Sherry Rouse with Realty World of the Bay

Today is Indigenous Peoples' Day. The Indigenous Peoples' Day Family Action Toolkit is an excellent resource for children and families on how to start talking a...bout Indigenous Peoples' Day and decolonization. This resource is provided by Raising Luminaries and includes a kid friendly word bank, a sample land acknowledgment, a collaborative action bingo, and many additional resources that you can learn from not just today, but every day. https://booksforlittles.com/.../toolkit-indigenous.../ How are you acknowledging Indigenous Peoples' Day?

I'm hosting a holiday open house today at 2613 Goldpine ct in Antioch's Lone Tree Estates. Over 3200 sq ft of Luxury. Wed Dec 18 from 11am until 2 pm. See you there

Client testimonial Sherry, I have informed others about you and the help you provided my husband and I when we sold our home in Hercules. Walked into your office one day and 7 days later our house was sold. Had open house 1 day and it was sold!! To this day we appreciate all the help you provided in selling our home. ... Thank you again, Diane

Are you aware that there are at least 4 low down payment financing options? If you are limited to a down payment between 3-5% you will be surprised at how affordable buying a home really is. Compare these options below and research the details for the product that best fits your needs. Traditional FHA - 3.5% Down by far the most popular program out. Pros - Best rate out there of all 3 programs. Ask for a lender credit! Pricing is generous. - Most lenders do not have a fico a...dd-on for scores below 640/660 and some with none. - Allows for some credit exceptions- non-traditional credit allowed. - You can add the costs and fees to your loan amount. Cons - Hefty Upfront Mortgage Insurance of 1% is going up to 1.75% on some LTV's - Monthly mortgage insurance in addition to up front fee. - Condo's must be FHA approved ahead CalHFA FHA - 1% Down or $1000 minimum investment (going away!) Same Pros/Cons with minor details below Additional Details- FHA combined with CHDAP (down payment assistance) - Silent Second of 3% - no payments on this loan! - First time home buyer only - Income limits based on individuals in household and county guidelines 3% or 5% down Conforming program w/ Lender paid Single Premium Mortgage Ins Pros - Rates and Add-ons are based on a traditional programs. Low Rates! - No monthly Mortgage Insurance - 3% seller paid concessions allowed - Condo approvals allowed unlike FHA Cons - Costs paid up front and can not be rolled in to the loan - Credit score sensitive- Add-ons Fannie Mae's Homepath - 3% or 5% down (purchase only) Pros - Rates and Add-ons are based on a traditional programs - No monthly Mortgage Insurance - No upfront fee - 6% seller paid concessions - No Condo Approvals necessary - No appraisal required Cons - Costs paid up front and can not be rolled in to the loan - Credit score sensitive- Add-ons - Home must be Fannie Mae owned and on the list @ www.homepath.com These are available to most individuals. These are just Bullet points and are not full guidelines nor do they represent full advantage or disadvantage. Please check individual guidelines for accuracy.