Kesha Wafer

Is now the right time to buy? Absolutely!!! DRE#02073859 Maria Contreras Realty 559-312-0377

Appraisal vs Home Inspection If you're planning to buy a , an appraisal is an important step but also a different from a home inspection. The difference between an appraisal and a home inspection- An appraisal determines the VALUE of a home, while a home inspection determines the CONDITION of a home. ... APPRAISAL: a professional evaluation of the market value of the home you would like to purchase. An appraisal is ordered by the lender to confirm or verify the VALUE of the home prior to lending a buyer for the purchase. This is critical in today's seller's market where low inventory is driving an increase in bidding wars, which can push home prices upward. The lender will send an appraiser and only allow the borrower to borrowbased on the value of the home. This is what helps keep prices in check. Home Inspection- assesses the current condition of the home before the buyer finalizes the transaction.

Don't make the wrong decision out of emotion, impatience, or following the opinion of others. There will be another home that you will like just as much, if not better. What's meant for you, is for you! Kesha Wafer DRE#02073859... Maria Contreras Realty 559-312-0377 [email protected] See more

Today's home prices are driving equity higher. Are you ready to build generational wealth? DRE#02073859 Maria Contreras Realty 559-312-0377

With so few homes available to buy today, houses are in high demand, and they’re selling fast.That means it’s a great time to sell if you’re ready to make a move. Call me for more information. DRE#02073859 Maria Contreras Realty 559-312-0377

We are in a major seller's market, but what does that mean? What is a seller's market? In a seller's market, increasing demand for homes drives up prices. Here are some of the drivers demand: Economic Factors... The local market heats up and brings in an inflow of new residents and pushes up home prices before more inventory can be built. Interest rates trending downward improves home affordability, creating more buyer interest , especially first time buyers as the cost of money goes lower. Low Inventory Prices for existing homes may increase because of high demand and fewer homes available on the market. This means, if you have a house to sell, NOW is the time! Let's chat!!! DRE#02073859 Maria Contreras Realty 559-312-0377

Mortgage Monday Different lenders have access to different programs. As a buyer, it is in your best interest to speak with a few lenders to see what options are available to you. I work with awesome lenders. Contact me today so we can get you in a home in 2021! DRE#02073859 Maria Contreras Realty ... 559-312-0377 #mariacontrerasrealty #yourneighborhoodrealtor #keshawafer #realestate559 #559realtor #559realty #fresnorealestateagent #fresnorealestateagents #fresnorealestatecompanies #fresnorealestateexpert #fresnorealestatemarket #clovisrealtors

The Do's and Don'ts after applying for a mortgage. Buying a house is an exciting time, but it can also be stressful. out these valuable tips when applying for a mortgage. You wouldn't want to miss out on your dream by making one small mistake! DRE#02073859 Maria Contreras Realty 559-312-0377

Buying a home can be a stressful process. My job is to make it as smooth as possible! If you are considering buying a home in 2021, LET's CHAT. Even if you think you aren't ready this year, but maybe next year, LET'S CHAT!!!! Let's put together a plan to get you on the road to homeownership!!! DRE#02073859 Maria Contreras Realty 559-312-0377

2020 has definitely been one for the books. Here is a snapshot of my year! DRE#02073859 Maria Contreras Realty

NEW YEAR NEW HOME: 5 WAYS TO MAKE IT A REALITY IN 2021 If you've been dreaming of buying your first home or selling your current house, New Year's is the time to make it happen! Here are five ways to make a New Year's resolution of a new home a reality in 2021.... 1.Check and Fix Your Credit Your credit will affect whether you can qualify for a mortgage loan and the interest rate you'll pay. 2. Save for a Down Payment Most mortgage loans require a down payment, so you may want to trim your budget to help bolster your down payment fund. Tax refunds can also be an excellent way to jumpstart your savings. If you can afford to pay 20% down, you'll avoid paying private mortgage insurance (PMI). This is an extra monthly payment that helps protect the lender in case you default on your loan. The higher your down payment, the lower your monthly payment will be, and you're likely to be offered a lower mortgage rate. 3. Gather your Documents You'll need to provide a large number of documents when you're applying for a mortgage, so go ahead and start collecting this paperwork now. You'll need documents to show your income and assets. So gather two years of tax returns and W-2 income states, recent pay stubs, credit card statements, and statements from your bank. Gathering these items as you go will help you avoid scrambling at the last minute to find them. 3. Get Pre-Approved for a Mortgage A pre-approval will let you know if you'll be approved for a mortgage loan and the type of interest rate you qualify for. Not to be confused with a pre-qualification, it involves taking virtually all the steps you'll undergo to apply for a mortgage loan. You'll fill out an application and provide your Social Security number so your lender can check your credit. You'll also provide information such as your income, assets, and debts. After the process, you'll be given a letter that indicates the amount of mortgage loan you're approved for, and your likely rate and terms. As a result, sellers will know you're serious about home buying. 4. Start a Priority List Start making a list of what's important to you in a home. When you begin your search, this list will help you save time by eliminating some houses from consideration. Divide up your list into "must-haves" and "would like to have." For example, you may decide that having a short commute to your job is non-negotiable. You may like to have a big yard, but if a home has a lot of what you're looking for, this isn't necessarily a must-have. Contact me to learn more about making your New Year's resolution of buying a new home a reality. I can help you navigate the home-buying process and show you homes within your budget as well as your priority list. Kesha Wafer DRE#02073859 Maria Contreras Realty 559-312-0377

MORTGAGE MONDAY!!! If you are in the mortgage process, here are some DO'S and DONT'S that you need to know about. DRE#02073859 Maria Contreras Realty 559-312-0377

Mortgage Monday!!! Check out these tips to improve your credit. DRE#02073859 Maria Contreras Realty 559-312-0377