Gary Kent Real Estate

  • Contact Us
  • 858-457-5368
  • Search Homes
  • Communities
    • Central San Diego County
      • City Heights
      • College Grove
      • Del Cerro
      • Downtown
      • Encanto
      • Golden Hill
      • Hillcrest
      • Kensington
      • Linda Vista
      • Logan Heights
      • Mission Hills
      • Mission Valley
      • Normal Heights
      • North Park
      • Old Town
      • San Carlos
      • Serra Mesa
      • Tierrasanta
      • University Heights
    • San Diego Coastal
      • Bay Ho
      • Bay Park
      • Clairemont
      • Coronado
      • La Jolla
        • Beach-Barber Tract
        • Bird Rock
        • Country Club
        • Hidden Valley
        • La Jolla Alta
        • La Jolla Farms
        • La Jolla Heights
        • La Jolla Mesa
        • La Jolla Shores
        • La Jolla Village
        • Lower Hermosa
        • Muirlands
        • Muirlands West
        • Soledad Mountain
        • UCSD
        • Upper Hermosa
        • Village of La Jolla
      • Mission Beach
      • Ocean Beach
      • Pacific Beach
        • Pacifica
      • Point Loma
      • Sorrento Valley
      • University City
    • North County Coastal
      • Cardiff by the Sea
      • Carlsbad
      • Carmel Valley
      • Del Mar
      • Encinitas
      • Oceanside
      • Rancho Santa Fe
      • Solana Beach
    • North County Inland
      • Bonsall
      • Carmel Mountain
      • Escondido
      • Fallbrook
      • Mira Mesa
      • Poway
      • Ramona
      • Rancho Bernardo
      • Rancho Penasquitos
      • San Marcos
      • Scripps Ranch
      • Valley Center
      • Vista
    • East San Diego County
      • El Cajon
      • Lakeside
      • La Mesa
      • Santee
      • Spring Valley
    • South San Diego County
      • Bonita
      • Chula Vista
      • Imperial Beach
      • National City
      • Otay Mesa
      • Paradise Hills
      • San Ysidro
  • Selling
  • Buying
  • Investing
  • Seminars
    • Past Seminars
  • Blog
    • Home Buying
    • Home Financing
    • Home Selling
    • Q&A – Home Buying Questions
    • Q&A – Home Financing Questions
    • Q&A – Home Investing Questions
    • Q&A – Home Selling Questions
    • Real Estate Videos
      • Home Seller Mistake Videos
      • Pricing Blunder Videos
      • Selling Your Home Videos
  • About
  • Contact
SEARCHHOMES

Pre-qualifying, Pre-approval, and REAL Pre-approval

Wednesday, 14 November 2012 by Gary Kent
Question: “I just talked to a lender for about 10 minutes and I got pre-approved for a $550,000. That seemed a little too fast. I thought getting a loan was a little more complicated. Do you think I’m really approved? Answer: No, I don’t. You’re right to be dubious. There’s pre-qualifying, there’s pre-approval, and there’s
ask gary kentsan diego home financing
Read more
  • Published in Q&A - Home Financing Questions
No Comments

Must You Be a First-time Buyer to Get an FHA Loan?

Wednesday, 07 November 2012 by Gary Kent
Question: “Do you have to be a first-time homebuyer to get an FHA loan?” Answer: No. There’s no requirement whatsoever to be a first-time buyer if you’re getting an FHA loan.
ask gary kentFHA loanssan diego home financing
Read more
  • Published in Q&A - Home Financing Questions
No Comments

Why You Pay More Interest Than Principal on Your Mortgage

Wednesday, 17 October 2012 by Gary Kent
Question: “Hi Gary, Thank you for your email. Question: Why do we pay more towards our interest than principal in our monthly mortgage payments for the first several years? Shouldn’t your payments spread evenly between interest and principal so that you can pay down your principal quicker?” Answer: Thanks for the question. A banker may
ask gary kenthome loanmortgagesan diego home financing
Read more
  • Published in Q&A - Home Financing Questions
No Comments

Is It Hard to Get a Loan for a San Diego Home?

Wednesday, 26 September 2012 by Gary Kent
Question: “I’ve heard that banks aren’t lending. Is it still hard to get a home loan?” Answer: Short question, long answer… Banks lost billions of dollars in the foreclosure crisis. They’re under the microscope by the press, political groups, and politicians for any possible misdeed or mistake, big or small, accidental or intentional. And regulations
ask gary kenthome loanreal estate market trendssan diego home financing
Read more
  • Published in Q&A - Home Financing Questions
No Comments

Never Use a Lender Who’s Also an Agent

Wednesday, 29 August 2012 by Gary Kent
“I just went to your San Diego investing seminar and heard you say never to use a lender who’s also an agent. Sadly, I heard this too late. I bought my San Diego home in 2009 and my (ex) agent did my loan. It was a nightmare. It took almost three months to close and
ask gary kentreal estate agentssan diegosan diego home buyingsan diego home financingsan diego home sellingsan diego real estate
Read more
  • Published in Home Buying, Home Financing, Real Estate Investment, Real Estate Resources, San Diego
No Comments

