Vernice Armour (born 1973) is a former Captain in the United States Marine Corps who was the first African-American female naval aviator in the Marine Corps and America's first African American female combat pilot in the United States military.  She flew the AH-1W SuperCobra attack helicopter in the 2003 invasion of Iraq and eventually served two tours in support of Operation Iraqi Freedom.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair 2012 to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

If you don’t mind, may we please introduce the personal side of us as well?  Meet your team…..

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others.” Sherice attends the well known “Rock” church which continues to reinforce this message.

Click Here For Instant Access To Your Realtors.

Click Here For Your New Home Loan

Animals

A county fair without animals just wouldn't be the same. You can see animals on display, farm equipment, animal shows and of course, the ever-popular Junior Livestock Auction, where San Diego County's young people auction the animals they have hand-raised during the past year.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair 2012 to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

Click Here For Instant Access To Your Realtors.

Click Here For Your New Home Loan

Animals

A county fair without animals just wouldn't be the same. You can see animals on display, farm equipment, animal shows and of course, the ever-popular Junior Livestock Auction, where San Diego County's young people auction the animals they have hand-raised during the past year.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair 2012 to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

Click Here For Instant Access To Your Realtors.

Click Here For Your New Home Loan

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

If you don’t mind, may we please introduce the personal side of us as well? Meet your team…..

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide! Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter. She loves fine dining or a simple barbeques. If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few. She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors. Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old. She became a real estate teacher, mentor, and manager for Century 21 at the age of 21. Linda found these demanding positions important to enhance the quality of the real estate profession. However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care.

Linda enjoys spending most of her free time working out in the gym or supporting different charities. Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops. One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire. She was able to get food and medicine to the horses, it took months but they recovered. When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work. They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career. They both were honored by the United State of American Armed Forces for their support. Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq. It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others.” Sherice attends the well known “Rock” church which continues to reinforce this message.

Click Here To Meet Linda and Terri Century 21 Award

Click Here To Obtain a VA, FHA, First Time Buyer Loan or Conv

Respondents from a Fannie Mae National Housing Survey for January 2012 expressed expectations for home prices to increase by 1 percent over the next 12 months including homes in San Diego County and most Americans continue to expect no change in mortgage rates.

This marks the fourth month in a row consumer expectation was positive.

“The Federal Reserve’s pledge to keep interest rates low beyond 2014, extending their prior time frame of mid-2013 announced in the summer, appears to have been reflected in the rising share of consumers expecting the rate to remain near record low levels for another year,” said Doug Duncan, VP and chief economist for Fannie Mae.

“At the same time, consumers expect home prices to rise over the next year including San Diego properties, extending the streak of rising home price expectations to four months. If the employment market continues to strengthen, it is unlikely that the Fed will be able to keep its low interest pledge for long, and a more meaningful housing recovery may not be far behind if consumers are faced with the prospect of rising mortgage rates and home prices amid increased job security,” said Duncan.

The Fannie Mae survey polled 1,000 Americans through a telephone interview to assess attitudes towards different areas of the mortgage industry, including owning and renting, rates, homeownership distress, and the economy.

Homeowners and renters interviewed were asked more than 100 questions to track attitudinal shifts, and the survey was conducted between January 9 and January 27, 2012.

Survey Highlights

*The percentage of respondents who said the economy is on the right track was at 30 percent, an 8 percent increase since last November. The percentage who said the economy is on the wrong track was at 63 percent, a 6 point decrease since last November.

*While 51 percent of respondents expect home prices to stay the same, 28 percent said they expect prices to rise, which is a 2 point increase since last month. Sixteen percent said they expect prices to decline.

*Forty-four percent of respondents said their personal financial situation will get better over the next 12 months, as opposed to the 41 percent who said it will stay the same.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair 2012 to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

Contact Your Realtors, Linda and Terri

Contact Our Lender, Sherice

While the $25 billion settlement between five of the nation’s largest servicers and 49 of the state attorneys general awaits approval from a judge, there is some relief in the industry that the 16 months of investigation and negotiation has come to a close.

“The best thing about the mortgage settlement is that it’s done,” said Stan Humphries, Zillow’s chief economist on the company’s website.

