Homes by Niesha

IT’S WOMEN’S DAY!! how are you celebrating today??

Sunday is for #recap and #recalibration What went well this week? What needs to get done next week? What do I need to accomplish my goals?... And with March coming on strong, I have to set my sights on ending Q1 on an exceptional note. How do you end your week and prep for #monday? #consistency2021

My guys are always up for an adventure! #consistency2021

Earnest Deposit is usually 1-3% of the purchase price that is submitted with the sales contract. It is a deposit that shows your interest in the property and will be used toward your down payment when buying a home. #consistency2021

Your buyer’s agent is your advocate. They are boots on the ground helping you navigate the buying process. Here are the benefits of hiring a buyer’s agent (it’s me - I’m your buyer’s agent): -My services are offered at no cost to you (the seller pays my fees)... -I establish a personalized plan for your home buying process from pre-approval through key day -I focus your search on your wants and needs to make your dreams a reality -I explain every step so you’re informed and empowered -NEGOTIATION, NEGOTIATION, NEGOTIATION! What questions can I answer for you? #consistency2021

Houseplants have found their way into the hearts of many-a family this past year. But, before you go packing up and moving your beloved plant across town, here are three things you should know before you buy: 1. Know your credit - it’s no secret that a credit score can make or break your chances of owning a home. Did you know that a huge part of your credit score has to do with your available credit amount? You can pay down your debts, but asking for a credit increase can a...lso help improve your score (just don’t use your newly acquired increased limit ). The sooner you know and control your numbers, the better positioned you are to find a new home. 2. Know your loan options - FHA, VA, USDA, Conventional... all are loan types with pros and cons based on your specific scenario. There are even some great down payment assistance programs that help you bring less money to the closing table, possibly getting you into your home that much faster! Weigh your options so you know how to plan ahead. 3. Know your team - it takes a team of people to make homeownership a reality. And my team serves through relationship building. We get to know you, your wants and your needs to make your dreams a reality. The sooner we get to know you, the better. Don’t be shy! We will put together a customized plan to get you where you need to be. Share this info with a friend. I’m always here to help! See more

Mortgage interest rates are crazy good right now. But if you hope to get the best mortgage rate possible, you’ll need to make sure that you are well-qualified. Below are some of the key criteria that mortgage lenders evaluate, as well as some tips you can use to improve your current standing. Credit ScoresThe higher your credit score, the lower your mortgage rate Employment and Income StabilityMortgage lenders prefer candidates that can prove steady employment for at le...ast the past two years Debt-to-Income RatioMeasures the total of all of your monthly minimum debt payments, plus your proposed new housing payment, divided by your stable monthly gross income. Tell me what you come up with! Down PaymentSince mortgages are price adjusted based on risk factors, a loan with 5% down is considered higher risk than one with 20% down, and will carry a higher interest rate. Cash ReservesThe standard requirement for cash reserves on a mortgage is two months You must have enough liquid cash after closing to cover your new mortgage payment (principal, interest, taxes, and insurance) for at least the next 60 days Once you’ve positioned yourself for the best mortgage rate, it’s time to comparison shop.Don’t know where to begin? Contact me and I will connect you with a few good lenders. Photo by @shophouseofnomaddesign

When is the best time to buy? Is now the right time to buy the house you always wanted? If you have been sitting on the sidelines for the past few months waiting for the right time to purchase that house you always wanted, It’s important to consider: Available inventory... Research interest rates How much house can you afford Let's chat and I can give you the answers!

In the midst of distractions, stay focused! Your goals can be achieved!

San Joaquin County Residents: There are two grant programs available for COVID-19 assistance. The Family COVID-19 Assistance Grant Program currently has $5 Million available for those financially harmed by the COVID-19 pandemic and are struggling with rent/lease, mortgage, and utility costs. Families must have incomes below specified thresholds. The Small Business Grant Program will provide financial... assistance to small businesses located in San Joaquin County to address expenses for rent/lease, mortgage, utilities, or personal protective equipment for business who suffered financial harm due to COVID-19. For additional information, please see the attached press release. https://mountainhousecsd.org//Small_Business_Grant_Funding