Call us today to obtain a HOME WORTH EVALUATION
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Preparing Your Credit Score for Homeownership

How to Prepare Your Credit Score for Homeownership

Your Guide to Preparing Your Credit Score for Homeownership

By Marcus McCue, Executive Vice President & Chief Business Development Officer, Guardian Mortgage Company, Inc.

Sure, saving for a down payment is important, but too many home buyers get caught up in the “save, save, save” mindset, only to find themselves with a bad deal and a huge mortgage payment down the road.

Why? Because they neglected their credit along the way.

You see, your credit plays a huge role in the type of mortgage loan (and the mortgage rate) you can get when buying a home. While putting away a thousand a month could certainly help you put a chunk of change down up front, you might actually be better served by putting those funds toward your credit card debt, student loans, car payments or other outstanding lines of credit you have open.

The truth is, the best use of one’s money varies from person to person. The important thing is you take a long hard look at your credit score – and credit history – long before you consider buying a home. You need to:

  • Run your credit report. Get your free annual credit report from Experian or Equifax, and pay the small extra fee to get access to your credit score. The minimum you’ll need to secure a mortgage loan is a score of 580, but keep in mind, the lower your score is on the spectrum, the higher mortgage rate you can expect – and that means more interest (and more money spent) in the long run.
  • Look at your credit history. You should also look at the credit history on your report. How long have you had lines of credit open? What has your payment history been like? Lenders look for borrowers who have proven their ability to make payments reliably over time. The more you’ve paid your bills on time, the better borrower you make.

  • Find room for improvement. If you only have one or two lines of credit, have had a spotty payment history or your credit score is low, you definitely have some room for improvement. Instead of getting yourself deeper into debt with a mortgage loan now, consider how you can make your current credit report look even better. If you have a low score, work on paying down your outstanding debts and making payments on time, every time. If you’re short on lines of credit, open up a new credit card and use it for daily purchases. Then, every week, pay it off in full from your debit account. It’s a great way to boost your score and give yourself better credit history at the same time.
  • Avoid making big purchases. The fastest way to make a bad credit situation look even worse is to make a big purchase right before you apply for a mortgage. This sends up an immediate red flag to your lender, signaling that you might be more than a little irresponsible with your money. Steer clear of any big purchases if you’re preparing to buy a home, and save big-ticket items for later, once you’re settled in at your new place.
  • Run your credit again. Once you’ve done some work, run your credit report again (keep in mind, you will have to pay if it’s within a one-year period). Check to see how your score has improved and what your credit history looks like after putting in the time. If you’ve seen a boost in either, you’re probably safe to apply for pre-qualification, which will give you an idea of what sort of mortgage loan and rate you could currently secure.

Preparing your credit for homeownership is crucial – especially if you want a great rate with a great lender. Want to know what your current credit would garner you? Contact a loan officer and apply for pre-qualification today. We’re here to help.

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Top 15 free things to do in San Diego North County

List of things-to-do in San Diego North County

Ultimate Guide of FREE Things-to-do in San Diego

They say that best things in life are FREE! Well, we can say that in San Diego, it truly is! Check out these free things that you will surely love to do and you can enjoy it with your friends and families.

 

33 beaches

Having 17 miles of coastline, you can toss around a frisbee, play volleyball, swim or just simply lay down on the sands. What to do on a beach? You surely know a lot.

 

Photo Credit: Inn at Pacific Beach

 

59-mile scenic drive

Take a spin in San Diego on this three-hour driving tour.

Photo Credit: San Diego.org

 

Boardwalk

Mount your bikes, skate with your rollerblades or just sit and do people – watching in the 3.5mi of the boardwalk along the beach.

Photo Credit: La Jolla Bluebook.com 

 

Botanic Garden

Known as “Quail Botanic Garden” or if you want to go by “The San Diego Botanic Gardens,” the first Tuesday of the month entitles you to a free admission.

Photo Credit: SDB Garden.org

 

Children’s Pool in La Jolla

Let the child in you hangs out with seals and tons of sea lions in the Cove. It also offers a perfect water condition for snorkeling.

Photo Credit: Veroniqque.com

Farmers markets

What’s not to love with a free sample from different markets happening every day of the week? And have we mention free entertainment as well? Appealing? yes, it definitely is.

Photo Credit: George Vutetakis.com

Fiesta Del Sol Summer Music Festival

Grab a date or a bottle of chilled beer and take a walk at Fletcher Cove Park in Solana Beach for two days of food, vendors, and music by the beach.

 Photo Credit: SD Street Fairs.com

 

Hiking

The weather is always good and so is the time to grab your boots and take a hike.

Photo Credit: San Diego Magazine.com

 

Museum of Contemporary Art

It’s an all about art Thursday as both the Downtown and La Jolla locations are free every third Thursday from 5-7pm, letting you take a glimpse of the world of arts and culture.

