Gems Concha, Realtor at Keller Williams Realty

Modern Farmhouse on 3 Acres PRICE IMPROVEMENT 3 Acres 7 Bedrooms 5 Newly Renovated Bathrooms... 4 Car-Garage 4308 Sq. Ft. 2061 Mettler Road in Lodi Offered at 1.265 Million To Tour this property in video and learn more details go to: https://39pixelsphoto.com/.../2061.../skinned/%23start/ Contact me today for a private showing. Lets Get Started. Gems Concha Clark, Realtor 209.649.7542 Keller Williams Realty DRE: 01318531 Visit me online: gemsconcha.kwrealty.com To see more properties like this download my phone app to search: http://app.kw.com/KW2DD4KUC - The app is FREE (uninstall anytime)

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Hello Home Seller, I understand that the process of selling your home can feel complicated, and there are certain things you should avoid. The process will be far less stressful if you follow a few guidelines, which I’m hoping to share with you. Give me a call/Text/message at 209-649-7542, and let’s get started. Gems Concha Clark , Your Local Realtor * Direct: 209-649-7542 * Keller Williams Realty * calDRE 01813581 I CAN HELP YOU

What are The Do’s and Don’ts after Applying for a Mortgage 1. Don’t Deposit Cash into Your Bank Accounts Before Speaking with Your Bank or Lender. Lenders need to source your money, and cash is not easily traceable. Before you deposit any amount of cash into your accounts, discuss the proper way to document your transactions with your loan officer. 2. Don’t Make Any Large Purchases Like a New Car or Furniture for Your New Home. New debt comes with new monthly obligations. N...ew obligations create new qualifications. People with new debt have higher debt-to-income ratios. Higher ratios make for riskier loans, and then sometimes qualified borrowers no longer qualify. 3. Don’t Co-Sign Other Loans for Anyone. When you co-sign, you’re obligated. With that obligation comes higher ratios as well. Even if you promise you won’t be the one making the payments, your lender will have to count the payments against you. 4. Don’t Change Bank Accounts. Remember, lenders need to source and track your assets. That task is significantly easier when there’s consistency among your accounts. Before you transfer any money, speak with your loan officer. 5. Don’t Apply for New Credit. It doesn’t matter whether it’s a new credit card or a new car. When you have your credit report run by organizations in multiple financial channels (mortgage, credit card, auto, etc.), your FICO score will be impacted. Lower credit scores can determine your interest rate and maybe even your eligibility for approval. 6. Don’t Close Any Credit Accounts. Many buyers believe having less available credit makes them less risky and more likely to be approved. Wrong. A major component of your score is your length and depth of credit history (as opposed to just your payment history) and your total usage of credit as a percentage of available credit. Closing accounts has a negative impact on both of those determinants of your score. Bottom Line Any blip in income, assets, or credit should be reviewed and executed in a way that ensures your home loan can still be approved. If your job or employment status has changed recently, share that with your lender as well. The best plan is to fully disclose and discuss

LOOKING TO OWN MORE ACREAGES TO PROPERLY SOCIAL DISTANCE ?? How about a whole 3 ACRES of social distancing inside this MUST SEE Modern Farmhouse of 7 Bedrooms, 5 Bathrooms and 4-car garage nestled in the wine country of Lodi. (1.5 hours from Silicon Valley and 45 minutes from Sacramento) Go to 2061Mettler.com for more details.... Presented at 1.295 Million Reach out to me to view in person: Gems Concha Clark of Keller Williams Realty Direct: 209-649-7542 Dre: 01813581 https://39pixelsphoto.com//2061-mettler/skinned/%23start/

Real Estate National Market Update For 2021, experts see more home sales, driven by three tailwinds: low mortgage rates; ... demand from millennials, the largest demographic group in history; and more inventory, as home building grows and sellers come back to the market Who do you know that wants to SELL, BUY, or INVEST, I’m here to help, let’s get started.. Gems Concha Clark , Your Local Realtor * Direct: 209-649-7542 * Keller Williams Realty * calDRE 01813581 I CAN HELP YOU

Motivation Sunday!! Have a Blessed Day and Keep Warm

- FOR SALE - 2061 Mettler Road 7 Beds, 5 Baths, 4 Car Garage | 4308 Sq. Ft. | 3-Acres ... Presented by Gems Concha This unique 3-acres modern farmhouse is ideally located amongst Lodi, CA fertile vineyards and orchards. It combines the space and ultra-modern luxury renovated by Serendipity Design of San Diego. Lavish gathering with your love ones around the brand-new gourmet kitchen wrapped around it’s stunning 7-foot island in quartz. Relax in one of the 3 living areas or at the new trendy beverage bar alcove with your guests. Pick and fashion your own sanctuary from one of its spacious 7 bedrooms. Each of its 5 newly upgraded bathrooms had been thoughtfully designed for chic and comfort and a must see! Delight yourself with your loved ones in this beautiful home every day and create that lifestyle you have always wanted. Come and let me show you how you can easily fall in love with this residence. Virtual Tour: 2061mettler.com Video Tour: https://player.vimeo.com/external/466607647.hd.mp4 Contact Me for In-Person Showing Appointments. Listing Agent, Gems Concha Clark Keller Williams Realty 209-649-7542 CalDRE# 01813581 Visit me online: gemsconcha.kwrealty.com "Your Gem in Real Estate" If you also want to know what other properties are for sale nearby Download & Share my KW Mobile App: http://app.kw.com/KW2DD4KUC - The app is FREE (uninstall anytime) #thehelpfulagent #luxuryhomes #luxurylifestyle #gemsconcharealtor #GemsConcha #Househunting #dreamhome #home #homeowner #houseexpert #icanhelp #house #realestate #realestateagent #nowacceptingnewclients #stocktonrealtor #lodirealtor #homesforsale #homesweethome #listingagent #realtor

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- FOR SALE - 2061 Mettler Rd. Lodi, CA 95242 7 Beds, 5 Baths, 4 Car, 4308 Sq. Ft. | List Price: $1,295,000 ... Presented by Gems Concha Visit: 2061mettler.com for further information. Stunning single-level, custom-built, newly-renovated modern farmhouse with 7 bedrooms/5 bathrooms/4 car garage on a 3-acre lot. A thoughtfully designed chef's kitchen with top of the line KitchenAid appliances will more than meet all of your entertaining needs. The wetbar includes a new beverage fridge and plenty of space to house your collection and glassware. Grab a drink and walk out onto your deck to take in the country views. Three bedrooms have en-suite bathrooms, which make this the perfect home for multigenerational families or for hosting family and friends.All new Kohler shower fixtures, sinks, Kohler toilets, Kohler shower doors, faucets, farmhouse light fixtures, new mirrors and freshly tiled showers. The lot is large enough to plant your own garden, build your own outdoor oasis or add a granny flat or barn. Check county for details on what is permitted. Contact Me For Showing Appointments. Listing Agent, Gems Concha Clark Keller Williams Realty 209-649-7542 CalDRE# 01813581 Visit me online: gemsconcha.kwrealty.com "Your Gem in Real Estate" If you also want to know what other properties are for sale nearby Download & Share my KW Mobile App: http://app.kw.com/KW2DD4KUC - The app is FREE (uninstall anytime) #thehelpfulagent #luxuryhomes #luxurylifestyle #gemsconcharealtor #GemsConcha #Househunting #dreamhome #home #homeowner #houseexpert #icanhelp #house #realestate #realestateagent #nowacceptingnewclients #stocktonrealtor #lodirealtor #homesforsale #homesweethome #listingagent #realtor