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Copy of #1 Plumbing Company in San Diego

We are an affordable, fast and reliable mobile service. We offer a variety of plumbing services including: - water heaters - home water filtration systems - tankless service and repair - drain stoppages - drain line replacement, - service and repair - leak detection - shower valves and disposals. Call 619.568.0703 for your FREE estimate.

The very BEST HVAC company in all of San Diego

Our team of technicians are all highly trained and educated in the field, and well-skilled with all makes and models of air conditioners and heating systems. Our teams are also well-versed with air purification systems and indoor air quality inspections, and are available around the clock. We are dedicated to providing our customers with respectful, honest, dependable and reliable service for any air conditioning situation, no matter how large, or small. We keep our pricing competitive and fair, as we are also homeowners and business-owners, and know what you do and don’t want from an air conditioning company! We provide all of our estimates in writing, free of charge, before any work is begun. Our repairs even come with a one year warranty, so that you have peace of mind for a long time to come, and can have the confidence that every repair we perform will last. We are committed to ensuring that each and every one of our customers are completely satisfied, and we take it to heart to complete every job to your 100% satisfaction! We are your one-stop source for all of your heating, AC and air quality needs in San Diego, Encinitas, Chula Vista, Carlsbad and all surrounding areas in San Diego County.

VA Loans 101

Whether you are currently serving, or retired from the military, you may be eligible for a VA loan. We here at Movement Mortgage pride ourselves in assisting military members from all branches and are a top 10 VA lender Nationwide!! We were co-founded by a Veteran and because of that we do not charge ANY loan origination fees on our VA loans. It is our little way of giving back to the most honorable men and women in our county. These loans offer significant benefits that are not limited to: - No down payment - No monthly mortgage insurance - Lower FICO scores accepted - Lower rates than conforming loans - Streamline refinance options Please do the short online application available on this website or contact me to learn more about this amazing loan!!

Financial Planning 101

Investment markets are crazy. Inflation is crazy. The housing market is crazy. Let’s be real…LIFE is crazy. How great would it be if you changed your relationship with money,…gained a new perspective on the role of money in your life? That’s what I’m here to do! Let’s settle a lot of the craziness by setting goals and putting together a plan that will get you moving toward your desired financial future! I can help with: • Spending Plan & Cashflow Management • Tax Reduction Strategies • Financial Coaching and Accountability • Individual or Group Insurance Options • Individual Retirement Accounts • Real Estate Solutions • Management and Business Planning • Employer Sponsored Retirement Accounts - 401k or 403b • Education Savings Plans • Investments for Minor Children Looking forward to talking with you!

Seller Concession Cheat Sheet

In today's Real Estate market it is not uncommon to get a seller concession to help with closing costs. Depending on what kind of loan and down payment being used will impact how much the seller can give towards those costs. Please reference this handy chart I made as an easy guide to make sure you are not asking for more than the specific program allows.

Supplemental Tax Bills

Supplemental bills are separate and in addition to the annual tax bills. They are not sent to a lender for payment. The property owner is responsible for ensuring that the supplemental bills are paid on time. Anytime a property is sold to a new owner or new construction is completed, state law says it must be reassessed by the County. That reassessment will most likely change the assessed value of your property. When your assessed value changes, the County must recalculate your property taxes, and when those change, we will send you a supplemental tax bill. The supplemental bill shows your home’s change in value from the day you closed escrow, or reported the new construction, through the end of the fiscal year, which is June 30th.

Why you NEED a TRUST

Our Private Asset Protection Plan is great for people recovering from credit problems, divorces, other losses, or just removing barriers allowing future success. We offer a Private Protection Trust Plan for families and businesses that protects against loss by relatives, lawsuits, bad partners, huge medical bills, bankruptcy, divorce, business attacks, creditors, and unfair tax situations, with detailed specific answers and (every day) live staff contact and customer support. We put Safety and Protection in existing Wills and Trusts. This alone can save many thousands and many months of probate and court and attorney fees. You can make sure all of your estate privately goes to your choice of beneficiaries. Our other interesting websites at your leisure: www.TheProtectionBook.com www.TrueTrust.com www.TrueTrustServices.com www.KeyKidFoundation.com Please call me with any comments or questions. EJ - Senior Trust Advisor, Trustee, Engineer, Author Direct: 949-497-3600 ( Voice - NO TEXT - 3pm to Midnight is best ) ej@truetrust.com

Everything you need to know about credit

This page is to dedicated to help answer all of your credit questions. If you are looking for ideas to get your score higher I would highly recommend reaching out to Mya Sanchez at National Credit Care!! She has helped us multiple times turn a NO into a YES in as little as just a few months! Even if you have an adequate score to qualify, getting a higher score can have a major impact on the rate and terms you will get on your next loan.

