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Thelma Centeno
(909) 467-1500 YourKey@rayboninc.com
  • 537 N. Euclid Ave Ste:100
    Ontario, CA 91762
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California Regional Multiple Listing Service

The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. Information provided is for viewer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional.

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Your Complete Guide to First Time Home Buyer Tips in San Diego

Buying your first home is an exciting milestone, and doing it in a city as vibrant as San Diego makes it even more special. From the coastal breeze of Pacific Beach to the historic charm of North Park, San Diego offers a diverse range of neighborhoods each with its own unique character. But navigati...

  • By Richard Centeno
  • Jul 10, 2026
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San Diego Real Estate Trends 2025: What Home Buyers and Sellers Need to Know

San Diego's real estate market continues to be one of the most dynamic and sought-after housing markets in California. Whether you are a first-time buyer, a growing family looking for more space, or a homeowner considering a sale, understanding the latest real estate trends in San Diego, California,...

  • By Richard Centeno
  • Jul 10, 2026
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Preparing Your Home to Sell in San Diego: A Complete Guide for Homeowners

San Diego's real estate market remains one of the most dynamic and desirable in California, offering homeowners a unique opportunity to maximize their property's value when selling. Whether you own a coastal bungalow in Pacific Beach, a family home in Carmel Valley, or a downtown condo in East Villa...

  • By Richard Centeno
  • Jul 10, 2026
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San Diego Mortgage Preparation: Expert Guidance for Buying a Home with Richard Centeno at RayBon Mortgage

Buying a home in San Diego, California is exciting—and competitive. With micro-markets ranging from coastal condos in Pacific Beach to family homes in Scripps Ranch and new builds in Otay Ranch, understanding how to prepare for a mortgage here is the single best way to shop with confidence, move qui...

  • By Richard Centeno
  • Feb 27, 2026
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San Diego Mortgage News: Expert Insights and Local Strategies from Richard Centeno at RayBon Mortgage

San Diego, California is one of the most dynamic housing markets in the country, and staying on top of mortgage news here can make the difference between winning your dream home and watching it go to another buyer. From high-balance conforming loans and jumbo financing on the coast to VA loan advant...

  • By Richard Centeno
  • Feb 27, 2026
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Exploring Various Loan Options in San Diego, California

Navigating the world of loans can be daunting, especially in a dynamic market like San Diego, California. Whether you're a first-time homebuyer, seasoned investor, or someone looking to refinance an existing loan, understanding your options is crucial. Richard Centeno at RayBon Mortgage is dedicated...

  • By Richard Centeno
  • Feb 28, 2025
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Exploring Diverse Mortgage Loan Options in San Diego, California

Navigating the mortgage landscape can be daunting, especially in a dynamic and competitive market like San Diego, California. However, with the expert guidance of Richard Centeno at RayBon Mortgage, prospective homeowners and investors can find the most suitable mortgage loan options tailored to the...

  • By Richard Centeno
  • Feb 21, 2025
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Unlocking the Benefits of VA Home Loans in San Diego, California

Homeownership is a significant milestone in life, and for veterans and active military personnel residing in San Diego, California, VA Home Loans are an invaluable resource. These loans offer attractive benefits that make purchasing or refinancing a home much more accessible. In this article, we'll...

  • By Richard Centeno
  • Feb 14, 2025
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Unlocking Homeownership in San Diego: Your Guide to Conventional Home Loans

San Diego, California, a city renowned for its sunny skies, beautiful beaches, and vibrant culture, continues to be a sought-after destination for homebuyers. The city's diverse neighborhoods offer a range of real estate opportunities, making it crucial for prospective buyers to have a clear underst...

  • By Richard Centeno
  • Feb 14, 2025
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