Olivia Guinn, Broker Associate

Call Directions Website Contact the practice

Olivia Guinn, Broker Associate Olivia Guinn is Broker Associate with Renovation Realty and Nationwide Loans Inc. DRE #02132542 NMLS #695410

Preapproved and wondering what could still change before closing?If you're planning ahead, ask your lender what document...
10/14/2026

Preapproved and wondering what could still change before closing?

If you're planning ahead, ask your lender what documents and insurance details they may need. An accepted offer brings a closer review of your finances and that home, and final verification comes before funding. Timelines and requirements vary by lender and loan. In San Diego, I coordinate the search, contract dates and financing early to help avoid surprises.

If you're thinking about buying, I'd be glad to plan the home search and financing with you.

JUSTED LISTED 🏠2 Bedroom | 2 Full Bath Condo for sale in San Miguel Ranch Chula Vista for $585k‼️ Listed by Olivia Guinn...
10/10/2026

JUSTED LISTED 🏠

2 Bedroom | 2 Full Bath Condo for sale in San Miguel Ranch Chula Vista for $585k‼️ Listed by Olivia Guinn

📍 2072 Aviata Rd #66, Chula Vista, CA 91914

🏡 | Details
• VA & FHA Approved
•HOA & Mello Roos $531
• 1 Car Garage & 1 assigned parking space
• Fireplace
• washer & dryer included inside unit
• HOA includes: gym, pool, jacuzzi, gated entrance, trash, water and much more…

To schedule a private tour, or for help with writing the winning offer, contact us at..

(619) 227-9173
[email protected]

Two Loan Estimates can look almost the same at first glance.Compare them side by side: Is the rate locked? Does the lowe...
10/02/2026

Two Loan Estimates can look almost the same at first glance.

Compare them side by side: Is the rate locked? Does the lower rate require points, or does the other quote offer lender credits? Which has the lower APR and total loan costs? What is the full monthly payment once mortgage insurance is included? And how much cash will you bring to closing and still keep after? Example: the lower rate may ask for more money up front, which is not always the best fit for your timing.

If you want, I can help you compare financing options alongside your home search before you make an offer.

The biggest down payment is not always the smartest move.- Put more down if a lower payment from day one is the top prio...
09/29/2026

The biggest down payment is not always the smartest move.

- Put more down if a lower payment from day one is the top priority.
- Ask if your loan allows a recast so you can apply cash after closing and reset the payment.
- Keep more reserves if repairs, moving costs, or overlapping payments could get tight.

The key is comparing payment, cash to close, and cash left after closing.

In San Diego, we usually model all three before a move-up buyer decides. If you want to see yours, we can help.

Two homes with the same price can land very differently on the monthly payment.Before you write, ask for the current tax...
09/16/2026

Two homes with the same price can land very differently on the monthly payment.

Before you write, ask for the current tax bill and check for Mello-Roos and special assessments. Make sure the full amount is being counted in the payment estimate, because that can affect approval and how much cash you need at closing. In San Diego, I like to review this early so the budget is real before emotions take over.

If you want, I can help you compare homes by payment, not just price.

Thinking about offering on a home with solar?• Ask if the panels are owned or leased• Read any transfer or payoff terms ...
09/14/2026

Thinking about offering on a home with solar?

• Ask if the panels are owned or leased
• Read any transfer or payoff terms before you assume the setup is simple
• Check roof age, because removing and reinstalling panels can add cost
• Rebuild the full monthly payment with the mortgage, taxes, insurance, HOA, and any solar cost
A lower electric bill does not always mean a lower total housing payment. I like to review solar early so the numbers make sense before you write.

If you want, I can help you sort it before you decide what the home is really worth to you.

House in Chula Vista or condo closer to central San Diego?Compare the full monthly picture, not just price. Add HOA dues...
09/11/2026

House in Chula Vista or condo closer to central San Diego?

Compare the full monthly picture, not just price. Add HOA dues, taxes, insurance, and the real weekday commute, then ask which option leaves you more flexibility later.

In San Diego, two homes that look similar on paper can feel very different once those costs meet your routine.

If you want, I can help you compare both side by side before you tour.

Selling with extra space that does not line up cleanly with records?• Pull permits, plans, and old listing notes before ...
09/09/2026

Selling with extra space that does not line up cleanly with records?

• Pull permits, plans, and old listing notes before you set a price.
• Compare public records to what exists today so bedrooms, bathrooms, and square footage are not guessed.
• Decide how the space should be described in marketing and seller paperwork before photos are taken.
• Price the home around what buyers, appraisers, and lenders can verify.

If you're unsure how to position that extra space, we can help you sort it out before your listing goes live.

Buying a San Diego condo? These are 4 HOA insurance checks to make before you write an offer.• Ask for the HOA's master ...
09/09/2026

Buying a San Diego condo? These are 4 HOA insurance checks to make before you write an offer.

• Ask for the HOA's master insurance policy and proof the coverage is current.
• Check what the HOA covers and what would still fall on your own condo policy.
• Have your lender review the building before you offer because coverage details can affect approval.
• Quote your own policy before you write so your monthly cost and cash to close are based on real numbers.

If you want, I can help you review the building and financing together before you commit.

In San Diego, a jumbo budget is more than the price tag.• Set a cash target that still leaves money in the bank after cl...
09/04/2026

In San Diego, a jumbo budget is more than the price tag.

• Set a cash target that still leaves money in the bank after closing if your loan requires it.
• Price insurance early. On higher-value homes, premiums and coverage can shift the payment.
• Add HOA dues before you tour so your monthly number is real from day one.
• Compare the full loan quote, not just the first rate you hear. Paying more upfront can lower the payment, and paying less upfront can raise it.

If you want, I can help you set a budget around payment and cash before you start touring.

Address

701 Palomar Airport Road Suite 300
Carlsbad, CA
92011

Telephone

+16192279173

Website

,

Alerts

Be the first to know and let us send you an email when Olivia Guinn, Broker Associate posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Practice

Send a message to Olivia Guinn, Broker Associate:

Shortcuts

Share

Category