Lorena Lozano

Buying your first home can seem overwhelming. Here’s three things to consider sooner rather than later in your journey especially with today’s historically low interest rates: Understand What it Takes to Purchase a Home: Learn as much as you can about the mortgage process, down payment options, and the overall steps to take along the way. Realize Your Opportunity to Build Wealth: Homeownership allows you to make a small down payment on a home, then watch your appr...eciation grow on the full value of the home. Find Someone You Trust to Help You Through the Process: Having someone guide you through this process is invaluable. An expert in your corner is a must to make sure you have the confidence and support you need at every turn. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

#yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Once you replace negative thoughts with positive ones, you’ll start having positive results. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

You’re off to great places, today is your day. Your mountain is waiting, so get on your way. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Chain Of Title Like a Blue Book for homes, the chain of title is the documentation of all past ownership of a property. It runs from the present owner to the very first owner of the property. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife... #realestate #realestateagent #home #property See more

A man travels the world over in search of what he needs and returns home to find it. George A. Moore #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife... #realestate #realestateagent #home #property See more

To Hire Or Not To Hire An Agent When Selling A Property. A good agent generally has your best interests at heart. They will help you set a fair and competitive selling price for your home, increasing your odds of a quick sale. An agent can also help tone down the emotion of the process by interacting with potential buyers and eliminating tire kickers who only want to look at your property but have no intention of making an offer. #yourrealtorlorena #sellbuyinvest #lightho...userealty #blessed #lovemyclients #realestateforlife #realestate #realestateagent #home #property See more

Thanksgiving is a time of togetherness, gratitude and new beginnings. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

First-Time Homebuyer? According to the U.S. Department of Housing and Urban Development (HUD), A first-time homebuyer is someone who meets any of the following conditions: -An individual who has not owned a principal residence for three years. If you’ve owned a home but your spouse has not, then you can purchase a place together as first-time homebuyers.... -A single parent who has only owned a home with a former spouse while married. -A displaced homemaker who has only owned with a spouse. -An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations. -An individual who has only owned a property that was not in compliance with state, local, or model building codesand that cannot be brought into compliance for less than the cost of constructing a permanent structure. #realestate #realestateagent #home #property #investment #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

"I believe that the only courage anybody ever needs is the courage to follow your own dreams." --Oprah Winfrey #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

DID YOU KNOW? When Apple was building a new data server in North Carolina, they paid one elderly couple $1.7 million for one acre of land. The couple had purchased the property 34 years earlier for $6,000.... #mortgage #realestate #mortgagebroker #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

What To Look For In A Mortgage: -APRC: (Annual Percentage Rate of Change) takes some mortgage fees into account as well as the interest rate and expresses it as a percentage. -Deposit size: the higher the deposit, the lower the interest rate you are likely to get.... -The standard rate: which your mortgage will switch to once your fixed-rate deal ends. -How often is interest charged?: Will it be paid daily, monthly, or annually? Daily interest works out cheaper. -Flexibility: can you overpay your mortgage without being charged and can you take a break from making payments? -Length of fixed or variable rate deal: do you want to be locked in for a long period. or have more flexibility? There will be charges if you switch out of a deal before it ends #mortgage #realestate #mortgagebroker #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

"Never limit yourself because of others’ limited imagination; never limit others because of your own limited imagination." -Mae Jemison #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Happy Veteran's Day! #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Make a Smart Move! I agree that a home changes everything; therefore, BUYING A HOME for the first time can feel like a monumental task. Because most of you’ve never done it before, so it’s obvious that you can’t possibly be an expert yet, but meanwhile, you want to confirm that you get the best rate possible and end up with a home you love. It’s a big job, for sure, but no need to worry as I am an experienced realtor and enjoy helping first time investors with amazing home... buying options. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife #RealEstate #firsttimehomebuyer #realestateinvesting

