Christina Reyes Compass Real Estate DRE 02019471

How to Get a Home Loan with Bad Credit Many people think you need ‘perfect credit’ and a large down payment to get a home loan. You don’t. Today, there are programs for people with less than perfect credit and little money down. While it helps to have good credit because you have more options, don’t let bad credit stop you from buying the home of your dreams. What programs are available? Check out the list below:... FHA Loans The FHA program is the best loan program for borrowers with ‘bad credit.’ All you need is a 580 credit score, which is almost 100 points less than what conventional home loan lenders require. If you have more money to put down (at least 10%), you can even get away with a credit score between 500 579. FHA loans require just a 3.5% down payment and allows debt-to-income ratios between 43 50%. This means that your total debts (new mortgage included) don’t take up more than 43 50% of your income before taxes. VA Loans The VA home loan program is great for veterans or current military members with less than perfect credit. If you served in the military for 90 days during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves, you’re likely eligible. Why consider VA loans over any other program? They have the most flexible underwriting guidelines and the lowest closing costs. You don’t even need a down payment. The VA mostly focuses on your monthly disposable income or money you have after paying your bills. If you have enough disposable income and you’re a veteran, you have a good chance at securing the loan. Other Loan Options for Bad Credit What if you don’t qualify for an FHA loan and aren’t a veteran? Lenders have alternative financing options. These loans aren’t backed by the government, so each lender has its own guidelines. Some lenders cater to borrowers with bad credit, giving you a chance to become a homeowner. Look around for lenders that offer ‘private mortgage loans’ as they are often more flexible with the guidelines, giving you more options. Here for all of your Real Estate needs! DM for more info on how I can help you!

Cooking with love provides food for the Soul. With that being said..Which kitchen island do you see yourself meal prepping in 1, 2, or 3? #BecauseILoveHouses #RealtorChristina #Interiordesign... #Luxury #Design #DreamKitchen #Kitchensofinsta #Kitchendesign #Homedecor #Lighting #Hudsonvalleylighting #BecauseILoveHouses #Realestatelife See more

Oh Fall how I’ve missed you

Happy Anniversary to the LOML @johnny_reyes81 I’m soo grateful we get to share life’s journey together and to be here in this moment and time to experience one another I’m soo thankful for our deep rooted friendship Thank you for always believing in me and pushing me to always be better everyday! You’re the dopest best friend any wife could ask for ILY

Tip Tuesday When remodeling an outdated kitchen, using good-quality finishes in neutral tones is always recommended. Be sure your new kitchen is as non-specific in color and style as possible so that it appeals to the widest possible audience of buyers. Pick the right kitchen colors. White kitchen cabinets are timeless and will make your kitchen feel more spacious... Kitchen backsplash tile is an extremely popular element in modern kitchens Add champagne bronze knobs and pulls to your cabinets and drawers to give your kitchen some upscale polish When done the right way, remodeling an outdated kitchen will yield the best return on investment. #ChristinaReyesRealtor #Compass HomeSellerTip #InteriorDesign #KitchenDesign #HomeDecor #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor

She makes it so easy to celebrate her...she makes it so easy to love her Julie Roybal !! Mom, Today we celebrate you!! You’re truly a gift to us and to those around you! You have a heart of gold and I am so thankful God chose you to be my Mom Your spirit is radiant and one of a kind and your energy is contagious I could celebrate you every day! We love you so much and wish you a very H a p p y B i r t h d a y!! Here’s to the best Mom and Nana! We wish you many mo...re filled with tons of love , health, happiness and laughter! Xo Please help me wish my amazing Momma a Happy Birthday y’all

And remember. Whatever your goal, you can get there if you’re willing to work.. But first, let’s enjoy the Labor Day BBQ! #Laboraday2020 #ChristinaReyesRealtor #Compass... #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor See more

You. Are. Great. Hold the Vision. Trust The Process.... #ChristinaReyesRealtor #Compass #Vision #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor

Sometimes it can feel a bit cramped in your current surroundings. Now may be a great time to look at something new. Can’t find your dream home? Let’s find you one! DM, Call, or Text me to begin the process. Remember, every day is a good day to find your dream home Christina Reyes... Compass 408.373.2249 [email protected] @christinareyes_realtor #ChristinaReyesRealtor #Compass #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor

Let your faith in the journey be stronger than your doubts and fears. Make moves each day in the direction of your vision! Make each day count! #Growth #Manifest #WorkHard... #DontStop #KeepGoing #KeepGrowing #ChristinaReyesRealtor #Compass #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor See more

Wishing you an epic month of September! Remember, If at first you don’t succeed, call me! I would love to talk to you about how we can make those real estate dreams come true! #ChristinaReyesRealtor #Compass #HelloSeptember... #SanJoseRealEstate #SellingSiliconValley #SiliconValleyRealEstate #YourBayAreaRealtor #BuiltOnIntegrity #BecauseILoveHouses #HelpingMakeDreamsComeTrue #RealEstateLife #LetsTalkRealEstate #RealEstate #Realtor #RealEstate See more

I’m always looking to stir up a few referrals. When you think of homes think of me ! I’m here for all your real estate needs! Christina Reyes... Compass 408.373.2249 [email protected] @christinareyes_realtor See more

What is a seller’s market? In sellers’ market, increasing demand for homes drives up prices. Here are some of the drivers of demand: Low inventory Prices for existing homes may go up because of high demand and fewer homes available on the market.... Economic factors the local labor market heats up, bringing an inflow of new residents and pushing up home prices before more inventory can be built. Interest rates trending downward improves home affordability, creating more buyer interest, especially for first time home buyers as the cost of money goes lower.