America's #1 Mortgage Broker

Mortgage and Lending - San Diego VA Home Loans/858-777-9751
America's #1 Mortgage Broker, Brian Brady. You'll never wonder where he stands when you read Brian Brady. He's not always right but he's always...OPINIONATED



HomeGain announces personal blogging network for real estate agents:Early this morning we launched a free consumer-facing blogging service for our hundreds of Source4Sellers customers.The free, bundled Agent Blogs form a part of the HomeGain Blog and are also accessible through HomeGain’s free in...
No real change in my posture.  I still believe that mortgage rates have room to go lower in the next 30-90 days but I'm advising clients who are closing in less than 17 days to lock. All others can float. Mortgage-backed securities traders have "baked in" a .25% rate cut from the Fed when they m...
If you're thinking of buying a home in California, you might not want to sink everything you have into the down payment.  In fact, it probably makes more sense to keep more money SEPARATE from the house equity, even if you have to pay private mortgage insurance or a higher interest rate.Banks are...
Many San Diego homeowners are facing the prospect of foreclosure.  That doesn't have to happen if you have plenty of equity in your home.  Rising food and fuel prices, combined with a tightening credit environment left San Diego homeowners with few options when trouble came knocking at their door...
I'm bullish, long-term, on coastal California real estate- that's no secret.  The underlying demographics are still positive for California; more people will be moving in than moving out, over the next 20 years.  Aging baby boomers yearn for warm climes in retirement.  While California has its sh...
Canadians are buying American real estate in droves.The rapid descent of the dollar against the loonie (Canadian dollar), combined with the drop in American real estate prices is bringing more and more Canadian investors across our northern border in search of investment riches.From the Globe and...
Canadian investors have been enjoying the parity between the loonie and the dollar.  I've written about how savvy Canadian investors are snapping up prime California real estate at a 30% discount from last year.  Essentially, the 20% drop in real estate prices, combined with the strong loonie, al...
Can a Canadian investor actually get a mortgage in America?  The answer is yes.  There are higher downpayment requirements and the documentation can be onerous.  For Canadians who wish to buy an investment property, the downpayment requirement is usually 35%.  Canadians who want a vacation home ...
Canadians are looking to buy American real estate.  The loonie is at parity with the dollar and American housing prices are down some 20% from 2005. That presents quite a bargain if a Canadian is looking for a vacation home in America.  We've talked to over ten Canadians in the past week; most ar...
Canadian investors have been flocking to the California coastline and Arizona desert to buy prime American real estate at a bargain.  The strong Canadian dollar, while inopportune for Canadian manufacturing firms, is giving Calgary investors built in downside protection when they buy American re...

Brian Brady

VA Home Loans/San Diego
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