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Showing posts with label Orange County Home Buying Tips. Show all posts
Showing posts with label Orange County Home Buying Tips. Show all posts

Are We Facing a Recession?


2008 was an outlier because real estate can do well during a recession.


 

Today I’m joined by Dave Marzinke from Movement Mortgage to talk about whether we will be facing a recession in the near future.


Goldman Sachs and Merrill Lynch are saying that there is a 35% chance that we’ll see a recession next year. There are some indicators, like inflation, in the market that support this theory. When the Federal Reserve starts raising interest rates to get a handle on inflation, that's often a precursor to a recession as well. 


Many people think of the 2008 housing market crash when they hear the word recession. However, that was an anomaly and isn’t what normally happens during a recession. Historically, real estate has either performed well or above expectations during recessions because interest rates come down during those times. That helps with affordability. The economics are completely different than in 2008.


If you have any questions, give us a call, text, or email. We look forward to speaking to you.

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Location: Orange County, CA, USA

When Does Offering Over List Price Make Sense?


Here’s a tool from our pal Dave that can help buyers make better decisions.

I’m back once again with my good friend Dave Marzinke from Movement Mortgage to talk about a topic that’s been coming up a lot in my conversations. With a lot of homebuyers facing multiple-offer situations, people are unsure whether or not they should make an offer over list price just to get the home they want. The answer is that it all depends, but we have a tool that can help you make a decision.

It doesn’t always make sense to make an offer over list price.
 
It’s essentially an online automated valuation model that gives a forecasted home appreciation for a particular home over the next 12 months and over the next five years. In some cases, it may make sense to go in and make an offer over list price based on a great future forecast. Over the long term, it could be a great move.

If you have any questions or want a better idea of whether a home is worth buying over list price, reach out to Dave at (949) 449-2477. If you have any other real estate-related questions for me, don’t hesitate to reach out via phone or email anytime. We look forward to hearing from you soon.
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Location: Mission Viejo, CA, USA

Buyer Closing Costs


These are the closing costs buyers need to be aware of when purchasing.

As a buyer, closing costs are a part of doing business when closing a transaction. Here are six such fees to prepare for when buying a home:

1. Title fees. Here in California, title representatives will conduct a background check to ensure the property is clear of any liens or other encumbrances, so they’ll have their own fees. How much this will cost you depends on the price of your home, but if you’re getting a loan for, say, $465,000, it will be in the neighborhood of $1,400.

2. Escrow fees. If you buy in California, escrow companies will cover all the documentation and act as middlemen between you and the seller. Typically, they account for 1% of the purchase price. These fees can include notary fees, so if you’re able to go to your agent’s office to sign any paperwork, you can reduce the cost of this fee.

3. Home inspection fees. You don’t have to order any inspections, but it’s highly recommended that you do. A general home inspection costs anywhere between $400 and $600—depending on whether the property is a condo or house. 

There are six fees to prepare for when buying a home.

4. Lender fees. The exact cost for this fee depends on which loan you apply for—FHA, conventional, jumbo, etc. Talk to your lender and ask for a quick overview of the fees they’ll charge to get a good idea.

5. HOA fees. If the property is in an HOA neighborhood, you’ll have to pay the HOA transfer fee.

6. Property taxes. Real estate taxes are prorated at closing, depending on the day and month of your purchase.

On the seller side, these fees can be provided by your agent. You can also ask the escrow company to provide a detailed net sheet of each estimated cost before listing your home.

As always, if you have questions about this or any real estate topic, don’t hesitate to reach out to me. I’m here to help.
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Location: Mission Viejo, CA, USA

Q: How Do Buyers View Homes Virtually?


With fewer in-person showings, virtual showings are more popular than ever.

If you’re thinking about selling your home, its online presence is more important now than ever. Here are a few tips to help enhance your online listing and ensure that it catches the eyes of homebuyers:

1. Plan ahead. Using your pictures and videos you can set up a website for your virtual open house. Buyers can sign up, sign in, and even make an appointment to see it in person.

2. Come prepared. Make sure that you have masks, sanitizer, and gloves if you do have buyers coming to see a home in person. Practice social distancing, too! Turn on the light switches and leave all the closets and doors open.

3. Do a walk-through. Before a buyer sees the home in person, you can take a virtual video tour of the home and post it on Facebook and your MLS listing.

If you have any questions about how to show your home virtually and/or in person right now, don’t hesitate to reach out via phone or email. I look forward to hearing from you.
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Q: Is It a Good Time to Buy or Sell?


It’s a strange time, but our real estate market is still active.

