Carmen Honesto, Realtor

"But my Zestimate says..." Zip it on the Zestimate. Here's why you shouldn't trust the figures given to you by any website providing real estate value estimations. Algorithms - The numbers on value estimating websites are based on algorithms using information and averages gleaned from public records about an address. They use square footage, number of bedrooms and bathrooms, prior sales information, and tax values. Property Condition - There is no way to evaluate t...he actual condition of the property when online calculators are used. Their numbers just don't consider if the property has been poorly maintained or if the interior has been completely updated. Market Trends - Online property value estimators cannot show what's going on in any specific market. Estimates are usually off by at least 10%, which can mean thousands of dollars missed. Wondering how to get the most accurate value of any home? Contact a licensed real estate agent (I know a good one ) to have your property evaluated based on its condition, current market trends, and most recent comparable sales. . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

"But my Zestimate says..." Zip it on the Zestimate. Here's why you shouldn't trust the figures given to you by any website providing real estate value estimations. Algorithms - The numbers on value estimating websites are based on algorithms using information and averages gleaned from public records about an address. They use square footage, number of bedrooms and bathrooms, prior sales information, and tax values. Property Condition - There is no way to evaluate t...he actual condition of the property when online calculators are used. Their numbers just don't consider if the property has been poorly maintained or if the interior has been completely updated. Market Trends - Online property value estimators cannot show what's going on in any specific market. Estimates are usually off by at least 10%, which can mean thousands of dollars missed. Wondering how to get the most accurate value of any home? Contact a licensed real estate agent (I know a good one ) to have your property evaluated based on its condition, current market trends, and most recent comparable sales. . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Escrow is used in real estate transactions to protect both the buyer and the seller throughout the home buying process. Throughout the term of the mortgage, an escrow account can hold funds for taxes and homeowner’s insurance. .... . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Escrow is used in real estate transactions to protect both the buyer and the seller throughout the home buying process. Throughout the term of the mortgage, an escrow account can hold funds for taxes and homeowner’s insurance. .... . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

If you’re looking to buy a home, you may be wondering how your student loan debt could impact those plans. Do you have to wait until you’ve paid off your student loans before you can buy your first home? Or could you qualify for a home loan with that debt? Call me today to connect you to my preferred lenders to discuss your options and find out how close you are to achieving your goal.... Other buyers with student loan debt are already achieving their homeownership dreams. Maybe it’s time to take the next step toward making yours a reality. . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

If you’re looking to buy a home, you may be wondering how your student loan debt could impact those plans. Do you have to wait until you’ve paid off your student loans before you can buy your first home? Or could you qualify for a home loan with that debt? Call me today to connect you to my preferred lenders to discuss your options and find out how close you are to achieving your goal.... Other buyers with student loan debt are already achieving their homeownership dreams. Maybe it’s time to take the next step toward making yours a reality. . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Planning to sell? Here’s a heads up on the 6 most common seller mistakes I see that you’ll definitely want to kick to the curb: Taking low offers personally. Overpricing your home "just to see if anyone will bite." Being unwilling to depersonalize or remove clutter.... Underestimating the importance of listing photos. Concealing major home issues from your agent. Leaving your pets out or hanging around during showings. Selling a home is exciting, but it can sometimes be stressful. Hiring an agent to guide you through the entire process is a smart choice if you want to ENJOY selling your home. Want to chat more? Send me a DM, and I'll be in touch! . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Planning to sell? Here’s a heads up on the 6 most common seller mistakes I see that you’ll definitely want to kick to the curb: Taking low offers personally. Overpricing your home "just to see if anyone will bite." Being unwilling to depersonalize or remove clutter.... Underestimating the importance of listing photos. Concealing major home issues from your agent. Leaving your pets out or hanging around during showings. Selling a home is exciting, but it can sometimes be stressful. Hiring an agent to guide you through the entire process is a smart choice if you want to ENJOY selling your home. Want to chat more? Send me a DM, and I'll be in touch! . . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Home Buyer Tips If you are in the market to buy a home, lenders will use your credit scores to decide whether they're willing to lend to you and at what interest rate. Checking your credit history, fixing any errors, and knowing your credit scores will put you in the best possible shape for getting a mortgage. ... Are you in search of a home in Kern County? Or considering putting your house on the market? Contact me today! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Home Buyer Tips If you are in the market to buy a home, lenders will use your credit scores to decide whether they're willing to lend to you and at what interest rate. Checking your credit history, fixing any errors, and knowing your credit scores will put you in the best possible shape for getting a mortgage. ... Are you in search of a home in Kern County? Or considering putting your house on the market? Contact me today! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Many receive their tax return and are unsure if it will provide much contribution towards a home purchase. Well, here are a few areas you can save your return towards. The prices of these expenses vary from a few hundred dollars for an (inspection/appraisal)or the larger expenses (down payment/closing cost). ... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Many receive their tax return and are unsure if it will provide much contribution towards a home purchase. Well, here are a few areas you can save your return towards. The prices of these expenses vary from a few hundred dollars for an (inspection/appraisal)or the larger expenses (down payment/closing cost). ... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

