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What You Need to Know About the Mortgage Process [INFOGRAPHIC] Some Highlights: Many buyers are purchasing a home with a down payment as little as 3%. ... You may already qualify for a loan, even if you don’t have perfect credit. Take advantage of the knowledge of your local professionals who are there to help you determine how much you can afford. http://www.simplifyingthemarket.com//what-you-need-to-kn/ Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Are You Spending TOO Much on Rent? Chances are if you are renting you are spending too much of your income on your monthly housing expense. There is a long-standing ‘rule’ that a household should not pay more than 28% of their income on their rent or mortgage payment. This percentage allows the household to save money for the future while comfortably covering other expenses. According to new data released from ApartmentList.com , 49.5 million renters in the United ...States were cost-burdened in 2017, meaning they spent more than 30% of their monthly incomes on rent. This accounts for nearly half of all renter households in the country and is up 3.1 million from 2007. When a household is cost-burdened by th .. http://bit.ly/2OLD9HD Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Are You Wondering If You Can Buy Your First Home? There are many people sitting on the sidelines trying to decide if they should purchase a home or sign a rental lease. Some might wonder if it makes sense to purchase a house before they get married or start a family, some might think they are too young, and still, some others might think their current incomes would never enable them to qualify for a mortgage. We want to share what the typical first-time homebuyer actual...ly looks like based on the National Association of Realtors’ most recent Profile of Home Buyers & Sellers . Here are some interesting revelations on the first-time buyer: Bottom Line You may not be much different than many people who have already .. http://bit.ly/2mtqGe4 Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Thinking of Selling Your Home? Here’s Why You Need A Pro in Your Corner With home prices on the rise and buyer demand still strong, some sellers may be tempted to try and sell their homes on their own without using the services of a real estate professional. Real estate agents are trained and experienced in negotiation and, in most cases, the seller is not. Sellers must realize that their ability to negotiate will determine whether or not they get the best deal for them...selves and their families. Here is a list of just some of the people with whom the seller must be prepared to negotiate with if they decide to For Sale by Owner (FSBO): The buyer who wants the best deal possible The buyer’s agent who solely represents the best interests of t .. http://bit.ly/2OND4Di Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Existing Home Sales Grow Despite Low Inventory [INFOGRAPHIC] Some Highlights: According to the latest Existing Home Sales Report from the National Association of Realtors , sales grew 1.1% in March to an annual pace of 5.60 million. ... This is the strongest pace since November of 2017. Inventory levels dropped year-over-year for the 34 th consecutive month and are now 7.2% lower than March 2017 levels, representing a 3.6-month supply. http://bit.ly/2HShnSi Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Home Prices Up 6.49% Across the Country! [INFOGRAPHIC] Some Highlights: The Federal Housing Finance Agency (FHFA) recently released their latest quarterly Home Price Index report. ... In the report, home prices are compared both regionally and by state. Based on the latest numbers, if you plan on relocating to another state, waiting to move may end up costing you more! http://bit.ly/2z5VK9C Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Housing Will Not Fall Victim to Next Economic Storm Some experts are calling for a slowdown in the economy later this year and most economists have predicted that the next recession could only be eighteen months away. The question is, what impact will a recession have on the housing market? Here are the opinions of several experts on the subject: Ivy Zelman in her latest Z Report : ... While economic activity appears to have accelerated so far in 2018, some prominent economic forecasters have become more cautious about growth prospects for 2019 and 2020 All told, while solid long-term demographic underpinnings support our positive fundamental outlook for housing, in the event micro-economic headwinds surface, we wou .. http://bit.ly/2Q9oJRM Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

The Cost of Renting vs. Buying [INFOGRAPHIC] Some Highlights: Historically, the choice between renting or buying a home has been a tough decision. ... Looking at the percentage of income needed to rent a median-priced home today (28.8%) vs. the percentage needed to buy a median-priced home (17.1%), the choice becomes obvious. Every market is different. Before you renew your lease again, find out if you can put your housing costs to work by buying this year! http://bit.ly/2tDFXwl Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

What Does the Future Hold for Home Prices? Home prices are at the top of everyone’s minds. Can they maintain their current pace of appreciation? Will rising mortgage rates negatively impact home values? Will the next economic slowdown cause prices to crash? Let’s try to answer these questions based on what has happened in the past as well as what we know about the current real estate market. The Impact of Rising Interest Rates ... We explained earlier this year that rising mortgage rates have not negatively impacted home prices in the past and probably wouldn’t this time either. Freddie Mac’s comments were very direct: In the current housing market, the driving force behind the increase in prices is a low suppl .. http://bit.ly/2z2MCTa Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Demand for Homes to Buy Continues to Climb Across the United States, there is a severe mismatch between the low number of houses for sale and the high demand for those houses! First-time homebuyers are out in force and are being met with a highly competitive summer real estate market. According to the National Association of Realtors (NAR), the inventory of homes for sale has fallen year-over-year for 36 consecutive months, and now stands at a 4.1-month supply. A ...6-month supply of inventory is necessary for a balanced market and has not been seen since August of 2012. NAR’s Chief Economist Lawrence Yun had this to say, Inventory coming onto the market during this year’s spring buying season as evidenced .. http://bit.ly/2Q5eu0Z Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Buying a Home Can Be Scary Until You Know the Facts [INFOGRAPHIC] 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%. 76.4% of loan applications were approved last month. The average credit score of approved loans was 727 in September. http://bit.ly/2Vss01o Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

You DO NOT Need 20% Down to Buy Your Home NOW! The Aspiring Home Buyers Profile from the National Association of Realtors (NAR) found that the American public is still somewhat confused about what is required to qualify for a home mortgage loan in today’s housing market. The results of the survey show that the main reason why non-homeowners do not own their own homes is because they believe that they cannot afford them. This brings us to two major misconceptions tha...t we want to address today. 1. Down Payment A recent survey by Laurel Road, the National Online Lender and FDIC-Insured Bank, revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the survey .. http://bit.ly/2mpy1eI Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com

Moving Up to Your Dream Home? Don’t Wait! Mortgage interest rates have risen by more than half of a point since the beginning of the year, and many assume that if mortgage rates rise, home values will fall. History, however, has shown this not to be true . Where are home values today compared to the beginning of the year? While rates have been rising, so have home values. Here are the most recent monthly price increases reported in the Home Price Insights Report ...from CoreLogic : January: Prices were up 0.5% over the month before. February: Prices were up 1% over the month before. March: Prices were up 1.4% over the month before. Not only did prices continue to appreciate, the level of appreciation ac .. http://bit.ly/2sg9Ba1 Curious what YOUR HOME IS WORTH? Click www.SeanSellsSD.com for your complimentary home valuation complete with a copy of my two ebooks "The Top 3 Mistakes Home Sellers Make" when preparing to sell and "The Top 3 Wastes of Money When Upgrading Your Home". Have questions? Call or text me now Sean Hamers REALTOR CalBRE#01962027 619.309.9640 [email protected] SEARCH FOR HOMES @ TakeMeHomeSanDiego.com