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 ...

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 partial
Floors Unspecified
Parking Unspecified
Lot Size 5,100 sqft
HOA/Maint ...

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 based on sta ...

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 week and as expected did not ra ...

Bay Park San DIego Home Bay Views Reduced Not Short Sale

June 16th, 2010
Gary | Middleton and Associates Real Estate | (858) 401-0204
2212 Chicago St, San Diego, CA
Bay Park HOME HAS BEEN COMPLETELY REMODELED and Reduced!.ENJOY PEEK BAY VIEWS & SEA WORLD FIREWORKS.
4BR/3BA Single Family House
offered at $499,000
Year Built 2002
Sq Footage 1,868
Bedrooms 4
Bathrooms 3 full, 0 partial
Floors Unspeci ...

Park Rim Clairemont Views To Mt Soledad

June 7th, 2010
Gary | Middleton and Associates Real Estate | 858-401-0204
5014 Park Rim, Clairemont, CA
Experience Park West living at its finest! Salt Water Pool Canyon Views!
4BR/3BA Single Family House
offered at $629,000
Year Built 1968
Sq Footage 1,824
Bedrooms 4
Bathrooms 3 full, 0 partial
Floors Unspecified
Parking Unspecified
Lo ...

$8,000 Federal Tax Credit is it Gone?

May 3rd, 2010

$8,000 Tax Credit Extended for VA ONLY!

$8,000 Federal Tax Credit is it Gone?

Not if you are a Veteran!!!

Members of the Armed Forces* have until April of 2011

To buy a principal residence and still qualify for a tax credit.

What I’ve always loved about VA loans is how every unique guideline is designed to benefit the veteran.  More information regarding these benefits can be found on a relat ...

San Diego County Home Sales 6.9% Increase

May 2nd, 2010
San Diego County's March home sales show 6.9 percent increase
Apr 13, 2010

San Diego County Home Sales numbers rose by 6.9 percent in March, compared to the same month a year ago, while prices increased by 15.8 percent, a real estate information service reported Tuesday.

There are 3,227 homes sold in March, up from 3,020 for March 2009, while the m ...

Top 5 Ways to Build a Green Home

April 29th, 2010
green homes carmel valley pardeeTop 5 Ways to Build a Green Home

We have learned a lot of the latest green building strategies from clients and home builders I deal with as a Member of the Top 5 in Real Estate Network®. I thought I’d share some innovative green building ideas from the National Association of Home Builders (NAHB, www.nahb.org) in case there’s a remodel or new-home build in your future:

You know that adopti ...

4 Things First-Time Home Buyers Need to Know about Home Inspections

April 27th, 2010

4 Things First-Time Home Buyers Need to Know about Home Inspections

RISMEDIA, April 21, 2010— A professional home inspection can not only provide a great education about the home’s systems, but also be a crucial tool in negotiating the most equitable price on the home, according to HouseMaster, one of the first and largest home inspection franchisors in North America.

“Our experience and ...

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