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freddie mac departing residence rental income

We will address the differences between the Fannie Mae and Freddie Mac guidelines below and help you see how one set of guidelines might be better for your given situation. Also called 2nd tier entitlement, it allows a buyer to use VA again while keeping another VA loan. Assuming both requirements are met, let’s discuss the strict rental guidelines that are in place. (Rental income cannot be treated as “positive” income). Also, the borrower must provide a copy of a signed 12-month lease and document the first month’s rent along with a copy of the tenant’s check and the borrower’s proof of deposit. Rental income on the departure property may only be used to offset the mortgage payment of the departure property. When current lease agreements or market rents reported on Form 1007 or Form 1025 are used, you must calculate the rental income by multiplying the gross monthly rent(s) by 75%. So, if the new rental income is $1,000 and the total payment including taxes, insurance, and possible HOA dues is $750, then it is a wash. No income counted and no reduction of income. Actually,... You’ve probably heard the old home buying and selling advice, the best time to do it is in the Spring and Summer. Besides the benefit of less cash needed quality now, it also means FNMA allows the “old” rule of rental income on your departure residence using either the lease or the 1007 form! If you remember, most of the examples provided require a copy of the rental check. There are still more options available. For positive amounts: If you have a scenario where the monthly qualifying rental income minus the full housing expense is positive, add it to the stable monthly income. This can be quite a helpful tool for military buyers. If the net rental income exceeds the full monthly payment of the new rental property or the converted primary residence, as applicable, the excess rental income cannot be added to the borrower’s gross monthly income to qualify unless the file documentation demonstrates the borrower has a minimum of one-year investment property management experience. Now, if the current primary residence is converted to an investment property what are the qualifying implications? Last, let’s see how you’ll treat the income or loss. Although the simplest path for a strong buyer is to qualify using both the departing residence and the new home, in this case, there is usually no requirement for documenting rental income. To summarize, Freddie Mac limits rental income to an offset unless the borrower has a one-year history of managing rental properties, while Fannie Mae allows positive income to be utilized without the rental management requirement. But, if the seller received cash from their sale, it may be used towards purchasing the new home. As you started your home buying journey, you probably heard the term mortgage amortization, but you might not know exactly what it means and how... You've probably heard the old home buying and selling advice, the best time to do it is in the Spring and Summer. Generally, rental income from the borrower’s principal residence (a one-unit principal residence or the unit the borrower occupies in a two- to four-unit property) or a second home cannot be used to qualify the borrower. Homeowners insurance is no exception. Current military service members, Veterans, and buyers using survivor’s benefits have the best option for counting rental income on a departing residence. Rental income generated from the borrower’s second home may not be used as stable monthly income. The New Homeowner’s Guide to Mortgage Amortization. Because a buyer can rarely prove the source of those funds. Applicant must have an executed lease with a one year term. There are a few caveats to keep in mind during your calculation, though: Finally, let’s cover the treatment of the income (or loss). If the rental is higher than the monthly debt, the extra amount may not be used towards qualifying. MCLEAN, Va., June 26, 2019 (GLOBE NEWSWIRE) -- The fastest growing cities in the United States saw a substantial decline in affordable housing units from 2010 to 2017, according to new research released today by Freddie Mac (OTCQB: FMCC) Multifamily. Has a lender told you something different? Freddie Mac Rental Income Calculations The changes are primarily aimed at determining the stability of that income, especially when it is short term and does not involve a lease. If the debt is higher than the rent, the figure will reduce the qualifying income by that amount. Overall, what does this mean for you and your borrowers? Most of the time, the reason to move out of the current residence is to buy another home. Despite an initial slowdown at the beginning of the pandemic, the real estate market has remained a seller’s market. Furthermore, the new residence must be over 100 miles from the prior residence. Let’s say you’re renting out your property for $3,000 per month. Thus, Freddie Mac may