The Mortgage Genius / Above All Real Estate / James Clark

The Mortgage Genius / Above All Real Estate / James Clark Welcome to Above All Real Estate Services, Inc. on Facebook. Home of The Mortgage Genius, James Clark.

Enjoy a cheesy beef quesadilla that’s simple, tasty, and family-friendly.
06/08/2026

Enjoy a cheesy beef quesadilla that’s simple, tasty, and family-friendly.

If you’re a huge fan of quesadillas, this oven version of cheesy beef quesadillas is a perfect meal for busy nights. Crispy on the...

Follow these expert tips to create a moving inventory list.
06/07/2026

Follow these expert tips to create a moving inventory list.

This comprehensive guide will show you how to create a moving inventory list that will keep you on track & organized.

06/06/2026

It’s easy to get emotionally attached to a home fast — especially when it photographs well and checks your first few boxes.

Before you fall in love, ask yourself these three questions:

1. Does this home actually fit my daily life?
Think commute, storage, layout, parking, and how you’ll use the space.
2. Can I comfortably afford more than just the purchase price?
Look beyond the mortgage and think about utilities, insurance, taxes, maintenance, and moving costs.
3. Am I excited about the home — or just reacting to the pressure of the market?

A competitive market can push buyers to move emotionally instead of strategically.

The right home should make sense on paper and in real life.

A little pause up front can save a lot of regret later.

Traditionally modern is an accurate description of this  .
06/06/2026

Traditionally modern is an accurate description of this .

El Escorial Renovation by Ábaton in Madrid, Spain, 2023. Prioritizes sustainability, original structure. Surrounds forest.

Finishing a basement can be a big project. Here are some tips to consider.
06/05/2026

Finishing a basement can be a big project. Here are some tips to consider.

Design your finished basement project. Take advantage of savings at every step of the way. Expert tips to help you stay on time and on budget.

Discover a home where barns meet modern living amid serene landscapes.
06/04/2026

Discover a home where barns meet modern living amid serene landscapes.

House on Sag Harbor sits in Sag Harbor, New York, United States, by 1100 Architect, designed in 2024, with cross-barn wings oriented to the bay.

House hacking isn't about living for free — it's about making homeownership possible when it otherwise wouldn't be. In 2...
06/04/2026

House hacking isn't about living for free — it's about making homeownership possible when it otherwise wouldn't be. In 2026, the strategy is less about eliminating a mortgage payment and more about engineering one you can actually afford. 🏡

Here's what's working:

✅ ADUs (accessory dwelling units) — Fannie Mae now lets buyers count projected ADU rental income toward mortgage qualification, up to 30% of total qualifying income

✅ Multi-generational homes — 14% of all home purchases in the last year were multi-generational, with Gen X leading at 19%

✅ Small multi-family properties — FHA loans allow up to 4 units with just 3.5% down if you live in one

✅ Realistic expectations — If rental income cuts your $3,800 payment down to $2,200, that's a win

The math has to work. The zoning has to be legal. And the lifestyle has to fit. But for the right buyer, house hacking can turn a closed door into an open one.

Read the full article by clicking on the picture below 👇

If you've spent any time on real estate TikTok in the last few years, you've probably seen the house hacking pitch. Buy

Online transfers may let you move credit card funds to your bank.
06/02/2026

Online transfers may let you move credit card funds to your bank.

A cash advance is a fast way to get cash from your credit card, but it comes with high fees and interest. Learn how to get cash from your credit card.

Discover ways to separate home from hustle in style.
06/01/2026

Discover ways to separate home from hustle in style.

Learning how to leave work at work is essential for your professional and personal well-being when you work at home.

Find out if your homeowners insurance will cover a roof leak.
05/31/2026

Find out if your homeowners insurance will cover a roof leak.

If you're wondering if your homeowners insurance will cover roof leaks and the damages that often result, this article covers what you need to know.

Address

5857 Owens Avenue
Carlsbad, CA
92008

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+17604946222

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