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Ryan Young Interiors

(1)

“Enjoyed meeting the designers and staff at Ryan Young Interiors. They have a gorgeous modern setting with abstract art. I really enjoyed giving a presentation about my contemporary abstract art. Loved seeing the aesthetics and cool modern works th...”

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California Housing Administration

“Here at California Housing Administration, we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it!”

FAQs

What are the other types of loans?

Stated income/verified assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense. Stated income/stated assets: Both income and assets are disclosed but not verified. However, the source of the borrower's income is verified. No ratio: Income is disclosed and verified but not used in qualifying the borrower. The standard rule that the borrower's housing expense cannot exceed some specified percent of income, is ignored. Assets are disclosed and verified. No income: Income is not disclosed, but assets are disclosed and verified, and must meet an adequacy standard. Stated Assets or No asset verification: Assets are disclosed but not verified, income is disclosed, verified and used to qualify the applicant. No asset: Assets are not disclosed, but income is disclosed, verified and used to qualify the applicant. No income/no assets: Neither income nor assets are disclosed.

What is the difference between a mortgage broker and a lender?

A mortgage broker counsels you on the loans available from different wholesalers, takes your application, and usually processes the loan which involves putting together the complete file of information about your transaction including the credit report, appraisal, verification of your employment and assets, and so on. When the file is complete, but sometimes sooner, the lender "underwrites" the loan, which means deciding whether or not you are an acceptable risk.

What is a rate lock?

A rate lock is a contractual agreement between the lender and buyer. There are four components to a rate lock: loan program, interest rate, points, and the length of the lock.

What are points?

It is an upfront cash payment required by the lender as part of the charge for the loan, expressed as a percent of the loan amount; e.g., "2 points" means a charge equal to 2% of the loan balance.

When does it make sense to refinance?

Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savings Divide the total cost of the refinance (#1) by the monthly savings (#2). This is the "break even" time. If you own the house longer than this, you will save money by refinancing. Since refinancing is a complex topic, consult a mortgage professional.

More information can also be found on the FAQ page of our website.

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Cardenas and Company Real Estate

(37)

Housing Market
Team
Instrumental

“I have heard so many good things about Cardenas and Company Real Estate! And now I know why because they have been great to work with on an out of state deal.”

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Melina Rissone

(50)

Divorce
Home
Information

“Melina is hard worker who demonstrates consistent work ethics and communicates well. I have known her for a few years and highly recommend her services to home buyers and sellers in San Diego and surrounding areas.”

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Simone Real Estate Group

(50)

Investment
Team
Transactions

“I had an amazing experience working with Corey and Emily on the purchase of my home! They were professional, knowledgable, and made it easy to trust them at every turn. We were navigating a very difficult market and they helped us navigate it with ea...”

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Ron Burner and Amber Welch

(50)

Interest
Team
Community

“Jacquie helped us find the perfect home! She gave great advice on crafting the winning bid and was a super negotiator. She made us feel very well taken care of and I knew we were in good hands. I'd recommend her to everyone!”

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Sheiner Construction San Diego

(48)

Kitchen Remodel
Team
Communication

“We hired Idan and his team to completely remodel our newly purchased all-original house with a very tight timeline. I not only wanted the house completely redone in 8 weeks, but I wanted high quality work and design advice. Idan brought in a profes...”

Featured

Marble Countertops For Kitchen [Remodeling Guide]. Marble countertops embody the quintessence of luxury and elegance in home design, serving as a testament to timeless beauty and refined taste. This guide delves into the world of marble countertops, exploring the facets that make this natural stone a coveted choice for homeowners and designers alike. From its rich history, adorning the palaces and temples of ancient civilizations, to its modern-day applications in kitchens and bathrooms, marble offers both aesthetic allure and functional benefits. We’ll unravel the mysteries of cost, highlighting how factors such as material rarity and craftsmanship influence price, and navigate through the diverse array of materials available, each with unique veining and coloration that adds character to any space. Additionally, we’ll provide insights into the design versatility of marble, showcasing how it can be integrated into various home decor styles, and offer practical advice on maintenance to preserve its beauty for generations. Join us as we explore the elegance, history, design considerations, and more, behind marble countertops, offering you the knowledge to make informed decisions for your home. Read more about it in the article.

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San Diego Homes Realty

(48)

Escrow
Team
Job

“Mike is the best agent in San Diego he is the great man he complex my file with 30 days and we closed escrow fast and the process was so easy and smooth I would like to thank him a lot”

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Edna Mitchell Top San Diego Chula Vista Realtor

(49)

Meeting
Sell
Communication

“Edna was phenomenal. From the first day my wife and I met with Edna, we knew we were going to be taken care of. Edna performed at a level above and beyond. She showed remarkable professionalism while maintaining a genuine and charismatic business rel...”

