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All agents are NOT alike! Find out why we are top real estate experts. Call us: 760-390-2201.
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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"We received outstanding service."
"Our communication with Brian and Linda was better than what we have with close friends."
"Ken and Shera O'Neal, Former Fallbrook Residents"
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Brian and Linda Josef are two of
The Top Selling Real Estate Experts™
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Read What People Are Saying About Us We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...  "Beyond extreme excellence."
"Linda and Brian kept us informed of every detail. This was the best real estate transaction we've ever had."
"Don and Adria Riordan, Retired"
"Brian and Linda make a good team."
"Brian and Linda make a good team together with each using their strengths to ensure a smooth process and helping to make the best decisions."
"Pat and Joe Bennie, Fallbrook Encore members"
"By far the best."
"In all of our real estate transactions over they last 20 years Brian and Linda were by far the best."
"Chris Kirkup & Scotti Hastings"
"Our dream became a reality."
"Linda and Brian enabled our dream to become a reality. They continuously worked for the 'right' property."
"Jini and Nick Moeller, Fallbrook newcomers"
"Thanks Brian and Linda"
"We have used the expert services of Brian and Linda in three separate real estate transaction since 1993."
"Helene Campagnet, OB/GYN Nurse"
"Thanks for the great job!"
"Thanks for the great job in representing me in the sale of my property."
"Tom Ferran, President, USMC Scout/Sniper Assoc."
"Thanks, Brian & Linda"
"Thanks, Brian & Linda for the excellent service. We rated our experience working with you both at 5 stars all the way."
"Brendan Dailey, trustee, Mary Dailey Fmly Trust"
"We received outstanding service."
"Our communication with Brian and Linda was better than what we have with close friends."
"Ken and Shera O'Neal, Former Fallbrook Residents"
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did...
Financing Your Home >Lenders Want to Say Yes
If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.
A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.
There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.
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| Q |
What is the most common name for a city in the United States?
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| A |
Fairview is the most common city name, according to the 1996 Top Ten of Everything Book. |
 See More Real Estate Trivia > |
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