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The Francis De Guzman Newsletter
Francis De Guzman REALTOR® (DRE License Number 01368177)
Cal State Realty Services
10251 Vista Sorrento Pkway #350
San Diego,  CA  92121
714.350.9015
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Obama's Loan Modification Plan
According to the CNN, receiving a loan modification is very difficult.
620 is the Magic Number
The Chicago Tribune provides helpful tips for a home loan.


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Francis De Guzman
REALTOR®
Cal State Realty Services
10251 Vista Sorrento Pkway #350
San Diego,  CA  92121
714.350.9015
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
Final walkthrough a buyer's best friend
Imagine this. You move into your new home for the first time after closing and, although you transferred the utilities into your name, the lights don't turn on. There isn't a single light bulb left in the house, the yard is overgrown, and the leaky faucets the sellers were to have fixed still leak. ...more
 
Five ways to cut heating costs
If you're thinking it's time to do something about your cold house and your high heating bills, here are five win-win suggestions that will help you do both. 1. REPLACE YOUR FURNACE FILTER A clogged filter makes your furnace work harder to deliver the same amount of heat, which wastes energy by keeping the furnace on for a longer period in order to bring the house up to the requested temperature. ...more
 
Dial down holiday excess
Fiscal, nutritional and environmental excess. Such is the dark side of the holiday season. But by adopting a greener approach to festivities, that gluttony can be pared back. Here are some strategies: Plant greetings -- Abandon snail-mail cards in favor of online greetings, which eliminate paper waste and requires no fuel for delivery. But if sending cards is something you still wish to do, opt for recycled paper and cards that get second lives in the garden. Some are infused with seeds, and recipients plant the cards and later watch flowers bloom. One source is Greenfield Paper at http://www.greenfieldpaper.com/asccustompages/categories.asp?categoryid=3. ...more
 
Don't skimp on title insurance
Most people are trying to cut costs these days. Some even wonder if it's necessary to pay for title insurance when they buy or sell a home. Skimping here could end up costing plenty if you discover a title defect after you own the property. ...more
 
Need fencing? Think vinyl
If you're exploring the different options for new or replacement fencing, one material to be sure to have on your list of possibilities is vinyl. Vinyl fencing manufacturers have made great strides in recent years, offering a tremendous array of sizes, styles and options to choose from. The overall quality is up; the prices have come down; and competition among the growing number of manufacturers makes it a good time to consider vinyl for your next fence project. ...more
 
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