Point Loma | Ocean Beach Open Houses - June 6 & 7, 2015

Point Loma | Ocean Beach 

Open Houses - June 6 & 7, 2015

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885 Rosecrans   5+/3.5   $3,320,000   Sun 1- 4

558 Catalina   3/2.5   $899,000-$949,000   Sat 11- 2

4672 Santa Monica   2/2.5   $799,000-$825,000   Sat 11- 2

3503 Larga Circle   3/2   $745,000   Sat & Sun 1- 4

2928 Talbot #1  2/2.5   $779,000   Sat & Sun 2- 4

1677 Chatsworth   3/2   $849,000-$875,000   Sat & Sun 2- 4

3054 Calypso Pl   3/2.5   $875,000-$930,000   Sat & Sun 1- 4:30

3517 Larga Circle   4/2   $729,000   Sat & Sun 1- 4:30

1220 Concord   3/2   $1,099,000-$1,199,000   Sun 1- 4

3460 Hill   3/2   $895,000-$929,000   Sat & Sun 1- 4

2902 Poinsettia   2/1   $649,000-$689,000   Sat & Sun 12- 3

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If you would like to arrange a private showing of any of these homes. 

Call or Text me at 619-322-8565

Tina Medina
"Your Smiling San Diego Realtor"

Pacific Real Estate Center

Realtor | CalBRE #01967279

medinarealestate@outlook.com

tinamedina.realtor

Point Loma | Ocean Beach 

Open Houses - Sunday, May 30th & 31, 2015

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885 Rosecrans   5+/3.5   $3,320,000   Sun 1-4

3644 Loma Way   3/2   $895,000   Sun 1-4

3755 Amaryllis   4/4   $1,695,000-$1,795,000   Sat & Sun 1-4

980 Gage   3/2.5   $1,299,000   Sun 2-4

1141 Savoy   5/5   $1,500,000   Sat & Sun 2-4

1677 Chatsworth   3/2   $849,000-$875,000   Sat 12- 4 & Sun 2-5

3054 Calypso Pl   3/2.5   $875,000-$930,000   Sat & Sun 1- 4:30

3517 Larga Circle   4/2   $729,000   Sat & Sun 1-4:30

2114 Ebers   3/2   $740,000-$765,000   Sat & Sun 12-3

1284 Devonshire   4/4   $1,590,000-$1,600,000   Sat & Sun 1-4

____________________________________________________________

If you would like to arrange a private showing of any of these homes. 

Call or Text me at 619-322-8565

Tina Medina

Pacific Real Estate Center

Realtor | CalBRE #01967279

medinarealestate@outlook.com

tinamedina.realtor

The new FICO Score Formula ... Will it help or hurt you?

The new FICO Score Formula ... Will it help or hurt you?

As a new California resident and Realtor in the Ocean Beach / Point Loma community I know it is a struggle for most hardworking people to achieve their dream of home ownership. While the economy may be looking like it's on the rise there are still everyday struggles that we all have to face. The high cost of living and low wadges makes it very hard to make ends meet and many American's find themselves still swimming in debt. If you have had a struggle in the past with your health and you now have a large debt on your credit due to medical bills the new FICO Score formula may be just what you needed. It could be the difference of renting to securing a home loan and achieving your dream of owning. I have done some research on the new FICO Score formula and here are a few Pros and Con's on the subject. I've also included links so that you can read more and get a better understanding on the changes, when they will be happening and how they will potentially change the way lenders look at your FICO score.

Pros
Medical Debts
Debts Paid in Collection

Cons
Unpaid Debts on your record not related to Health Care
Harder to get personal loans or credit cards
Rising interest rates

Changes will not happen right away they are scheduled to happen later in the year 2015, early year 2016. Lenders will also take their time when evaluating the new FICO score formula. After all it is their money they are lending out and they want to make sure they make the best decisions for themselves.

The new score formula which will roll out will be called FICO Score 9.
Follow the link below for more information.
FICO Score 9 Introduces Refined Analysis of Medical Collections

Under the new formula, it's said that the typical credit score of 711 should raise about 25 points for people with medical debts. Those people who carry no medical debts would see little to no changes in their FICO score.

So what I have learned? if you have had hardships in the past and you have Medical debt that is lingering on your credit than you may now be able to qualify for a home loan based on the new FICO score formula. While the debt will still remain and you will still have to pay the debt at least it may present an opportunity to for you to qualify for a home loan under these new guidelines.

For more information here are some other helpful links:
FICO Credit Score Changes, Will yours go up?
3 Myths and 3 Truths About FICO 9
FICO Recalibrates Its Credit Scores

As always if you need more information or if you have any questions I can put you in touch with my network of lending professionals who can give you more information on securing a home loan.

Tina Medina | Pacific Real Estate Center
Realtor | CalBRE #01967279
call/text 619-322-8565
medinarealestate@outlook.com

Are you pawing for a Realtor?

Call Tina Medina she is Meowvelous!!!

Let Tina Medina help you with all of your San Diego Real Estate Needs. Ocean Beach, Point Loma, Pacific Beach, La Jolla, Mission Valley, Clairemont and Downtown San Diego.

Helping families of all shapes, sizes and colors find the home of their dreams.
Helping home owners with the listing and marketing of their property for a successful sale.

Tina Medina | Realtor
Pacific Real Estate Center | CalBre # 01967279
call/text 619-322-8565
medinarealestate@outlook.com
TinaMedina.Realtor

What is your home worth? Free San Diego Home Value Report

Are you thinking about selling your home? 
Do you need more information on what your home is worth? 
Did you know that the average sale price in San Diego is around $573,000 with an Average Price/sqft of $351? 

Market information is important when it comes to the sale of your home. Let me help you with the listing and marketing of your property. Visit Home Value Report to get your complete and accurate Home Value Report for free. 

My name is Tina Medina and I am a Realtor in San Diego, California. I am happy to set up an appointment to discuss all of your San Diego Real Estate needs and give you a more in depth idea about what the market is doing in your area. Feel free to contact me today for more information.

Tina Medina | Pacific Real Estate Center

Realtor | CalBRE # 01967279

c 619-322-8565   |   t 619-851-8100

medinarealestate@outlook.com

tinamedina.realtor