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Individuals who has never purchased a home before typically ask the same question.... How do I start? The first step is to determine how much if a home you can afford. That step is determined by a Lender, who will ultimately carry your mortgage loan. Thereafter, once approved, the home search began! You can end up in your dream home within 30 days if everything aligns right. Contact me and we can discuss. I'll love the opportunity to help. (909) 561-0404 #RonJohntheRealtor

Real Estate humor, lol!! #mytimeisprecious #RonJohntheRealtor

Attending to your real estate needs!!!! Many individuals are nervous about purchasing a home for the first time -- don't be! The process is actually painless. Contact me and we can discuss how you can get started. I'm available at anytime. #RonJohntheRealtor

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IV19111548 -- Condo for rent in Rancho Cucamonga. This condo is 2 bedrooms, 2.5 baths, and 1110 sqft. The rental price is listed at $1950 per month. Feel free to contact me with any inquiries. (909l 561-0404 #RonJohntheRealtor @ Rancho Cucamonga, California

How to Choose a Mortgage Now that you’ve decided to buy a home, it’s time to consider how you’ll pay for it. Mortgages are extremely complicated, and selecting the wrong one could seriously jeopardize your future. Here are a few pointers for choosing your mortgage wisely. Get to Know the Players... Ask a friend or relative who has recently gotten a mortgage if they would recommend their lender. Have your realtor or someone else who deals with mortgage lenders regularly (a financial adviser, attorney, etc.) help you create a list of lenders. Search the web and research these lenders extensively, being sure to push past the advertising and investigate fees, lock-in periods, and qualification requirements. Go Long Used to be the emphasis when it came to mortgages was on paying them off as soon as possible. Today, the debt the average person will accumulate due to credit cards, student loans, etc. means it’s better to opt for the 30-year mortgage instead of the 15-year. This way, you have a lower monthly payment, with the option of paying an additional principal when money is good. Take the Extra Point When selecting a mortgage, you usually have the option of paying additional points (a portion of the interest that you pay at closing) in exchange for a lower interest rate. If you plan to stay in the house for a long timeand given the current real estate market, you shouldtaking the points will save you money and ease the burden you’ll bear down the road, when you’re investing in a family. Draft a Pro If researching mortgage lenders sounds overwhelming, you might consider hiring a mortgage broker to do it for you. A mortgage broker is an independent contractor who pairs you with lenders by scouring available loans to find the one that best fits your needs. As with your realtor, be sure to research your mortgage broker upfront and get everything in writing.

Let's find you your dream home. It's easier than you think. Call me and we can discuss (909) 561-0404 #RonJohntherealtor

How Can an Agent Help Me Buy a Home? Buying a home can be an overwhelming process. From financing to negotiating to closing, there are a lot of moving pieces that can leave homebuyers bewildered. A real estate agent can help guide you through each step of the buying process, offering sound advice along the way. By working with a professional agent who knows the ins and outs of the real estate industry, you'll not only end up with a great home, but you'll also walk away with ...a great experience. Here are some of the key areas that an agent can help you with: Getting pre-approved by a lender By providing your real estate agent with some basic information about your income, savings, and debt, he or she can assist you in getting pre-approved by a reputable lender. The lender will then go over your financing options, what monthly payment amount you can afford, and what you can expect for down payment requirements and closing costs. Choosing a home For most buyers, choosing a home is an emotional process. An agent can assist you in this process by offering objective information about each property you look at. From local community information like schools and zoning to home-specific details like condition and amenities, an agent can help you find exactly what you're looking for. Making an offer Once you've found the home of your dreams, an agent will research recent comparable sales of similar homes in the area to help determine a fair selling price. Based on those comparable sales, as well as other factors like inspections and repairs, an agent will then help you structure an offer and negotiate to get the very best deal possible. Closing Closing, or settlement, can be a complicated process. In some areas, the escrow or title company handles the closing process, while in other areas an attorney handles it. Regardless of where you're buying, a real estate agent can help ensure that everything goes smoothly.