Looking to buy in North San Diego County?
You’ve come to the right place!

The San Diego area is growing by leaps and bounds!  With so many San Diego real estate options to choose from, you need an agent to help you make the best real estate decisions.  You’ve definitely come to the right place. We're the local experts and we're ready to put our experience to work for you.  If you haven’t chosen a San Diego REALTOR® yet, make sure your candidates can answer these tough questions:

• What are the hottest growing areas in San Diego County and the San Diego area?
• If it’s San Diego investment property you’re after, which areas are the most promising for rentals and flips?
• What are the benefits and pitfalls of buying San Diego preconstruction?
• What urban development projects might affect the value of San Diego real estate?
• Which areas of San Diego are ripe with affordable gems?

You’ve come to the right place to find your dream home in San Diego, or in the popular surrounding areas of San Diego County.  Whether you’re looking for an estate, an executive home, a luxury condo, a retirement villa, a historic home, a downtown loft, a beach-front property, or anything else in the greater San Diego area — I can help you!

My service area includes: San Diego County real estate Imperial County real estate Riverside County real estate Orange County real estate

San Diego Area Attractions:

• SeaWorld San Diego
  There’s no place in the world like SeaWorld San Diego. Where else can you see the Shamu® show and touch a dolphin?
• San Diego Zoo
  The 100-acre Zoo is home to over 4,000 rare and endangered animals representing more than 800 species and subspecies, and a prominent botanical collection with more than 700,000 exotic plants.  It is located just north of downtown San Diego in Balboa Park.
• Maritime Museum of San Diego
  The Maritime Museum of San Diego enjoys a worldwide reputation for excellence in restoring, maintaining and operating historic vessels.  The museum has one of the world’s finest collections of historic ships, including the world’s oldest active ship Star of India.
• Bernardo Winery
  Established in 1889, Bernardo Winery is San Diego’s oldest operating vineyard and winery.  Enjoy lunch inside at Café Merlot or dine on the patio. Also, a big attraction here are the winery’s charming village shops.

Loan Application Checklist

In General, the documentation you will need includes:

Income & Assets
	Pay stubs for the last 30 days.
	For the past two years:
	Names and addresses of each employer. Tax Returns & W-2s
	Statements for each bank, mutual fund, and/or investment account for the last three months.
	Estimated value of personal property and furniture.
	If you have made any large deposits to your accounts:
	Explanation and source for deposit. If large deposit was a gift: Signed gift letter (lender can supply). Copy of gift check. Copy of deposit receipt.
	If you own more than 25% of a business:
	Corporate or partnership tax returns.
	If self-employed:
	Tax returns for the last three years (with schedules). Year-to-Date Profit and Loss Statement prepared by an accountant.
	If you own rental property:
	Tax returns for the last two years and current rental agreements.
	If you are retired:
	Pension Award Letter.
	If you receive Social Security:
	Social Security Award Letter.
	If you are counting child support as income:
	Copy of divorce settlement. Copy of twelve months of cancelled child support checks.
Debts
	Names, addresses, account numbers, balances and monthly payments on all current loans.
	Explanation of credit report anomalies, including:
	Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens. Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
VA Loans
	Copy of DD Form 214, Report of Separation.
Miscellaneous
	Photo ID and proof of Social Security number.
	Residence addresses for the past two years.
	If applicable, a copy of your divorce decree.
	If you are not a citizen, a copy of the front and back of your green card.