Robison Home Loans

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!