You've heard the expression "you can't judge a by its cover," right? Well, you certainly can't judge a by its exterior! Here are reasons why a home inspection is a MUST when making the biggest purchase of your life. Costly problems can go unseen for many years. An inspector will do a thorough check for any safety, structural, or functional issues that may soon become your headache. You may spend several hundred dollars on the inspection, but knowing what is w...rong with a home upfront will save you money in the long run, especially if the seller is willing to cover the cost of some of those repairs. Any defects or issues can be written into the contract for sale as conditions for the seller before you purchase the property. Knowledge gained from the inspection provides bargaining power! Finally, completing an inspection during your option period provides you with valuable information and can determine whether you cancel a contract or move forward with the transaction. Did your home inspection uncover some hidden issues? (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

You've heard the expression "you can't judge a by its cover," right? Well, you certainly can't judge a by its exterior! Here are reasons why a home inspection is a MUST when making the biggest purchase of your life. Costly problems can go unseen for many years. An inspector will do a thorough check for any safety, structural, or functional issues that may soon become your headache. You may spend several hundred dollars on the inspection, but knowing what is w...rong with a home upfront will save you money in the long run, especially if the seller is willing to cover the cost of some of those repairs. Any defects or issues can be written into the contract for sale as conditions for the seller before you purchase the property. Knowledge gained from the inspection provides bargaining power! Finally, completing an inspection during your option period provides you with valuable information and can determine whether you cancel a contract or move forward with the transaction. Did your home inspection uncover some hidden issues? (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

We are almost there! After inspections are done, we wait for the mortgage lender to give us the clear-to-close. This means the mortgage underwriter has officially approved all documentation required to fund the loan. All that remains is the actual closing process. Here's what's going to be happening while we wait for those magic words:... Appraisal: The goal of the appraisal is to verify the value of the property for the lender and to protect you from overpaying. The contract is contingent upon whether the appraisal comes in at or above the purchase price. If the appraisal comes back short, we will be back to the negotiating table. Survey: The survey is a sketch showing a map of the property lines/boundaries among other things. The survey will show if there are any encroachments on the property. Title: The title company will conduct a title search to ensure the property is legitimate and find if there are any outstanding mortgage liens, judgments, restrictions, easements, leases, unpaid taxes, or any other restrictions that would impact your ownership associated with the property. (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Read this out loud, then send this to someone you want to see own a home in 2022 If your interested in becoming a home owner this year ask me how I can help you achieve homeownership this year (661)903-3030... #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

