Two Great Reasons to Buy not Rent
I'm working during the holidays, please call if you need any help.
Loans are available with 1/2% down payment.
Wednesday, December 17, 2014
Thursday, October 30, 2014
Buying a Home with as Little as 3-5% Down Payment
Buying a Home with as Little as 3-5% Down Payment
It is amazing that many folks believe they need more to buy a home, than they actually do.
Call me, we can get loans for as little as 1/2 % down!
It is amazing that many folks believe they need more to buy a home, than they actually do.
Call me, we can get loans for as little as 1/2 % down!
Tuesday, October 21, 2014
5 Demands to Make on Your Real Estate Agent
5 Demands to Make on Your Real Estate Agent
I'm available throughout the holidays to help you sell your home. Get you the best price possible and a highly qualified buyer.
Client care and red carpet service.
I'm available throughout the holidays to help you sell your home. Get you the best price possible and a highly qualified buyer.
Client care and red carpet service.
Saturday, October 4, 2014
America's Youth & Homeownership [INFOGRAPHIC]
America's Youth & Homeownership [INFOGRAPHIC]
More and more younger couples are getting into the real estate market. It's great to see such a young crowd buying their first homes. I recently sold a beautiful home in Ramona to a young VA buyer, qualifying with one income ! They were so excited and eager...trusting me all the way.
More and more younger couples are getting into the real estate market. It's great to see such a young crowd buying their first homes. I recently sold a beautiful home in Ramona to a young VA buyer, qualifying with one income ! They were so excited and eager...trusting me all the way.
Tuesday, September 30, 2014
Be Quiet Chicken Little! Real Estate is Just Fine
Be Quiet Chicken Little! Real Estate is Just Fine
I'm busier than ever. Cash seems to have quieted down, when it come to other offers being submitted on properties my buyers place offer on. Some closing costs are being paid by sellers. Holidays are approaching and only the motivated are out and about looking.
Call me if you want a no nonsense way of real estate.
I'm busier than ever. Cash seems to have quieted down, when it come to other offers being submitted on properties my buyers place offer on. Some closing costs are being paid by sellers. Holidays are approaching and only the motivated are out and about looking.
Call me if you want a no nonsense way of real estate.
Tuesday, September 23, 2014
The Truth About Buying a Home: You DON'T Need 20% Down
The Truth About Buying a Home: You DON'T Need 20% Down
I have a lender that can get a 1/2% down loan for you. Call me for details.
"The Holidaze" are fastly approaching. Don't be put off by shopping for a home during the holidays, that is when you can find some of the best bargains.
Call me if you're looking for a new home, income producing or relocating.
I have a lender that can get a 1/2% down loan for you. Call me for details.
"The Holidaze" are fastly approaching. Don't be put off by shopping for a home during the holidays, that is when you can find some of the best bargains.
Call me if you're looking for a new home, income producing or relocating.
Thursday, September 11, 2014
Getting A Mortgage: Why So Much Paperwork?
Getting A Mortgage: Why So Much Paperwork
We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago. There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any time in history.The government has set new guidelines that now demand that the bank prove beyond any doubt that you are indeed capable of affording the mortgage. During the run-up in the housing market, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen againThe banks don’t want to be in the real estate business. Over the last seven years, banks were forced to take on the responsibility of liquidating millions of foreclosures and also negotiating another million plus short sales. Just like the government, they don’t want more foreclosures. For that reason, they need to double (maybe even triple) check everything on the application.However, there is some good news in the situation. The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a mortgage interest rate probably below 5%. The friends and family who bought homes ten or twenty ago experienced a simpler mortgage application process but also paid a higher interest rate (the average 30 year fixed rate mortgage was 8.12% in the 1990’s and 6.29% in the 2000’s). If you went to the bank and offered to pay 7% instead of <5%, they would probably bend over backwards to make the process much easier.Bottom LineInstead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.
Call me... I have a couple great lenders, that will get you the best possible rate.
We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago. There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any time in history.The government has set new guidelines that now demand that the bank prove beyond any doubt that you are indeed capable of affording the mortgage. During the run-up in the housing market, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen againThe banks don’t want to be in the real estate business. Over the last seven years, banks were forced to take on the responsibility of liquidating millions of foreclosures and also negotiating another million plus short sales. Just like the government, they don’t want more foreclosures. For that reason, they need to double (maybe even triple) check everything on the application.However, there is some good news in the situation. The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a mortgage interest rate probably below 5%. The friends and family who bought homes ten or twenty ago experienced a simpler mortgage application process but also paid a higher interest rate (the average 30 year fixed rate mortgage was 8.12% in the 1990’s and 6.29% in the 2000’s). If you went to the bank and offered to pay 7% instead of <5%, they would probably bend over backwards to make the process much easier.Bottom LineInstead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.
Call me... I have a couple great lenders, that will get you the best possible rate.
Sunday, September 7, 2014
Military Buyers ...Let me help you!
I just finished assisting another VA Buyer purchase their first home. I also helped another VA Buyer with refinancing, from a lender that was going to charge the homeowner way too much.
I can $AVE you money...just let me.
Call me today... to see how you qualify.
Friday, September 5, 2014
The Cost of Renting vs. Buying [INFOGRAPHIC]
The Cost of Renting vs. Buying [INFOGRAPHIC]
Call me if you need any help getting financing for your home purchase.
Call me if you need any help getting financing for your home purchase.
Tuesday, August 26, 2014
Monday, August 25, 2014
This is no "Soft Market" in San Diego County.
Great bits of info to keep you current . San Diego, Riverside and Orange County are being good to me. My buyers are getting offers accepted and moving in !
A ‘Soft’ Housing Market? We Beg to Differ!
A ‘Soft’ Housing Market? We Beg to Differ!
Wednesday, August 20, 2014
Little House On The Prairie?
Whatever you're looking for in a home...wherever, call me and we'll get it done...right!
5 Reasons You Shouldn’t For Sale by Owner
5 Reasons You Shouldn’t For Sale by Owner
Bottom Line...sit down with a couple different agents and see what they have to offer you. It's a relationship like any other, built on trust, respect and communication.
Bottom Line...sit down with a couple different agents and see what they have to offer you. It's a relationship like any other, built on trust, respect and communication.
Tuesday, August 19, 2014
Thursday, July 31, 2014
Saturday, July 19, 2014
Tuesday, July 15, 2014
Thursday, July 10, 2014
When Character is More Valuable than Competence
When Character is More Valuable than Competence
Love what you do and enjoy each person you make a connection with.
Love what you do and enjoy each person you make a connection with.
Wednesday, July 9, 2014
Monday, June 16, 2014
5 Reasons to Sell Now!
5 Reasons to Sell Now!
I am totally behind this. Please call me for a FREE (No Hassle) Comparable Market Analysis.
I am totally behind this. Please call me for a FREE (No Hassle) Comparable Market Analysis.
Monday, May 5, 2014
Monday, April 14, 2014
Wednesday, February 12, 2014
Thursday, January 16, 2014
Two Controversial Mortgage Products Agents Should Know About
These two mortgage products might be useful for you. I have a couple great lenders I can refer to you. Please give me a call.
Two Controversial Mortgage Products Agents Should Know About
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