Emily Zarate Loan Originator

Homeownership has always been the first rung on the ladder leading to household wealth. As Freddie Mac recently posted: Homeownership has cemented its role... as part of the American Dream, providing families with a place that is their own and an avenue for building wealth over time. This ‘wealth’ is built, in large part, through the creation of equityBuilding equity through your monthly principal payments and appreciation is a critical part of homeownership that can help you create financial stability. Continue reading by following this link >> https://www.jerrytorres.pro//the-importance-of-home-equit/ #JerryTorresPro | #TechieLoanOriginator

In 1963, Martin Luther King, Jr. inspired a powerful movement with his famous I Have a Dream speech. Through his passion and determination, he sparked interes...t, ambition, and courage in his audience. Today, reflecting on his message encourages many of us to think about our own dreams, goals, beliefs, and aspirations. For many Americans, one of those common goals is owning a home: a piece of land, a roof over our heads, and a place where we can grow and flourish. Continue reading by following this link >> https://www.jerrytorres.pro//how-to-make-the-dream-of-hom/ #JerryTorresPro | #TechieLoanOriginator

The housing market made an incredible recovery in 2020 and is now positioned for an even stronger year in 2021. Record-low mortgage interest rates are a driving... factor in this continued momentum, with average rates hovering at historic all-time lows. According to the latest Realtors Confidence Index Survey from the National Association of Realtors (NAR), buyer demand across the country is incredibly strong. That’s not the case, however, on the supply side. Seller traffic is simply not keeping up. Here’s a breakdown by state: Continue reading by following this link >> https://www.jerrytorres.pro//why-right-now-may-be-the-tim/ #JerryTorresPro | #TechieLoanOriginator

At the onset of the economic disruptions caused by the COVID pandemic, the government quickly put into place forbearance plans to allow homeowners to remain in ...their homes without making their monthly mortgage payments. Today, almost three million households are actively in a forbearance plan. Though 29.4% of those in forbearance have continued to stay current on their payments, many have not. Yanling Mayer, Principal Economist at CoreLogic, recently revealed: Continue reading by following this link >> https://www.jerrytorres.pro//will-forbearance-plans-lead-/ #JerryTorresPro | #TechieLoanOriginator

The housing market recovery coming into the new year has been nothing short of remarkable. Many experts agree the turnaround from the nation’s economic pause is... playing out extremely well for real estate, and the current market conditions are truly making this winter an ideal time to make a move. Here’s a dive into some of the biggest wins for homebuyers this season. 1. Mortgage Rates Are Historically Low Continue reading by following this link >> https://www.jerrytorres.pro//why-not-to-wait-until-spring/ #JerryTorresPro | #TechieLoanOriginator

Some Highlights * There are a few key things to make sure you avoid after applying for a mortgage to help make sure you still qualify for your loan at the closi...ng table. * Along the way, be sure to discuss any changes in income, assets, or credit with your lender, so you don’t unintentionally jeopardize your application. * The best plan is to fully disclose your intentions with your lender before you do anything financial in nature. Continue reading by following this link >> https://www.jerrytorres.pro//things-to-avoid-after-applyi/ #JerryTorresPro | #TechieLoanOriginator

It’s exciting to put a house on the market and to think about making new memories in new spaces. However, despite the anticipation of what’s to come, we can sti...ll have deep sentimental attachments to the home we’re leaving behind. Growing emotions can help or hinder a sale depending on how we manage them. When it comes to the bottom line, homeowners need to know what it takes to avoid costly mistakes when it’s time to move. Being mindful and prepared for the process can help you stay on the right track when selling your house this year. 1. Price Your Home Right Continue reading by following this link >> https://www.jerrytorres.pro//3-must-dos-when-selling-your/ #JerryTorresPro | #TechieLoanOriginator

According to many experts, the real estate market is expected to continue growing in 2021, and it’s largely driven by the lasting impact the pandemic is having ...on our lifestyles. As many of us spend extra time at home, we’re reevaluating what home means and what we may need in one going forward. Here are 4 reasons people are reconsidering where they live and why they’re expecting to buy a home this year. Continue reading by following this link >> https://www.jerrytorres.pro//4-reasons-people-are-buying-/ #JerryTorresPro | #TechieLoanOriginator

According to the latest CoreLogic Home Price Insights Report, nationwide home values increased by 8.2% over the last twelve months. The dramatic rise was brough...t about as the inventory of homes for sale reached historic lows at the same time buyer demand was buoyed by record-low mortgage rates. As CoreLogic explained: Home price growth remained consistently elevated throughout 2020. Home sales for the year are expected to register above 2019 levels. Meanwhile, the availability of for-sale homes has dwindled as demand increased and coronavirus (COVID-19) outbreaks continued across the country, which delayed some sellers from putting their homes on the market. Continue reading by following this link >> https://www.jerrytorres.pro//what-does-2021-have-in-store/ #JerryTorresPro | #TechieLoanOriginator

The housing market was a shining star in 2020, fueling the economic turnaround throughout the country. As we look forward to 2021, can we expect real estate to ...continue showing such promise? Here’s what four experts have to say about the year ahead. Lawrence Yun, Chief Economist, National Association of Realtors (NAR) In 2021, I think rates will be similar or modestly higher, maybe 3%So, mortgage rates will continue to be historically favorable. Danielle Hale, Chief Economist, realtor.com We expect sales to grow 7 percent and prices to rise another 5.7 percent on top of 2020’s already high levels. Continue reading by following this link >> https://www.jerrytorres.pro//four-expert-views-on-the-202/ #JerryTorresPro | #TechieLoanOriginator

Some Highlights * Choosing the right real estate professional to work with is one of the most important decisions you can make in your homebuying or selling pro...cess. * The right agent can explain current market conditions and break down exactly what they mean for you. * If you’re considering buying or selling a home this year, let’s connect so you can work with someone who has the experience to answer all of your questions about pricing, contracts, negotiations, and more. Continue reading by following this link >> https://www.jerrytorres.pro//reasons-to-hire-a-real-estat/ #JerryTorresPro | #TechieLoanOriginator