Andrew Gavin Realty.Mortgage.Life

ALERT: New Video

Home Seller SUPERPOWERS!!!

The New Real Estate Rules are finally upon us and with major changes like this, there are always Side Effects.

In this video, I explain several side effects that potentially give home sellers superpowers when negotiating with buyers.

Have Questions about selling your San Diego Home, reach out
[email protected]

NMLS # 194471
DRE # 01792042

Seller Super Powers: Negotiating Your Home Sale, After August 17th Find out how the NAR settlements' Side Effects have essentially given San Diego home Sellers "SUPER POWERS" to negotiate the sale of their home.Whether you a...

Fighting the War on Misinformation.

Get insight on the national and local San Diego Markets, so you can make good decisions for your personal situation

Want to set up a Q&A call, just reach out

[email protected]

San Diego, Don't Fall For It. BuzzWords, Clickbait, FearMongering, Get Clarity On The Housing Market San Diego, THe information that is being pushed out by the media about home prices, a possible crash, and foreclosures isn't what it seemsIn this video, I go...

Today’s rates, not bad at all.

Hey, look at those govt rates for FHA & VA, so. Lose to 6%

Buying a home just became even more tricky, due to the new NAR and MLS rules updates.

The Good News For You is my team and I are prepared to help with strategies to help you avoid these 3 major challenges when placing offers and negotiating with the seller.

Want more info on our Homebuyer programs, and how we can save you thousands while delivering a full-service experience?

Reach out to [email protected]

3 Tips To Consider BEFORE Giving Your Agent Permission To Negotiate Their Fee. Buying In San Diego San Diego Home Buyers, you are setting yourself up to potentially lose out on homes you truly love, IF YOU LET YOUR AGENT NEGOTIATE THEIR COMMISSION when the...

This is one of the most confusion things that is changing for the real estate industry.

If you're a buyer or seller, you need to know how Concessions work. This is not just a swap in language from commission to concession, there are big benefits for buyers and sellers and some negatives for Real Estate agents.

Have questions, need a home loan, or want to start the process of buying or selling a San Diego CA home, reach out.

[email protected]

NMLS # 1944711 | DRE # 01792042

The Gloves Come Off: Negotiating A San Diego Home purchase. Buyers Don't Let Your Agent Get Your $$$ Today I'm talking about how Negotiations could go very wrong for buyers When buying a San Diego home. I expose why the high cost of the Buyer Agents Commissi...

EXTRA COMMISSION?? Sorry, there's No More EXTRA $$$ to kickback to the buyer, THOSE DAYS ARE GONE! If you're a Home Buyer in San Diego, or you are planning to list your San Diego home, please understand, that sellers offering concession amounts are only of...

Home Buyers:

THe biggest conversation in our industry over the last 4 months hs been the compensation you will be asked to pay.

Thats right, you will be asked to pay , which is probably brand new, to most buyers.

Now, when you have this conversation about how much you will agree to pay your buyer agent, that agent is going to spin things and tell you they can get the seller to pay that fee and you will be off the hook.

Sounds great right, but there are lots of challenges that come with you or your agent trying to negotiate their commission, Before or during the process of placing your offer.

How that works out is still unknown, but lots of risks come with this negotiation, requesting that the seller pay your agent.

have more questions, please message me
[email protected]

Buyer Agent Commission "The Elephant In The Room" Home Buyers and Home Sellers are being told Things will be better now that NAR settled. It's really not that simple, and it's unclear how much money could be...

Sellers Beware:
The whole industry is expecting you to keep them paid!

Watch this video if your planning to sell soon and you don't want to over pay commissions.

RIGHT NOW Could Be The Worst Time To Sell Your Home, Even With Low Inventory and High Home Values... San Diego home Sellers, Avoid losing thousands in commission dollars during the shift to the new NAR & MLS rules.I am uncertain if agents will work on their ...

Home Buyers

Learn why A Credit is Usually Better Than a Price Reduction.

Cash in hand gives you options, and I like it when my clients have options....

Want help with your Mortgage or finding a home in San Diego, reach out and let's talk.

My mortgage and Home Purchase programs can save you Thousands on fees and commissions.

[email protected]

Rise Realty | Tried and True Home Loans
DRE # 01792042 | NMLS # 194471

Does a Seller Credit TRUMP a Price Reduction, Let's Do The Math..... Are you a First-time Buyer here in San Diego? If you are you could be looking for a Low Rate Mortgage and possibly need help with Closing Costs.Once you get ...

This is now "possibly" the most important document in a transaction.