Home Equity Line vs. Equity Loan vs. HELOC

Saturday, 02 June 2012 by Gary Kent
San Diego Realtor Gary Kent describes the differences between Home Equity Line vs. Equity Loan vs. HELOC.
ask gary kentequity loanhome equityreal estate financesan diegosan diego home financingsan diego real estate
Read more
  • Published in FAQs, Home Financing, San Diego
No Comments

Top 3 Tips to Increase Your Credit Score

Monday, 21 May 2012 by Gary Kent
“My wife and I want to buy a home in Clairemont or TierraSanta in the next year or two, but my credit score is below 600. Do you know how to increase it?” Answer: I’m not a credit expert, but “Mr. Credit” Derrick Evens recently stated his Top 3 Credit Tips. This is from a
ask gary kentcredit advicecredit scoresan diegosan diego home buyingsan diego home financingsan diego real estate
Read more
  • Published in Home Buying, Home Financing, Real Estate Tips
No Comments

Switching Banks When Mortgage Shopping

Thursday, 03 May 2012 by Gary Kent
“I’m looking for a San Diego home and shopping around for a mortgage. Once my offer is accepted, is there any rule that prevents me from switching banks if I find a better deal with another bank?” Answer: Probably not, but it depends on your contract. However, some warnings: – You don’t always get the
ask gary kentmortgagereal estate financesan diegosan diego home financingsan diego real estate
Read more
  • Published in Home Financing, Real Estate Tips, San Diego
No Comments

How Loan Brokers Can Mislead Clients

Tuesday, 06 March 2012 by Gary Kent
“We’re trying for a loan modification, but may consider a short sale if that doesn’t work. We were really misled about how our loan could change and reset. What is the responsibility of loan brokers and/or banks who lied to their clients about the type of loan they were getting?” Answer: Unfortunately the loan brokers
ask gary kentreal estate financesan diegosan diego home financingsan diego real estate
Read more
  • Published in FAQs, Home Financing
No Comments

Is APR the Best Way to Shop for a Loan?

Saturday, 10 December 2011 by Gary Kent
“Is APR the best way to shop for a loan?” Answer: From my preferred lender, Robert Geiler of Rancho Financial: “The APR was developed to show borrowers the true cost of getting a loan as an interest-rate rather than a dollar amount. It was supposed to make it easier for to compare rates because, theoretically,
APRask gary kentreal estate financereal estate loansan diegosan diego home financingsan diego real estate
Read more
  • Published in Home Financing, Real Estate Resources
No Comments
  • 7
  • 8
  • 9
  • 10

Search Our Site

Real Estate Resources

Buyers Button
Sellers Button
Investors Button

Real Estate Videos

  • Real Estate Videos
  • Home Seller Mistake Videos
  • Pricing Blunder Videos
  • Selling Your Home Videos

Helpful Real Estate Articles

  • Crazy Buildings
  • Credit Score
  • FAQs
  • Home Buying
  • Home Financing
  • Home Selling
  • Q&A – Home Buying Questions
  • Q&A – Home Financing Questions
  • Q&A – Home Investing Questions
  • Q&A – Home Selling Questions
  • Real Estate Investment
  • Real Estate Resources
  • Real Estate Tips
  • Real Estate Videos
    • Home Seller Mistake Videos
    • Market Update
    • Open Houses
    • Pricing Blunder Videos
    • Selling Your Home Videos
    • Story Time With Gary
  • San Diego
  • San Diego Activities
  • Short Sale
  • Uncategorized

Recent Blog Posts

  • How To Find The Right Realtor To Sell Your Home

    How To Find The Right Realtor To Sell Your Home

    Do you know, the number one error that home sel...
  • about those "I want to buy your home" letter gary kent realtor san diego

    About Those “I Want To Buy Your Home” Letters

    I don’t want to burst anyone’s bubb...
  • save taxes webinar thank you gary kent realtor san diego

    Thank You!

    Click here to download the guide Ken Rowles&#x6...
  • story time with Gary Kent, San Diego Realtor

    Story Time with Gary

    Funny, zany, shocking, R-rated, true stories! I...
  • Has COVID-19 Raised Your Property Value?

    How has COVID-19 affected the value of your dup...

Featured Communities

  • La Jolla Homes for Sale
  • Pacific Beach Homes for Sale
  • Clairemont Homes for Sale
  • Carmel Valley Homes for Sale
  • Downtown San Diego Homes for Sale
  • University City Homes for Sale
  • Rancho Penasquitos Homes for Sale
  • Mission Hills Homes for Sale
  • Carlsbad Homes for Sale
  • Del Mar Homes for Sale

Gary Kent Team Real Estate

This site is backed by real estate professionals who strive to make your home sales process as effortless as possible. Please feel free to browse and contact us with any questions.

Tel: 858-457-5368 (KENT)
Email: team@garykent.com

Keller Williams Realty La Jolla
8813 Villa La Jolla Dr.
Suite 2001
La Jolla, CA 92037
Contact Us

CA BRE #01932411

  • GET SOCIAL
Gary Kent Real Estate

Copyright • San Diego Web Design by MITO Studios

TOP