Evan Tando, Mortgage + Real Estate Broker

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United States
San Diego, CA
Evan Tando, Mortgage + Real Estate Broker

With 20yrs experience, we bring knowledge, experience and opportunity to our clients on each and every transaction.

We provide expert advice, obtaining the best financing terms for a loan and negotiating offers on behalf of our sellers and buyers.

11/05/2024

Excited to share the closing of 4485 Cherokee this past week, for a couple I have known since before I started my real estate career, over 21 years ago! This sale marks an exciting step toward their upcoming retirement, which meant, maximizing their return was a priority. With their dedicated effort to prep the home, along with careful planning, expert staging, strategic marketing, and spot-on pricing, we achieved an amazing outcome—$53k over list price and nearly 10% above the last comp, closing at $818,000 on this charming 1929 Craftsman. A huge congrats to everyone involved! 🥂

06/19/2024

Just Funded this VA jumbo cash out loan to 93% at $1,325,700. After our client was denied by other lenders, we were able to give him a rate, over half a point lower than he was offered, while also providing him a lower term via an exception through our strong partnership with the nation’s largest wholesale lender. There’s nothing more satisfying than being able to take great care of our vets with the best pricing and products available. 🇺🇸

05/29/2024

This deal was challenging! It was the first offer submitted for this incredibly special family. They were in love with the vaulted ceilings, natural light and prime Golden Hill + South Park location. It was perfect for them. However, once we got into escrow, we had some challenges. Condos are some of the toughest to finance right now. Whether it is challenges with insurance, the questionnaire or budgets, there can be many variables which can affect financing. And this unit, had it all. This particular complex is very small and self run. They also had a negative budget and both the listing agent and the seller thought that we would not be able to get conventional financing with 5% down because of this. But I never give up. And after 2.5 weeks, I was able to get in touch with the HOA President who was able to authorize an updated 2024 budget with a positive number. With 4 days left to spare in the original escrow period, we were on our way to close on time!! After almost 3 weeks of uncertainty, I was able to tell these first time home buyers, that yes, they were in fact buying this home and closing in just a couple of days! Congrats to all parties! We were so happy to be able to pass keys to you and your family!

05/10/2024

We funded this Jumbo Cash Out deal last month with a rate of 6.375% on a 30yr fixed. Our clients were able to pull out over $550k with plenty of room to spare. We have some great jumbo products with incredible pricing, especially for those that are self employed. These deals move just as quick as traditional financing with guidelines to suit a variety of needs. Congrats to these long time clients and friends of ours!

04/24/2024

We closed out on this jumbo loan last month in 7 days as part of a concurrent sale. These buyers were able to secure this Point Loma property while competing with multiple offers including cash, due to our guaranteed 7 day close. These buyers also took advantage of our low 30yr rates which rivaled other lenders, including those who were offering ARMs. Congrats to these buyers who were able to move quickly and take advantage of our incredible jumbo financing program.

04/19/2024

Come join us this Saturday and Sunday from 10a-4p at 5701 Lance St in Del Cerro for our first showings during open house.

Check out what your summer could look like here with your family and friends, enjoying a pool party in the back yard or winding down in the Caldera saltwater hot tub with 38 hydrotherapy jets, watching the sunset to the west. ��5701 Lance St�4bed/2.5 ba
2496sf || 9,000sf lot�Pool + Spa home�2 car garage + RV Parking

Offered at $1.55m��Open Sat + Sun 10a-4pm

04/18/2024

Fannie Mae and Freddie Mac, who guarantee the majority of mortgages made in the US, announced today that while they are aware of the NAR proposed settlement agreement, they will not be making any changes to their selling guide.

However they wanted to clarify that they will continue to allow sellers to credit buyers 2-9% of the purchase price towards their closing costs, depending on the loan scenario, as well as any other fees that are customarily paid for by the seller, such as buyer agent fees.

FHA and VA have not made their own announcements yet but it wouldn’t surprise me if they take a similar stance.��If you have any questions regarding the NAR Settlement and how it may relate to your real estate or lending situation, please don’t hesitate to reach out.

04/11/2024

One of the best things about being a part of the real estate industry is that I am able to stay connected to people for decades at a time, watching their families grow, their careers blossom and businesses explode, while helping them build their real estate portfolio. It's an absolute honor to be trusted year after year by clients, helping them build their real estate portfolio. Grateful to have been recognized among the top 5% of Realtors in San Diego for 2023 by the San Diego Association of Realtors. Huge congratulations to all my colleagues who joined the Circle of Excellence for 2023 with SDAR. Thrilled to be part of such a dynamic and competitive market!

04/03/2024

Check out this stunning Point Loma property with impressive water and city views! We funded this jumbo loan in just 7 days, swooping in to save our clients over $500/month in comparison to the rates they had secured at a big bank. Huge congrats to this well deserving family on their new home and thank you for allowing us to help get you there!

03/14/2024

Earlier this month, we provided financing for this stunning Alpine estate with one of our exclusive Jumbo products. Offering the most competitive rates in the nation, out pricing major retail banks and credit unions, our quick turn times and attention to detail consistently assist our clients in securing accepted offers and moving into homes with payments that suit their financial needs. Congratulations to these buyers and a huge shout out to Cameron for securing this incredible property for such a deserving family.
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02/27/2024

Just funded this jumbo loan at 6% on a 30yr fixed for some lucky buyers who locked in this beautiful Spanish home with ADU off Santa Monica with sweeping views of Ocean Beach at just the right time.

Properties with ADUs can help you obtain financing for higher purchase prices because you can use the future rental income from the ADU to help you qualify. ��Be sure you know about loans that allow ADU income! We have an exclusive jumbo product available that allows for ADU income without an active tenant and without prior landlord history. As a wholesale mortgage broker, we have access to over 150 banks to find a product that works best for you.

Huge props to the buyer’s agent who kept an eye on this property for a few months and negotiated the final sales price at $400k off the original list price for these buyers. There are still plenty of opportunities out there if you have a solid team on your side. 👊��See below for details on home loans that allow ADU income:

⭐️ Jumbo Loans: ADU income is allowed on a purchase without prior landlord experience or an active tenant in place. ADU income is also allowed on refinances.��⭐️ Conventional Loans: ADU income is allowed on a purchase without prior landlord experience or an active tenant in place. ADU income is also allowed on refinances.

⭐️ FHA Loans: ADU income is allowed on a purchase without prior landlord experience or an active tenant in place. You can only have one ADU on the property. ADU income is also allowed on refinances.

⭐️ VA Loans: ADU income is allowed on refinances with 2yrs prior history of income for the unit on tax returns.

If you or someone you know has any questions about qualifying for a property with an ADU, please feel free to DM me any time or click on the link in my bio for a free consultation. ��.

Address

San Diego, CA

Website

http://www.EvanTando.com/

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