Want to discuss more, please reach out

[email protected]
NMLS # 1944711 | DRE # 017920421

The Most Important Document A San Diego Home Buyer Will Sign | 3 Reasons Why Home Buyers in San Diego are under a lot of pressure from Mortgage Companies and Home Sellers, and now Realtors will be pushing on them too.New NAR rules cha...

This topic is hot again since several MLS's are updating their systems to show Seller Concessions as part of the MLS Listing.

Check out this video if you are starting your home search and will need to get your buyer's compensation covered.

Planning to use an Agent to buy a home in San Diego? 3 options to cover that fee + 1 way to save $$$ As a San Diego Buyer, you definitely want to have an Agent's expertise to help you navigate your home purchase.As a licensed Mortgage Lender and Real Estate ...

Huge News for San Diego VA home buyers.

While this is great news, it does not mean the Buyer agent commission will be paid for or wrapped into the loan.

To ensure you get the best representation without paying thousands in Real Estate Commissions, reach out to find out about how Bundling my Mortgage and Real Estate Services can SAVE YOU THOUSANDS on fees and commissions

[email protected]
Tried and True Home Loans NMLS #1944711
Rise Realty DRE # 01792042

HUGE NEWS for San Diego Home Sellers and Veterans planning to their VA loan benefit to buy a home. The Veterans Administration has come and said they will pause the rule limiting Veterans from paying Real Estate Agent CompensationThis is a Major win for Ve...

Home Buyers and Renters
There are lots of Agents putting out content on “Should You Buy In This Horrible Market?”

So, to help you, when thinking about buying, possibly paying a higher mortgage payment than rent, and let's not forget the high 7%+ mortgage rates, I put this graphic together.

No matter what, you are likely going to have a higher mortgage payment than what you could find a rental for. This whole chart is based on paying a 33% higher mortgage payment over the possible rental costs.

This is all estimated, but here are the pieces to the equation, I used a 10% Down Payment, the Same $1500 for home insurance, and a rate of 1.25% for Property Taxes.

THE BENEFIT OF BUYING IS 100% CLEAR
Just look at the middle option of paying rent for $3500. IF that renter “invested 33% more paying a mortgage of $4655 in 5 years they would have about $245K in equity.

BONUS: That $245K of potential equity is after subtracting the $69K of 5 years of the higher payment amount.

Owning a home, even with a high mortgage rate, is still very profitable over time, even with a 7% mortgage rate.

And remember, you have to live somewhere, it might as well be somewhere that is increasing your Net Worth…

Reach out if you want to learn more about getting a mortgage or buying a home. If you bundle my mortgage and real estate services you can SAVE THOUSANDS!!!

[email protected]
NMLS #1944711 DRE #01792042

HOME BUYERS

Every time I do the math for the Southern California VeloDream For All program I find benefit after benefits after benefits!!!

So many lenders "that can't offer this program" are saying its a RIPOFF.

Maybe but I can't seem to figure out why they are saying that.

Look at this graphic. You can see that by using the DFA loan program you will be able to buy a significantly better property with the additional money from the Silent 2nd DFA loan, and even after repaying CA their 20% if you sell or refi, you are earning the exact same amount of equity for the loan you financially qualified for

However, you will have been living in a much different home and you will have a huge headstart on increased equity growth in 10 or 15 years.

The lottery closes on April 29th. Reach out if you want to get pre-approved and submit a lottery entry.

[email protected]
NMLS3 1944711 DRE 01792042

I have been talking to my Realtor partners about this for at least 8 month or so.

We saw the beginning of this back around Covid times but in the last 6-8 months things have ramped up fast.

If you get a notice of cancelation, take it seriously and start looking for your new carrier.

One of my close friends got a notice of cancelation due to living too close to a canyon.

Have questions please feel free to reach out

NMLS # 1944711 DRE # 01792042

7,000 San Diego homeowners dropped by latest insurer to pull out of California Roughly 7,000 homeowners in San Diego County are soon going to have to find another insurance company.

Lots of media chatter about the NAR settlement and the potential for buyers not needing to use a Realtor.

We got to this point in the industry, having buyer representation, because buyers were getting SCREWED by the sellers and their listing agents.

IF you're on the fence, about deciding if hiring a buyer agent is worth it, watch this video.

From a lawyer's perspective, there is lots of good info and things to consider in this video.

Want to talk about mortgages or Real Estate, just reach out.
[email protected]
NMLS # 1944711 DRE # 01792042

Do Buyers Really NEED a Real Estate Agent? The 2024 NAR Settlement states that Realtors will no longer be able to advertise compensation for buyers agents in the Multiple Listing Service (MLS). This...