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Welcome to Tami McCraw'sRancho Penasquitos, Mira Mesa and Scripps Ranch Real Estate Website

Welcome! Here You Can Find Great Information on Rancho Penasquitos, Mira Mesa and Scripps Ranch, California Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? I've summarized much of what is important about the Rancho Penasquitos, Mira Mesa and Scripps Ranch real estate market in this site.

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Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

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

- Tami McCraw

School Reports in Rancho Penasquitos, Mira Mesa and Scripps Ranch, California

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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California Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

Schools in Rancho Penasquitos, Mira Mesa and Scripps Ranch

Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	What area in the United States has the highest per capita income?
A	The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data.
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Tami McCraw, REALTOR®, real estate agent and broker for Rancho Penasquitos, Mira Mesa and Scripps Ranch, 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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