Rosena Ranch Real Estate

5 Reasons Homeowners Throw the Best Super Bowl Parties! Highlights: Watching the big game at home with your friends & family offers many advantages. There’s more room to entertain a large crowd, and you don’t have to worry about complaints to your landlord if you cheer too loudly!... The kitchen is big enough to make as many appetizers as you want, and if some of your guests are only there to watch the commercials, they can do so on a different TV in another room! See more

This is such a controversial topic.. I’m curious.. what are everyone’s thoughts?

Buying a Home Can Be Scary Until You Know the Facts Some Highlights: Many potential homebuyers believe that they need a 20% down payment and a 780 FICO score to qualify to buy a home which stops many of them from even trying! Here are some facts:... 72% of buyers who purchased homes this year have put down less than 20%. > First Time Home Buyer options allow as little as 3% down or even nothing down! 76.4% of loan applications were approved last month. > If you are scared about getting turned down, don’t be! My lender will always consult on what steps to take to become approved. The average credit score of approved loans was 727 in September. > There are loan options for FICO’s as low as 580!

Pre-Approval: Your 1st Step in Buying a Home In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to stand out Even if you are in a market that is not as competitive, understanding your budget will give you the confidence of knowing if your dream home is within your reach.... Freddie Mac lays out the advantages of pre-approval in the ‘My Home’ section of their website: It’s highly recommended that you work with your lender to get pre-approved before you begin house hunting. Pre-approval will tell you how much home you can afford and can help you move faster, and with greater confidence, in competitive markets. One of the many advantages of working with a local real estate professional is that many have relationships with lenders who will be able to help you through this process. Once you have selected a lender, you will need to fill out their loan application and provide them with important information regarding your credit, debt, work history, down payment and residential history. Our Lender describes the ‘4 Cs’ that help determine the amount you will be qualified to borrow: Capacity: Your current and future ability to make your payments Capital or cash reserves: The money, savings, and investments you have that can be sold quickly for cash Collateral: The home, or type of home, that you would like to purchase Credit: Your history of paying bills and other debts on time Getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and it often helps speed up the process once your offer has been accepted. Bottom Line: Many potential homebuyers overestimate the down payment and credit scores necessary to qualify for a mortgage today. If you are ready and willing to buy, you may be pleasantly surprised at your ability to do so. Call me, lets discuss your options over coffee 619-994-9174

Hi friends, I am a neighbor and Real Estate agent. If you or anyone you know is thinking of buying or selling I'd love to help.. or if you have any questions :) 951-817-4849 Should I Buy Now? Or Wait Until Next Year? Some Highlights:... The cost of waiting to buy is defined as the additional funds it would take to buy a home if prices & interest rates were to increase over a period of time. Freddie Mac predicts interest rates to rise to 5.2% by the third quarter of 2019. CoreLogic predicts home prices to appreciate by 5.1% over the next 12 months. If you are ready and willing to buy your dream home, find out if you are able to! See more