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Home Buying

Why aren’t gift letters used more often?

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I think the main reason gift letters are not used more often is that the buyer feels uncomfortable approaching family members for a “handout”, and possibly the obligation that goes with it. However, although the donor must state that they don’t require payback, there is nothing anywhere that says that the gift CANNOT be paid […]

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Buy Sooner For Greater Wealth

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Another study, this one by the Urban Institute, shows the benefits of investing in a home and in fact, the earlier in life that your buy your first home, the wealthier you will be later in life. Through the mechanics of saving incorporated into your personal residence (using rent money to pay down your own […]

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When’s The Best Time To Buy?

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This is a question I see so often, with answers from “It’s always a good time to buy” to “Whenever you’re ready to buy”, but very little in the way of factual information. I’ve tracked housing inventory levels in San Diego for years, which indicate how active the market is and whether we’re in a […]

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Pacific Beach, San Diego Neighborhood Guide

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City of San Diego – Zip code 92109 Pacific Beach, “P.B.,” as it is known as by local residents,  is bounded by La Jolla to the north, Mission Beach and Mission Bay to the south, Interstate 5 to the east and the Pacific Ocean to the west.  A 3.2 mile boardwalk stretches through the western border and is adjacent to Crystal Pier, a T-shaped public […]

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