“The agreement brings closure to these issues and enables the company to move forward in our ongoing efforts to help borrowers including San Diego County find affordable and sustainable payment relief whenever possible,” Ally stated Thursday afternoon.

However, while federal and state officials are congratulating themselves, the settlement’s impact on the broader market including San Diego County remains questionable. “It will be a good thing for many individuals,” Humphries admits, but “as far as helping the housing market as a whole, it’s a drop in the bucket.”

Nonetheless, Mike Heid, president of Wells Fargo Home Mortgage suggests the settlement will have some positive impact. “Today’s agreement represents a very important step toward restoring confidence in mortgage servicing and stability in the housing market,” he stated Thursday after the settlement announcement.

Wells Fargo has agreed to pay $1.01 billion to the government and $4.34 billion in borrower relief.

The bank stated Thursday that it will begin an expanded refinance program and borrower relief program at the start of March including San Diego County.

JPMorgan Chase will pay $1.08 billion to the government and has designated $4.21 billion in borrower aid.

In a brief statement responding to the settlement, a JPMorgan Chase spokesperson said Thursday, “We have worked very hard with the Federal Government and State Attorneys General over the past year to address a variety of challenging and complex issues to reach this settlement.”

“The settlement includes far reaching relief that will help many of our customers and complement our already extensive efforts to improve our borrower assistance efforts and servicing processes,” the spokesperson continued.

Citigroup will pay $4.15 million to the government and $1.79 billion in borrower aid.

“The monetary component of Citi’s portion of the settlement amount is to be paid in three parts: a payment in cash upon final settlement; customer relief payments; and refinancing concessions, for a total value of approximately $2.2 billion,” Citigroup stated Thursday.

Answering any concerns from investors, the bank also stated that it anticipates it has enough in reserves to cover its customer relief obligations “and all but a small portion” of its obligation to the government under the settlement.

Like Citigroup, Ally does not expect its commitment under the settlement will harm the bank. “Ally expects that the financial impact of the agreement will not be material on financial results for the first quarter of 2012 and future periods,” Ally stated.

Ally has agreed to pay $110 million to the government and $200 million in aid to borrowers.

Bank of America will pay $3.24 billion to the government and $8.58 billion in relief to borrowers.

A portion of BofA’s government payment – $1 billion – will be paid to settle a separate claim on behalf of Countrywide for loan originations issues.

“We believe this settlement will help provide additional support for homeowners who need assistance, brings more certainty to the housing market and aligns to our ongoing commitment to help rebuild our neighborhoods and get the housing market back on track,” Dan Frahm, a BofA spokesperson stated Thursday.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair 2012 to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

 Contact Your Realtors, Linda and Terri

 Contact Our Lender, Sherice

In 1880, a group of San Diegans organized an agricultural fair to bring county farmers together to share ideas, see who had the best citrus fruit, who baked the best pie, and who had the fastest horse. After that first fair, the county fair was held annually with a few exceptions in various county locations until 1936, when it moved to its present Del Mar home. During World War II, the Fair was suspended, but has taken place in Del Mar annually since 1946.

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

If you don’t mind, may we please introduce the personal side of us as well?  Meet your team…..

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others.” Sherice attends the well known “Rock” church which continues to reinforce this message.

Click Here To Meet Linda and Terri Century 21 Award

Click Here To Obtain a VA, FHA, First Time Buyer Loan or Conv

Linda Ring and Terri Davids of Century 21 Award forecasts home values will be on the decline through December 2012 throughout San Diego County, but the decrease will be smaller than in 2011. Home values in the San Diego area fell in the fourth quarter, with the Zillow Home Value Index (ZHVI) sinking 1.1 percent after a less significant decline for the two previous quarters. San Diego Realtors predicts that hardest hit cities such as San Diego, Los Angeles; Riverside, California will reach bottom and then stabilize or increase in value in 2012.  The rate of homes foreclosed on increased slightly to 8.2 out of every 10,000 in December, compared to 8 out of every 10,000 homes in November. The rate was lower than the end of the third quarter, when it was 8.6 out of every 10,000 homes. Foreclosure re-sales made up 19.1 percent of all December sales, which is an increase from August, when 17.1 percent of all sales were foreclosure re-sales nationwide.