We are almost there! After inspections are done, we wait for the mortgage lender to give us the clear-to-close. This means the mortgage underwriter has officially approved all documentation required to fund the loan. All that remains is the actual closing process. Here's what's going to be happening while we wait for those magic words:... Appraisal: The goal of the appraisal is to verify the value of the property for the lender and to protect you from overpaying. The contract is contingent upon whether the appraisal comes in at or above the purchase price. If the appraisal comes back short, we will be back to the negotiating table. Survey: The survey is a sketch showing a map of the property lines/boundaries among other things. The survey will show if there are any encroachments on the property. Title: The title company will conduct a title search to ensure the property is legitimate and find if there are any outstanding mortgage liens, judgments, restrictions, easements, leases, unpaid taxes, or any other restrictions that would impact your ownership associated with the property. (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Just call me your knight in shining armor because I'm about to save you from making any mistakes when buying your first home. Here's what you need to avoid: Having a low credit score: Get your credit score up before buying a home so your monthly payments are lower... Not getting pre-approved first: in a seller's market, this is a MUST! Homes are selling quick, and you will need a pre-approval letter to submit an offer Forgetting about closing costs: Ah yes, closing costs will creep up on you but make sure you have enough saved to cover them! Not asking for a home inspection: Home inspections can save you time on a home that isn't worth it to you. Leave it to the professionals to find any problems with the house Using up all your savings: Have an extra cushion and save more than you need to buy a home in case of emergencies! Not considering the resale value: You'll want to ask your agent if the home you are buying will be easy to sell in the future. Take into consideration the location, price, age, and condition! Not figuring out renovation costs prior: The last thing you want to do is buy a fixer-upper and not have enough money to cover the costs. You will be living in your worst nightmare! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Read this out loud, then send this to someone you want to see own a home in 2022 If your interested in becoming a home owner this year ask me how I can help you achieve homeownership this year (661)903-3030... #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Getting pre-approved for a mortgage before you go home shopping is the FIRST Step to the Home Buying Process, especially in a seller’s market, where competition among buyers is intense! Unlike a pre-qualification, a pre-approval letter lends weight to your bid on a home, proving to sellers that you have the financial clout to stand behind your offer. To get pre-approved, you’ll need to verify your income, employment, assets and debts.... Here’s a list of documents you’ll need Tax returns: Copies of your two most-recent federal and state returns may be required.Income: W-2 wage earners: Copies of W-2 forms and your two most recent payroll stubs. If income includes overtime, bonuses or differential pay, you may need your most recent end-of-year payroll stub. Self-employed, freelancers and independent contractors: Self-employed borrowers, including sole proprietors, partnerships and S-corporations, need a year-to-date profit and loss statement and two years of records, including the Form 1099s you used to report income and file taxes. Real estate income. Document the rental income, address, lease and current market value of a rental property if you will use this income to qualify for a mortgage. Assets Bank statements: Copy 90 days' worth of statements for every account whose assets you’re using to qualify for the mortgage. Retirement and brokerage accounts: Two months of statements from IRAs, investment accounts (stocks and bonds), and CDs. The last quarterly statement from 401(k)s showing the vested balance. As with bank statements, include every page, even blank pages. Debts Monthly debt payments: Lenders your debt-to-income ratio. Real estate debt: If your current property is mortgaged, have your most recent statement showing the loan number, monthly payment, loan balance and the lender’s name and address and the declaration page of the insurance policy. Other records (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Just call me your knight in shining armor because I'm about to save you from making any mistakes when buying your first home. Here's what you need to avoid: Having a low credit score: Get your credit score up before buying a home so your monthly payments are lower... Not getting pre-approved first: in a seller's market, this is a MUST! Homes are selling quick, and you will need a pre-approval letter to submit an offer Forgetting about closing costs: Ah yes, closing costs will creep up on you but make sure you have enough saved to cover them! Not asking for a home inspection: Home inspections can save you time on a home that isn't worth it to you. Leave it to the professionals to find any problems with the house Using up all your savings: Have an extra cushion and save more than you need to buy a home in case of emergencies! Not considering the resale value: You'll want to ask your agent if the home you are buying will be easy to sell in the future. Take into consideration the location, price, age, and condition! Not figuring out renovation costs prior: The last thing you want to do is buy a fixer-upper and not have enough money to cover the costs. You will be living in your worst nightmare! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

