Robison Home Loans

Realtors! Want to make sure that you'll get your professional goals by the end of the year? Next Level Partnerships has you covered! When it comes to the real estate industry, networking and developing great relationships with those you work with is crucial. However, these relationships can take time to develop. Want to join a partnership where your growth is the priority? Well, Next Level Partnerships is here for you! Next Level Partnerships is the partnership program we off...er for realtors. Next Level provides the resources necessary to help you grow as a realtor and make you reach your next level! By offering perks such as access to our SD Heroes Home Buying Program and FREE marketing on your listings/open houses, Next Level Partnerships is here for you. We are looking for realtors who are hungry, humble, and team players! Reach out to us today to learn more!

Let's create memories that will last a lifetime Creating memories is one thing, but creating them under a roof called home is another! From playing in the backyard pool to cozy movie nights, the memories made at home are truly memorable. At Robison Home Loans, we pride ourselves in helping our clients turn their home financing dreams into reality. If you are ready to create memories in your new home, feel free to give us a call! We will be there every step of the way and make sure that your dream turns into reality!

Is income really the biggest factor when it comes to getting approved? When it comes to real estate, a common myth is that income is the main factor that will determine what you can or can't afford. Income is looked at, but it isn't the main factor! Let's find what is looked at when it comes to getting approved. When it comes to getting approved, lenders look at more than just your income to determine what you can get. Factors such has credit score/history, work history, th...e loan you are applying for, and taxes are looked at to get a better picture of your financial status. If things are looking good for you, you can get approved for a higher loan amount. If things aren't looking too bright, your lender should explain what needs to be improved on and how it can be done! Although income is a factor, it isn't the deciding factor when it comes to getting approved! Have anymore questions regarding getting approved or the home buying process? Give us a call and we will be glad to help!

You might have seen the blueprints for your new construction home, but we have the blueprint to make you into the best homeowner! For any homebuyer, purchasing a new build/new construction home is both exciting and nerve-racking! Knowing that you have a house is one thing, but seeing it being built and wondering how everything will fall into place once its built is another. How does one prepare for the entire process of purchasing a new build? Well, we have a program for tha...t! New Build Solutions is a home program that focuses on those purchasing a new construction home. Due to the lack of help/guidance for this process, we are coming in to help! We provide perks such as credit towards your new home and home service connections to help you become the best homeowner you can be. Turn your new build into your dream home through New Build Solutions Reach out to learn more about this great program today!

Hey Realtors! Ready to grow? As a realtor, working with partners who will help you grow not only as a person but as a business is key! These partnerships might be hard to find, but we can help you grow through our partnership program! Agent Accelerator is a realtor-exclusive program here at Robison Home Loans. Agent Accelerator's main focus is to accelerate a realtor's growth within the real estate industry. How is this done? We have several perks that make this possible!... Our program offers access to SD Heroes Home Buying Program (our special home buying program for public workers), Advanced Lead Follow-Up, and FREE Marketing on your listings and open houses. With these perks, you will be reaching new heights. We are looking for realtors who are hungry, humble, and team players! If that's you, reach out to us today!

We are over a week into 2021...what should we expect from the housing market? 2021 has ushered in new rules when it comes to real estate. The biggest change that occurred as we rang in the new year was the increase of loan limits! Here in San Diego County, you can now go to $548,250 for a conforming loan & $753,250 for a high-balance loan. With the changes in loan limits, Ronnie predicts that 2021 will follow a similar pattern from last year Check out the entire vide...o to discover our 2021 San Diego County Housing Predictions. Do you think the increase of loan limits will impact housing in 2021? Let us know in the comments! See more

Hello 2021! We are now in our second full week of the year and we are ready to share some predictions we have for 2021. A new year is here and we are looking forward to what 2021 has in store. 2020 was an extremely busy year for the real estate market, but what should we expect in 2021? Since 2020 was an impactful year for the industry, a lot of what occurred last year will continue. Ranging from the rise of a competitive market to an influx of people moving, we believe these predictions will show a better picture of what 2021 has in store!

Trying to learn everything about purchasing a home can leave your head spinning with confusion. We can help with that! Navigating through the real estate industry is no easy feat. With new vocabulary to learn, figuring out what documentation is needed, and finding a house, being overwhelmed is an understatement However, we are here to help you throughout your journey! We pride ourselves on educating people when it comes to purchasing a home. Ranging from answering a simpl...e question to breaking down the entire process for you, we got you covered! Remove the stress and give us a call! We are here to answer any of your questions!