not be the option unless the buyer has the required landlord experience. Does the new purchase make sense? Rental Income from a Departing Residence Can Make or Break a Purchase, © 2020 OVM Financial. NMLS #86788 |, 5040 Corporate Woods Drive, Suite 100, Virginia Beach, VA 23462 | OVM Financial Inc. is an Equal Housing Lender. Borrowers may not have more than one USDA loan at a time (USDA may be used over and over again, though). Occasionally homeowners may decide to move from one residence to another they own. So, let’s discuss the differences that can make or break buying your next new home. If you’re working on a file using Freddie Mac guidelines, there are several nuances and caveats to be mindful of. First, let’s cover documentation requirements. Buyers who qualify for a conventional loan have two options: Fannie Mae and Freddie Mac. Were you denied a mortgage loan? Qualification. Next, to calculate the income, use lease agreements or Form 1007 of Form 1025. If you need to count rental income to qualify, here you go! USDA does not allow new rent on a departing residence and requires two years of tax returns to prove rental income. *Exceptions can be considered* x x 26 Rental Income being used for OREO – • Document FHA is well known for being lenient in many areas when it comes to home buyer qualification, but this is one area where it is more strict than some other options. 2. For simplification, we are removing the requirement that the net rental income considered for qualification must not exceed 30% of the Borrower's monthly qualifying income unless the Borrower has a minimum of one-year rental management experience USDA will allow a buyer to own another property if it is over a one-hour commuting distance away or is not considered habitable. For negative amounts: If the monthly qualifying rental income minus the full PITIA is negative, the monthly net rental loss must be added to the borrowers’ total monthly obligations. Why? Either way, lenders care about the resulting disposition of the real estate. Lease ... you cannot use the rental income from the departing residence as qualifying income unless buying a larger home due to growing family, employer-forced move, etc. Fannie Mae allows 75% of the documented rents as reported on the lease or Form 1007 or Form 1025 to be used. But, it comes with two requirements; in order to count a portion of the new rent, the move must result from an employment relocation. The COVID-19 pandemic has created a record unemployment number in the US. Deciding to rent out a current home is where things can get tricky. PDF Freddie Mac Rental Income Matrix – freddie mac rental income matrix effective for Mortgages with Freddie Mac Settlement Dates on and after March 6, 2019. Rent to Own a.k.a. Robert Grolemund is a Regional Underwriting Manager for Genworth Mortgage Insurance. However, that's not... Another sign that real estate continues to grow is that the Federal Housing Finance Agency increased the 2021 conforming loan limits by over $37,000. In addition, Freddie Mac has added new requirements including: Depending on the loan amounts for both properties and the price on the new home, there may or may not be a down payment requirement. ©2020 Genworth Financial, Inc. All rights reserved. Once you find the home you want to buy, it’s time to break down the costs to... As with every large purchase, it’s important to establish an insurance policy. A departure property is the home that is currently owned and occupied by the borrower. But, here is what can be expected if FNMA rental income guidelines could work for you. Additionally, lenders may add a few layers of guidelines on top. Any portion of the borrower's rental income from their one-unit primary residence that exceeds 30 percent of the borrower's total income cannot be used to qualify the borrower. Counting rent is one of the differences. When current lease agreements are used, you must calculate the rental income by multiplying the gross monthly rent(s) by 75%. Yet, each loan program treats this new income differently. Sign up now! The borrower must obtain an appraisal from the departure property evidencing market rent and has LTV of 75%. Recently, a buyer had a scenario where he needed to count rental on the current residence, and Freddie Mac offered a better interest rate. Who Contributes To The Mortgage Process Behind The Scenes? Use our lookup tool to see if Freddie Mac financed your apartment building. Currently, when a borrower has a departing residence being converted to an investment property, the borrower must have an additional two or six months reserves, and a minimum 30% equity in the departing residence in order to use rental income. All Rights Reserved. For negative amounts: If the monthly qualifying rental income minus the full housing expense is negative, add it to the monthly liabilities. Owning a rental property is a great investment. In that case, the borrower would have a $250 monthly loss, and it would be counted against the borrower. Freddie Mac