A lot of people have been asking me if it’s a good time to buy or sell a home. Even though we’re still in a global pandemic, I want to reassure you that the real estate market is moving along. Over 2,300 home sales closed in March in Orange County across all price ranges. We’re still doing business, albeit in a more safe and socially distant manner. What can you expect in the coming months? To find out, watch this short video above.
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How We’re Helping Clients Buy Virtually


It may seem like the world’s ground to a halt, but many people still need to buy or sell a home. Here’s how we’re stepping up to help.

Today I’m sharing some of the steps I take to help people who are otherwise unable to buy or sell in this ever-changing market. It all starts with arranging a virtual meeting for us to discuss your preferred time frame for buying or selling, and what features you’re looking for in your next home. I’ll set up a search criteria within a specified area for price ranges, amenities, build types, etc. and send matching properties directly to you via email. From there, we can carefully narrow down your options. Getting in and out of homes right now is difficult, but that’s where virtual tours come into play; I’ll be able to enter a home myself, showcase its features via a live or pre-recorded video, and answer your questions. To learn more about other awesome tools, like 3D Matterport virtual walkthroughs, watch the short video above.
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Buying and Selling Amid COVID-19


There are many pros and cons to buying or selling a home right now. Here’s what you need to know.

Today I’m discussing the pros and cons of buying or selling a house during this pandemic. People who have lost their jobs may not be able to make their mortgage payments and might not be able to keep their homes. Of course, that’s heartbreaking, but they’re able to sell right now despite the health crisis. Also, more houses coming onto the market benefits buyers. Additionally, interest rates are currently extremely low. To learn more about buying and selling amid the coronavirus, watch the short video above.
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How a Cross Collateral Loan Can Help You Buy & Sell Simultaneously


Cross collateral loans can help you buy and sell at the same time. Here’s how.

Today I’m joined once again by Dave Marzinke of Movement Mortgage to discuss cross collateral loans.

I have a client who’s looking to sell a $1-million house in Mission Viejo that they only still owe $550,000 on. They’re also looking to purchase another house, so the plan was to sell their current home first, and close on their new home, which is listed at $1.2 million. However, this process comes with moving problems and whatever complications arise from needing to coordinate closings.

This is where the cross collateral loan can help. Nobody wants to be a contingent buyer and have to sell their current property and be in escrow before making an offer on a new home, so this loan allows you to place a loan on two properties at the same time. It also allows for more flexibility on the down payment you’ll need for your new home.

Nobody wants to be a contingent buyer and have to sell their current property and be in escrow before making an offer on a new home.

So hypothetically speaking, let’s crunch the numbers for my client. The combined value of their current home and future home is $2.2 million. The cross collateral loan can be up to 90% of that value—in this case, $1.98 million. After paying off the balance of their current home, that leaves them with a little over $1.4 million to buy their new home. They can technically buy with no money out of pocket.

To qualify for a cross collateral loan, you’ll need a minimum FICO score of 700 and a minimum debt ratio of 50%. You’ll also need six months’ worth of cash reserves for your loan payment.

If you have questions about cross collateral loans or any other real estate topic, don’t hesitate to reach out to me. I’d love to help you.
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Location: Mission Viejo, CA, USA

2 Handy Financing Options for Investment Property Buyers


If you’re thinking of buying an investment property, here are a couple of handy financing options.

I have a client who’s looking to buy a duplex in San Clemente that’s priced slightly under $1 million. If you find yourself in a similar situation, what kind of financing should you use to purchase your property?

According to Dave Marzinky of Movement Mortgage, there are two options you should consider.

The first is conventional financing. The minimum down payment for this option is 15%. You can then use 75% of the gross rent of the other units to finance the purchase. The minimum FICO score needed for this loan is 620 but, as always, the better your credit score the better your financing terms will be. Since my client’s score is roughly 740, her interest rate will be in the 3% to 4% range.

The better your credit score the better your financing terms will be.

The second option is an FHA loan, whose minimum down payment amount is 3.5%.

In any case, passive income is a great way to build wealth, and with interest rates as low as they are, it’s a great time to buy an investment property. If this is something that interests you, don’t hesitate to reach out to me so I can help you get the ball rolling.

As always, if you have any other real estate questions, feel free to reach out to me as well. I’d love to help you.
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Location: Mission Viejo, CA, USA

5 Key Points to Know About the Home Inspection Process


For any buyer, the home inspection is a vital part of the purchase process. Here are the five points to understand and follow as you progress through it.

Any buyer in search of a home should be aware of how the inspection process will unfold when the time comes to make a purchase: Here are five key points.

1. Get a home inspection. It’s not enough to find just any old inspector—you’ll want to get one that’s certified. I have a list of long-established, certified inspectors I use that have kept up with state exams and who have made sure they operate with the latest standards.

2. Make sure the inspector is checking off all items on the evaluation. There are hundreds of items in this report and they go way beyond just matters of cosmetics—behind-the-scenes items such as the plumbing, electrical, AC units, etc., will be included as well. The inspection could take between two to four hours, but you’ll want to be present. This is your opportunity to ask questions and to make sure all the boxes have been ticked off the list in both the interior and exterior of the home.

