• FUNday Monday Winner for September 2017 IS…..! The GreenHouse Group

    Oct 3, 17 • Boney • Our Team's CultureNo CommentsRead More »

    Want to participate in next month’s FUNday Monday Quiz?: http://bit.ly/FUNdayMonday FUNday Monday Winner for September 2017 IS…..! The GreenHouse Group AND THIS MONTH: invite a friend and your vote counts as 2 votes! Funday Monday is a monthly game put on by Jesse Ibanez from The GreenHouse Group in San Diego, CA. Real Estate Consultants & Mortgage Planners

  • [FOR SALE | SANTEE] 7373 Missions Trails Dr #119 Santee, CA

    Mission Trails TownHome (Nobody Above/Below) End Unit, Coveted Cul-De-Sac Location w/ Attached Garage!” WHAT WE LOVE: *Imagine living at the foot of San Diego’s most famed and coveted trailheads, but w/ your own private entrance to the best hiking, biking & fishing f/ your front porch. *Vaulted & pitched ceilings lend to big, open great room feeling from living, dining & oversized BR’s featuring HUGE closets. *Patio slider opens up to the best spot in the home: West-facing, sunset patio“*RARE*  

  • Lisa & Kathy, “The Experience Was The Best We’ve Ever Had Before!” | Sell 1st & Buy Testimonial

    Lisa & Kathy, “The Experience Was The Best We’ve Ever Had Before!” | Sell 1st & Buy Testimonial The GreenHouse Group And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to move up by selling your current home, and buying a new “RIGHT SIZED” home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Craig Sutliff as REALTORS, all from The GreenHouse Group in San Diego,

  • Mortgage Rates Return To 2017 Low

    Sep 11, 17 • Huggy • Home Buyers, Mortgage RatesNo CommentsRead More »

    by Francis Monfort | 28 Aug 2017 | Mortgage Professional America  Mortgage rates fell back during the week to their lowest level for the year, Bankrate.com said as it released its weekly national survey. The benchmark 30-year fixed mortgage rate was 4.02%, down from 4.05% last week and tying with the rate last seen June 14, which was the lowest rate since November 2016. The average rate had average discount and origination points of 0.31. The average rate for the larger jumbo 30-year fixed mortgage was 4.03%, while the average 15-year fixed mortgage rate fell to 3.23% from last week’s 3.27% average rate. The latter mortgage type had average points of 0.25. Average rates for adjustable-rate mortgages (ARM) rose this week. The 5-year ARM climbed to 3.50% from 3.49% a week ago and had 0.35 average discount and origination points. The 3-year ARM increased to 3.62% and the 7-year ARM climbed to 3.68%. Bankrate.com said the decrease follows a shift among investors to safe-haven government bonds given high valuations in the stock market. While markets have until recently ignored political and geopolitical issues, they are no longer immune to these developments, the company said. Following recent tensions with North Korea, markets have also been affected by Washington politics and the recent Barcelona terrorist attack. Previously, markets ignored these issues and moved higher given strong corporate earnings, improvements in the economy, and

  • [FOR SALE | CLAIREMONT, SD] 4335 Stacey Pl., San Diego, CA 92117

    Aug 29, 17 • Boney • Featured, Hot Picks "Beach Cities"No CommentsRead More »

    “RARE, HUGE Bay Park/Clairemont Family Home w/ Large Bonus Room & A Granny Flat!” WHAT WE LOVE: *Quiet, cul-de-sac home, perched atop Bay Park’s Coastal Mesa treating the senses w/ coastal breezes & sunsets f/ your west facing, 2nd floor master suite balcony *Expanding-angle lot w/ 2 driveways accommodating 6 off street spots (+carport) *Master suite features updated bath, engineered floors (& the coolest laundry hamper ever 😉 *Granny Flat is attached, offers separate entrance and its own kitchen & bath This very private, cul-de-sac street is flat and only has 10 other homes on it – which gives the neighborhood that Mid-Century, Rockwellian feel. *Newer roof (only 6 months old). *Two functional outbuildings in back yard convey – which could be used for storage, workshop, etc. *New interior paint throughout. *All windows (except patio slider in master suite) are dual pane. *Layout features a stepped-down den, adjacent to the kitchen & dining rooms *Large bonus room extends from den to the backyard, offers laundry room and its own half bath – perfect for guest quarters or oversized home office