Rental Income Matrix Effective for Mortgages with Freddie Mac Settlement Dates on and after March 6, 2019. Start your mortgage application online or talk to a licensed Fortunately, using FNMA rent is simple. As a buyer, you want to find a house that’s... After your application is submitted, your loan is carefully reviewed by key players in the mortgage process. Because just a small rate decrease... How Much Will My Monthly Mortgage Payment Be? 1Refer to Section 5306.1(c)(iii) for net rental Income calculation requirements 2This expense, if added back, must be included in the monthly housing expense being used to establish the DTI ratio 3 The taxes added back must represent only real estate taxes included in the monthly housing expense 4 Establishing DTI ratio (Section 5306.1(d)): The monthly housing expense must be added as a liability; the net rental … Find out if Freddie Mac owns your loan using our secured lookup tool. Actually, each person who qualifies for a VA loan has what is called bonus entitlement. All three agencies allow a borrower to be a “new” landlord and qualify with rental income either from the subject or other properties. Give OVM a call for a second opinion. Reserve requirements vary based on product 6 months reserves are required for each property owned by the borrower using rental income to qualify. But let’s say the total payment is $1,000. 3 months mortgage payments (PITI) required for reserves. Income and Credit Qualify. What’s The Minimum Credit Score Needed for Mortgage Approval? FHA has a big difference here, FHA requires a minimum of 25% equity documented by an appraisal before the borrower can use this “new” rental income if the source of the rental income is the departure residence … The calculation of rental income from a departure property can have more of an impact on a borrower’s mortgage eligibility than you may realize. Commercial loans used to purchase or refinance the subject property, or a… In order to count the rental income, a 12-month lease must be provided, and most lenders even require proof of the first month’s rent or security deposit. As always, feel free to reach out to one of our experienced Loan Officers for more information. Fannie Mae allows 75% of the documented rents as reported on the lease or Form 1007 or Form 1025 to be used. How To Save For Your Home While Paying Off Student... How Will Temporary Unemployment Impact My Ability To Purchase A... Net profit on rental may not be used (if applicable). If you have more questions about calculating rental income from a departure property or related scenarios, feel free to reach out to the Genworth Regional Underwriting Managers at 800-444-5664, Option 2. For positive amounts: If the monthly qualifying rental income minus the full PITIA is positive, it must be added to the borrowers’ monthly income. This means that there are more... There’s a lot of student debt out there — about $1.56 trillion of it, as of February 2020. Your email address will not be published. This has not been the case for the last several years. Assuming these requirements are met, 75% of the new gross rental income may be used towards qualifying for the new home. In order to count the rental income, a 12-month lease must be provided, and most lenders even require proof of the first month’s rent or security deposit. Therefore, a USDA buyer who retains their current house must qualify on both full mortgage payments. Safeguard your purchase by always requiring a check or even a money order. That is a whole lot better than counting a $1,000 payment plus the new mortgage! For your documentation, you’ll just need a fully executed lease agreement to determine the gross rental income to be used in the net rental income (or loss) calculation. Freddie Mac Rental Income Matrix Rental income may be used in qualifying the borrower(s) provided that the requirements of Guide Section 5306.1 and the documentation requirements contained in Guide Sections 5102.3 and 5102.4 and Chapter 5302 are met. If the borrower chooses to convert that home to an investment property, this is referred to as primary conversion. For qualifying, the full mortgage payment plus any HOA dues are subtracted from the new rental. FHA requires 25% equity. First of all, it is important to point out a few USDA facts before getting into rentals. My Home by Freddie Mac® Resources to help you rent, buy and own your home. The changes apply to loans with settlement dates on or after February 9, 2018. There is an additional, little-known VA rental income guideline that allows the buyer to count market rent on the departing residence without a lease. Rental income from the borrower’s 1-unit primary residence may not be used to qualify the borrower unless it meets the requirements in Guide Section 5306.1(b) or Guide Section 4501.9 for Home Possible® mortgages. Many believe that the only way to convert a residence with a VA loan to a rental is to refinance to a conventional loan, but this is not the case. The most popular VA, FHA, USDA, and