What is your vision for 2022? Does it include finding your first home...dream home...next phase home?? Let me help you with your 2022 visions and see what your next steps are! Get a head start on your year and let's chat!... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Getting pre-approved for a mortgage before you go home shopping is the FIRST Step to the Home Buying Process, especially in a seller’s market, where competition among buyers is intense! Unlike a pre-qualification, a pre-approval letter lends weight to your bid on a home, proving to sellers that you have the financial clout to stand behind your offer. To get pre-approved, you’ll need to verify your income, employment, assets and debts.... Here’s a list of documents you’ll need Tax returns: Copies of your two most-recent federal and state returns may be required.Income: W-2 wage earners: Copies of W-2 forms and your two most recent payroll stubs. If income includes overtime, bonuses or differential pay, you may need your most recent end-of-year payroll stub. Self-employed, freelancers and independent contractors: Self-employed borrowers, including sole proprietors, partnerships and S-corporations, need a year-to-date profit and loss statement and two years of records, including the Form 1099s you used to report income and file taxes. Real estate income. Document the rental income, address, lease and current market value of a rental property if you will use this income to qualify for a mortgage. Assets Bank statements: Copy 90 days' worth of statements for every account whose assets you’re using to qualify for the mortgage. Retirement and brokerage accounts: Two months of statements from IRAs, investment accounts (stocks and bonds), and CDs. The last quarterly statement from 401(k)s showing the vested balance. As with bank statements, include every page, even blank pages. Debts Monthly debt payments: Lenders your debt-to-income ratio. Real estate debt: If your current property is mortgaged, have your most recent statement showing the loan number, monthly payment, loan balance and the lender’s name and address and the declaration page of the insurance policy. Other records (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

What is your vision for 2022? Does it include finding your first home...dream home...next phase home?? Let me help you with your 2022 visions and see what your next steps are! Get a head start on your year and let's chat!... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

To all of my friends, I hope this holiday season brings tidings of comfort and joy. Have a Merry Christmas! (661)903-3030 #sehablaespañol ... Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

To all of my friends, I hope this holiday season brings tidings of comfort and joy. Have a Merry Christmas! (661)903-3030 #sehablaespañol ... Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Realty One Group Strong DRE# 01984681 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Gracias Pepe, por permitir a esta Servidora dar información a tu audencia sobre los nuevos cambios en relación a Declaraciones fiscales y estatales. Quedo much...o de que hablar. Nos vemos la próxima semana. Para más información hablar a CA Tax Express 661-854-1868 #taxtime2021 #stimuluscheckupdate #IRSTaxTip #refund #taxes #refundseason #IRS #california #arvin

If you're looking to buy a house, you've probably thought about your credit score. You don't need flawless credit to get a mortgage - but having a good credit score will definitely help you to reflect a better credit history, make you eligible for lower interest rates, and will allow you to have more loan options to choose from when you make your real estate purchase. Typically, working towards raising your credit score is never a bad thing, right? If you are curious as to w...hat you can do to improve your credit (and what should NOT do to avoid affecting your credit score negatively) here are a few dos and dont's to get you started! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

LOW-INTEREST RATES, SELLER'S MARKET, EQUITY TO LEVERAGE... who isn't thinking about selling? If this is you, these are the 6 things you should consider! (661)903-3030... #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

If you want to know how to accurately determine your home’s value, ask for a free comparative market analysis from a reputable real estate agent (Me). A true pro puts service above sales and takes time to explain your options. You can then make the decision that’s right for you. Here are few quick tips to figure out what your home is worth: Look at what the local real estate market is doing Schedule an appraisal ... Or simply shoot me a message with your address! I will provide you with a comparative market analysis to determine your home’s current value. Here’s how to reach me (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

