Blog by Gary Giffin

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How to Fix Your Credit Score after a Shortsale, Bankruptcy or Foreclosure

October 8th, 2012

There are Five Factors that contribute to your Credit Score.  They are:  Payment History, Amounts Owed, Length of Credit History, New Credit and Types of Credit Used.  After a short sale many people suffer from low scores and need to come up with a plan to earn a better rating.   Here, we go through each of the five factors that make up a FICO score and share expert tips for fixing challenged ...

Bank Owned Foreclosure Homes La Jolla Del Mar

April 25th, 2012

New Website to find latest Bank Owned Foreclosures , REO & Short Sales in San Diego Coastal Communities. Search and find in La Jolla and neighboring areas like BirdRock, Lower Hermosa & The Village. Also Find Short Sales & Bank Owned Homes in PB Pacific Beach & Del Mar / Torrey Pines in the North Coast Areas. Cover All zip codes 92037, 92019 & 92014. Use the website link below to search ...

Carmel Valley: Public comment period on Kilroy project coming soon

January 14th, 2011

Carmel Valley: Public comment period on Kilroy project coming soon


Members of the public may soon have the opportunity to comment on an environmental impact report for a proposed mixed-use development at the corner of El Camino Real and Del Mar Heights in Carmel Valley that would include office buildings, shops, restaurants, a hotel, a movie theater and homes.

Project develope ...

Talmadge 4534 45th St Home Short Sale

November 11th, 2010
Gary | Middleton and Associates Real Estate | (858) 401-0204
4534 45th St, San Diego, CA
TALMADGE Lovely Spanish Detached Home 92115
3BR/2BA Single Family House
offered at $439,000
Year Built 1938
Sq Footage 1,477
Bedrooms 3
Bathrooms 2 full, 0 p ...

Real Estate Market Trends Oct-2010 San Diego ,CA

October 29th, 2010

"Loan Mods" good bad or useless .

So what is up with Loan Mods?? Are they good, are they bad, or are the just a waste of time?  This program was instituted in 2009 under the auspices of the Making Home Affordable Program. The idea being to incentivize the banks to work with distressed home owners to avoid massive foreclosures. So is it working? Well in short the answer is NO not ...

Real Estate Market Trends 2010 San Diego ,CA

October 7th, 2010

Real Estate Market Trends 2010 San Diego ,CA

Real Estate Market Trends 2010

San Diego, CA


  1. The Fed met last ...

VA home loan useful, but watch for snags San Diego Miltary

October 5th, 2010

VA home loan useful, but watch for snags San Diego Miltary

By Rick Maze and Michelle Tan - Staff writer
Posted : Sunday Dec 20, 2009 10:13:22 EST

For eligible service members and veterans, the Veterans Affairs Department’s home loan guarantee program can be a curse or blessing in today’s housing market. Among the advantages:

• It is among the few mortgage programs now availa ...

Cardiff By The Sea Town Home For Sale

October 4th, 2010
Cardiff By The Sea Town Home For Sale!
Gary | Middleton and Associates Real Estate | (858) 401-0204
1384 Evergreen Dr, Cardiff By The Sea, CA
Cardiff By The Sea Town Home. Close to the beach and shopping. Remodel
2BR/1BA Single Family House
offered at $285,000
Yea ...

La Jolla Real Estate Home Sales Jan-Aug 2010

September 24th, 2010

la jolla San Diego CA 

La Jolla Real Estate Sales

 Jan - August 2010

 

Total Sales for August - 59

SFH August Sales - 23

Condo August Sales - 33

Foreclosures in August - 6

 

Total Sales for the year - 416

2010 Sales over 1.5 Mil  - 87

2010 Sales over 2 Mil - 43

2010 Sales over 3 Mil - 20

Gary Giffin, Middleton & Associates La Jolla Realty, is a La Jolla Realtor located on 848 Prospect St.92037. If ...

Sorrento Valley Home Short Sale

September 19th, 2010
Sorrento Valley Home For Sale- Short Sale $699,000 Canyon Views

Gary | Middleton and Associates Real Estate | (858) 401-0204
5188 Sea Mist, San Diego, CA
Sorrento Valley 92121 Monarch Estates Property SOLD AS-IS! Cul-de-sac location! Completely remodeled!
4BR/3BA Single Family House
...
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