  Contact Us for your Home Purchase Journey

 VA, FHA, First Time Buyer Loans, click here

Losing your San Diego home can be devastating to your credit, not to mention your psyche, but you can buy again within as few as three years after a foreclosure or short sale.

It's not surprising when you lose your home you also lose some self-esteem, especially if your were raised in a culture that sees homeownership as a status symbol, as a sign that you've finally arrived.

Some lost self-esteem also comes from the belief you've lost your shot at the American Dream. Others will tell you seven to ten years must pass before you can buy again. At that time, uninformed people say, you'll have to buy at high interest rates.

That's not always true.

If you file for bankruptcy in San Diego, and make the right credit and financial moves, you can buy a home again as soon as two years after your bankruptcy is discharged.

What's more, if you rebuild your credit and maintain a healthy, on-time credit profile, you can take advantage of San Diego low down payment and low interest rate loans. The Federal Housing Administration (FHA) allows you to buy a home with as little as 3.5 percent down and take advantage of some of the best interest rates on the market.

FHA loans literally replaced the subprime brand, but came with federal backing.

You also may be eligible for San Diego first-time homebuyer programs that assist you with your down payment and closing costs. First-time homebuyer programs are not just for those who have never owned a home, but allow you to qualify if you have not owned a home in the past three years.

Some private lenders, San Diego home owners and investors also may allow you to buy a home even sooner than the two- to three-year period, but it will cost you a higher interest rate and require a large down payment.

With the housing market flat in San Diego and many local markets still expected to see prices fall more, it is not a bad idea to spend the next several years cleaning up and re-establishing your credit. Good credit will allow you to buy a home with a minimal down payment and the lowest interest rates.

If you lost your home to foreclosure or a short sale, don't lose hope. Don't hesitate. Begin today putting yourself in a good position to buy.

Fix your credit

• Rebuild your credit by making your monthly debt payments on time. Don't ignore your remaining credit obligations during foreclosure or after losing your home. Your credit score gets a boost, in part, based on the number of positive accounts in your credit report. The more you have, within reason, the faster your credit score rises, even after losing a home.

• Pay down your credit cards but not to a zero balance. Your credit score gets a boost if you maintain a balance that is about 30 percent or lower than your credit limit. Keeping a balance reveals you can borrow money and pay it back on time. Don't close out your credit cards because the longer your positive credit history, the more your credit score and your ability to buy a home will improve.

Save money

• Most of today's homebuyer programs require a down payment. FHA loans require 3.5 percent down -- $3,500 for every $100,000 you borrow. You likely will have to pay closing costs, another 2 percent to 3 percent of the sales price. This is another $2,000 to $3,000 per $100,000. Do the math to determine how much you need to save each month, over the next two or three years, to have enough to cover your down payment and closing costs.

Don't be pressured

• Buy only when you are ready. You didn't lose your credit overnight. Likewise, it will take time to rebuild your credit and save for a down payment. Home buying deals will be available for years to come.

• Avoid adjustable rate mortgages (ARMs) and consider a 15- or 30-year fixed rate mortgage (FRM) that is a fully amortized loan so your payment and interest rate are fixed for the duration of the loan. Full amortization means each payment helps pay down the principal. When your loan term ends, so does the loan balance.

• Buy based on what you can afford, rather than a higher amount approved by the lender. You already know the risk of biting off more than you can chew. Lenders will pre-approve you based on your gross monthly income, but that does not consider taxes subtracted from your paycheck, food, clothing, utilities and other monthly obligations.

Know your comfort zone. Don't over-extend yourself.

 Contact Us Today

There are no words in the entire Webster Dictionary that can truly describe our deepest gratitude to our men and women in the United States Military. You are willing to die for us, protect our freedoms, and defend our liberties. Your service is the noblest act on the face of the PLANET!

Century 21 Award and Paramount Equity have teamed up this year at the San Diego County Fair to provide outstanding customer service to our United States Military, veterans past and present!

Our team will be waiting for you in “Exhibit Hall”…space 4245”. Come meet your team who are deeply devoted to our Military Heroes. We will help you obtain your well deserved VA loan and supply you with homes for review. It would be our highest honor to serve you.

If you don’t mind, may we please introduce the personal side of us as well?  Meet your team…..