"Just don't give up trying to do what you really want to do. Where there is love and inspiration, I don't think you can go wrong." -Ella Fitzgerald #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

What do you prefer in your life: Memories or Things? If you have reevaluated and recognized that life is more about memories than what you own, then it's time to find a perfect home for you and your loved ones to make many new memories! Call me today so I can help you find your DREAM HOME.... #RealEstate #Dreamhome #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife See more

"The wise individuals of today invest their money in real estate and 90% of all millionaires become so through owning real estate." I suggest you buy real estate when other people want to sell. But, once you buy then hold on to what you buy and wait, because real estate investing, even on a very small scale, remains a tried and true means of building an individual’s cash flow and wealth. ... #RealEstate #InvestmentTips #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife See more

The only thing we have to fear is fear itself...and spiders #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Fall is here, and you know what that means Piles and piles of leaves to rake! Be sure to stay on top of it, your front yard is your home’s first impression. #autumn #fallingleaves #thattimeofyear #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Everything you’ve ever wanted is on the other side of fear. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

A common myth is that renting is cheaper than paying a mortgage. In most cases, you pay just as much in rent as you would your own mortgage. There’s no need to pay regularly to build someone else’s wealth, build your own! #realestatemyth #renting #homebuying #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

According to energystar.gov, the ideal home temperature should be between 70 - 78 degrees Fahrenheit (depending on the season). Where do you set your thermostat, and is it to save on energy or entirely for comfort? #thermostattemp #idealhometemp #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

A Quick Pro Tip: If you’re looking to make a small room in your home feel bigger, try adding a mirror or some brighter colors. These are tried and true ways to make a smaller space appear larger! ... #protip #homehacks #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife See more

The same boiling water that softens the potato hardens the egg. It’s what you’re made of. Not the circumstances. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

You’d be surprised how often people look at what’s behind you in your Zoom meetings. Show a bit of flair and make your at-home workplace a bit more personalized! #athomeworkspace #zoommeetings #webcambackdrops #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

October is Italian-American Month! How do you express your italiano heritage in your home? #italiamamericanmonth #italianhomes #october #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

If people are doubting how far you can go, go so far that you can’t hear them anymore. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Settling down after a long day of work is a special thing. When buying a home, remember it’s important to think about family first. #ediefalcoquote #home #family #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

What are some of the coziest living rooms that you’ve seen? Or maybe you're the proud owner of one yourself! I always say the more pillows the better. #livingrooms #comfy #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

October is national Eat Better, Eat Together month! You’d be surprised how good of a feeling it is to share a meal with your loved ones Feel free to share some of your favorite family meals in the comments. ... #eatbettereattogether #october #familydinner #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife See more

Don’t worry about failures, worry about the chances you miss when you don’t even try. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

The Housing Market Is on fire! Buyers continue to face fierce competition from a limited number of homes for sale, which continues to fuel bidding wars across the country. Nationwide, 58% of homes priced between $600,000 and $800,000 faced a bidding war in August, the most competitive price segment. When the market started getting really hot a few months ago, at first we just saw the lower-priced homes selling fast with multiple offers, now it’s nearly every home at ev...ery price level. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

What you get by achieving your goals is not as important as what you become by achieving your goals. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

67.9% of Americans own a home. According to the latest quarterly residential vacancies and homeownership report issued by the United States Census Bureau, the homeownership rate in the United States increased to 67.9% in the second quarter of 2020. This is 2.6% higher than that of the first quarter of 2020 and 3.8% higher than the homeownership rate in the second quarter of 2019.... #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Fabulous house or a good neighborhood? Houses can be adapted to meet your needs, but neighborhoods take years to change. And there’s no guarantee they’ll change for the better. Choosing the right neighborhood is arguably the most important decision you will make, and the whole family needs to be involved in the discussion. Have each member list neighborhood characteristics that are important to him or her. ... Start by focusing on the characteristics you like best about your old neighborhood. Once you have formed a picture of an ideal neighborhood, you can begin to research your options. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

