Kevin Kueneke

San Diego Mortgage Expert

Born and raised in the Midwest, Kevin graduated from the University of Colorado, Boulder in 1993 with a degree in Economics. After graduation, he immediately jumped into the mortgage industry, specializing in purchase-money loans and refinances including FHA, VA, and Conventional financing. Kevin relocated to North County San Diego in 1995 and has continued his growth and success in all aspects of residential lending.

He feels that his best assets are his attention to detail and his ability to listen to his clients. Kevin is customer service oriented and works hard to provide tailored solutions that best fit his client's needs. His goal is to not just be his client's lender today, but to become their lifelong mortgage resource. He truly enjoys his work.

When Kevin is not working, he enjoys an active life surfing with his wife Christine, running on the beach with his daughter Hanna, or throwing the ball with his Labrador Retriever Duke.

Contact Kevin today for all of your mortgage lending needs by calling (760)500-1919 or email him at KevinK@AmeriFirst.us

Direct Lender, Mortgage Banker

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CA Real Estate Agents Watch This Video:

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FHA Mortgage Loan Specialist

VA Mortgage Loan Specialist

Federal 1st Time Buyer And Repeat Buyer Tax Credit For The Military - Two Months Left!

Did you know that members of the uniformed services, members of the Foreign Service, and employees of the intelligence community are eligible for the $8,000 Federal 1^st Time Buyer Tax Credit and the $6,500 Federal Repeat Buyer Tax Credit even though they have expired for everyone else?

This applies to any individual who served on a qualified official extended duty service (i.e. deployment) outside of the United States for at least 90 days between December 31, 2008 and May 1, 2010. These eligible buyers must enter into a binding contract by April 30, 2011, and close by June 30, 2011.

The same 1^st Time Buyer parameters apply as the non-military version of the credit (no ownership in past three years, income limits, etc) and the same repeat buyer parameters apply (must have owned same principal residence in 5 of last 8 years, income limits, etc).

Great news for all of our troops that just came home, but have not had a chance to find the right house. They still have time to qualify for this tax credit! Remember, these buyers can pay cash for the new home or use VA, FHA, and Conventional financing.

FHA Mortgage Loans Are A Very Important Part Of The Housing Puzzle

FHA mortgage loans feature low down payments, low mortgage rates, reasonable mortgage insurance (for now), fairly lenient income guidelines. Kevin Kueneke is an FHA Mortgage Expert and looks forward to assisting first time and repeat home buyers.

VA Zero-Down Mortgage Loans Up To Sales Price Of $537,500 In San Diego County

Last year, the lVA Zero-Down limit was $437,500 in San Diego County. Through September 30, 2011, that number has been increased to $537,500. Remember, you do not have to be a first time buyer to qualify for a VA mortgage in San Diego County. Also keep in mind, that VA mortgage loans are available over $1,000,000. Kevin Kueneke is a VA Mortgage Expert and looks forward to assisting you.

Fannie And Freddie Loans - Conforming And High-Balance

Primary Residential offers competitve rates and make-sense underwriting for Conforming Loans (up to $417,000) and High-Balance Loans ($417,001 to $697,500 in SD County). Be prepared to document your income, document your assets, prove that you can afford the house! Simple enough.

Jumbo Money Is Alive And Kicking

Primary Residential Mortgage can provide mortgages up to $5mil with competitive rates (many lenders are capped at $2mil). Jumbo guidelines are obviously asset-based, so be prepared to show some money in the bank.

SPEAK WITH A LENDER BEFORE YOU FIND YOUR DREAMHOME

Organize your income documentation, find your bank statements, be realistic about what you want and need, speak with a lender BEFORE you consider writing an offer. Lending guidelines are very different from 5 years ago, every piece of paper, bank deposit, late payment, etc, matters!

TEAM CONCEPT

Every transaction involves a number of people. The real estate agent, the title company, the escrow company, buyers, sellers, and lender. We all have the same goal: to close the deal. Partner with industry professionals who share this same concept. If you make a mistake, own up to it, apologize, and find a solution. The "blame game" is tiresome - don't be that guy!

Day To Day Happenings

3/17/2011 - Happy St. Patrick's Day! But more importantly, Happy March Madness! Rates are a little off today, but the past couple days have been nice. We are seeing 30yr fixed in the mid 4's again (for the right clients). Who knows what will happen after April 1st when Mortgage Loan Originator compensation changes. Our rates are supposedly going to stay very competitive whereas some of the big banks are rumored to increase their rates. I will let you know.

2/25/2011 - Are you a real estate agent licensed in the state of California? Would you like to have a greater web presence for your listings? Click on my blog and sign up for our latest program. Look at these results, the top three on the front page of Google out of over 3 million! Needless to say, this referral partner of mine is very pleased.

2/24/2011 - If you will be in the San Diego area on March 9, 2011, we are hosting our popular CA DRE accredited class, The Value Of Being Seen In Social Media, and the SDCAR office. Contact me for details.

I am also starting a new blog, SurfsUpSurfsDown, that will have mortgage information, property listings, and community information as well.

2/23/2011 - Today was a very successful Caravan pitch session for the Carlsbad/Encinitas group. Lots of great properties on tour. We are a sponsor of next week's session, so come see us! Coastline Community Church in Carlsbad on Calle Barcelona just east of El Camino Real. The meeting starts promptly at 8:15am.

2/16/2011 - Our Primary Residential Mortgage FHA Choice Program has been a huge success. This is a PRMI serviced FHA Mortgage loan that allows credit scores as low as 500. HOWEVER...the lower the score, the more stringent the guidelines. Good news though, the rates on this program are reasonably competitive with "regular" FHA mortgage loans.