Photo Credit: La Jolla Bluebook.com

 

Rock Out Karaoke

Unleash that singer in you and rock with the band at Tin Roof, 710, and other venues around San Diego.

Photo Credit: 10 Best.com

 

Surf

You can always paddle out a borrowed board if you don’t have a board of your own.

Photo Credit: Movoto.com

 

TGIF Concerts in the Parks

Hum with the tunes as you cozy up in the warm nights at TGIF Concerts in the Parks of Carlsbad.

Photo Credit: HWP Insurance.com

 

Thursday Night Thing

The Museum of Contemporary Art hosts a night of exhibitions, performances, cocktails and artist talks that are free to members, thrice a year.

Photo Credit:  KBPS.org

 

Tidepooling

Discover the stunning tide pools full of little sea creatures on the numerous rocky spots along the shores of San Diego.

Photo Credit: Trover.com

 

Torrey Pines

It’s an exploration of 8mi trails with luxurious ocean views along the way.

Photo Credit: San Diego Magazine.com


Buying a home in San Diego North County?

If you would like to meet with me to start planning your goals to buying… From Single Family Homes, Condominiums to townhomes and more, I am positive we can find the right home for you. Visit our website to view real estate listings in the area. Call me at 619-417-4655 or email Shannon@ShannonBiszantz.com.

 

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List of events for March 2017 in San Diego North County

Ultimate Guide in San Diego March Events

List of Events in March

We are down to the last month of the first quarter, time definitely flies so fast. While the events of the past months have been more or less gratifying, March brings out a completely different approach as it gives you events that are more sports-centric and colorful than usual. 

Same thing goes with the list of events that you can hop from one over another:

San Diego Spring Home/Garden Show

When: March 3 – 5 

Time : Fri: 11am-6pm, Sat: 10am-6pm, Sun: 10am-5pm

Where: Del Mar Fairgrounds

Let your green thumb make friends with another as you get a hands-on demo, see real gardens, get a chance to have a face to face consultation with the experts and be informed with their educational seminars.

image source: Active Rain.com


Finish Chelsea’s Run

When: March 4 

Time: 7:30 am – 11 am

Where: Balboa Park (6th Ave & Palm St)

Beat your own numbers in running or walking, whilst participating in this event in Chelsea’s memory.

image source: Womens’ Running Competitor.com


San Diego Science & Engineering Fair

When: March 4

Time: 10 am – 3 pm

Where: Petco Park Expo

Amaze yourself with the works of today’s geniuses from grades 7 -12 of over 800 participating students presents their science projects.

image source: San Diego Union Tribune.com


Seaport Village Busker Festival

When: March 4

Time: 12 pm – 6 pm

Where: Seaport Village

Be entertained with the top street performers of the nation as you eat, shop or leisurely enjoy the entire day.

image source: San Diego Carpediem.cd


California Winter Games

When: March 4-5

Time: TBD

Where: San Diego Ice Arena – 11048 Ice Skate Place

Chill with the contenders of all divisions and ages in figure ice skating competition that will be held in San Diego Ice Arena.

image source: Imgrum.org


Taste of Third Avenue

When: March 9

Time: 4 pm – 8 pm

Where: Third Ave (between E & H), Chula Vista

Enjoy the Taste of Third Avenue as it serves as your passport to a culinary tour in the Village. Make sure to reserve a space for every food.

image source: Reader Tickets.com


SD Regional FIRST Robotics Competition

When: March 9 -11 

Time: 8 am

Where: Del Mar Arena

High School teams from all over the world will gather to showcase their robots operated and developed by them as well.

image source: SG News Yahoo.com


St. Patrick’s Day 10K Run & 2/4-Mile Run/Walks

When: March 11

Time: 7:45 am – 10 am

Where: South of Hilton Hotel

An event that will let you enjoy the beer, pizza, and prizes for costume contest available to everyone.

image source: Active.com


St. Patrick’s Day Parade & Festival

When: March 12 

Time: 10:30 am Parade / 9 am – 6 pm Festival

Where: Balboa Park (west side of the park – 6th & Juniper)

A festival of Irish culture filled with dancing, overwhelming food and beers with bag pipers, marching bands and costume dancers.

image source: St Pats Parade.org


San Diego Latino Film Festival

When: March 16 – 26 

Time: varies

Where: AMC Fashion Valley

Films that stars Martha Higareda, Gael Garcia Bernal, Jaime Camil and Rosario Dawson.

image source: Contest Watchers.com


Miller Lite Shamrock

When: March 17 

Time: 6 pm – midnight

Its Gaslamp’s best block party that offers 3 stages of live entertainment and 60,000 square feet of green Astroturf.

