Category Archives: Step By Step

I truly believe if you plan on staying in San Diego for more than a few years the homebuyer downpayment assistance program is a Godsend for renters. Ask any renter in San Diego and most will tell you they will never be able to afford a home here. Most of them have all but counted out the San Diego homebuyer downpayment assistance program. If any of you reading this have swallowed that filthy propaganda I am so glad that you are reading my this Blog. I’m going to take a gun to the idea that you can never own a home in San Diego and I’m going to blow it up in 1 million pieces. That’s exactly where that negative cancerous thinking belongs, blown to bits.  The Homebuyer Downpayment Assistance Program is for people who hate renting.   Say it: I am good enough to own a home in San Diego! You are too smart to swallow hurtful agendas. You have worked too hard to waste your hard earned money continuing to rent. You  have developed an acumen and personal character and that shows very clearly that you deserve to have a beautiful piece of real estate here in San Diego. How we did it. How you will do it. You will do it smartly, with the right education, right encouragement, and the right partners. For some of you in the next 2 to 3 months you will be in your home and for others of you it will take a year at most.  We applied and were accepted in the homebuyer downpayment assistance program in a little over a week. We got ready financially 10 months before. The San Diego Housing Commission  loaned us 25% of the purchase price at 3% deferred payment for 30 years. 20% of that...
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Say it: Renting is a ripoff and it makes me angry. San Diego First time homebuyer down payment assistance programs are a Godsend for renters.  The thought of throwing my money away every day to make my landlord richer just kept me up at night, it made me cringe.  Every time I thought of it, changed my entire mood. If this is you, then you might have what it takes to persevere through the rigors of being a first-time homebuyer here in San Diego. If you pay about $1200 a month in rent for 5 years; that’s $72,000 down the drain. Stop and think guys. What if you put that towards your home? Of course it depends on your long term goals, but if you like San Diego and plan on being here a while renting makes almost no sense. With owning a home you have no spiraling rent costs because the price of a mortgage is fixed for the next 30 years. The San Diego first time homebuyer down payment assistance programs put someone else’s money in your pocket with no payments for 30 years. When you do pay its at 3%. If you buy in an appreciating market like right now, and invest the saved money from a downpayment that didn’t come out of your pocket, you make money on the equity and your portfolio. You jump way ahead in personal net worth. Renting long term is a complete ripoff  comparitively. I’m happy to help you get started. You have to be very determined and disciplined. San Diego First time homebuyer down payment assistance programs are no joke. San Diego First time homebuyer down payment assistance programs are no joke. Trust me, you have to have some very very strong desire to get through this process that is long and...
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There only one way to move into to your home using the San Diego first time home buyer program. If it seems to you that I have a personal view of this San Diego first time homebuyer down payment assistance process. Absolutely. You’re absolutely correct. And I don’t apologize for that. I’m going to be frank and honest. Don’t get mad.  The fact remains that I’m in a beautiful house that I paid .45 on the dollar for and if you’re reading this you’re probably not. I’m very happy that you want to better your life and I am very happy to help you do that. I’m not going to be politically correct or say the right things or tell you what you want to hear. What you will have to deal with to move into your home. I’m going to tell you exactly how a lot of the process is unfair, unnecessary, is a waste of precious time but needs to be done; on time and correctly.  People will require you to sign things and meet them to sign things on a schedule that is disrespectful and borderline abusive. I felt the same feelings as when I was bullied in the 3rd grade and trained myself to whup some tail in revenge, but in this case there is not a thing in the world you can do. If you want to move into your home, you have to play by their rules. That will mean your perseverance needs to be in overdrive. You will have to maintain beast mode during this entire long drawn out process or let one of the inevitable obstacles chase your dream away. If you want to move into your home then you will weather every last minute appointment. You will persevere through being told...