The final walk-through is your chance to make sure that the house’s present condition is no different than how it was when you entered escrow.

3. Ask questions and ensure the specifics are covered. Above all else, you need the inspection to be clear and concise, leaving no room for ambiguity. The report will usually be compiled within 24 hours, and your real estate professional will go over the highlights of the inspection with you to make a judgment on what items need to be addressed, if any.

4. Negotiate items in need of repair with the seller. Who’s going to be fixing those items? The seller may pay for the repairs, they may agree to a credit, or you may forgo making a request from the seller altogether. Safety issues such as fire alarms and detectors should be addressed before closing. Remember: Because the inspector can’t subsequently be held liable, anything that isn’t identified during the initial inspection becomes your responsibility to deal with.

5. Do one last walk-through with your Realtor. This is your chance to make sure that the house’s present condition is no different than how it was when you entered escrow.
 
If you have any questions about today’s topic or anything else real estate-related, please reach out to me by call or text at 619-379-7664 or by email at KWSmith3443@Gmail.com. We look forward to hearing from you!
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Location: Mission Viejo, CA, USA

The Benefits of Buying a Condo in Southern California


Today we’ll cover a few pros and cons of purchasing a condo in Southern California.

If you’re considering buying a condo, you should be aware of the pros and cons of doing so before you make your final decision.

One of the greatest benefits of buying a condo in Southern California is that it affords buyers the chance to live in locations where a single-family home would be astronomically expensive. A condo is a great alternative to a single-family home if you want to live within walking distance to certain amenities.

Another benefit of condo living is the security it provides. Condos are usually gated and include a parking structure, meaning residents have a level of protection not always available to people who live in single-family homes.

And speaking of practical benefits, living in a condo also means that many maintenance tasks are taken care of for you. Condo residents don’t need to worry about mowing their lawn or cleaning the pool. These things, as well as certain utilities, are covered under the monthly condo fee that residents pay. These fees, which are split up between all the building’s units, also gives residents access to various amenities. The fact that fees are split up could be viewed as a drawback, but only if you’re living in a condo with a low number of residents.

Condos are a great alternative to a single-family home if you want to live within walking distance to certain amenities.

But what about financing? The lending process for condo purchases has historically been a point of concern for buyers, but, recently, condo financing has been made much easier than in the past.

There are currently three main loan options for condos: conventional, FHA, and VA. Conventional and FHA loans both offer lower down payment options, but FHA loans do carry a higher level of restrictions. Even so, many of these restrictions have been made more lenient in the recent past. The best way to know which loan type is best for you is to discuss your individual circumstances with your lender.

Ultimately, the decision of whether or not to purchase a condo will depend heavily on your lifestyle and goals.

If you have any other questions or would like more information, feel free to give us a call or send us an email. We look forward to hearing from you soon.
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Location: Orange County, CA, USA

A Strategy to Help You Find the Right Home at the Right Price


If you’re a homebuyer, I have a strategy you can follow that will allow you to take advantage of our current market.

As a buyer, what kind of strategy should you use to find the right home at the right price in our shifting market? There are a few keys to keep in mind.

First, have a number in mind of what you want to spend on a monthly basis for your mortgage. Lending is opening up, and there are mortgage options available that will allow you to have the terms of your payment bought down. Although home prices have come down recently, they’re not going to drop, and since interest rates are rising, you’re better off buying now than waiting, say, six months. Even if you do wait and find a lower-priced property, you’ll still end up paying more for it because you’ll have a higher mortgage payment.

Next, make sure you know what you want in your future home. In this regard, it helps to sit down and write out a list of things you want versus things you need.

Since interest rates are rising, you’re better off buying now than waiting, say, six months.

Also, be sure to minimize the number of contingencies in your offer. The more you can minimize your contingencies, the more attractive your offer will be. The contingencies in your offer help to protect you, but they don’t offer the seller any protection, and they can prevent you from closing in a timely manner. In addition to minimizing your contingencies, you can also make your offer more attractive by doing things like getting pre-approved and putting down a high down payment.

Lastly, be ready to walk if the deal just doesn’t work. If the price is just too high or the location doesn’t work, don’t get emotional about it—know what you need and know when you should walk away.

If you’d like to start your home buying journey and you want to talk more about developing a strategy that will find you the right home at the right price, don’t hesitate to give me a call. I’d love to help you get started.

If you have any other real estate needs, feel free to reach out to me as well. I look forward to speaking to you.
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Location: Orange County, CA, USA

Pro Advice About Home Buying for First-Timers


Today, Jay Rodriguez from New American Funding is here to give new homebuyers a few tips for how to set themselves up for success when entering the market.

