KEN-TAL NEWS
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good loan officer is pretty easy to find. An extraordinary one is few and far between – and that’s the person you need behind your loan these days. Many people looking to buy or refinance their homes often think that it should just come down the interest rate. I agree the rate is a pretty important component to the overall loan process. After all, the interest rate will determine what you ACTUALLY pay on the house over the years (which
Vol. 24 No. 12 Holiday Issue 2016
is why it is a great idea to buy while money is still inexpensive to borrow), but that’s not the only thing to look for in a loan officer’s tool belt. When “shopping� for your loan officer, a few things to keep in mind, once you have narrowed it down to a select few with competitive interest rates: a) compare rates and fees – make sure you are comparing apples to apples. Some lenders will charge more to do the loan. Some will have very low rates and/or fees, but will be more restrictive than others – either with a property qualifying or with you. If you don’t fit in to the typical w-2 worker box, better to look at all options and keep an open mind. b) Make sure the loan officer you decide to work with is available by cell phone and can take calls over the weekend. If you are purchasing a home, the timer does not stop ticking on weekend days and often there are items which need to be discussed in preparation for the following week. Responsiveness and access are extremely important. c) When you select your loan officer, get a full pre approval with current credit report before you write an offer. The biggest mistake I have had to work with is not allowing the loan officer to pull your credit when you are ready to commit. Initially, when interviewing a loan officer,
I always suggest to pull your own credit on one of those free sites (I use freecreditreport.com) so that you can give the loan officer an idea of what your credit score is. This will help him/her determine the rates you would have access to. That said, there are items that show up on a full blown credit report that the loan officer will pull that don’t show up on the one you pull. It’s a sad day when you get the accepted offer on a home only to find out you can’t get the loan because there is an issue you were not aware of that doesn’t get discovered until you open escrow. Don’t let this happen to you. d) Use a referral – use the experience of your friends. You never know what a transaction will be like until you go through it with that loan officer. They may seem great at first, but you don’t typically usually know what to look for and sometimes it’s too late when you realize there are some qualities lacking (organization, communication, experience, knowledge, to name a few). Go with a trusted source from a friend and family member who raves about the service, thoroughness, and ease of the transaction. I have experience with many wonderful loan officers here in San Diego. If you need any referrals, whether for a refinance or a purchase, please don’t hesitate contacting me .
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eet your neighbors Nancy & Michael Flint of Talmadge! Do they look familiar? Nancy is the owner of Sugar Mamma Caramels. Perhaps you have tried her hand crafted, all natural, small batch caramels that come in 12 different flavors? Or maybe you have enjoyed one of her sauces that she makes for our local ice cream shops has such as the sea salt caramel, one of my personal favorites! Nancy has a Certified Food Operation Kitchen that she operates out of her home and every one of her products are hand created. Clearly a labor of love, her motto is “Give love, add a little sugar!� Michael is Dr. Michael Flint of Flint Chiropractic located at 3787 Meade Ave. at the corner of Meade and 36th St. about a mile west of Talmadge in Normal Heights. Dr. Flint has a Bachelor's Degrees in Chemistry, Biology and Physical Education, a Master's in Exercise Physiology, and a Doctorate in Chiropractic. Dr. Flint has 25 years of experience and training in eight different adjustive techniques to provide relief from a variety of painful conditions such as headaches, neck & back pain, sciatica and a myriad of other musculoskeletal complaints. His knowledge combined with exercise programs provides
support to the treatment there is less likelihood that the conditions will keep coming back. His philosophy is to apply, “the least amount of force to affect the greatest degree of correction.� I speak from first-hand experience, he is truly one of the best at what he does! The Flints have lived in Talmadge since 1993 and in North Hollywood before that. Wanting to live close to their place of business, they were introduced to Talmadge by inlaws. They both love the charming unique homes, central location and friendly neighbors in Talmadge. Nancy and Michael have two grown daughters, Meagan and Emma that attended Hardy Elementary and had a “perfect� experience there. Nancy homes schooled both girls through middle school and after, Megan graduated from Patrick Henry High School and Emma from Foothills Christian. Both Michael and Nancy are Eucharistic Ministers at Blessed Sacrament Catholic Church and Nancy donates a portion of her Talmadge Food Truck Nights proceeds back to support the annual Talmadge Block Party. In their free time, they both attend theater productions that their daughter, Meagan performs in, enjoy walks in the neighborhood, eating and drinking in our local Talmadge/Kensington restaurants and currently Michael is working toward a Black Belt in Karate! If you are interested in ordering some of Nancy’s delectable caramels go to www.SugarMammaCaramels.com or she can be reached at sugarmamma62@gmail.com or (619) 301-9956. Dr. Michael Flint’s Chiropractic office is located at 3587 Meade Ave. in Normal Heights. Dr. Flint can be reached at (619) 283-5963. The Flint’s are an excellent example of the wonderful people that live here in our neighborhood. Not only do they live in our wonderful community, both their businesses are based here as well! If you see them out and about, be sure to say Hi!
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on-perishable goods can be dropped off at the Talmadge Traffic Circle at 49th and Adams from 11-1pm on Saturdays until December 19th. All goods collected will go to the KROC Center and the Salvation Army. A big THANK YOU to the volunteers that took time out of their busy schedules to collect the
donations. Our community always comes through‌Thank you!