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Getting through the overwhelming process of applying for the San Diego first time homebuyer down payment assistance program was tough on us emotionally and mentally. I wish in hindsight someone would have helped us prepare for that challenge. Get your mind ready to get what you want. Retirement, investment for future, a place called your own, a permanent ceiling on spiraling rent costs, whatever it is you want, you have to submit to the powers that be to get it. Yes it’s all legal and ethical but very unreasonable and borderline abusive. My wife would never agree with me on this point. If you ask my wife how the process went she would say it wasn’t all that bad and that it was totally worth it. Was she overwhelmed at times? Yes. Yet, she adamantly believes getting through the overwhelming process of applying for the San Diego first time homebuyer down payment assistance program wasn’t all that bad.  Okay, call her if you want the warm and fuzzy story. I’ll put her on the phone.  I agree with everything she says except one thing, the process was bad. But agreed, it was worth it in the end. We put down 3% to buy, borrowed 25% on a deferred payment, and found a secret way to get another 15% to fix up the place, and now we’re sitting on 48% cash equity. Investing 3% to make 40% profit with borrowed money while living in the investment property? It’s insanely worth it. Happy to talk to you about how we did it. Call me at (619) 886-1826 or fill out the email form below. Getting through the overwhelming process of applying for the San Diego first time homebuyer down payment assistance program wasn’t all that bad. – My...
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Soon after starting our home acquisition project it became clear that the battles against negativity would be intense. Low credit scores, rising property costs, limited property selection, disinterested and apathetic real estate professionals, as well as being self-employed, presented some huge obstacles. The only way I got through this process of becoming a first time home buyer in San Diego personally is keeping the end game in mind. Know your end game guys. Know your end game like a mantra. I’m tired of throwing my rent money away to make someone else rich. I am putting the money in my own pocket from now on. I’m going to invest in my own future, the future of my children, future whatever. I can absolutely achieve my goal of becoming a first time home buyer in San Diego despite the vicious San Diego real estate market. First time home buyers have to know their end game, make it your mantra, and tell it to yourself every day. “I will purchase a beautiful affordable home in San Diego using the First Time home buyer downpayment assistance program.”  One of the keys to positive thinking is to say something to yourself so many times that is re-wires the synapses in the brain to a different way of thinking. With so many strikes against you as a renter; especially the mentality that home ownership is unacheivable; you have to re-train your brain to break free of these chains. Here is a great example of a site I use to train my positive thinking. Believe me guys, to get what you want, you need every motivation you can summon up to get through this process.  All of this mental work will pay off as you see the equity rise in your home that you enjoy each...
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Here’s the way we made a very difficult process fun.  Buying a home in the San Diego real estate market is a lot like being in the playoffs in professional sports. It’s a very difficult process, even for the best athletes in the world. There are lot of people against you and you have got to be determined to practice, be educated, know exactly what you doing; executing your play on every play to perfection to the best your ability to win this game. The championship is to move into your awesome San Diego home that you bought yourself. Every minute you spend reading, learning, talking, to experienced people with your best interest at heart is like training for the big game. This is how a very difficult process became easy for us. A famous winning coach once said, “victory comes by doing many little things a little bit better each day”.  That link is to a coach who is dead right. I don’t particularly care for his delivery but his content is 100% spot on. Have fun making little improvements every day toward getting through the San Diego first time home buyer program and buying you very own home. This sports method of getting through the first time home buyer process made a very difficult process fun. We did it. Thousands have. The last guy paid an obscene amount for the house we live in. With the help of the San Diego Housing Commission  we paid 3% of an amount 60% less than he paid. The San Diego Housing Commission gave us 25% first time home buyers down payment assistance at 3% interest and helped us fix up our new home into a beautiful canyon view haven of relaxation. We can see the ocean from our yard. I’m happy...
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You must know your top 10 enemies of becoming first time home buyers if you going to defeat them.  You must acknowledge that you have many strikes against you. Let me repeat, you have to be extremely motivated to do this. This list is short, but the top 10 enemies of becoming first time home buyers will give you plenty enough to keep you busy fighting. Here are your top 10 enemies of becoming a first time home buyer as well as a plan to defeat them. Enemy 1: Saying I can’t. How to overcome this enemy: Say you can 100 times a day and have at least 1 thing you did that day to prove you are moving forward with acquiring your home.   Enemy 2: Bad credit. How to overcome this enemy:  I found a needle in a haystack awesome credit building specialist. Call me. (619) 886-1826 or email me below to connect you. (By the way once my mind was made up my credit score skyrocketed 160 points in 8 months.)   Enemy 3: Having a bad mortgage broker or loan officer. How to overcome this enemy: I found a needle in a haystack scientist of a loan specialist that helped us when EVERYONE said no. Call me.   Enemy 4: Having a bad realtor How to overcome this enemy: I found another needle in a haystack drop dead awesome realtor who worked with us. Call me.   Enemy 5: Being untruthful on your taxes How to overcome this enemy: Get yourself honest. Revise your last 3 years of taxes with real numbers. I have an ace tax guy that can help you. Call me.   Enemy 6: Not saving money How to overcome this enemy: Screw eating out and coffee for a while. Here are some...