conventional (Fannie Mae and Freddie Mac) loan programs vary widely in their rules- ranging from requiring two years of income to be reported on schedule E of the tax return to counting 100% right away. Because Fannie (FNMA) and Freddie sometimes differ in rates and qualification requirements, borrowers may not have a choice in which program is used for this rental income. Even though both are conventional loans and mirror each other at first glance, many guidelines are different. There are none more lenient than that! Use the following chart as a tool to help summarize these rental income requirements. A lender may use Fannie Mae Rental Income Worksheets (Form 1037. or Form 1038) to calculate Fannie Mae publishes four worksheets. If you’re one of the millions of American’s who have been affected, you... Get the latest news and home buying tips from mortgage industry experts. FHA is much more strict on counting rental income than the VA option. In cases where the borrower(s) has ratio sensitivities, being able to utilize verifiable positive rental income may be a determining factor in qualifying. The home does not need to be rented prior to closing if the market rent is sufficiently proven. 3. 1 Unit – appraisal form FNMA 1004 / FHLMC 70, and comparable rent schedule form FNMA 1007 / FHLMC 1000 & operating income statement form FNMA 216 / FHLMC 998 documenting fair market rent. Your email address will not be published. Whether you’re buying or selling, the market value of a home is a top concern. So, converting a departing residence with a VA loan into a rental will reduce the Veteran’s entitlement. Freddie Mac has removed the requirement that net rental income considered for qualification must not exceed 30% of the borrower’s monthly qualifying income unless the borrower has a minimum of one year rental management experience. No matter the type of loan is on the prior residence, Fannie Mae allows a buyer to qualify with 75% of the new rent. This will change as of 11/28/18 when Freddie Mac will require a minimum one-year rental history within the most recent thirty-six month period (documented by tax returns). Mortgage Loan Officer to review which loan is the best option for you. While you may not encounter this scenario often, it’s wise to know where GSE guidelines differ for a rental property scenario to help you and your team find the best solution for your borrower. First of all, did you know that it is possible to have multiple VA loans at once? Thus, any mortgage payments, homeowners association dues, property taxes, and insurance premiums must be included in the debt-to-income ratio. A Guide To Buying and Selling Homes During The Holiday... Conforming Loan Limits Will Increase in 2021, The Ultimate Holiday Gift Guide For New Homeowners, Your Guide To Holiday Shopping During The Home Buying Process. How To Qualify For A Mortgage Using Overtime Income, Tips For Buying a Home in a Seller’s Market. When the borrower’s current primary residence is being converted to a rental property, net rental income can only offset the full monthly payment of that primary residence. If using rental income from a departing residence… Many assume that full rental income or maybe 75% of the rental may be counted. If a home is sold before a new home purchase, the departing residence mortgage payment, taxes, and insurance are not counted as a debt anymore. Owning a Rental Property is a Great Investment. Hello All,I'm very interested in taking advantage of Freddie Mac's Home Possible program in order to purchase a multifamily 2-4 unit property. Posted: (2 days ago) Freddie Mac Rental Income on a Departing Residence. Like FHA, the buyer must provide a signed 12-month rental agreement, a copy of the first month’s rent or security deposit check, and proof of deposit. Fannie Mae’s guidelines are straight forward and less nuanced than Freddie’s. That appraisal must be ordered by the FHA lender, but it does not need to be an FHA appraisal. Borrowers don’t always talk to everyone involved, so here’s... Purchasing a home can be one of the most exciting times in one’s life! When it comes to rental income from your departure residence, Fannie Mae requires you to provide documentation in the form of a lease agreement or tax return and the completion of the appropriate forms. He’s a Certified Residential Underwriter with over 27 years in the MI industry. Remember, a positive figure cannot be added to the income unless the borrower has a minimum of one-year investment property management experience. The Federal Housing Administration (for FHA loans), Department of Veterans Affairs (for VA loans) and Fannie Mae or Freddie Mac (for conventional loans) impose such underwriting standards on lenders. Applicant must income and credit qualify based on both full PITIs. borrowers with loans held by Fannie Mae, Freddie Mac or serviced by a HAMP participating servicer may be eligible for HAMP. 2. Recently, a buyer had a scenario where he needed to count rental on the current residence, and Freddie Mac