2/11/2011 - I attended a social media luncheon today with guest speak Jeff Dowler. We are lucky to have true professionals like Jeff in our industry.

2/4/2011 - Are you getting your listings to the top of Google? My agents are! Ask me how.

1/21/2011 - Wow! We hosted a CA Department of Real Estate accredited continuing education seminar yesterday, The Value of Being Seen on Social Media, and what a success it was! We had over 180 Realtors and other industry affiliates attend (that's right, we invited other lenders - we are all in this together!). If you are licensed by the CA DRE and would like to attend our next class, let me know!

"Kevin, thank you for inviting us to your class yesterday! We have dabbled with social media in the past, but have been missing the tools to get to that next step. Thanks for getting our listing to the top of Google!" Steve & Sherry

"Kevin, I took the Google search results for my other listing to a new listing appointment because I wanted to show what my partners do for me. I got the listing! Thank you for being a part of my team." L.G.

About Kevin:

Kevin has been in the mortgage business for over 18 years and has obviously experienced the highest of highs and the lowest of lows in the market. Here is what he does:

Current and Pertinent Mortgage Updates:

Lending guidelines seem to change almost daily. Kevin knows that it is imperative for you to be as informed as possible when negotiating your offer.

Work with a Direct Lender:

Primary Residential Mortgage is a nationwide direct lender and mortgage banker with over $1Billion in warehouse line capacity offering Conventional, FHA, VA, and Jumbo financing. We also have a portfolio FHA mortgage program that allows credit scores as low as 500 (keep in mind that qualifying for any mortgage with a 500 score will be very difficult).

Thorough Pre-Approval Process:

Not just a "prequal" based on a general conversation, but actual verification of income, assets, and credit by an in-house underwriter. That way you know that you or your client can shop with confidence. Start the process today by clicking HERE

Homebuyer Education Seminars:

Whether you or your client is a first time homebuyer or a move-up buyer, Kevin will help educate for today's market.

Personal Service:

Have lenders that you have worked with in the past attended your purchase closings? Kevin does! First time buyer or multi-property owner, Kevin understands that questions arise at closing. He is there to answer those questions and help facilitate a smooth signing.

Giving Back To The Community:

Volunteer work is a very important part of the real estate and loan industry. The North San Diego County Association of REALTORS (NSDCAR) has an ongoing volunteer program, REALTORS Building A Better North County. Last year we cleaned up several North San Diego County beaches. Next week, we are participating in Dr. Seuss Reading Day, where we will read our favorite children's books and/or Dr. Seuss stories to students in Fallbrook. Looking forward to it!

What is required for an accurate loan application?

• Copies of w-2's and/or 1099's for 2009 and 2010
• Copies of Federal tax returns for 2009 and 2010 including all schedules
• Copies of Partnership or Corporate tax returns for 2009 and 2010 including k-1's
• Copies of paystubs covering the most recent 30-day period (if paid monthly, a total of two paystubs will be required)
• Copies of most recent 2 months bank statements (all pages), 401k, IRA, brokerage accounts, etc. (assets)
• If retirement/pension income, copy of awards letter
• If other property owned, copies of recent mortgage statements or coupons, property tax bills, and homeowners insurance declarations page
• Copy of current driver's license or other valid government issued picture ID (per the Patriot Act). For permanent resident aliens, copy of Green Card. for non-permanent resident aliens, a copy of work visa showing expiration date
• For VA buyers, a copy of your Certificate of Eligibility and DD214 (if discharged)
• Letters of explanation for any derogatory credit, job gaps, larger than normal bank deposits
• Copies of Social Security cards

The more complete the items provided, the smoother the loan transaction! If your lender asks for it, provide it.

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Apply For A Home Loan

CA REAL ESTATE AGENTS: Did you complete your CA Department of Real Estate (DRE) Continuing Educations requirements? As of January 1, 2011, the credit hours are now "clock" hours. We offer classes that are not only informative, but also fun. Contact me today if you would like to attend. Our next class is set for late March, 2011, at the North San Diego County Association of REALTORS (NSDCAR) office located at 906 Sycamore Avenue, Vista CA 92081.

What I Do for My Referral Partners

I understand and appreciate the fact that my referral partners work hard for their leads. In return, I refer clients back to them. You get what you give.

Trouble blogging? I may not be an expert, but I can at least point you in the right direction.

And remember, I will be teaching a DRE accredited class on FHA/VA in late September 2011 at the NSDCAR Office in Vista CA.

Have a new listing and looking for a different way to market the property? Watch this video:

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Testimonials

"Wow, what a great effort by Kevin and his team. They closed my loan in 10 days after another company could not do it in 2 months. Thank you again!" Thor P., La Jolla CA

"Kevin was available 7 days a week to answer our questions. He made the home buying process easy and we would definitely recommend him to our friends and family." A.W., Encinitas CA

"Our loan for our dreamhome was denied by our bank at the 11th hour. Kevin picked up the pieces, got us approved, and closed on time! We will forever be greatful." Mr. and Mrs. Powers, Carlsbad CA

"I have worked with Kevin for over 10 years now. He assisted me with purchasing my first home as well as two investment properties. His attention to detail and customer service skills are truly an asset." H. Morris, Temecula CA

"After writing almost 20 offers on different homes, we were more than ready to close. Kevin was able to close earlier than our contract date which allowed us to move in before Christmas, what a great present. Thanks again Kevin!" V.S., San Marcos

"Kevin, thank you for inviting us to your class yesterday! We have dabbled with social media in the past, but have been missing the tools to get to that next step. Thanks for getting our listing to the top of Google!" Steve & Sherry