Due to the rise in identity theft I would highly recommend that you check your credit report at least once a year. A recent amendment to the FCRA (Fair Credit Reporting Act) allows you to receive a FREE Credit Report Annually. It is available to all U.S. States since Sept. 1, 2005.

The Conventional conforming loan amount limit for San Diego in 2011 is $546,250 for a Single Family Home. Anything above is a jumbo loan which carries a higher interest rate. Multi-family homes have higher loan limits.

FHA loan limits for 2011: $546,250 for a Single Family Home. Multi-family homes have higher loan limits.

VA loan limits for 2011: $537,500

First-Time Buyer Programs to help reduce your monthly payment or increase the purchase price.

Here are 12 ways to get a Down Payment.

Down Payment or Closing Costs?

8 Tips to Improve Your Credit

5 Factors that Decide Your Credit

Choices that will Affect Your Loan

Reverse Mortgage - A reverse mortgage is a special type of loan used by homeowners 62 and older to convert part of the equity in their homes into tax-free cash.