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Addie's Real Estate

(48)

Negotiator
Home
Market

“I recently worked with Realtor, Addie Jacobs, on a duplex deal in San Diego, and it was a great experience. Her communication was impeccable, ensuring prompt responses and efficient handling of inspections and paperwork. From one Realtor to another.....”

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Jeff Rosa

(50)

Responsive
Sale
Buyers

“Jeff is a pleasure to work with, very knowledgeable, and an all round great guy. I'd highly recommend him to anyone looking for expertise in real estate!”

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The Greenhouse Group

(50)

Expertise
Team
Feel

“It took us over a year due to the market, outbidding and rising interest rates. The greenhouse group was always with us! When we eventually found a house, Craig got us the best deal! Highly recommend!”

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Lars Remodeling & Kitchen Design

(36)

Adu/ In-Law Suites, Design Build, New Homes

“Lars truly goes above and beyond for their clients. I attended one of their workshops and they really break down everything that goes into a project. SUPER informational. They will even come to your house for free and give you design ideas and estim...”

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Joe Omeara Exp Realty La Mesa

(22)

Home
Team
Questions

“Joe showed me a great listing, handled everything, great attention to detail, great recommendations and advice right through to the purchase and after. What a great resource. He's the best!”

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Jessica Mushovic San Diego Real Estate

(32)

Job
Home
Feel

“No review will give Jessica Mushovic the praise she deserves! We have worked with Jessica multiple times selling and purchasing homes. Jessica is a true professional and is ALWAYS on the ball. Her experience makes the most challenging situations a b...”

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Thomas J. Nelson

(37)

Heart
Selling
Property

“As a real estate professional in Northern California, I can assure anybody looking for real estate in the greater La Jolla area or San Diego County that Thomas Nelson is the man to hire! He is a published author, and host of a real estate pod cast t...”

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Anthony Magana Real Estate and Mortgage Services

(50)

Personality
Team
Understanding

“Anthony and Katrina were fantastic to work with and really put in the time! They made sure that I understood each step and were available/willing to answer any questions. They also helped me get a great rate and made sure no time was wasted. I defini...”

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Team Cairncross

(50)

Renovation
Patient
Inspections

“Steve and his team were very professional and responsive during the entire process of selling our property. They were proactive, methodical, and always on task.”

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Core Real Estate Services

(19)

Team
Buyers

“Core Real Estate Services continues to provide us with excellent representation. We rely on Eddie's good judgement and helpful manner to ease our real estate transactions.”

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Brandon Gates and Lindsey Gates

(28)

Buyer
Home
Bidding

“Lindsey & Brandon are the BEST! They are amazing San Diego real estate agents, honest, truth worthy, awesome character & truly care about their clients. They are also hilarious, and so much fun to work with! Positive Responsiveness, Quality, Professi...”

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Renovation Realty

(28)

Escrow
Home
Market

“ORGANIZED!!! TIMELY!!! AND KNOW HOW TO "CHECK AND BALANCE! Griffin is awesome. He was able to help me and get the job done. He was polite, responsive, and took my "ask" to the finish line. Highly recommend!”

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Julie Boyadjian

(38)

Bidding
Home
Insight

“As first time home sellers, the entire process was new. Julie was amazing, guiding us through everything. She connected us with competent resources for home improvements and inspection services, coordinated and staged all events, and provided great i...”

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Kim Realty Group

(24)

Calls
Home
Escrow

“Jeff Kim and Andrew his associate were amazing they were very patient with us always kept us updated and had a wealth of knowledge and insight to which places would be a good option for us. They really made sure that we found the home that we were ha...”

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JC Agajanian Real Estate Broker

(13)

Team
Communication
House

“I used JC both to buy a new house and sell my house. He was very helpful and responsive throughout the whole process. He has a good knowledge of houses and can work with vendors very well. We were very happy with our choice to use him.”

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Average Cost	$1292
Minimum cost	$216
Maximum cost	$3769
Avg Per Hour Rates	$103

Expert Home Stagers in National City, CA

The highest-rated Real Estate Staging companies out of 151 vetted & reviewed in the National City area.

Ryan Young Interiors

California Housing Administration

Cardenas and Company Real Estate

Melina Rissone

Simone Real Estate Group

Ron Burner and Amber Welch

Sheiner Construction San Diego

San Diego Homes Realty

Edna Mitchell Top San Diego Chula Vista Realtor

Addie's Real Estate

Jeff Rosa

The Greenhouse Group

Lars Remodeling & Kitchen Design

Joe Omeara Exp Realty La Mesa

Jessica Mushovic San Diego Real Estate

Thomas J. Nelson

Anthony Magana Real Estate and Mortgage Services

Team Cairncross

Core Real Estate Services

Brandon Gates and Lindsey Gates

Renovation Realty

Julie Boyadjian

Kim Realty Group

JC Agajanian Real Estate Broker

Home Staging Services in National City, CA Cost Estimates

Why these companies made our list

Home Stagers near National City

Popular in National City