Buyers are Searching For Your House

The most recent Pending Homes Sales Index from the National Association of Realtors revealed a slight bump in contracts with an increase of 1.6% in December. This news comes as existing home sales are also forcasted to be on pace for 5.54 million in 2017, a 1.7% increase over 2016, which was the best year [...]

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Build your Real Estate Portfolio Starting with your Own House

The holidays are a great time to create your list of wants-and-needs for a new home. While you are at it, also ask yourself a question: Should you rent out your existing house instead of selling? Recent news shows that buying is cheaper than renting. When you turn that around it means rents are up [...]

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What a Buyer Should Know About Open Houses

It’s an open house — the first thing you know is that it will be beautiful. Or as beautiful as possible. Don’t let the decoration sell you. Almost everyone stages a home. As a buyer, the main thing you have to focus on are structural issues. You can ask for a disclosure sheet that lists [...]

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When a Letter Can Change Your Life

In locales all over California, housing supply is tight. The homes that are on the market are usually snapped up quickly, often to cash buyers. Home buyers who want their offer to stand out can often send a letter to the seller and, when done properly, letters can help close the deal. Let’s look at a true [...]

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The Truth About Choosing The Best House for You

You may think you come to me only when you need a loan for a new home. That’s only partly true. You will also get the very best financial advice I can offer. As you begin your home search, now is a good time to discuss the issue of choosing the home you can afford versus [...]

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How to Boost your Home’s Curb-Appeal on a Tiny Budget

Not only does the exterior add value to your home, but it’s also the first picture potential home buyers see when you list your home for sale. I wanted to share with you few ways to enhance the curb appeal of your home with some elbow grease, and without spending a lot of money. Clean [...]

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Conventional Mortgage Insurance – How To Drop It

There’s a lot of confusion around mortgage insurance attached to conventional loans (not FHA loans which come under different rules). How and when can you get it cancelled? There are basically 3 ways to eliminate mortgage insurance from your monthly mortgage payment. Borrower-requested termination: Borrower must initiate request in writing to loan servicer Borrower must [...]

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How to Avoid Last Minute Grief When You Need a Mortgage

There’s a new trend that has raised its ugly head – tax return fraud. Now, before your eyes glaze over, listen up. Back in the day, before the “meltdown” of 2008, lenders were so anxious to make loans they didn’t focus on the borrowers’ income. Frankly, they didn’t seem to care as long as they, [...]

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One More Time… You Do Not Need 20% Down To Buy NOW

A survey by Ipsos found that the American public is still somewhat confused about what is actually necessary to qualify for a home mortgage loan in today’s housing market. The study pointed out two major misconceptions that we want to address today. 1. Down Payment The survey revealed that consumers overestimate the down payment funds [...]

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10 Tips for Protecting Your Home During Vacations

I hope you all have a safe and relaxing time during your vacation this summer. It’s crucial that we all have time to recharge and recognize what’s important in life. We only go around once, so it’s important to savor what we have. Before you leave town, I thought you might be interested in a [...]

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