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Mortgage Prequalification: Chula Vista, Otay Ranch and Eastlake California home buying, real estate listings, and homes for sale in San Diego County, CA

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Chula Vista, Otay Ranch and Eastlake REALTORŽ to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation...

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Tax Considerations >Tax Implications of Selling Your House

Most of my clients profit from selling their homes, and they often have questions about capital gains tax. When you sell your primary residence, you are not taxed on your profit if (1) you have lived in the home for two out of the last five years and (2) your gain does not exceed $250,000 as a single taxpayer or $500,000 as a married couple filing jointly. Gains above these limits are taxed at the current rate of 15% for higher income taxpayers and 5% for lower income taxpayers. In 2008 the 15% rate will continue for higher income taxpayers; while the 5% lower income rate will drop to 0% for the 2008 tax year only. On January 1, 2009, the long-term capital gains tax rates will once again be 15% and 5% through 2010. Homeowners can use this tax-free provision every two years. As set forth in the American Job Creation Act of 2004, properties converted from a 1031 exchange property into a primary residence must be held and used as a primary residence for at least five years to qualify for the tax exemption. Consult your tax accountant for more detailed information regarding your particular circumstance.

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Q	Fewer than 2 percent of homeowners build this type of home:
A	Fewer than 2 percent build a custom home; most buy an older home or select from a home builder's menu.
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Chulavista Real Estate Online

Kristian Peter, REALTORŽ, real estate agent and broker for Chula Vista, Otay Ranch and Eastlake California home listings, property and land for sale - NUMBER1EXPERT(tm)

Kristian Peter
San Diego Realty, Inc.
275 Third Avenue
Chula Vista, CA. 91910
Office / Cell: 800-656-5334
Fax: 800-772-3914
kpeter@sandiegorealtyinc.com
Having grown up in Chula Vista, California, and lived my entire life in San Diego, I have a thorough knowledge of the South Bay. I first started investing in real estate in 1993, and during that time I have acquired over 80 homes and investments in San Diego and Los Angeles.

Real estate has been a passion of mine, and in 2003, I founded my own company, San Diego Realty, Inc., where I could focus on what I do best -- using innovation and the Internet to achieve incredible results. Through the use of technology I set myself above and beyond the average real estate professional, and I put my clients at a huge advantage.

I enjoy all aspects of real estate, but most of all I enjoy meeting and creating relationships with my clients that last a lifetime!

www.ChulaVistaRealEstateOnline.com is brought to you by Kristian Peter
NUMBER1EXPERT™ in real estate for Chula Vista, Otay Ranch and Eastlake, California

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