Mortgage News with Troy Huerta

Follow me
Real Estate Technology - SRE Technologies - NMLS: 1131869
I am a federally licensed Mortgage Loan Originator with First Choice Bank and can help you with your mortgage needs in all 50 states. First Choice bank is a boutique lender with branches throughout the United States. We funded $3 billion in mortgage loans in 2013 and offer a strong portfolio of mortgage loan products including VA, FHA, conventional, 203(k), and renovation loans. Whether you are buying a home, refinancing your current home, remodeling/refinancing or adding to your real estate investment portfolio, we can help. Our company received an award for Tech Savvy Lender of the Year for 2013 because of our internal systems and our compliance division makes sure that we are up to date with market changes and industry innovation.
Buying a home in winter - buying a home after the holidaysHave you heard the best time to buy is right after the holidays?  I've often thought this to be true, but this year more than ever!  Prices have stabilized at interest rates have continued to drop! A buyers recent offer was accepted signif...
Did you know that it IS possible to get a loan over the County VA loan limit? The basic formula is calculated by figuring the difference between the County limit and the purchase price.  The required down payment is 25% of the above-limit amount.   For example, as of May 2014, the San Diego Count...
Pre-qualified vs a underwritten pre-approval - I've been pre-approved    I hear this all the time..."I've been pre-approved!"  My response: "Great, please tell me about your pre-approval!" This is when I usually receive the blank look. I ask, "have you provided bank statements, pay stubs and tax ...
Be ready to buy a home - What do I need to buy a home?   As the economic world slowly emerges from the banking crisis, as a buyer what's important to focus on?  Potential buyers include may have short sold or lost their homes to foreclosure who are now eligible to become homeowners again.  What a...
Do you want to call Carlsbad home?  If you are searching for a luxury home in Rancho Carrillo, look no further!    The Rancho Carrillo area of southeast Carlsbad is home to 18 unique neighborhoods and over 1500 homes.  The community features a swin center, clubhouse, trails and award-winning scho...
If you are looking to own a home in the Rancho Carrillo area of Carlsbad under $750,000, look no further!    The Rancho Carrillo area of southeast Carlsbad is home to 18 unique neighborhoods and over 1500 homes.  The community features a swin center, clubhouse, trails and award-winning schools (i...
If you are looking for homes in Rancho Carrillo, you've come to the right place!   This home is one of the last 2,000+ square foot homes in Carlsbad under $600,000!  Don't miss your opportunity to buy this gorgeous house! Just listed:  This Rancho Carrillo beauty features 4 spacious (oversized) b...
New Federal Reserve Chair Janet Yellen - Yellen takes over the Fed     You're thinking of buying a home in 2014 and there are economic changes coming. How will this affect you? Ben Bernanke has finished his 8 year run as the Chair of the Federal Reserve. Janet Yellen is taking over as chair and h...
VA home Loans Carlsbad - Carlsbad VA home loans We recently hosted a VA training class and our purpose was to help real estate agents understand the VA loan process. In the last few years we've seen sellers and listing agents shy away from VA buyers. The agents often told me the process takes too...
VA LOANS:  FIRST TIME HOME BUYERS A VA loan is one of the best loan options in today’s market.  The loans are guaranteed by the Veterans Administration, and solidly backed by the federal government.  Once you have earned your VA benefit (current service, past service, surviving spouse), the benef...

Troy Huerta

Changing the way Home Buyers BUY!
How much home can you afford?