Renovation Loans

Have you fallen in love with a house that despite it’s rough exterior, it “has potential”? If you’re looking for a new home to live or invest in, buying a fixer upper is a unique option that has significant advantages. Aside from being able to purchase the home at a lower price, you can also remodel it to its “full potential”, such as installing a new kitchen, updating the floor plan, maybe even putting in a pool ... all of which can increase the home’s value. But these renovations can be costly — often tens of thousands of dollars. What’s more, a conventional mortgage won’t cover these costs. So if you want to buy a home and remodel it, how can you pay for the renovations? That’s where rehab loans come in. So what are your rehab loan options? And more importantly, which one is right for you? Contact me TODAY and lets discuss your situation and see which one is the prefect fit for you!

Loan Options…. Yeah we got that!

We do just about everything. Please contact me TODAY so we can review your situation and see which option would work best for you.

Can-Do Condo Program

If you have hit a roadblock while trying to buy your condo, don't give up! We have a very inclusive Can-Do condo program that is more flexible than the 1996 Olympic gymnastics team!

Drop Your Payment Without a Refinance Using MM Recast Program

This is an excellent resource for existing or future Movement Mortgage clients!! Not all lenders offer a recast option so this is very special option for MM clients!! Normally when you put a large payment towards your loan it doesn't change your monthly payment. It lowers the principal balance but the next month the payment is the exact same. With a recast it allows you to make that large payment and have the remaining balance re-amortized and drop your payment, much like a refinance would do. You avoid the refi process, costs associated with the refinance, and get to keep your rate. This is currently only available for conventional loans. This would be ideal for: 1. Buying a home, moving in, selling your old home and paying the balance down and resetting your payment lower. 2. Lowering your monthly payment and not having to refinance if rates are now higher than when you got your original loan.

Worried about your monthly payment… look into a temporary buydown

With rates moving higher it is more important than ever to find solutions to help keep the monthly payments low and affordable. Our temporary buydown program allows the buyer to do just that! We have buydowns ranging from 1-3 years and during that time your payments are going to be hundreds of dollars cheaper every month!! Best of all, is if you refinance before the end of the buydown period the remainder of the buydown is refunded and applied towards your principal balance! This does not occur when you do a permanent buydown. This program is ideal for: 1. Borrowers who have the capacity for higher earnings within a few years of obtaining a mortgage 2. Borrowers who are receiving contributions through a gift or other eligible interested party contributions (Builder/Seller) who will fund the buydown plan at closing through a credit 3. Borrowers who wish to redirect cash flows during the buydown period toward other priorities or to reduce bills or debt

Interest Only Loans

With rates moving up having access to a 40-year IO loan might very well be your answer to a higher monthly payment. This loan works for all property types and owner-occupied, second home, and even investment properties. The qualifications are extremely generously allowing for full documentation, bank statements, or property cash flow (DSCR) to help you qualify. If you want to see what a lower payment looks with one of these IO loans please contact me right away.

Platinum JUMBO Loan – Max Flexibility

If you need some flexibility on your next JUMBO loan, then do I have the loan for you!! Please check out the highlights of our Platinum JUMBO loan program and contact me for more details.

Investment property cash flow loans – AKA DSCR

This is the easiest way for someone to qualify for an investment property! Simply put, they use the income from the property to help qualify for the new loan. No need for paystubs, tax returns, or even having a job! ***That is right, no job required!!!*** This loan is perfect for any self-employed borrowers who write-off much of their income and then struggle to get a loan. It also works well for the newly retired that no longer can show enough income to qualify but want to take equity out of their rental properties. The rate and terms are significantly better than a hard money loan, so please call me today if you think this might be a good fit for you.

Why are Home Owners Insurance Premiums Going Crazy??

If you want to know why your policy is going up this quick read has the answers.

The Past, the Present, and the Future

Hello, As a professional in the real estate market, I get asked the question below several times each week. So I thought I would put some critical data together, share my opinion on the housing market, and answer that question. Question: "Should we wait to purchase or buy now?" Here are the data points we will need to discuss to determine our best. ............... Appreciation - shows the increase of the value of a property from a monthly, quarterly, and a year over year adjustment. Forecasts - opinions from national real estate experts if properties keep increasing, slow, or plateau out. Supply & Demand - shows the data related to how many buyers to sellers are present in the housing market.

Seller Buydown Strategy

With rates moving higher and higher it is becoming increasingly hard for buyers to keep up with those payments. What if I told you there was a way to turn back the clock to when rates were a little better, and it is a win-win for everyone! It is called the Seller Buydown strategy. If you think this can benefit you or your borrowers please contact me today to set up a time to make a personalized presentation and see what the numbers would look like.

Does Today’s Housing Market Resemble 2006?

It feels like home prices are constantly on the rise! Is this 2006 all over again? Well, a deeper look into the data shows things are much different this time around. When adjusted for lower rates, and higher wages, it is actually cheaper to own now than it was in 2006. These low rates and lack of inventory will continue to drive home prices up.

2022 Real Estate Market Forecast

A quick look back at 2021 and what may lay ahead for 2022...

How to Remove Mortgage Insurance

If you have ever wondered how to remove your Mortgage Insurance this is the place to be! You will find multiple ways to get that mortgage insurance removed and start saving yourself some money!

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