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Why Most People Use A Real Estate Agent Or Broker To Buy A Property
One might wonder if the continued improvement in the access to online information about properties for sale has removed the need for working with a qualified real estate agent or broker. It has not.
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The 'Golden Girls' Strategy? Elderly Adults Share Home Ownership
The "Golden Girls" trend got its name from the popular television sitcom about four elderly women who live together to share expenses. It is becoming a popular way in real life for elderly adults to share homeownership and it has many benefits.
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What's Ahead For Mortgage Rates This Week - April 27th, 2020
Last week's scheduled economic news included readings on sales of new and previously-owned homes and consumer confidence. Weekly readings on mortgage rates and new jobless claims were also released.
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Don’t be Fooled. Forbearance is not Forgiveness.
The Federal Housing Finance Agency (FHFA) recently told lenders to allow borrowers to forego their mortgage payments for a period of time, usually 3 months, with an additional 3 - 9 month extension if needed. These are forbearance programs. In a forbearance, the borrower is allowed to miss payments for a certain amount of time and then […]
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First-Time Buyers' Guide: How To Get A Mortgage And Buy A House
When you are in the process of buying a home, there are a lot of moving parts that need to work together. It can be hard for you to keep track of everything that has to happen, particularly if you are going through this process for the first time. With this in mind, there are […]
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What's Ahead For Mortgage Rates This Week - April 20th, 2020
Last week's scheduled economic reporting included readings on home builder sentiment, housing starts and building permits issued. Weekly reports on mortgage rates and initial jobless claims were also released
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Insurance Check-up
For Renters – Did you know: Rental property owners carry insurance for property damage, but this does not cover damage or theft of your personal property. A renter’s policy covers this, and can even cover loss of personal items while traveling. Renter’s insurance can also cover medical and legal expenses for accidents on your premises. […]
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Quick Update on Home Prices and Mortgage Rates
Home price increases have cooled down over the past few months, but are still up over 2% from last year (according to Zillow’s most recent numbers). Over the next year, prices are predicted to rise another 2%. Zillow estimates the median value for homes in LA County is about $698,000. Rates are still very low, […]
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What is a Home Appraisal Exactly?
I often get questions about appraisals, so I thought I’d clarify some aspects. A home appraisal is not the same as a home inspection. In a purchase, the buyer is advised to get an inspection to determine the condition of the home. This is not required nor submitted to the lender. The primary purpose of an appraisal is to […]
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SoCal Home Price Changes
Home prices in Los Angeles county rose at a modest annual pace of 2.1% (according to the latest data from CoreLogic). The median price was $597,500. In Orange County the median price dropped 0.7% from last year to $720,000. Expectations are for prices to stay stable or slightly up over the summer months, with lower […]
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Low Down Payment Loans, Still Available
For properties priced between $500,000 and $726,000, only a 5% down payment is needed, and some loans are only 3.5% down payment. For properties priced at $500,000 and below, there are several loans with only 3% down payment required. Some of these are offered with a credit toward the full appraisal cost. With so many […]
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Flash: BIGGER Drop in Mortgage Rates!
In my last newsletter I highlighted the drop in mortgage rates. Well, this past week rates dropped even more. We are now at levels not seen in at least two years. If you were looking to buy a home and were not qualified, you might be now. Refinancing might help you save thousands of dollars […]
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Improving Your Credit Score – Avoid These Mistakes
Don't Close Credit Card Accounts. This reduces your combined credit limit and will make your relative debts appear higher. Don't Max Out or Over Charge Credit Card Accounts. Try to keep your balances below 40% of their limit during any loan process. Pay down balances if possible. Don't Consolidate Your Debt. When you consolidate all of your debt […]
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Home Appreciation Slows
Home prices seem to still be rising but at a much slower pace. Zillow predicts prices will rise about 3% over the coming year. Median price of a home in LA County is $623,800, with LA City being $694,200.
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Big Drop in Mortgage Rates
This past week mortgage rates had the biggest weekly drop in a decade! Rates are now nearly a half percent lower than they were last year. Homeowners, call me to see if refinancing will lower your payment. Home Buyers, I can help you see if the home you want is now affordable with lower payments.
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CA DRE #01455430
FL #L0117632
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