Buying a Home

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Buying a Home How Discount Points Work Last week, I talked about the closing costs home buyers need to be aware of when purchasing a property. These included lender fees such as loan origination, underwriting, and paying points (aka “discount points”), if applicable. It might help to know exactly what these points are and how they work before you decide if the […]
Buying a Home Closing Costs Buyers Need to Be Aware Of Your down payment is only one of the expenses you need to save up for when buying an Inland Empire home. You also need to save up for your closing costs. While these costs for a Riverside County home average about 5.35% of its sale price, the actual number may vary. These are the five […]
Buying a Home How Interest Rates Affect Home Buyers Last week, the real estate market was set abuzz by an almost 0.5% decline in the 30-year fixed-rate mortgage (FRM) interest rate. It dropped from a high of 7.08% to 6.61% in just one week. Why? Reports began to surface that inflation may have already peaked back in June. However, several Fed members tried to […]
Buying a Home First-Time Homebuyer Guide: When You Find “The One” For the past couple of weeks, I’ve been trying to make the Inland Empire home-buying process a little easier for first-timers by providing you with a guide of sorts to help ease the stress this so often creates. First, we talked about what to do before you start looking at homes. Then, we talked about […]
Buying a Home First-Time Homebuyer Guide: Searching for Your First Home Buying an Inland Empire home often brings with it some uncertainty, especially for first-timers. So, I thought I would put together a helpful first-time homebuyer guide. Last week, I talked about what to do before you start looking for a home to better prepare yourself for the process. Now, let’s go shopping! First-Time Homebuyer Guide: […]
Buying a Home First-Time Homebuyer Guide: Before You Start Looking Tired of renting? Ready to buy? Anxious about it? Completely understandable, especially for the first-time homebuyer. Let me help you relieve some of that stress by offering a guide to what you need to do before you start looking for your first home. First-Time Homebuyer Guide: Before You Start Looking Save For Your Down Payment […]
Buying a Home What Homeowners Insurance Does Not Cover As a homeowner, you need to know the difference between homeowners insurance and a home warranty. Both provide their own unique coverage of different areas of your Inland Empire property. Lenders require that everyone who borrows money for their home purchase must also take out insurance on their home. While it helps to know what […]
Buying a Home How to Avoid Buying an Overpriced Home Many of today’s Inland Empire home buyers search online at some point during their home-buying process. While prices may still be up from last year, buyer demand has cooled off a bit. That moved the Inland Empire real estate market to a more balanced state. Unfortunately, some sellers refuse to adjust their prices accordingly. They […]
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Buying a Home Tax Benefits of Owning a Home One of the benefits of owning a Southern California home is that you pay your own mortgage rather than paying someone else’s. Another benefit is that you build up equity for yourself. Also, there are several tax benefits to owning a home. These reduce your adjusted gross income. In turn, that lowers the amount of […]
Buying a Home What to Expect During Your Final Walk-Through You saved up for your downpayment and closing costs. After searching and searching, you found an Inland Empire home you absolutely loved. The sellers accepted your offer and you entered escrow. You might have waived a contingency or two to make the deal happen. But one thing you should never waive is a final walk-through. […]
Buying a Home Weighing the Pros and Cons of a 15-Year Mortgage vs a 30-Year Mortgage Saving up for a down payment. Finding the right house. Negotiating a sale. Then, financing it all. So many steps go into purchasing an Inland Empire home. When it comes to deciding on financial terms, one of the things your lender will discuss with you is whether you want to go with a 15-year mortgage […]
Buying a Home Ways You Can Finance Your Home Renovation Outdated kitchen. Overrun backyard. Unusable space. If you have a renovation project on your mind for your Inland Empire home, the first thing you have to consider is how you are going to finance it. Here are the most common options to make your dreams become a reality (and finance your home renovation). Ways You […]
Buying a Home How to Pay Down Debt the “Right” Way You want to buy an Inland Empire home. However, rising interest rates concern you. You need to get your credit in tip-top shape to receive the best mortgage rates available. A FICO score of 620 may get you approved for a loan, but an 800+ gets you the best rates. That can save you hundreds […]
Buying a Home Down Payment Saving Tips One of the biggest obstacles for Inland Empire home buyers tends to be saving up for their down payment. That typically runs anywhere between 3.5% and 20% or more of the sale price. For a $500,000 home, that means you need between $17,500 and $100,000. (The more you put down, the lower your monthly payment.) […]
Buying a Home Home Buying Tips for Navigating a Seller’s Market Several years ago, home buyers had the pick of the litter when it came to purchasing a Southern California property. Decent interest rates and tons of inventory helped first-time buyers easily enter the market. Oh, how the tide has turned. Rising interest rates, low inventory, and high buyer demand put us in a strong seller’s […]
Buying a Home How Bankruptcy Affects the Home Buyer The last couple of years affected the lives of billions of people around the globe. For some, that meant losing their job. If you took a financial hit to your household income, you might have needed to declare bankruptcy. Afterward, you managed to pull yourself up, dust yourself off, and found a great job. In […]
Buying a Home Pre-Approval vs Pre-Underwriting When buying an Inland Empire home in the past, you may have heard about pre-qualifying and pre-approval. In today’s highly competitive real estate market, most sellers will not even look at an offer if the buyer does not include a pre-approval letter. But, there is something even better than a pre-approval letter. And that is […]
Buying a Home Priority Tasks for Your Move Into Your New Inland Empire Home Moving into a new Inland Empire home is an exciting time. In fact, you’re probably daydreaming about decor, paint schemes, and new furniture. But before you get into the fun stuff, there are some basic priority tasks for your move that you should cover first. Priority Tasks for Your Move Into Your New Inland Empire […]
Buying a Home What to Negotiate When Buying an Inland Empire House Whether you are a first-time homebuyer or a seasoned veteran, the negotiation part of the transaction can be a little daunting and stressful. However, it is necessary to ensure that you are getting the best possible deal for your money. So, what should you negotiate when buying an Inland Empire home? What to Negotiate When […]
Buying a Home Top Tips for Inland Empire House Hunting Online Hunting for a new Inland Empire home online is a great place to start your search. However, this should not be your end all be all. Good listing agents are excellent at highlighting the best features of the home. But keep in mind that there may be more than meets the eye. To make the […]

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