Good credit scores give you access to more than just today's lowest mortgage rates -- they give you access to today's best loan programs, too. There are countless credit reporting companies. Your home loan lender will be using the Big 3 -- Equifax, Experian and TransUnion. Related: Do you know how many credit scores you have? Each of the bureaus sells more than one "credit score" product and, for consumers on their respective websites, it can be a challenge to know exactly which "score" to review. For home buyers, your home loan lender will be using the following scores: For Equifax, - Equifax Beacon 5.0 For Experian, - Experian/Fair Isaac Risk Model v2 For TransUnion, - FICO Risk Score 04 Which score will my lender use? Because of the difference in their scoring model, you will likely ... 02/24/2014

Down payments are required on most loans when buying a home, and documenting the source of those funds is critical to the approval of your home loan. Private mortgage insurance is required on conventional loans with less than 20 percent down. Private mortgage insurance companies would, traditionally, require the 5 percent down payment to be the home buyer’s own funds, and not a gift. Related: Forget diamonds, a down payment is a girl’s best friend Recently, the private mortgage insurance companies changed their requirements on purchases of one unit primary residences and now the allow a gift for the entire down payment with no requirement for 5 percent of the borrower’s own funds. If the homebuyer did not have the cash for the down payment, he or she could get a gift from a relative and... 02/21/2014

 Moving and Relocation Tips             If you are moving to Temecula from another area of the country, the decision between renting a moving van to complete the relocation yourself or choosing instead a reputable and professional moving company may seem like a tough decision.  If you are unfamiliar with the Temecula area, it may be in your best interest to spend a minimal amount of additional financial resources and select a reliable and cost effective Temecula Moving Company.  If you are still looking for a house and want to see all the latest Temecula Properties for Sale, click the highlighted word to view them on CG Premier Realty Group, Keller Williams.  It’s free and easy. Temecula:  City of Diversity Temecula is well known for its cultural diversity deep in the heart of the Calif... 02/20/2014

How will a Short Sale Affect my Credit & Taxes? by Sidney Kutchuk How will a Short Sale Affect my Credit & Taxes? These are the two most often asked questions from my Temecula Short Sale Specialists clients. Enjoy my video answers below... For more answers to your short sale questions... call me direct at 951-217-6745or go to www.Temecula-ShortSaleAgents.com  Sidney Kutchuk | February 19, 2014 at 9:26 pm | URL: http://wp.me/p24A2i-gP 02/19/2014

Staging your Temecula home for sale can be a daunting task! Where do you start? What do you pack away, what do you keep and what do they mean by Staging?!  Perhaps these are a few of your questions, well keep reading and watching and hopefully we will answer them for you! Usually people start hearing about "staging your home" when they are thinking about selling. The first step when you start thinking about selling is to know what the current market value is on your home. So if you want to know "Whats my Home Worth?"  simply click on the highlighted words. I think the next step is start searching for a home so you know you can find what you are looking for incase you get a buyer on your home right away. Start by clicking and looking at All Homes for Sale Temecula, this is the most up t... 02/19/2014

The Finest Women in Real Estate and their Business Resources group is celebrating a Movie Night Client Appreciation this Friday 2/21/14 at Temeku Cinema.  Find out more about this group and register at www.finestwomeninrealestate.com. Contact one of the agents or any of the business resources and learn how you can get your name included in their list for future events. 02/18/2014

Find Military VA approved homes for sale in Temecula near Camp Pendleton starting around 250k. Below is the full list of VA approved home in Temecula. Just click below to see all of homes currently for sale. Right now is an excellent time to take advantage of your low interest VA home loan. Most can be done with 0 money down!   The current number of active listings for Military VA approved homes for sale in Temecula near Camp Pendleton has dropped over the last month due to high demand. The number of active listings in Temecula (92592) dropped by 6.1%from the previous month. The median number of days active properties have been listed is 62. This is significantly shorter than the national average.   The number of sales in January dropped by 86.9% from the previous month.This chart shows... 02/18/2014

