Scripps Ranch, Mira Mesa, San Diego and Rancho Penasquitos real estate and homes for sale in California - Tami McCraw, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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Welcome! Here You Can Find Great Information on Scripps Ranch, Mira Mesa, Rancho Penasquitos and San Diego Real Estate for Sale Including Foreclosures and Short Sales.

Looking for homes for sale in San Diego? Search everything the web has to offer, right here!You will find the latest homes for sale in Scripps Ranch, as well as homes for sale in Mira Mesa, Rancho Penasquitos and the entire County of San Diego.

Looking to purchase a distressed property; a bank owned foreclosure or short sale?   You are in luck!  With the down turn in San Diego’s housing market, there are literally hundreds of amazing bargains to choose from.  Good deals do sell quickly however, often within the first few days of coming onto the market so it is crucial you have a knowledgeable, experienced and aggressive Realtor on your side that you can trust to work hard for you.  I have extensive experience and success with short sales as well as foreclosures.  More importantly, I pledge to always put your needs first giving you honest, knowledgeable advice you can trust. 

Whether or not you are thinking of buying your first home, relocating to San Diego or looking to sell your current home, preparation and knowledge are essential to a successful transaction.  No other time in San Diego’s real estate history have we seen such high numbers of short sales and foreclosures and with that, the problems they bring into our neighborhoods, home owner’s association and our local economy.  To better help you navigate through such challenges, I offer a free 30 minute consultation to help educate you and prepare you for your investment needs.  And as always, I promise to offer you honest, truthful advice based in market knowledge and years of experience.

If you are one of the thousands of home owners who are upside down on your home or facing foreclosure, call me, I can help.  Foreclosure is not your only option however preparation is key.  Don’t wait till you fall behind in your mortgage payments to call and by no means is there anything to be ashamed of.  Literally thousands of San Diegan’s are experiencing difficulty making their mortgage payments as are people from all walks of life.  And for most, there is help.  I will help guide you through your options, helping you to make the best most informed decision for you and your family, in a reliable, professional and always confidential manner.  Get started on your future and give me a call today!

Buying and selling a home is one of the biggest financial and personal events in your life. As a top Scripps Ranch, Rancho Penasquitos, Mira Mesa and San Diego Realtor, I have the experience and track record you are looking for. Please let me help

- Tami McCraw




Real Estate Tips
Financing Your Home >Watch Your ARMs Length

Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.

First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which famous home designed by Thomas Jefferson showed forms of Greek and Roman architecture?

A 
Monticello, begun in 1769, was later enlarged in keeping with its classical forms.
See More Real Estate Trivia >


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Tami McCraw, REALTOR®, real estate agent and broker for Scripps Ranch, Mira Mesa, San Diego and Rancho Penasquitos, California home listings, property and land for sale - NUMBER1EXPERT(tm)

Tami McCraw
Coldwell Banker Residential Brokerage

12036 Scripps Highlands Drive
San Diego, CA 92131
DRE License# 01435258
Phone: 619-884-9640
Fax: 858-695-3635
Email: TamiMcCraw@gmail.com


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