Author Archives: Cvedrene

“You will never be able to afford a home in San Diego.” If I had a dollar for as many times as I heard those words or thought those words or my wife told me those words or my friends told me those words, I would be retired. Well if you’ve heard those words before I can tell you this. It’s one of the most insidious lies to ever affect San Diego County. The truth is, the  San Diego first time home buyer program can absolutely help renters afford a home here. If you love San Diego and you plan on staying a while, there is no reason why you should have to keep renting. San Diego first time home buyers CAN afford a house here! Fact: My wife and I bought a beautiful home that has appreciated 40% for 3% down and received 25% in down payment assistance at less than 3% interest which we don’t start paying on until the year 2039 through the San Diego first time home buyer program. The myth that San Diego first time home buyers cannot buy a home through this excellent professional program is a bold face ugly untruth that thousands swallow for no logical reason. This Blog is the story of how we did it. Follow the steps we used and very soon you will be in your own San Diego home through the San Diego first time home buyers down payment assistance program. San Diego first time home buyers are well taken care of by a very professional organization that makes home ownership dreams come true for thousands. We were able to realize our dream house through the program. If I can help you in any way at any stage of your journey please call or text me at (619) 886-1826...
Read more »

Here’s our story. I had quit my job to start my own business and it was growing so we started house searching. We found a nice house that a guy paid an obscene amount for in a nice neighborhood.  We bought it for $.40 on the dollar from a bank using the San Diego first time home buyers down payment assistance program.   That’s right, we bought a San Diego home on a canyon with no neighbors in the back, 10 minutes from downtown, in a quiet neighborhood with almost no crime or noise for 60% off the previous rate. This program did more for us than we ever thought was possible. To get into this house I put 3% down. I used cash to buy my house for less than what many people in San Diego put down on a car. At the time of this writing I’m sitting on 40% of equity. That means in cash my house is worth 40% more than what I paid for it. I could sell my house today, move to another state and buy two houses free and clear to retire. San Diego first time home buyer downpayment assistance program Just do exactly like we did and you will soon be in your new San Diego home. The San Diego first time home buyer downpayment assistance program really works.  I’m happy to share with you what we did step by step. Reach me at (619) 886-1826 or fill out the contact form below. We love San Diego. Staying right here. The point I want to illustrate to you is that the dividends, the reward, the light at the end of the tunnel, that are paid to you because of following the steps that my wife and I followed is well worth the effort,...
Read more »

There is actually a logical reason for this. Experienced San Diego mortgage brokers and Realtors are  business savvy people. I will call it exactly as as I see it here guys, and from experience I can tell you laziness and greed are exactly the reason most San Diego mortgage brokers and Realtors, as well as real estate investors did not want to work with me when I was a first time home buyer, and why they don’t want to work with you. San Diego mortgage brokers and Realtors do not want you to know about or use the San Diego first time home buyers down payment assistance program They all have one thing in common; most view it as contemptible to work with a San Diego first time home buyer.  I went through 100 mortgage people, I am not kidding. I went through 50 or so Realtors. And looking back it makes perfect sense why they will not work with you, and why they didn’t want to work with me. It makes sense why they give you misinformation or steer you the wrong way. It doesn’t make them money or it’s too much work for them. Folks like us represent a slower and more complicated process ending with a smaller commission. How shortsighted! It’s like you or I don’t have referrals to give them to triple their efforts with us. It’s like we will keep silent after someone helped us with the single largest economic decision of our lives. It drives me crazy, hence the reason I have started this Blog. I’ve already referred 2 first time San Diego home buyers to the 1 mortgage broker out of 100 who would work with me. They tripled their commission on me alone and if you call me I’ll gladly connect you....
Read more »

When you are applying for San Diego first time homebuyer down payment assistance with the San Diego Housing Commission; your experience will probably be similar to ours. It is time consuming, complicated,  and filled with questions designed to protect inexperienced people like you and me from mortgage broker, Realtor, and investor greed and lies.   When they realize they can’t take advantage of you due to this built in protection, they avoid you like the plague. Only a few will ever come near you after they know you are working with an outstanding organization like the San Diego Housing Commission. This is the reason most San Diego Realtors and Mortgage brokers don’t want you to buy a house in San Diego through the first time home buyer program. The San Diego First time homebuyer down payment assistance program has built in protection mechanisms to give you the experience you need against bad real estate people.   Built into the application process are checks and balances to make sure that you don’t overspend or bite off more than you can chew in mortgage payments. Mortgage people hate this. There are built-in protection mechanisms to prevent purchasing a home with a dangerous and costly infrastructure. Investors hate this. Because of the extra paperwork that is involved, and the how careful the San Diego housing commission is in inspecting your future home, there may be a small delay which realtors hate since they want to do a quick deal. When you are applying for San Diego first time homebuyer down payment assistance, you are entering into a system that has been refined through thousands of transactions.    This puts you on equal terms with the most savvy real estate professionals. Over the years I have found a handful of San Diego mortgage brokers and Realtors that are...
Read more »