(Your Realtor, Terri)

Over 40 years of solid customer service and outstanding performance throughout Eastlake, Chula Vista, and San Diego County, these ladies have become a greatly sought out powerhouse within the Century 21 Real Estate Franchise, worldwide!  Their skill, real estate knowledge, dedication, and focus towards each client’s needs are never compromised.

Terri enjoys spending quality time watching the sun set over The Sweetwater Lake with her husband of almost 30 years and her college age daughter.   She loves fine dining or a simple barbeques.  If she isn’t too busy with her community charity work, you’ll find her grabbing an old black or white movie to sit and relax with……. or making a mad dash to Downtown San Diego Civic Center to watch the latest theater show that hit this town. …Phantom of The Opera is her favorite.

Terri is a proud member of the La Paloma Eastern Star and Foothills Republican Women Federated, just to name a few.  She gives back an enormous amount to many different causes especially those that promote the health and well being of our seniors.    Recently, Terri was co-recognized by our military for her heartfelt and outstanding efforts in sending 100’s and 100’s of care packages to our troop abroad.

(Your Realtor, Linda)

At the young age of 16 years old, Linda attended real estate school and was well on her way in becoming a Realtor once she reached the legal required age of 18 years old.  She became a real estate teacher, mentor, and manager for Century 21 at the age of 21.  Linda found these demanding positions important to enhance the quality of the real estate profession.  However, she felt nothing was more satisfying than or as important in real estate as servicing clients and customers with skill, knowledge and care. 

Linda enjoys spending most of her free time working out in the gym or supporting different charities.  Linda has an overwhelming passion in helping animals of all kinds and supporting our military troops.  One of her most touching rescue stories was of 3 starving horses that she found while help rescuing people and animals during our last massive wildfire.  She was able to get food and medicine to the horses, it took months but they recovered.  When it comes to our troops, Linda is usually spearheading any program in support…she certainly appreciates and respects our men and women in uniform.

Terri and Linda are proud of their accomplishments in real estate and in their community work.  They have earned an enormous amount of real estate awards from “Quality Service” certificates to “Double Centurion” trophies within their vast 40 year career.  They both were honored by the United State of American Armed Forces for their support.  Terri and Linda were presented with an American flag that was flown in their honor in the Green Zone, Baghdad Iraq.  It was one of Terri and Linda’s proudest moments.

(Your Lender, Sherice)

Born and raised right here is beautiful San Diego, Sherice Grainger has become one of the most prominent lenders in our community. She is presently employed at Paramount Equity where its experience and expertise will benefit those who seek a new loan or refinancing.

Sherice comes from a large San Diego family deeply rooted in community service and devotion. Sherice’s 92 year old great grandmother resides in San Diego. Sherice’s grandmother has 9 children, 5 boys and 4 girls including a set of twins. On July 14^th, 2010 Sherice and her fun loving Panamanian husband Reggie gave birth to their cute bundle of joy, Chloe…. making it FIVE living generations in this powerhouse San Diego based family!

Sherice is known to show the utmost commitment and compassion towards each and every client, but the U.S. Military holds a special place in her heart. Sherice’s grandfathers both served in the Navy, her husband served TWICE (Marine and Army Guard) and her two twin aunts are active military duty. Aunt Kelly is in the Army and Aunt Terri is in the Air Force. Sherice has been a strong supporter and contributor to Paws for Purple Heart Wounded Warrior and their Service Dogs. She is also known for collecting canned food for the San Diego Food Bank. Our community greatly benefitted from her passionate charity work.

Sherice is an avid reader. After taking loving care of her clients, Reggie and the amusing and energetic Chloe, you might catch her reading the works of Shurtleff Holmes. If she is not reading, you’ll probably catch her humming a song composed by the talented Prince, her favorite artist. Most people that know Sherice can confirm, she loves to restaurant hop in search of discovering new foods…but sushi and steak are always pleasurable to her pallet.

Her father instilled a special core value in Sherice at a young age “We all have emotional bank accounts. The people in your life will either make a positive impact deposit or will withdraw a negative impact and you want to be the person making an emotionally positive deposit into the lives others.” Sherice attends the well known “Rock” church which continues to reinforce this message.

 Contact Sherice at Paramount Mortgage

Contact Linda and Terri at Century 21 Award