On Time Appraisal is an independent residential real estate appraisal company appraising in San Diego county, with the appraiser specializing in North County (Encinitas, Carlsbad, Vista, Oceanside, San Marcos, Escondido, Bonsall, Fallbrook). With 10 years in the appraisal industry, our thorough appraisals are accepted by lenders across the country. I typically complete appraisals within 2 business days after the inspection of the property. I also make efforts to contact clients before we inspect properties if we anticipate problems.

I appraise single family residences (typical fees are $375-$450, but may vary), small income properties, and vacant parcels of land.  Appraisals for lending purposes: FHA or conventional financing for purchases, refinances, second mortgages, P.M.I. removal and bail bonds.  Appraisals for estate settlement, divorce, bankruptcy, pre-listing, and short sale. 

Call or email to discuss your real property appraisal needs with an appraiser.

In addition to full interior / exterior appraisals, we offer exterior only (drive-by) appraisals, and desktop appraisals (no inspection).  These appraisal services are reduced fees for the reduced scope of work with assumptions  that can satisfy a reasonable client need for the stated use of the appraisal.

We specialize in zipcodes and do appraisals in Carlsbad – 92008, 92009, 92010, 92011, 92013, 92018, Del Mar – 92014, Encinitas – 92023, 92024, Oceanside – 92049, 92051, 92052, 92054, 92056, 92057, Escondido – 92025, 92026, 92027, 92029, 92030, 92033, Fallbrook – 92028, San Marcos – 92069, 92078, 92079, Vista – 92081, 92083, 92084, and San Diego.  See about the appraiser for more city coverage.

What is a secured loan and who needs it?

Broadly speaking, secured loans are for the people that have been rejected by companies offering unsecured (regular) loans. There can be a multitude of reasons for that. Secured loans can aid you in building up a good credit score/history, in case you will need a loan somewhere down the line. The banks offer lower rates, which is a plus, there’s less risk involved because can simply take the collateral if something goes wrong.

Choosing secured loans, you can also enjoy the benefit of an interest rate that isn’t fixed. The exact sum you pay monthly may vary and that’s also a good thing.

Cons of Secured Loans

Let’s start with the obvious. You can end up losing your house or your vehicle or any asset you set up as collateral. Moreover, secured loans are usually “bigger”, so racking up too much debt can make it extremely difficult to meet all the monetary obligations.

In some cases, secured loans also may come with “hidden” fees, the ones the lender won’t talk too much about. For example, some loans have built-in arrangement fees and those are extremely expensive. Always make sure that you thoroughly go through all the documents provided by the lender. Make sure there’s no catch.

Finding the Best Deal

When it comes to secured loans, it is EXTREMELY important to find the lender that offers the best rate. There are some special offers for people with decent credit history, too. You have to do your own research by checking websites and documenting the information provided by the lenders. You must be mindful of the fact that terms and conditions may apply.


Secured loans are among the best ways of obtaining a considerable sum of money. The only other worthy option that people with not-so-great credit history have is no Teletrack payday loans. With those types of loans, the lender doesn’t conduct a credit history check. Bad credit/unpaid debt does not impact your creditworthiness. However, if you compare the two, you will find that the no Teletrack loans come with higher interest rates.

No matter what you will end up choosing, you need to make a detailed plan beforehand. Even before you take the loan, you need to figure out how you’ll be able to repay it. This is the best way to ensure you meet your financial obligations – budgeting and planning ahead. Always compare the options available to you to find the best possible deal. Always make sure to check the contract that you’re signing.

How do lenders determine your creditworthiness?

When applying for a loan, your creditworthiness needs to be assessed by the lenders. There are numerous factors that affect the final decision. We are going to provide some brief info regarding the five C’s system to aid you to gain a better understanding of what your lender usually looks for:


Lenders might want to hear how you’re going to utilize the funds and they’ll take time to evaluate your loan’s purpose. Other things, such as financial and environmental conditions might be taken into consideration as well.


Lenders will definitely look into your credit history. They will access the info regarding your previous loans, history of payments, etc. Adding to that, many lenders also resort to using a credit score – simple numeric value dependent on the aforementioned report.


This concerns your saved funds, investments, and additional assets that might be utilized to pay off debt. Essentially, lenders determine if you have something to lean on in case you get fired or something similar to that.


This one is self-explanatory. The lenders estimate whether or not you can afford the payments. The final decision regarding this parameter is based upon your earnings and previous employment history. They might also calculate your DTI.

Collateral (secured loans only).

When requesting a secured loan, you end up pledging an asset as collateral – most frequently it’s a vehicle or a house. The true value of the collateral gets calculated with any prior debt with the same collateral used being deducted from its value.

With this information regarding the five C’s, you now have a good idea of what the lenders will look into while determining your creditworthiness and which types of questions you might be asked while you apply for a loan.

It should be noted that some lenders, such as California Payday Loans Online, do not perform this kind of a strict evaluation, the try to help as many people in a bad financial situation as possible, instead of rummaging through your laundry.

10 easy ways to get out of debt

If you’re deep in debt, things may seem pretty bleak. Worry not, there are numerous ways how to get out of debt and stay out of debt while still saving money.

Here’s our helpful list of things that you can do to save money or flat-out alleviate your financial situation:

#1. Couponing.

Some people look down on it, but you can save a ton of money just by doing your homework when it comes to the hottest coupon deals.

#2. Pull the plug on the cable.

Watching your favorite shows online will be easier on the wallet, there’s no doubt about it.

#3. Never eat out.

We realize that it’s easier than cooking at home. We know that it helps you feel good about yourself. However, if you decide to stop going out to eat, you can save plenty of money.

#4. Plan your shopping in advance.

Make a list, calculate the costs, always stick to your budget. No more impulse purchases. Please, don’t ever go grocery shopping on an empty stomach.

#5. Start saying “no.”

No to social gatherings that might worsen your financial situation, no to your own cravings for an overpriced Starbucks coffee and so forth. Embrace the no. Own it.

#6. Tell everyone that you’re on a budget.

Your kids, your SO, your friends. Everyone should know that you cannot allow yourself to spend more than this X amount you specified.

#7. Sell something, land a side gig.

Yeah, you will have to work even more/even harder to get out of debt. While this might be emotionally and physically draining, it’s one of the most effective ways of getting out debt faster.

#8. Look into refinancing.

You will be spoiled for choice when it comes to debt refinancing, it’s 2018, after all. There are plenty wisconsin payday loans companies out there, for example.

#9. Sell your vehicle.

It’s essentially a Hail Mary effort, but if you see your debt is spiraling out of control, you will have to sell your car before it’s too late.

#10. Ask for a raise.

One of the most overlooked tips out there. It probably won’t work, but it MIGHT work. You don’t have anything to lose and everything to gain.