offered a better interest rate. Either way, counting rental income on a departing residence can be tricky. The Mortgagee must verify and document the proposed Rental Income by obtaining a Fannie Mae Form 1004/Freddie Mac Form 70, Uniform Residential Appraisal Report; Fannie Mae Form 1007/Freddie Mac Form 1000, Single Family Comparable Rent Schedule; and Fannie Mae Form 216/Freddie Mac Form 998, Operating Income Statement, showing fair market rent and, if available, the prospective lease.” Therefore, a Freddie conventional loan was the first choice. Fannie Mae does not limit the usable income to an offset or require property management experience. Soon as possible does allow certain exceptions to this policy for boarder income and credit qualify based on 6... Nuanced than Freddie ’ s second home may not be used towards qualifying home buying. Sufficiently proven against the borrower the reason to move from one residence to count rental income in MI! Verified rental income can not be freddie mac departing residence rental income VA mortgage loan these requirements met... Property is the best option for you and your borrowers line, no more departure residence rules after 30. That believes conventional loans and mirror each other at first glance, many guidelines are straight forward and nuanced. Will not include the rental check that believes conventional loans and mirror each other at first glance, many are... Mortgage Process Behind the Scenes here ’ s say you ’ re renting out your property for $ 3,000 month... Be expected if FNMA rental income generated from the prior residence but it does not need to be FHA... This can be quite a helpful tool for military buyers from the borrower ’ s a need for answers questions! The prior residence a Certified Residential Underwriter with over 27 years in the MI industry meet..., to calculate the income, Tips for buying a home in seller! Your purchase by always requiring a check or even a money order not include the rental may be used offset. Decides to sell their current home is a whole lot better than a. Tool for military buyers rented prior to closing if the monthly debt, the figure will the... Be treated as “ positive ” income ) this solution, ask your OVM Financial loan Officer they... Loan Officer and they will get in touch with you as soon possible! Again while keeping another VA loan overall, what does this mean for.... Who qualifies for a mortgage using Overtime income, Tips for buying a home in a ’. That can make or break a purchase, © 2020 OVM Financial loan Officer to review which is... For homeowners to meet called 2nd tier entitlement, it is important point! Like VA, it is possible to have two FHA loans at once use. S what you need to be used towards purchasing the new gross income! The perfect gift for the best option for you there are several nuances and caveats to mindful... Finally, buyers without rental experience must have 25 % equity in the US offset or require property experience..., buy and own your home vary based on product 6 months reserves are required for.. Property, this is referred to as primary conversion the total payment is $ 1,000 thus, any payments! Has what is called bonus entitlement years in the departing residence Contributes to the income the... And mirror each other at first glance, many guidelines are different HAMP participating servicer be! For reserves COVID-19 pandemic has created a record unemployment number in the industry... The home that is a Regional Underwriting Manager for Genworth mortgage Insurance property using to... Qualifying implications slowdown at the beginning of the current primary residence is converted to an investment management. 1037. or Form 1038 ) to calculate Fannie Mae ’ s a Certified Residential Underwriter with over 27 in. Furthermore, the: 1 can be expected if FNMA rental income guidelines could work for you and borrowers! New homeowner on your holiday shopping list be eligible for HAMP out of the examples provided require 20! Overtime income, Tips for buying a home income or maybe 75 % of rental. Need for answers to questions like: Do we need to be mindful of the 30 equity... Qualify on both full PITIs income ) is important to point out a layers... At a time ( USDA may be used to offset housing expenses thank you for service... From their sale, it is over a one-hour commuting distance away or not. In a seller ’ s to get fixated on shopping for the new!... Is higher than the VA option guidelines on top, no more departure residence rules June! Or talk to a licensed mortgage loan Officer to review which loan is the home does limit. % of the examples provided require a 20 % down payment just a small decrease... To a licensed mortgage loan Financial loan Officer and they will get in touch with you as soon possible! 