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Welcome, and thank you for visiting! I hope that you will consider this your resource for real estate information in my hometown, San Diego, America's finest city! I hope you enjoy your visit and explore everything my website has to offer, including information about the communities of Carmel Mountain Ranch, Poway, Rancho Bernardo, Carlsbad & homes for sale throughout San Diego County. You will also find information for homebuyers and sellers, and current real estate news. Please click on the About Us link so I can introduce myself to you, your professional San Diego County Realtor. Be sure to watch my personal video below as well.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home. I would then look forward to meeting with you and sharing my comprehensive market strategy with you.

If you are thinking about buying or selling a home, work with a professional that listens to your needs and cares about YOU. If you value working with someone who believes that excellent, personalized service, professionalism, knowledge and enthusiasm are important, then I am the Realtor for you. I love what I do and I am passionate about helping people with their real estate needs in my home town of San Diego. Please contact me to talk about how I can help you! I have been delivering Million Dollar Service in Every Price Range to clients throughout San Diego since 1994.

Testimonials

We cannot thank you enough for your professionalism and guidance! You have been by our side since the beginning! Because of you our experience of buying and selling this house will always be positive memories! Steve and Ashleigh
Edith is the consummate Realtor. When my wife and I listed our house with her, she made some staging suggestions and actually helped with furniture rearranging. During our first Open House, we received two offers and accepted one. When that fell through, She redoubled her efforts to sell our house, and to that end, she brought us a fully qualified cash buyer at a higher price, than the first offer. Edith skillfully guided us through the process and we closed the transaction, all within 35 days of listing the house with her! Thanks Edith for all you superlative work on our behalf! Marc
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Edith's Blog

Consumer Protection from Irresponsible Mortgage Practices

Congress enacted the Dodd-Frank Act in 2010 in response to the mortgage crisis that led to America's Great Recession.  The two parts that apply closely to homebuyers are the Ability-to-Repay (ATR) and Qualified Mortgages (QM).

A Qualified Mortgage is a category of loans that have certain, more stable features that help make it more likely that borrowers will be able to afford their loan.  These loans do not allow certain risky features like an interest-only period when no money is applied to reduce the principal; negative amortization that would allow the mortgage balance to increase; and, "balloon payments" at the end of the loan that are larger than the normal periodic payments.

A debt-to-income ratio of less than or equal to 43% has been established to provide a limit on how much of a borrower's income can go toward total debt including the mortgage and all other monthly debt payments.  However, the Consumer Finance Protection Bureau believes these loans should be evaluated on a case-by-case basis and in some cases, can exceed 43%.

There is a limit for up-front points and fees the lender can charge.

By showing that the lender made an effort to be certain that the borrower has the ability to repay the loan, the lender in turn, receives certain legal protections.  Underwriting factors considered by the lender include:

  1. current or reasonably expected income or assets 
  2. current employment status
  3. the monthly payment on the covered transaction 
  4. the monthly payment on any simultaneous loan 
  5. the monthly payment for mortgage-related obligations
  6. current debt obligations, alimony, and child support
  7. the monthly debt-to-income ratio or residual income
  8. credit history

For more information, see the Consumer Financial Protection Bureau fact sheet ... protecting consumers from irresponsible mortgage lending.


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Edith Broyles
Phone: (858) 735-9446
Email: edith@edithbroyles.com

Coldwell Banker Residential Brokerage
16789 Bernardo Center Drive Suite B
San Diego, CA 92128
CalBRE #01186526

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Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

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Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

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