How to Replace Orthodontic Retainers for Less in Temecula CA 2014 The short answer is, go to Crossings Dental in Perris (951-345-4386), and save yourself almost half the cost of two retainers!  For us, that is $300!   Here's the full story: our daughter's retainers got wrapped in a napkin and tossed in the trash at our home in Murrieta before Waste Management came that day.  Unfortunately, we didn't realize the orthodontic retainers had gone into a trash bag until after all our trash was taken by WM! My first call was to our daughter's orthodonist, where I was told that they would cost $325 per retainer; so $650 for the two.  When they did the original mold, I remember being told that having that original mold would save me some money; now that the need arose, the office staff had no re... 02/18/2014

This year’s IVBCF Spring Fashion Show event is the biggest and best yet! The IVBCF (Inland Valley Business and Community Foundation) presents our Annual Community Spring Fashion Show on Saturday April 26 in the ballroom at Pechanga Resort and Casino in Temecula.   IVBCF is a non-profit organization that brings business and community together.  This elegant and highly attended event highlights local companies in the Fashion Industry as well as many of our local Business Professionals and Community Talent.  IVBCF promotes the power of collaboration between local businesses and the community, which builds the businesses and strengthens the local economy, which it turns results in the positive growth of our community.  The IVBCF Spring Fashion Show also promotes our very own local talents w... 02/16/2014

Market Report Homes for Sale in Redhawk, Temecula as of 2-2014 You can search homes for sale in Redhawk by clicking on the pictures and icons in this blog post, or this link. Home prices for Redhawk homes for sale in Temecula have solidified at the levels they reached last summer.  Homes that stay on the market, though, are pushing the pricing a little too much, so that other, lower-priced homes sell more quickly. Most of the sales are standard sales, though; the short sales are far fewer than in the past few years.  And that bottom one is a probate. I'll include a few pictures of Redhawk homes, because I really like this neighborhood as an investment: lovely homes on quiet tree-lined streets with a Southwest flair, close to great schools like Great Oak High School, shopping and restaur... 02/15/2014

Market Report for Homes for Sale in Harveston, Temecula 2-2014 And here are the sold comps for Harveston in Temecula, for January 2014; notice that the homes priced in the $200,000s are condos. Harveston is a lovely community with a lake at its center and a top elementary school adjacent, the Ysabel Barnett Elementary.     02/15/2014

The time is NOW to begin investing in Temecula Rental Real Estate!      The housing market has never been stronger since the housing crash of 2008.  While California real estate was one of the first areas in the country to take a big hit, we are also one of the very first areas to recover. For the first time landlord, acquiring new rental properties can sometimes be a tricky business.  You can start by researching all Temecula Properties for Sale in your price range.   Lots of Choices! Let us help you find the perfect property that can bring in the highest possible positive monthly cash flow.  Yes, there are a great many online software programs and “how to” guides that promise to make the purchasing process easy and risk-free, but only a reputable and experienced real estate company ha... 02/12/2014

It's Valentines Day, before you hire a skywriter or horse-drawn carriage, or wow your sweetie with diamond jewelry, be sure that you know what your beloved really wants. Because, it turns out, sparkly signs of affection may be lower down the list than you thought. A recent survey by ERA Real Estate of 1,000 people in committed relationships showed that nearly 50 percent of women would be willing to forgo a diamond ring in order to save the cash for a down payment on a house. In fact, 18 percent of those who responded said they already had skipped the ring in favor of the house. And 89 percent of those surveyed said that their love bond was strengthened by buying a home together. How Much Cash Are We Talking About? So, exactly how much house could a diamond buy? Let's use the most common... 02/11/2014

Temecula Short Sales to be easier to get approved in 2014 Ask a Temecula Short Sale Agent With the home market recovering in most market areas,less homeowners are going to need to use the available option of doing a short sale. So, are Temecula short sales going to be easier or harder to get approved now in 2014?Major lenders who have ramped up their loss mitigation departments now have more time and staff to review each short sale submitted to them. I feel it's not going to be as easy to get a short sale approval in 2014 and if your agent submits a weak short sale package for you. You need a Temecula short sale Specialist to get that approval.   How are you going to get your short sale approved in 2014. The banks are not giving the large discounts any longer. They are demanding sales ... 02/08/2014