image source: Rage Monthly.com


Color in Motion 5K

When: March 18 

Time: 9 am

Where: Qualcomm Stadium

Soak yourself with different hues and combination and run in fashion.

image source: Rush 49.com


Puppy Love 5K

When: March 19 

Time: 7 am

Where: 14644 Lake Poway Rd, Poway

Run with favorite buddies and conquer the descending canyons and charging hills. It is about time to determine who is the best runner between you two.

image source: Your North County.com


Superseal Triathlon

When: March 19 

Time: 7 am

Where: Coronado Silver Strand

Set in the heart of triathlon’s historic birthplace, this racing challenge all levels of triathletes who wants to test their limit and develop for the better.

image source: SD Healthy Living.com


LPGA Kia Classic

When: March 21- 26 

Time: varies

Where: Park Hyatt Aviara Golf Club, Carlsbad

Kia’s Southern California-based LPGA tournament features the increased commitment of Kia Motors America (KMA) to women’s golf.

image source: San Diego Magazine.com


Fishing Tackle, Boat and Travel Show

When: March 23 – 26 

Time:Th-Fr: 12n-8pm, Sa: 10am-8pm, Su: 10am-6pm

Where: Del Mar Fairgrounds

A combination of everything big- Biggest Boat Show, Biggest Fishing Show and Biggest Outdoor Event of the Year. Featuring vehicles, Rv’s, campers and hundreds of boats. It is definitely a must see for all enthusiasts and recreational vehicle lovers everywhere.

image source: San Diego Coast Life.com


Race for Autism

When: March 25 

Time:6:45 am

Where: Corner of 6th Ave & Laurel

A fast and scenic course that will take place in the heart of beautiful Balboa Park, offering awareness and solidarity in understanding Autism.

image source: San Diego Union Tribune.com


Mermaid SD Run 5K, 10K & Half Marathon

When: March 25 

Time: 7 am – 12 pm

Where: Tecolote Shores

Take a pick from a Half Marathon, 5K Run or a 10K Run. This event that provides an inviting exercise is designed for women.

image source: Run Guides.com


San Diego Hot Chocolate 15/5K

When: March 26 

Time: 6:45 am & 7:15 am

Where: Petco Park

This event will be happening on the streets of downtown San Diego and aims to benefit Ronald McDonald House Charities.

image source: Fancix.com


Rolando Street Fair

When: March 26 

Time:9 am – 6 pm

Where: Rolando Blvd (between El Cajon Blvd & Solita Ave)

Get ready to participate, mingle and make friends in this fair that aims to promote community unity.

image source: Fairs and Festivals.net

Get the highest Dollar selling in Spring Season

Let your Home be Explored by your Buyers this Spring Season

Best Reasons on Why you should Sell your Homes this Spring Season

 

Spring is one of the best times in America’s Finest City. The temperatures offer a comfortable feeling during the season.  It is the perfect time to visit the popular tourist spots that San Diego offers. Most especially, it is also one of the best seasons to put that For Sale sign and let your home be explored by your buyers. We will give you reasons as to why you should sell your home in Spring while the others are thinking twice of taking the risks. 

image source: California Beaches

Here’s why:

Location

The location of your home and the neighborhood that it belongs to is one of the key factors that a buyer considers. Whether you are situated in an area that promotes a private cul-de-sac or a home that is accessible to almost everything that your buyer is looking for will be one of their deciding factors. It is given that we cannot move your home and put it in the best location that our buyers prefer but what we can do instead is to stress on our selling points which can include the following:

  • Atrocity or Crime rates
  • Local conveniences/amenities
  • Public transportation
  • School Availability
  • Taxes

image source: www.omnihotels.com

Why Sell in Spring:

Spring makes for an excellent time of the year to survey the sights. It is the perfect weather that you need to enhance the visibility of the location of your property. The distance from one property to another, the best shops to go from a distance, and most especially the sceneries that they can enjoy whilst sitting on your porch. All of these will be made available any time of the day without worrying about a rain or a downpour that can hinder the sight of everything.


Condition

“First Impression Lasts”. It goes the same with how your buyer will see your home the first time they step in the doorway of your home. How your curb appeals to them, the way your lighting shines through the whole place and even the simplest way that your curtain hangs on your window. It is for the best that your buyer can see the most of every part of your house in a way they envision to put their own furniture in there or the way they will use it for their own good. Upgrades and Painting should be done and everything should be well prepared and ready even before you put that For Sale Sign on your home. You would not want to miss any buyers just because of a tiny web in the doorframe. Few things that you can manage to do in your home:

  • Painting the door and window sills
  • Trimming the flowers and bushes in your garden / front walk
  • Washing the driveway
  • Cleaning the house inside out – Thoroughly.