Looking back I shudder how close I came to listening to slimy rhetoric from San Diego mortgage brokers and realtors. 0% of it was true. Nothing, nada, zilch! The truth is there are not only plenty of money to help with your first home buyer purchase but there are incredible perks that the San Diego housing commission does not want you to find out about. They will never tell you, it’s buried deep on an obscure page on their website. You probably want to call me for this. For this as well as a list of informed honest realtors  and mortgage brokers call me at (619) 886-1826 or fill out the contact form below. Here is the link to the website that gave us a 25% down payment with a deferred payment for 30 years.   They also gave us 20% of that 25% down payment assistance, as a gift.   What? Yes. No we don’t have to give it back when we sell. It is a “forgiven” loan. That’s right, a LARGE gift to us. It’s like having the rich parents that we never had. Incredible perks that the San Diego housing commission did not want us to find out about.   One thing the San Diego housing commission will not tell you about the first time homebuyer downpayment assistance program, is that there are other specialty programs that can be used in conjunction with it to raise the amount of your loan without raising any cost to your personal down payment cash outlay. We could not believe the incredible incredible perks that the San Diego housing commission does not want us to find out about. There are special programs for led painting abatement which add up to $5000. With our land not being graded for proper water drainage ,...
Read more »

Why would I say that less than 10% of the Realtors in San Diego have the qualities needed to work with San Diego first time home buyers? We literally talked to 50 different realtors in San Diego before we finally found one that had the patience, work ethic, knowledge and the ability to work with us as first time home buyers. Most had never worked with anyone in the program. Others would discourage us from using the program with negativity of why it’s not a good idea. It was pretty disorienting after repeatedly running into people who seemed convinced our dreams would never become reality. I am so thankful now of my dad training me about life saying “Son if you can think it, you can do it; it’s just a matter of when and how smart/hard you work.”   The absolute best realtors in San Diego for you to use are ones that used the first time homebuyer program themselves. Less than 10% of the Realtors in San Diego have the patience, work ethic, and knowledge to work with first time home buyers in San Diego. Realtors in San Diego that have been through the process themselves know how difficult the process is, all the pains and challenges you will have to go through. They also have relationships inside the San Diego housing commission that will prove invaluable going forward when the inevitable snags happen.  When the going gets rough, just having a positive minded, strong professional in your corner may be  just what you need to keep your dream alive and help with the perseverance you need to move into your own San Diego home. I am happy to tell you that can put you in touch with one that helped us tremendously with our purchase. And as you can...
Read more »

First off. The good news.  We had a happy ending fighting through the naysayers and negative circumstances. Right now my wife and I own a home we bought through the San Diego First time home buyers down payment assistance program for 3% down and received 25% down payment assistance with 3% interest and no payments due until 30 years later, on a home worth 40% more than what we paid for it. It sounds too good to be true but it DID happen to us. How we had a happy ending fighting through the naysayers and negativity promoters I talked to maybe 50 different realtors and over 100 mortgage brokers and this is the answer I received 99% of the time. “Oh! that program doesn’t exist anymore, or they’re out of money, or those programs really don’t work, it’s very very very difficult to qualify and you don’t want to be bothered with the process because they don’t give you the money after all your efforts.” Or “you don’t want to buy using them, sellers won’t want to work with you.” Then there were the sincere but very ignorant realtors who say this “I frankly don’t know anything about the program. I’ve been doing this a long time and I’ve never had one person actually use it and get a home so I really don’t see the sense of doing it.” Don’t believe the hype from these salacious misfits. Beware of the dark side of San Diego realtors, mortgage brokers, and investors who will go to any length to prevent you from using the San Diego first time homebuyer downpayment assistance program through the San Diego housing commission. You absolutely must work with a Realtor and mortgage broker that cares about you as a person and your home purchase the...
Read more »