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Guys you have to be honest on your taxes. Here’s what happened to me. I am self-employed, had recently started my business and it was growing. The San Diego housing commission told me that it is very difficult for self-employed people to qualify for the first time homebuyer downpayment assistance program. It was just a 3 year old business. To make matters worse, my wife is also self-employed. We used an awesome loan person who said that in five years she’s only had one person qualify as a self-employed borrower in the San Diego first time homebuyer downpayment assistance program. And then she said, “you know…you just might be the second one” Why? Because I have always been honest on my taxes just like I strive to be honest in everything. No other way guys, you have to be honest on your taxes. You have to be honest on your taxes. The San Diego housing commission looks at your tax records going back a number of years so have everything in order.   If everything is not in order and truthful go back and have those taxes corrected. Your income must show that you have less than 81% of San Diego AMI or average median income but enough to show your debt to income ratio is low. Need help understanding this? Please call me or send an email below. I have the most quirky tax guy on the planet, but he is absolutely brilliant and is one of the big reasons we are enjoying our beautiful home right now. Call me now so I can put you in touch with him. (619) 886.1826 or shoot me an email on a couple of good times to contact you. Please remember, be honest on your...
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Get your credit score high as you can starting today. The San Diego housing Commission was scared to loan to us at first.  When we first found the San Diego Housing Commission (and it took us awhile with all the misinformation we received) it became very clear that they viewed us as a risk and they didn’t feel we could pay them back.  They didn’t feel we were qualified to do it because our credit scores, specifically mine was not high enough. I was incensed I had been so naive to how important good credit is. I had a credit score of 620 because of false items on my credit report. I was beside my self in anger and disbelief. Get your credit score high as you can. In 8 months my credit score went up from 620 to 760 on experian. Transunion and equifax were ignored by the San Diego housing commission, even though I was over 800 on both of them. To get that score I had to pay down or off all my credit cards (not close them) and buy a car on credit to demonstrate I had a recurring loan I could pay for.  Usually I bought cars for cash, but that hurt me when trying to get a high credit score. So we bought a used car and paid it off at the 8 months point. These are just a few things you can do to get your credit score high as you can. The advice and personal assistance we receive from a wonderful local credit building specialist has been spot on 100% of the time. In fact, using his methods our credit has responded better and faster than even he thought it would. Please give me a call as I’d love to put you in touch...
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Only a credit building specialist has the skills needed to get your credit score higher quickly. Trouble is credit building specialist are by and large dishonest crooks. Somehow I beat the odds and found the only credit building specialist I would trust. He opened my eyes to a world of credit bureaus which was both complex and disheartening. This is stuff we should have learned in the 3rd grade, but somehow we can be 60 years old and totally ignorant. This entire process of building financial credit is fascinating and I learned the credit bureau’s are the most vicious sharks you will ever come across.    I finally met someone that has learned how to use the credit bureau’s methods against them to speed up raising your credit score.     You must have a great credit building specialist on your team. His name is Linton and he is amazingly bright, honest, and helpful credit building specialist. In fact when I help someone go through the San Diego first time homebuyers program and assist them with the purchasing their home, it is a requirement for them to sit down one hour in Linton’s “know how credit works class”. I know a lot of you have been burned by credit people before, I hear you. But this guy got into the business just because of them. He is bent on helping the less fortunate stop being victimized by the rich amongst us. He has a class that is mandatory to attend and emails you monthly updates on the progress of your credit portfolio. There is no one like him I have ever met. You can beat experian, equifax, and transunion and own your home. The feedback has been through the charts on how educational his class is and how it has...
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