Beka 

Here are the fundamentals:

You do NOT need to bank at Mission Fed

Must be a First Time Home Buyer (have not owned within last 3 years)

Minimum 620 FICO, max debt-ratio of 45%

Buyer has to contribute at least $10K towards down payment, grant can be applied to down payment & closing costs.

They do not do VA or FHA but have 0%, 3%, 5%, 10%, and 20% down loan programs!

They verify all member of the home by gathering the last filed tax return, we must count income from all family members & have both husband and wife on the loan, so no hiding income or lower credit scores.

It can be used on our fixed or arm programs & there is no restriction to renting the home out after the first year.

There is a 20-30 minute online homebuyers course they have to complete around the time they go into contract.

There is only $20M in funds available, which means it will only help 400 transaction, but we’re limited to $2M as a lender, we’re the only credit union in SD approved on the program they’ll update us as funds are going down, funds may only last 1-2 weeks.

If you're looking for competitive rates you've come to the right place. Take a look at our great rates and apply to our credit union today!

Jason Swope

Mission Fed

(619) 339-7693‬

JasonS@missionfed.com

Here is what the data says - buy now, refinance after? 

Here is what the data says - beat the rise in home prices!

The truth about refinancing. 

We can determine if this is the right fit for you & if we can negotiate this from the sell side when the times comes. It's also important to note that you must qualify for the purchase price at the current rate, not the reduced rate. 

Market conditions play a big factor when it comes to home prices. Take a look at these market stats to get an idea of what is going on in the market today. We are in fact in a sellers market. 

You have already completed step 1 & 2. Ensure your monthly payment aligns with your comfort level rather than fixating solely on the price. Remember, starting with a condo grants you an advantage for future upgrades to a home, facilitating smoother transitions in a competitive market.

Home ownership comes along with a number of benefits. Here are a few of those benefits. 

I'd recommend you do research on a demographics site like this one to check on things like crime rate by zip code.

San Diego County offers a diverse number of communities for you to buy in. This map will help you understand all of the cities and zip codes across the county.

While it's great to do your own research, everyone's situation is different and it may be best to consult your CPA. 

Valerie Narmontas and her team were incredibly helpful and supportive throughout the process of purchasing a condo in San Diego. Valerie is a rock star!

She is professional, knowledgeable and strategic, and she really listened to and cared about our goals. She worked hard to make sure our interests were represented, and she worked above and beyond our expectations. Her communication was outstanding. Valerie was responsive, supportive, and enthusiastic. We will definitely work with her in the future and would recommend her to friends and family.

- Liliana Lengua

Learn more about the four benefits of working with Whissel Realty Group that you won't find anywhere else in San Diego.