Tom Dunlap

Tom Dunlap Broker Associate TomDunlap.com BRE# 01713621 Phone: 619-929-1413 Fax: (619) 393-0200 Email: Contact Form There is no substitute for skill, polished by years of experience, plus a thorough knowledge of the local market. And that’s exactly what San Diego real estate professional Tom Dunlap offers to his...

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How a Short Sale Will Affect Your Ability to Buy Another Home

Many San Diego homeowners have worked hard to preserve good credit. Some come to us with a pristine credit record, yet are saddled with debt – most of which they have incurred in order to keep current on mortgage payments. The conclusion that they need to offer their house as a short sale is a very heavy one to reach for...

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Don’t use your Visa to make your San Diego home mortgage payment!

Holding on to your home is an honorable goal, but going deep into credit card debt to do so is a sure path to economic ruin. Your credit cards will only go so far, and then what? You could lose the house to foreclosure and be left with a huge high-interest unsecured debt. Don’t wait and let the situation get worse. If...

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What hardship prevents you from making mortgage loan payments?

Before the bank will consider your San Diego short sale you’ll need to show that you’ve suffered a hardship. Thus, short sale hardship letters are a necessary component of a short sale request package. Does your hardship qualify? Unless you clearly demonstrate a hardship, the bank will assume that you do have the...

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Want the bank to agree to a short sale of your home? You’ll probably need to stop making payments.

San Diego homeowners who have been trying to preserve their credit rating but need to short sell are often dismayed to learn that they’ll probably need to stop making their mortgage payments in order to be considered for a short sale. This is because the bank wants to see that continuing to make payments is a hardship. If...

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