Why Sell in Spring:

The weather is mild in Spring. Bulbs blossom and flowers bloom. A perfect curb would appeal more to buyers most especially if they will be able to see it in action. Adding flower arrangements can do a lot in increasing the interest of your buyers.

image source: Tenant Resource and Advisory Centre


Price

Priced Reasonably – this is what every buyer are looking for.  They might be looking for the best of the best but they do have a pricing in mind to consider. It is important to work hand in hand with your agent regarding the pricing of your home.Their job is not just to specifically sell your home at a price but to give you thoughts, recommendations and proper advises as to why you should consider selling your  property that could have been priced more or lower than what you want depending on statistical data and the market that your property is associated with, which will attract more buyers. What you can consider when pricing your home:

  • Prices of similar nearby homes that was sold in the past three months
  • Fixtures of your home
  • Competition in the market

Why Sell your Home in Spring:

Based on the study made by Zillow last March of 2016:

Best Window to Sell Homes Faster and for the Highest Price

  City    Ideal Timeframe to List Home   Days  Sold Faster than Average   Average  Sales Premium (%)   Average  Sales Premium ($)
San Diego, CA March 16-31 13 1% $5,200
Atlanta, GA April 1-15 19.5 1.40% $2,200
Washington, DC April 16-30 18 1.10% $4,100
New York May 1-15 16.5 0.60% $2,400
Los Angeles, CA May 16-31 12.5 0.90% $5,300
Houston, TX June 1-15 12.75 0.70% $1,200

 

Source:  Zillow (March 2016 CNBC report)  


Buying a home in San Diego North County?

If you would like to meet with me to start planning your goals to buying… From Single Family Homes, Condominiums to townhomes and more, I am positive we can find the right home for you. Visit our website to view real estate listings in the area. Call me at 619-417-4655 or email Shannon@ShannonBiszantz.com.

 

Homes for Sale on a Private Paver

Homes for Sale in Cardiff by the Sea Street

Check out this new set of construction homes for Sale on a Private Paver

 

Built in a community that exhibits a wide array of ocean views, Windsor Estates is proudly offering in the market a new set of construction homes for sale on a private paver lined Cardiff by the Sea street.

Standing in one of the communities that comprise Encinitas, which is located on its east and north, Cardiff is also facing the Pacific Ocean on its west and bordering Solana Beach to the south in San Diego County, California. Unlike the other communities of Encinitas, it has its own zip code and proudly cheering NO to Mello Roos! Cardiff Reef and other popular surf spots are just a few of what attracts tourist around the world to come and visit this astounding community.

These new in market homes for sale offers but not limited to:  a spacious backyard –  which is perfect for entertaining, a private cul de sac street with decorative paver stones, a convenient access to I-5 and beaches fitting for a year-round upstanding weather that the county provides,it is also close to parks, schools and shopping, and most especially,  with a luxurious design finishes throughout.

More of what these homes can provide you: 

  • Approximately 2.117 – 2, 264 SF of living space
  • Lot sizes approx. 6500 – 8,376 SF
  • Gourmet kitchen with KitchenAid stainless appliances and slab granite countertops*
  • Large laundry room
  • High capacity RG6 data wiring and pre-wired for security
  • 9 ft ceilings
  • Soaking tub with separate shower in master bath.
  • Large master bedroom with walk-in closet
  • Prepped for Solar

Also available in each home:

  • Dual- glazed white vinyl- framed windows with Low E-glass for energy savings and year-round comfort
  • Oversized 2- car garage
  • Custom gas fireplace with stone surround
  • Garage pre-wired for electric vehicle charging
  • Front yards professionally landscaped with automated irrigation clocks and landscape lighting
  • Energy efficient tankless water heaters
  • California room at rear of home including ceiling fan, pre-wired for TV and gas for BBQ

These remarkable homes are definitely one of the paradigm of your dream house for you and your family. Not to mention the prevalent access to almost everything that you need, its setting is one of the most sought out types of community in the market nowadays. So why wait longer if you can have one now? Deciding to take that big leap? Give us a call and let us help.

Listing Agent as you can see on the MLS: Catherine Fagan – Realtor®
Pacific Sotheby’s International Realty
858.356.2624


Buying a home in San Diego North County?

If you would like to meet with me to start planning your goals to buying… From Single Family Homes, Condominiums to townhomes and more, I am positive we can find the right home for you. Visit our website to view real estate listings in the area. Call me at 619-417-4655 or email Shannon@ShannonBiszantz.com.

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Shannon Biszantz

Shannon Biszantz

Shannon Biszantz reviews

CalBRE #01787015
16236 San Dieguito Road, Suite 4-12,
Rancho Santa Fe, CA 92067

Work Cell: 619-417-4655
Office: 858-755-0075




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