If you can't fly then run, if you can't run then walk, if you can't walk then crawl, but whatever you do you have to keep moving forward. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Most Buyers Are Willing to Blow Their Budget on a Home Sixty-four percent of more than 1,000 home buyers recently surveyed say they are willing to go over budget for their perfect house. That sentiment is particularly strong for millennials76% of millennials say they’re willing to pay more for a home, according to a recent LendingTree survey. Overpaying is one of the downsides of very low-interest rates. Coupled with tight inventory in some areas, it increases the risk... of bidding wars over asking price. Forty-eight percent of first-time home buyers say they're most stressed about finding a home within their budget. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

9/11 - NEVER FORGET #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

A recent study from HarrisX shows the current health crisis isn’t slowing down today’s homebuyers. Many buyers are accelerating their timelines to take advantage of low mortgage rates! #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Never regret a day in your life. Good days bring you happiness and bad days give you experience. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Exploring the Benefits of a Real Estate Qualified Estate Plan: When it comes to thinking about asset protection for real estate investing, we tend to focus on LLCs, corporations, tax strategies, etc. What can get missed in all of the discussions is estate planning. Whatever our motivations are do not lose sight of the fact, you are also creating generational wealth. Generational wealth can be the foundation for future family members to build upon. A lifetime of hard ...work is easily dismantled when a real estate investor has no plan or relies upon a will to handle the job. Unfortunately, both solutions lead straight to probate and unnecessary stress and heartache for your family. As a real estate investor, you shouldno mustseriously consider a Real Estate Qualified Estate Plan that should be drafted to ensure the preservation of your investments held by you directly or through an IRA or retirement plan. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

You’ve got to get up every morning with determination if you want to go to bed with satisfaction. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

Home Sellers Have the Upper Hand as High Demand Meets Low Inventory Meanwhile, the divide between the for-sale and rental markets widened as rent growth continued to slow. The for-sale housing market has been red hot despite enormous job losses across the country, and home values have steadily climbed. The typical home value was $253,527 in July, up 4.5% year over year -- the fastest pace since May 2019. Annual home value growth accelerated from June in 42 of the 50 la...rgest US Metro areas. Homes sold in July typically went under contract after only 16 days, two days faster than the previous monthly low in Zillow data that dates back to January 2018. Month-over-month home value growth jumped from 0.4% in June to 0.48% in July, the biggest one-month acceleration since May 2012. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

New Refinancing Fee Could Roil Mortgage Market The Federal Housing Finance Agency has announced a new mortgage refinancing fee that could cost homeowners about $1,500 extra on a $300,000 loan. The fee is "the absolute wrong policy at the wrong time," Vince Malta, president of the National Association of REALTORS, said in a statement Thursday. ... The FHFA, has implemented a new price adjustment for refinance transactions of 0.5% of the loan amount. If the refinance application is already locked in, lenders will be unable to adjust and will have to absorb the fee themselves. However, if the refinance application isn’t locked, the consumer likely will have to pay the fee, HousingWire reports. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife See more

"Good things happen in your life when you surround yourself with positive people." ~ Roy Bennett #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife

As Home Prices Rise, More Owners Become ‘Equity Rich’ Despite the pandemic, home values continued to climb in the second quarter, with 15.2 million residential properties in the U.S. considered equity rich, That means the combined estimated amount of loans secured by those properties was 50% or less of their estimated market value. About 28% of properties in the second quarter were equity rich, up from 26.5% in the first quarter, according to the report. ... The housing market still faces enormous challenges, given historically high unemployment, the recession, and the pandemic. If that continues, owner equity will be seriously threatened, But for now, homeowners are enjoying the gains when it comes to what, for most, is their most significant asset. #yourrealtorlorena #sellbuyinvest #lighthouserealty #blessed #lovemyclients #realestateforlife