When buying a home, many consumers make the mistake of confusing pre-approval with loan approval. Until you've been handed the keys to your new home your credit and financial profile will be scrutinized by your lender. Here are the 5 worst things you can do when buying a home 1. Go Credit-Crazy It’s almost become cliché in the mortgage industry, but the warning still bears repeating: Don’t buy a truckload of furniture until after your loan closes. The prohibition goes beyond sofas and settees — avoid obtaining credit for any major expense, such as a car, a boat or, yes, a new bedroom set. Be careful with even minor expenses. If you absolutely need to obtain new credit or accrue debt before closing, talk with your loan officer as soon as possible. Related: 2014 mortgage changes every hom... 02/06/2014

Market Report: Homes for Sale in Harveston, Temecula - February 2014 Note in the price infographic above, the first listing was a condo, and the others were detached single family homes, if you're wondering why the price disparity. Here are pics of some of the Harveston homes, because it is a lovely community and enjoyable to look at the lake views, as well as the access to Ysabel Barnett Elementary. Please call with questions about the market for Harveston homes for sale, or surrounding areas: Lisa (951)704-4559, or Broker-Owner of Sand to Sea Properties, Frank Delzompo at (951)326-7330. . 02/03/2014

As most of you know, I work in the mortgage industry. And with all the publicity given the recent data breach at Target and many other retailers, I've been asked a buncha (it's a word) times lately what to do about it, and should they do a credit freeze. Please understand that I know exactly how fearful identity theft can make us. Been there, suffered that. Read my next post, comment, pm me if you have personal questions, and take the precautions I outline. I hate to be the bearer of bad news regarding Credit Freezing (the latest spin to try and protect you from identity theft),..but freezing your credit affects far more than you'll ever know. Each of your creditors monitor your credit report searching for cracks that might put their credit given you at risk. When you freeze it, many cr... 01/28/2014

  Looking for a home in Temecula? Interested in finding homes for sale in Temecula, CA?  Click that link to find all the currently available homes in the area of Temecula. Why Do People Live here? Temecula is a fast growing vibrant city that is centrally located on the 1-15. Less than 60 miles outside of Downtown San Diego, and 90 miles Southeast of LA. It is home to over 25 wineries, Old Town Temecula, top rated Golf courses, a community theatre and numerous festivals.   Many people and business have relocated to Temecula because of the affordable housing costs and a large selection of newer built homes to choose from.  That is part of the reason there are so many searches for Homes for Sale in Temecula. Temecula manages to offer both serenity from the hustle and bustle of the major c... 01/24/2014

Biggest Home Seller Mistakes as of 1-2014 - Redhawk in Temecula CA A poll of 1000 of our Activerain blogging community says, the biggest home seller mistakes are those in this graphic:  77% - Overpricing the home 34% - Showing availability 32% - Cluttered space 28% - Odors 21% - Being unwilling to negotiate 20% - Refusing to make repairs For the Redhawk and surrounding Temecula areas we cover, this list is spot on!   Please note that the second and third items are areas that are most completely within the homeowner's control while being big "bang for the buck" changes: Showing availability -- real estate agents and their clients have to coordinate between their own schedules, which can make it difficult to set time to see homes for sale.  To get top dollar for the home, a homeowner need... 01/24/2014

    Find all for sale Homes near Red Hawk Elementary School, Temecula.  Our for sale property information is a direct feed from Temecula MLS and is updated several times daily.   Red Hawk Elementary School is located at 32045 Camino San Jose, Temecula CA.  The middle school is in the 92592 ZIP code in Temecula, and is part of the Temecula Valley Unified School District. Homes Near Red Hawk Elementary School in Temecula have easy access to schools, parks, shopping, and dining.  The elementary school is flanked by the Red Hawk subdivision, Sunset Park, the Gardner Middle School and the Pechanga Indian Reservation is close by. To find out what your Home Near Red Hawk Elementary School in Temecula, CA is worth, fill out this simple form for free.   Awesome Schools Red Hawk Elementary School... 01/23/2014