Carlsbad, CA

Best mortgage rates and service are available right here!

Calculators, current rates, buying a home, refinancing, VA, FHA, USDA, Conventional and Jumbo loans.

Best mortgage rates are available with our company because of our size and our 300 lender relationships. Finding the best mortgage rate is hard if you shop the big banks retail mortgage divisions.

We are a mortgage broker servicing California, North Carolina, Oregon and Washington. Our corporate office is headquartered in Fairfield California since 1977.

Licensed to brokerloans with over 300 lenders including Bank of America, Wells Fargo, Citimortgage, Met Life, Fifth Third Bank, Flagstar, ING,Luther Burbank, Provident, Suntrust, US Bank and many more. 

Find a home with our network of professional real estate agents interviewed and selected for their extensive knowledge and expertise! 

Send us an e-mail with the city and state.  nevin@nevinloans.com

You may also call us at (888) 206-5781 My extension is 1017

Nevin's CA DRE Lic#01366552  FPF CA DRE Lic#00654852  

here was a very interesting blog by Larry Bergstrom.

He gave a thoughtful answer to a very familiar question.

I really liked the fact he brought up the agency concerns.

http://activerain.com/blogsview/1315653/-did-you-set-the-price-or-did-the-seller-

Are our Real Estate Agency Rules outdated?

Why are we supposed to avoid telling agents and or the public price is negotiable. (unless our sellers specifically say price is not negotiable)

Whether we are trying to stimulate a new offer or trying to negotiate an improved offer, we are working on behalf of the seller. How could trying to bring in an offer or bring a current offer higher not be to our sellers advantage. We are not signing deals for our sellers.

My thought is that unless we are also working with a specific buyer and a specific buying opportunity we should be at liberty to say, sure the current listing price may be high for some buyers, but our price is negotiable.

Since we already know most Realtors are always negotiating price why don't we insist that agency rules conform to real estate reality.

(I exclude a situation in which the listing Realtor is also represents the buyer. )

Carlsbad Real Estate

There's not much that I like better than spending time at the beach. While it's only a short distance from my house, it seems I just don't get there often enough.

I was out on a long bike ride recently with my camera and stopped along the beach where the Aqua Hedionda Lagoon joins the ocean in Carlsbad California. The jetties there provide some interesting photo ops, but a video seemed even better, since the tide was coming in and the waves were a decent size. So, for those of who who cannot get to the ocean very often, or who just enjoy the sound of waves crashing against the rocks, enjoy! And while you're watching these waves, I'm watching the waves in Cancun. :)

Every now and then I like to share what I think is a great opportunity. It may be a terrific condo, a fixer with tremendous potential, or in this case in the Carlsbad real estate market an awesome ocean view new beach home directly across the coast road (Carlsbad Boulevard) from the beach and ocean in Carlsbad California by Carlsbad State Beach (north end).

This newly built home that is nearing completion is priced just under $4 million, which for 3 floors (1 below grade) with 6200 SF of living and entertaining space, a 1700 SF roof deck, a 1300 SF garage, 5 bedrooms, 5 full baths and 2 half baths, and some pretty incredible views, makes for a pretty sweet deal.

No it is not direct ocean front, but the land in front across the street belongs to the state and cannot be built on. You simply walk across the street and down the stairs to the sand. Perhaps 2 - 3 minutes if you have to wait at the light for traffic.

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If I can provide more information about Carlsbad real estate and surrounding areas, or the housing market in general, or otherwise assist you in your homes search, please contact me by phone or text at (760) 840-1360 or email me at JDowler@remax.net.

All content copyright © 2009 Jeff Dowler Carlsbad Homes and Real Estate Tidbits

Thinking of relocating to Northern San Diego? Good move! Why wouldn't you relocate here?! California mortgage rates are as low as they are likely to get and you have great weather, nice people, good restaurants, close to mountains, close to the desert and a lot of nearby attractions. Best of all you have amazing beaches!

The Mexican food in San Diego is top notch!

The Spanish style homes are beautiful

All agents are not created equal!

If you are relocating to Northern San Diego you'll need more than just a list of homes for sale. You'll need an agent that specializes in relocation. Relocation agents not only have specific neighborhood information when it comes to homes but also local restaurants, schools, traffic patterns. community events, doctors, dentists and children's services to name a few.

If you are relocating to San Diego you need to contact Jeff Dowler. Jeff Dowler is Northern San Diego's relocation specialist. You can Google his name and find him easily!

Mortgage Interest Rates for Fixed Rate Mortgages*

Rates as of Monday, 2nd November, 2009:

Term Conforming APR Payment per $1,000 Jumbo APR Payment per $1,000 30-Yr. fixed 360 4.75% 4.922% $5.22 Call % 0.000% $0.00 15-Yr. fixed 180 4.25% 4.545% $7.52 for% 0.000% $0.00 7-Yr. fixed ARM 360 3.75% 3.912% $4.63 jumbo% 0.000% $0.00 5-Yr. fixed ARM 360 3.50% 3.660% $4.49 &% 0.000% $0.00 10 Yr. fixed ARM 360 4.25% 4.417% $4.92 FHA% 0.000% $0.00 5-Yr. Interest Only 360 3.625% 3.786% $3.02 Rates% 0.000% $0.00

*Rates are subject to change due to market fluctuations and borrower's eligibility.

Certain credit requirements and other conditions apply. This is not a guarantee to lend. Rates based on a 12 day lock period and a minimum loan amount of 165,000. Credit determination must be made prior to approving rate. Equal opportunity lender. CA DRE Lic.#01366552 FPF CA DRE Lic#00654852 Nevin's NC Lic#I139451 First Priority Financial NC Lic# B-146523-101 OR ML3337 WA 510-MB-30588-51099 First Priority Financial is the largest mortgage brokerage in the United States with our corporate office in Fairfield California and offices nationwide. Our office is one of many that are licensed to originate mortgage loans in the state of California. Because of our sheer size and loan volume we are offered the lowest mortgage rates in the industry. (888) 206-5781 x 1017 nevin@nevinloans.com