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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)

There has never been a better time to BUY CHULA VISTA HOMES! We handle the largest inventory of Bank Owned Foreclosures in San Diego County - Over 700 and counting. Take a look at our Featured Listings... Condo's from $49,000!

The key analysis tools on this website will allow you to search for Real Estate Owned (REO) properties throughout San Diego County! Are you wondering if you should buy now? Interest rates are in the 4% range, and home prices in Chula Vista have dropped 72% in some neighborhoods - what an amazing time to BUY A FORECLOSURE!

Some banks are offering incentives to purchase their Foreclosed Homes, and the Housing and Urban Development Agency (HUD), will let owner occupants purchase their homes with a $100 down-payment! Fannie Mae will let investors purchase any of their Foreclosed Homes (1-4 units) with only 10% down-payment, and NO PMI, and NO APPRAISAL, and 30-year Fixed Loans as low as owner occupant rates! Invest today in a cash-flowing home!

Click on the MLS button to see all of the homes that REALTORSŽ have access to in San Diego.

Better yet, we have access to HUNDREDS of homes that are not on the market yet; these homes have gone through foreclosure, and the banks that own them are preparing them for the MLS. Learn what properties are going to be available, before the competition - Give Us A Call Today! (800) 656-5334

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Self Employed >No Problem

There is no doubt about the fact that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications from buyers who are self-employed than from those who work for a regular salary.

If you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. Before you begin your search for a house, it is a good idea to meet with an agent of your choice who will be happy to accompany you as you meet with one or more loan officers. They will probably want to analyze your tax returns for the past 2 or 3 years. Because people who are self-employed can write off many expenses that salaried individuals cannot, it is possible that self-employed individuals may look impoverished on paper. Try to get pre-approval from the lender, and ask for a letter to that effect which the real estate agent can attach to any offer you submit on a home. This will make you look more attractive to the sellers.

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Q	What 45,000 sq.ft. home on 5-acres on Lake Washington is described as an 'adventurous house' by its owner?
A	The home of Microsoft's Bill Gates ($40+ million) has a wall of 24 video monitors featuring art and film and a 60-foot pool.
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Chulavista Real Estate Online

Kristian Peter
San Diego Realty, Inc.
275 Third Avenue
Chula Vista, CA. 91910
Office / Cell: 800-656-5334
Fax: 800-772-3914
sales@sdreos.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 150 homes and investments throughout the country.

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!

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