. . - Andrew Carnegie, billionaire industrialist So while you’ve got to be ready to ride the market’s highs and lows, here are a few common ways investors make bank month after month: 1. Long-term residential rentals: People will always need a place to live but keep in mind, location is everything when it comes to rea...l estate. Seriously, everything! 2. Lease purchase: Lease purchase is a smart way to get involved without having to put up significant capital. Plus, if you lock in when the market is climbing, you can potentially purchase later with built-in equity. 3. Home-renovation flips: Thanks to the popularity of home renovation shows, no explanation is needed for this one (Thanks fixer upper!) 4. Short sales: A short sale is when a homeowner is behind on their mortgage but not yet in foreclosure. This can be a great opportunity to make a quick profit without investing in lengthy renovations. heads-up: You usually need to pay for short sales in cash. 5. Vacation rentals: Investors can make some serious income from vacation rentals -- especially if the property is in an hot, in-demand tourist area. There are dozens of ways to make money as an investor - too many to list here! But if you’re serious about taking the plunge, send me a message (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

( , , ’?). Have you considered investing in real estate? It’s not difficult to get started, and the barrier to entry is low! Here are three reasons you should consider it:... 1. You'll have that cash flow you wanted. When you’re the landlord, those rent payments come to you every month -- and that’s a really great feeling. ***Keep in mind to put some aside for unexpected expenses or repairs 2. Your property will typically Increase in value. In a few short years, you’ll be able to sell your property for considerably more than you paid for it -- the average annual appreciation ranges from 3-5%. We've even exceeded pre 2008 market crash prices giving real estate an over 20-25%+ increase over an almost 20 year time period. That is an incredible increase, not to mention, if it was a rental, someone is basically paying down your investment. 3. You'll own an improvable asset. With a little elbow grease, you can improve your property, increasing curb appeal and value. Add these reasons to the historically-low interest rates floating around, and now is a great time to consider an investment property. Have questions? Send me a message and let’s connect. . (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

.... ! Great way to head into the weekend! Looking to buy a new home this year ... I am here to guide you through the process. Give me a call today and let's cross buying a home off your list of goals! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Happy New Year I am excited to enter 2021 and eager to help you find the home of your dreams. Let's do this together--I promise it will be exciting, rewarding and we will have fun along the way! (661)903-3030... #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Got any resolutions this year? If one is to buy a new home, here are some things to consider that'll help get you there ASAP: Work towards paying down existing debt Hold off on large purchases made on credit (cars, boats, appliances) Save what you can for a down payment... Stay put in your current job Get pre-approved for a mortgage And last but definitely not least, reach out. Shoot me a message or give me a callI’d love to help you prepare, find, and buy a new home in 2021! (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvinca

Makes sense right? No I cannot tell you how many times I have heard prices are too high. I get it. We live in California where, yes, home values are expensive! ... But think about your monthly rent. On average, for a 3 bedroom rental you’re looking at around $1,400/month give or take. That is a mortgage payment. Buying a home can save you hundreds of thousands of dollars over the life of the loan when you compare it to renting. When you pay rent, you never see that money again. When you buy, you build equity & have the opportunity to make money on the home appreciation. Just this last year, California homes appreciated over 9%. They are projected to continue increasing in 2021. DM me if you’re considering buying a home, let’s work through a plan to make it a reality. (661)903-3030 #sehablaespanol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvincao

Happy holidays, all! On this festive day, I hope joyful laughter, engaging conversation, savory foods, and deep gratitude surround you every hour. May everything on your wish list come true as you spend time with family, friends, and loved ones. From our home to yours, Merry Christmas!... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvincao

There's truly no place like home for the holidays! This year, Share your holiday plans: are you staying home? Having a socially distanced holiday? Hosting anyone? Does your holiday season look different this year? Comment below!... (661)903-3030 #sehablaespañol Your Realtor, Carmen @realtorcarmenhonesto Cal DRE #02013077 Keller Williams Realty Bakersfield 11420 Ming Ave, Ste. 530 Bakersfield, Ca 93311 DRE #01823868 Office: (661) 617-6500 #realtorlifestyle #realtorlife #realtorsofinstagram #homebuyertips #isellhomes #kerncounty #centralcalifornia #kellerwilliams #firsttimehomebuyer #buyyourdreamhome #dreamhomes #sellwithcarmenhonestobuywithcarmenhonesto #usdaloan #americandream #buywithme #zerodownpayment #fhaloan #valoan #usdaloan #beautifulhome #homedesign #interiordesign #bakersfieldca #arvincao