To our valuable healthcare workers across San Diego County, we thank you for being a hero! We know how tough the past year has been. Despite these obstacles, you continue to fight for the well-being of our county. For that, we thank you! For your heroic actions, we want to give back to you! How will we give back? Well, we can help you save $2,000 on the purchase of your new home!... Through SD Heroes Home Buying Program, we help local heroes like healthcare workers save big on the purchase of a home. We cover several closing costs, giving you more money in your wallet! To all healthcare workers in San Diego County, you are heroes! If you are ready to claim your savings through SD Heroes, reach out to us!

Ever wondered what certain mortgage terms mean? "Loan Lingo" is here to help! For this "Loan Lingo," we are learning all about Fixed Rate Mortgages! Fixed Rate Mortgages are home loans that will have the same rate throughout the term of the loan. If you get a 20 year fixed rate mortgage at 2.5%, that means you will have the 2.5% for the 20 years of the loan! Fixed Rate Mortgages are popular because the rate stays the same. Even if market conditions drastically change, that ra...te will not change. Many borrowers prefer fixed rate mortgages due to knowing that their payment will consistently be the same. We hope you got a good summary of Fixed Rate Mortgages! If you have any questions regarding other loan terms, reach out to us!

Having a satisfied client is our motivation! Thank you Jaime for the kind words! Despite working around obstacles due to COVID-19, we made it work and you got to refinance! Seeing our clients achieve their home financing goals is our motivation here! If you are ready to start your home financing journey, we are always here for you!

New Year, New Resolutions! Now that 2021 is here, we are here to help you with any home financing goals you want to achieve! A new year is upon us and we all have specific goals we want to hit. If your goals consist of either becoming an owner of a property or refinancing, come to us! Ranging from answering your questions to helping you get that dream home, we will be there every step of the way! Seeing our clients win at the home buying process is all we want to see!... Let's make that resolution a reality! Give us a call to get started!

You found the perfect property during your house hunting search! This property is everything and you can't wait to make it yours. However, you weren't pre-approved and you have to wait a bit longer to get that approval letter. By the time you get the letter, you find out your dream property got multiple offers and is now off the market This is one horror story you don't want to experience in real life! Getting pre-approved is something we always highlight here at Robison Ho...me Loans! The pre-approval process should be the first step you do during the home buying process. Getting pre-approved provides a budget that narrows and focuses your house hunting journey. From there, putting in an offer is made easier since you have your approval letter ready! Don't turn your house hunting journey into a horror film! Get pre-approved to make your home buying experience as smooth as possible.

Refinancing is tempting due to current rates, but one should consider this before diving into it! The temptation of seeing low rates on the market is causing homeowners to consider refinancing their property. Despite the real estate market heavily advertising record low rates, homeowners should ask themselves this question: "Does this refinance make sense?"... Refinancing should be putting the homeowner in a better situation that benefits them in the long run! Ronnie goes into detail about how we help our clients decide if refinancing is the right financial decision to do. From home purchases to refinances, we got you covered. Reach out to us if you want to learn more about current rates or to get started on your home financing journey!

Every business likes to uphold several key traits that they hope to provide to their clients. Our 3 keys is what helps us stand out from the rest. Education, Communication, and Value are our 3 keys here at Robison Home Loans. Education: We provide our clients with the tools and information to help them make the best financial decision. We also value teaching our clients about the home buying process through our social media posts, videos, and website.... Communication: From our weekly check-in calls to being available for any questions that they have, we make sure our clients know what is happening with their loan every single step of the way. Value: We value our clients and provide them with an experience that they will remember. Purchasing a home or refinancing is a huge financial decision, so providing them with a valuable experience is what we strive for. We are here for you and your home financing needs. Reach out to us to get started or learn more!

When a client is in a crisis, we are on the way to help! Preparing your credit for the home buying process can be overwhelming and stressful! Without any sort of guidance or road map, one can be left confused and frustrated. At Robison Home Loans, we make sure to assist those who need help with anything credit related! Ranging from our educational posts to planning out your credit road map, we are here for you!... Want to learn more about credit? Want to get started on the the home buying process? Feel free to reach out and to us!

