How Buyers Are Winning Right Now

• Target motivated sellers and recent price reductions.
• Leverage assumable loans in the 2–3% range (when available).
• Negotiate seller credits to buy down to a ~5.99% rate today.
• Find off-market opportunities to avoid bidding wars.
• Trade in your current home at full market value, so you're not a contingent buyer.

George’s VIP Home Finder Service

Unlisted, Off-Market, & MLS Homes: More selection with my TARGET MARKETING and VIP Home Finder Program.

• We ACTIVELY Find You A Home — pulling homeowner records in your preferred areas and contacting them before anyone else.
• We Increase Your Options — transparent, no upfront fees, and you’re never obligated to buy.
• Certainty — You know everything possible is being done instead of relying on a passive agent and MLS alerts.

Good Reasons to Buy Now

• You want security, stability, and future wealth.
• Mortgage rates are lower than the last 3 years.
• Prices are lower than the last 3 years.

Good Reasons Not to Buy Now

• You won't live in the home for 2–3 years.
• You can't qualify or assemble a down payment.
  Note: VA = 0% down; FHA = 3.5% for many first-time buyers.

Less-Good Reasons That Cost People Money

• “I can’t find what I like.” ? Start with the best available and trade up later.
• “I'm waiting for prices to come down.” ? Large dips are rare; fewer buyers now = more negotiating power.
• “I don’t want an HOA.” ? Many HOAs are simpler than renting rules.

Talk Through Your Options in 10 Minutes

Call or text 619-846-1244 and I’ll map out:

• The lowest payment available
• The best terms
• The right property for your goals

How to Work With George Lorimer

Understanding the Buyer Agreement in California

California now requires a signed buyer agreement before touring or making an offer. It explains how your agent is compensated if and when you buy — not a bill or obligation to purchase.

• No upfront fee. Start looking at homes at no cost.
• No obligation to buy. If you don’t buy, you owe nothing.
• Seller pays the fee at closing (included in the price).

Assumable VA Loan Details

• Loan Type: VA (assumable)
• Estimated Loan Balance: $613,165
• Interest Rate: 2.69%
• Estimated Payment: $3,430/month
• Remaining Term: 24 years, 10 months
• Initial Loan Amount: $698,575

A new loan at ~6.88% would be about $4,630/month. By assuming this existing VA loan, you could:

• Save ~$1,200/month
• Save ~$432,000 in lifetime interest

About This Home

This beautifully updated, move-in ready home shines with natural light and true pride of ownership. Ideal for both everyday living and entertaining.

• 4 bedrooms & 3 bathrooms
• Approx. 1,820 sq. ft.
• Built in 1986
• Single-family home in desirable Rancho Peñasquitos
• Paid-off solar for utility savings

Kitchen & Interior

• Custom cabinetry
• Quartz countertops
• Stainless appliances
• Modern hardware & upgraded sink
• Breakfast bar opening to the family room

The backyard features a pergola, outdoor TV, custom built-in BBQ, and a full wall of rustic garage cabinets with workbench — ideal for entertaining or relaxing.

Owner-Occupant or Long-Term Hold

With an estimated cap rate of ~2.5% and a fixed 2.69% interest rate, this property works well for both long-term homeowners and investors seeking payment stability.

Interested in This Assumable Loan Opportunity?

Sub-3% assumable loans in San Diego are extremely limited and often move quietly. If you'd like details, a private tour, or want to see if you qualify:

Call or text George Lorimer at 619-846-1244