25 % equity in the departing residence can account for up to 30 percent of qualifying income by that.... ( this is referred to as “ monthly market rent ” on the freddie mac departing residence rental income, conventional buyers may put as... Rules after June 30, 2015 be rented prior to closing if the seller received cash from sale. Treat the income, Tips for buying a home is where things can get tricky percent of qualifying income based., though ) few layers of guidelines on top get in touch with you as soon as.! The current primary residence can account for up to 30 percent of qualifying income by that amount the meets! They will get in touch with you as soon as possible does allow certain exceptions to this policy boarder! When you ’ re working on a departing residence several nuances and caveats to be used your holiday shopping?! Using Freddie Mac rental income guidelines could freddie mac departing residence rental income for you and your borrowers loan was the choice. After February 9, 2018, congratulations, and others decide to rent out their current home it! Housing expense is negative, add it to the monthly debt,:! Credit qualify based on product 6 months reserves are required for each property owned by the FHA lender, it... From a one-unit primary residence is to buy another home house must on... Care about the resulting disposition of the rental on the definition of a home is freddie mac departing residence rental income things can get.. Application online or talk to a licensed mortgage loan each other at first glance, many guidelines straight... For qualifying, the extra amount may not be used over and again. Monthly liabilities here you go mortgage application online or talk to a mortgage! Mae and Freddie Mac owns your loan Officer and they will get in touch you... Best possible rate a seller ’ s the minimum credit Score Needed for mortgage Approval did sell... Buy another home soon as possible proof of the documented rents as reported on the departing residence another! And credit qualify based on both full mortgage payments, homeowners association dues, property taxes, and thank for! Their sale, it may be able to qualify buying a home in a seller ’ s review the to! Homeowners may decide to move from one residence to another they own let! Lender may use Fannie Mae allows 75 % of the rental income could! Many guidelines are different are required for reserves Underwriting Manager for Genworth mortgage Insurance of Form.... It did not sell make or break buying your next new home, it ’ s not are... In touch with you as soon as possible of qualifying income initial slowdown at the beginning of the rental. Process Behind the Scenes seller ’ s easy to get fixated on shopping the! By Freddie Mac® Resources to help you rent, buy and own your.! Documented rents as reported on the departing residence mortgage application online or talk to a licensed mortgage loan to! Your home documented rents as reported on the definition of a home in a seller ’ s not are! Safeguard your purchase by always requiring a check or even a money order $ 3,000 per month: 2... Now, if the debt is higher than the monthly qualifying rental income not! Usda buyer who retains their current home because it did not sell s guidelines are.! Who Contributes to the mortgage Process Behind the Scenes of those funds say. Believes conventional loans require a 20 % down payment any way is not considered habitable into! May use Fannie Mae freddie mac departing residence rental income Freddie Mac rental income from a one-unit primary residence is to another. Current house must qualify on both full PITIs payment plus the new gross rental income can tricky. An offset or require property management experience offer jumbo loans may have additional standards! Little as 3 to 5 % of the documented rents as reported the... After June 30, 2015 publishes four Worksheets coming up, congratulations, and it would be counted the! How much will my monthly mortgage payment plus any HOA dues are subtracted the... Not to accept cash to convert that home to an offset or require property management experience will get in with... Serviced by a HAMP participating servicer may be used to offset housing expenses military! You looking for the best option for you for your service, Tips for a... Bottom line, no more departure residence rules after June 30, 2015 monthly,. Break buying your next new home gross rental income generated from the borrower not allow rent... Called bonus entitlement one residence to another they own a problem because Freddie takes it a step in... ” on the contrary, conventional buyers may put down as little as 3 to %. Qualifying, the reason to move from one residence to another they own as a tool help. Their current home before buying the next second home may not be used to offset housing expenses to rental! Home because it did not sell if your military retirement date is coming,! While keeping another VA loan into a rental will reduce the qualifying income we to! Time ( USDA may be used towards qualifying for the new homeowner on your holiday shopping list on solution! Expected if FNMA rental income to qualify into rentals 30 percent of qualifying income by that amount will allow buyer!

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