Heroes aren't just a part of multi-billion movie franchises, they are around us! Thankfully, San Diego has them across the whole county! SD Heroes Home Buying Program has helped these local heroes save money on the home buying process. By covering several costs during the home purchase, we make sure these heroes save cash for everything they have done for our communities. Through SD Heroes, we help heroes such as educators and law enforcement save $2,000 on the home buying ...process! Ready to save $$$ on your home purchase? Reach out to us to learn more about SD Heroes Home Buying Program!

Getting your documents filled out is crucial for either a home purchase or refinance! With so many documents, to sign/turn in, it can get confusing on knowing what each document is for. For this Loan Lingo, we are discussing an important document: the Verification of Employment (VOE)! This document is signed by the borrower's employer verifying their position and salary. Having the Verification of Employment is important for all parties involved. This document ensures that ...creditworthy borrowers are approved. Also, it makes sure borrowers are ACTUALLY employed (no lying) and STAY employed during the entire process. VOE is a key part of the mortgage process and determines if one can qualify for a mortgage!

Before making the big decision on purchasing a home, ask yourself these 2 important questions! Major financial decisions are always nerve-racking! Purchasing a home is no different. Before diving into the home buying process, ask yourself the following questions: What purchase price fits my budget?... What do I qualify for? These 2 key questions help you and the parties involved get a better picture of what you are looking for during the process. We ask our clients these questions during our Initial Consultation process. Understanding what our clients want helps us generate numbers and programs that they can qualify for! Want to learn more about the home buying process? Make sure to reach out to us for more information!

You've been thinking about refinancing your property, but need that extra push to start. With rates still at record lows, now is the time to refinance! 2020 has been a wild year for the real estate market. Despite everything that has occurred, rates are still low and houses are flying off the market (with multiple offers)! We are here for you and your refinance needs! Call us to learn more about current rates and how a refinance can help you financially.

Now that Halloween season is in full swing, spooks and scares are around us! However, should one be afraid of starting the home buying process? The home buying process can be extremely intimidating (and frightening) for anyone! From searching for that perfect home to making sure all documents are turned in on time, it can definitely make one frustrated (and scream). We are here to make sure the home buying process isn't filled with tricks! By providing our clients with bo...th communication and education, we provide our clients with memorable and smooth experiences. You shouldn't feel afraid or stressed! Know that we are here to help! Feel free to contact us and we will help you with anything regarding the home buying process.

Through SD Heroes, we are saving local heroes $2,000 on the purchase of a home! SD Heroes Home Buying Program is a program only offered here at Robison Home Loans. This program was created to give back to our local heroes across the county who positively impact our communities. Ranging from law enforcement to healthcare workers, we are here to give back to you. SD Heroes covers several costs that total up to $2,000! That means you get to save $$$ and move into your new hom...e! Want to learn more about SD Heroes? Reach out to us!

Loan Lingo is back with a new look! Let's take a closer look and learn about Equity! Equity is the value of a homeowner's unencumbered interest rate. In simple terms, its the home value that that the homeowner actually owns. Equity is calculated by using this equation: taking the final sale price of the home and subtracting the amount the owner still owes on the mortgage loan. The more you continue you pay off your mortgage loan=the more equity you own! If the house price ...continues to stay consistent or goes up in the market, you will get more equity. Equity can't always be made back. If the market value drops, you could lose equity! Equity is something that can benefit a homeowner, but one has to be aware of the market and on top of their mortgage payments. If you have anymore questions regarding equity, feel free to reach out to us!

Other services promise anything you want with just a click of a button...if only life were that simple. Getting a mortgage should be more than clicking a button and expecting everything to be magically done. Education, communication, and value should be respected during this important financial decision. At Robison Home Loans, our mission is to provide clarity, direction, and peace to people's dreams. Reach out to us today to get started on your home buying journey.

Another quarter as gone by and we are excited to show you how it went! Q3 felt like a month to us at Robison Home Loans. We were so busy with helping our clients that we lost track of time! Once October came, we were both shocked and surprised on how fast the last quarter went by. During the last quarter, we managed to close 53 loans! It's crazy to believe that we were able to help so many people in such a short amount of time! From those 53 loans, 9 were home purchases an...d 44 were refinances! To all the clients we helped in Q3, we are grateful that we were able to assist you! Now it's time to finish the year on a good note with Q4!