Hope Leitner, Realtor®, CRS

Eligible borrowers are Active-Duty Military, Veterans and widowers of Veterans not re-married  100% financing in San Diego up to $546,250  No mortgage insurance on the loan  VA funding fee is waived if borrower is collecting 10% or more disability from VA  Minimum credit score of 580 and above to qualify  Loan amounts up to $1,000,000. Down payment is 25% of the difference over $546,250  May re-use VA Certificate of Eligibility over and over again throughout your lifetime, usually on just one house at a time  Up to 4% Third Party Concessions allowed. All or part of that may be used for debt reduction to qualify  Condos must be on the VA Approved Condo List. No condo cert needed and we don’t ask about litigation, budget, reserves, owner-occupancy, etc…  Seller does NOT need to pay any of the buyer’s closing costs  Pest Inspection must be paid for and provided by the Seller. Repairs are negotiable as far as who pays for them. Buyer can pay for them but it must not interfere w

Ask yourself these three questions to ensure you are ready. For those homeowners who may be interested in refinancing, you may or may not be ready to jump in. Lenders have developed stricter criteria in the wake of the recession. Here are some of the questions you'll need to ask to be an attractive candidate for a refinancing opportunity. 1. Are you a 20 percent stakeholder? The lenders would ideally like to see that you've got skin in the game — meaning, they want you to own at least 20 percent of the equity in the house.  How do you know whether or not you have that level of equity? Find out the answer  here . 

With all the wildfires in San Diego nearing 100% containment, residents of San Diego County are returning to their homes to assess the damage and begin the recovery process.  The County of San Diego offers its residents many resources to aid in the recovery and rebuilding of their property.  Information regarding this can be accessed through their website   sdcountyrecovery.com .  According to the website, the County has opened a Recovery Liaison Office at the County Library’s San Marcos branch, located at 2 Civic Center Drive. The office will be open from 7 a.m. until 5 p.m. this week, but please call the library at (760) 891-3000 to confirm that the office is still set up before visiting.     The office can offer people whose homes were lost and damaged in the Cocos Fire help to obtain building permits, clear ash from swimming pools, safely handle food after a power outage and other recovery and rebuilding information. According to a recent ABC news report, permit fees may be