  • Looming Threat Posed by Air Conditioning Units

    There is a significant, Looming Threat Posed by Air Conditioning Units to home buyers, home sellers and any homeowner that owns an older central A/C unit.  And this threat can mean a BIG hit to your pocketbook! For more information, please call or email me, I am happy to help: Craig Sutliff, Real Estate Consultant & Mortgage Planner The GreenHouse Group Cell: 619-857-4954 Email:  Craig@GreenMeansGrow.com BRE Lic# 01735288 NMLS ID

  • Phil & MacKenzie, “Its A Really Good, Clean, Super, Easy Experience!” | Testimonial of The GHG

    Phil & MacKenzie, “Its A Really Good, Clean, Super, Easy Experience!” | Testimonial of The GreenHouse Group in San Diego, CA http://www.TheGreenHouseGroupInc.com And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to own a home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Craig Sutliff as REALTORS, all from The GreenHouse Group in San Diego,

  • How to Beat the Jumbo Loan

    How to Beat the Jumbo Loan

    Why 2 loans can be better than 1: As housing prices continue to rise, so do loan amounts.  You may know that each county has something called a County Loan Limit (You can click here to see them).  But did you know once you go over those limits your loan is considered to be Non-Conforming, or “Jumbo”?  So what?  Well, once you’re in that category many things can change.  Here are just a few: Higher Credit requirements Larger down payment requirements Property restricitons Borrower restrictions Higher Rates So you can see that it would be valuable to avoid these issues.  Let’s talk about How to Beat the Jumbo Loan. One of the most effective ways to do this is with a 2-loan combo.  To do this, we do a first loan up to the highest amount possible, while maintaining the best parameters.  That might mean considering things like loan amount, Loan-To-Value ratio, etc.  Then we add a 2nd loan that makes up for the difference. For example: Purchase Price = 850k 1st loan of 600k 2nd loan of 165k This gives us the best rates and terms on the first loan, and as a bonus, allows us only 10% down payment!  Using this method could save you hundreds of dollars a month, and 10’s of thousands over the life of the loan. So why doesn’t everyone do this?  Good questions

  • Ryan, “Felt No Pressure .. And Always Helped Me Make The Right Choice” | Testimonial

    Ryan, “Felt No Pressure .. And Always Helped Me Make The Right Choice” | Testimonial The GreenHouse Group And THATS what we love to do: meet great people, and help co-create great things, and leave them better than how we found them. If you are wondering whether now is the right time to own a home of your own, and want to make sure that you get the right team to help you get there, perhaps this sounds like something you might want to talk to us about. If so, feel comfortable contacting us at 858-863-0261. This was done with the help of Jesse Ibanez, Craig Sutliff as REALTORS, all from The GreenHouse Group in San Diego,

  • Customer Experience vs. Customer Service In The Mortgage Industry

    Aug 14, 17 • Huggy • Home Buyers, Purchase Loan, RefinancingNo CommentsRead More »
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    by Craig Anderson | 03 Aug 2017 | Customer experience vs. customer service in the mortgage industry Customer experience is a term that shows up everywhere in today’s business marketing.  It’s a “must have,” “the single most important factor” and “if you don’t master it, you’re dead.”  Most experts agree, customer experience is the most important differentiator a company can possess to gain a competitive advantage. But, does anyone really even know the difference between customer experience and customer service?  As long as the customer is happy we should be good, right?  And, don’t most companies have a designated customer service department to handle their customer issues, complaints and general inquiries? Defining the differences Customer service can simply be defined as, “what’s my business doing to help solve my customers’ issues,” while customer experience can be defined as, “how is my customer feeling or what are they thinking every single time they interact with my business?” Now, let’s put these into perspective with the mortgage industry. Rocket Mortgage is often thought to be one of the first in the industry to implement a customer experience program. When they introduced their ‘push button mortgage’ concept, they focused on technology to simplify the mortgage application user experience. Instead of the applicant having to manually type in all of their employment and banking information, the system would retrieve the information and auto-fill the application form

The GreenHouse Group, Inc. | Real Estate Consulting & Mortgage Planning. "Moving People With Purpose."

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