Roseville Living

What's Your Roseville Home Worth? Get a FREE Online Home Valuation... http://www.sacramentohomeview.com/cma/property-valuation/

OPEN HOUSE - SATURDAY AND SUNDAY 1-4 1923 Malachite Way, Roseville 355,000 For more information contact Kathy Sroka 916-201-3380... JUST LISTED! Nicely Updated home in desirable Roseville area. Formal living room and Separate family room w/ fireplace. Kitchen w/gas cook top, granite counters, breakfast bar and pantry. Master suite with lots of closet space. Covered patio overlooks nicely landscaped backyard. 2 car attached garage.

This is the iconic "Cosmos" statue that was dedicated in 1990 to the people of Roseville. It can easily be seen from I-80 when entering and leaving Roseville. It's one of the most widely recognized landmarks in Roseville. It's at the start of the Miner's Ravine trail and can be accessed from behind the Home Depot on N.Sunrise Blvd.

Home Prices Have Risen... Has yours? Find Out Now for FREE! http://www.sacramentohomeview.com/cma/property-valuation/

New decorative signs in Downtown Roseville, CA were put in as part of a renovation plan that started in 2012.

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Special Programs For First Time Home Buyers Help For Teachers And Other Professionals Seeking down payment assistance for first time home buyers can prove to be difficult in today’s real estate market. In the past, there were several national programs available, but since a downturn in real estate markets and lending institutions, most of these programs have become stagnant or eliminated altogether. You can still find some help available, but now that help may come at a lo...Continue reading

Simple Strategies For Getting Approved For A Mortgage Before a buyer even begins to look at homes, it is critical to know if they qualify for a mortgage, and how much of a loan they qualify for. There are several proactive steps that can be taken in order to prepare for getting approved for a mortgage. If followed, these tips will successfully guide you to realizing the dream of homeownership. Even though you will need to meet your loan officer in person, there are steps to... take to prepare yourself ahead of time. You may need to fill out an online application, or you may be asked to begin an application over the phone. Documentation will need to be submitted to the loan officer either in person, by email, fax, or mail. The loan officer will request documentation and items such as tax returns for the past several years, pay stubs, bank statements, retirement or investment fund information. The loan officer will also review all your debts versus income to determine what is called your debt to income ratio (DTI). In addition to calculating your DTI, the loan officer will review your credit history to ensure there are no defaults on previous loans, late payments, and the like. Oftentimes, there are items that appear on the credit report that are mistakes or items that have indeed been paid off but are still being reflected. When this occurs, you will need to contact the creditor to make the correction. These problems will need to be addressed and cleared up before the lender will approve your mortgage. With the above information, the loan officer will then be able to let you know whether or not you will most likely be approved for a loan. Final approval is issued after your loan application has been submitted to an underwriter. Depending on the outcome, you will then be able to either move forward with an immediate approval, or become aware of outstanding items that need to be corrected. It's not unusual for a few sticking points to appear when applying for a mortgage. Some of these items may include: tracking down required documentation, such as tax returns, pay stubs, legal decrees creating a history of paying all bills on time finalizing a divorce or any other lawsuit waiting for a bankruptcy or foreclosure time frame Although lenders are in the business of loaning money, they want to make sure that the borrower is going to pay back the money loaned; therefore they do require you meet their lending guidelines. The best tips to prepare for getting approved for a mortgage are relatively simple: pay your bills on time, have a good employment history, maintain proper documentation, and make any repairs necessary on your credit report. A good loan officer will assist in guiding you through these steps so that when it comes time to move forward and begin searching for that perfect dream home, your financial picture will be in excellent condition, ready to be approved for a mortgage.

Is Now The Right Time To Buy A House Take These 3 Steps To Find Out You will hear it said that today is a buyer's market. The current real estate market is primed for buyers to purchase due to a huge inventory of homes to choose from and low interest rates. If considering buying a home, now may just be the time to take action. Before answering Is now the right time to buy? some homework will be necessary. There may be a surplus of homes on the market, but buying a house w...ill depend on the financial situation of the individual buyer. Take these steps to craft a plan of action to make buying a home now, or in the future, a positive and lucrative experience. Step One - Contact a Trusted Loan Officer A loan officer will be able to review income, financial history, credit reports, and other documentation and advise the buyer on how much of a loan they can qualify for. There are literally hundreds of loans available, which is why consulting a loan officer is a smart thing to do. A loan officer understands the various products available and will present one or more options that best suit each individual buyer. Should the buyer not qualify for a loan at this time, they will come away from the experience with an understanding of what actions they need to take in order to qualify in the future. Step Two - Hire a Buyer’s Agent A buyer’s agent is a Realtor who works on behalf of the buyer, representing the buyer. The services should include negotiating for the buyer, consulting the buyer, listening to the buyer’s wants and needs, assisting in identifying the potential of a property, showing the houses to the buyer, providing market analysis on houses the buyer is interested in, determining fair market value, and assisting in the completion of documents to purchase the house. The initial consultation should help you determine if the agent is someone that you can work with. A buyer should interview two or three buyer's agents in order to find the best fit for them personally and professionally. Step Three Consult Other Recent Buyers This may include family members, friends, and co-workers. They will each have different experiences depending on a variety of factors, but it is good to start becoming familiar with what occurs during a real estate purchase. People do love to talk about their experiences buying a house, and it's your job as a home buyer to listen closely. Take it all in, then make a determination based on facts. Is now the right time to buy? The answer may be Yes! But first the buyer must understand how much of a home they can afford as well as the ins-and-outs of the real estate process. Consult a buyer’s agent who understands what you, the buyer, wants. Because, in a buyer’s market, there are hundreds of options available to the buyer who is prepared and has a plan of action in place.