Today’s guest is Jay Rodriguez from New American Funding. This past weekend we were talking when I had millennial buyers come in that got me thinking: What are the steps and tips that new homebuyers should know when they’re looking to enter the market?

Jay’s first point is to actually examine where your money is going and start saving. We live in a cashless society nowadays, so be sure that you’re keeping track of your money. There are apps that you can download that will help manage and track your expenditures, which will come in handy if you want to keep an eye on your funds.

The more money you’re able to contribute to your home purchase, the less financing you’ll need, meaning that your monthly payments will be lower. You’ll be more likely to qualify for a loan and you’ll happier with your monthly payment situation.

Further to that, pay attention to your credit. There are programs that will accept a credit score as low as 580, but the higher your credit is, the better off you’ll be in terms of what financing you have access to.

You should be speaking with a credit specialist as soon as possible in the home buying process. You need to find out what, if any, issues your credit has so that you can repair it if necessary.

You should be speaking with a credit specialist as soon as possible in the home buying process.

Apps like Credit Karma and certain credit unions will send you your credit report, but many people don’t realize that there are many different versions of your score. In the mortgage game, we’re stuck with a model that hasn’t been updated since 2009. Also, if you have medical debts or similar collections, those will be viewable on a completely different report from the one that’s pulled by Credit Karma.

Jay’s first step to beginning the home buying process is to speak with an agent you trust and like. They need to be an expert in the market and know the area you’re looking to buy a home in.

He also recommends attending open houses, which are free. These allow you to see the neighborhood and imagine yourself living there.

Finally, get yourself a lender. New American Funding is licensed in all 48 states of the continental U.S. and would be happy to hear from you. Call (949) 214-2810 to set up a consultation.

If you have any questions about real estate in Southern California, please reach out to my team. We’d love to help you.
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Location: Orange County, CA, USA

Strengthen Your Offer by Getting Pre-Approved


Today’s special guest has some important information to share about his approach to helping clients through the home buying process.


 Today I’m joined by a new special guest, Frank Blakeley with Bay Home Equity Loans, to talk about the home buying process. 

 First of all, Frank says that when he works with clients, he likes to treat their transactions as if they were his own. 

 So, the first step Frank takes with his clients is talking about their financing goals. Frank asks clients about how much they have for a down payment, what they can afford for a monthly budget, what type of home they are looking for, and more. 

 This conversation will determine whether the client’s goals are possible and, if so, what needs to happen for those goals to be met. 

 The next step is filling out an application, which can be done over the phone or through email. Frank has found that 70% of the people his team works with are able to become pre-qualified after filling out this application, and pre-qualification is half the battle.
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With proof of pre-approval in hand, buyers are able to make much stronger offers.

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Of course, pre-approval is what truly verifies a buyer’s ability to make a home purchase. This is why Kevin and his team use their underwriter to help buyers obtain a fully underwritten pre-approval. With proof of pre-approval in hand, buyers are able to make much stronger offers. 

 Sellers benefit from this pre-approval as well. It affords them peace of mind in knowing that their transaction will run smoothly and on time. 

 If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.

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Location: Mission Viejo, CA, USA

How Can You Prepare for Your Next Home Purchase?



Before you begin your home search, it’s critical that you take some steps to prepare. Today, I’ve got six things for you to think about.

Selling a home? Click here for a FREE Home Price Evaluation

Today, I’d like to share a list of six things to think about when preparing to purchase a home. 

1. Check your credit. If you don’t already know your credit score, you definitely want to pull your report. Two options I recommend are www.annualcreditreport.com and Credit Karma. If you have some time before you buy, focus some energy on improving your score. No matter where your score is now, a better score will almost always help you get a better rate.

2. Don’t open up new accounts. Your credit history is based on how long you’ve had your credit, how often you pay, and whether you pay on time. The last thing you want to do before buying a home is open up a new line of credit.

3. Using gifted money toward your home purchase. Around the holidays, consider asking for financial gifts instead of material items. A little extra cash could go toward your down payment, and help you transition more smoothly into your new home.


Knowing what you can actually afford before you start looking will save you a lot of trouble.



4. Keep an eye on interest rates. Even a slight increase in interest rates will decrease your buying power, so being aware of current rates before you purchase a home will give you an advantage.

5. Get a lender. If you don’t already have a lender, I would be happy to give you some referrals.

6. Get pre-approved. Knowing what you can actually afford before you start looking will save you a lot of trouble. Once you provide some documents to your lender, they will be able to get you pre-approved so that you can start your home search.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.
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Location: Orange County, CA, USA

The Pros and Cons of Living on a Golf Course



If you’re looking to buy property on a golf course, there are many factors you should take into account.

Selling a home? Click here for a FREE Home Price Evaluation

Recently, one of my clients was interested in purchasing a home on a golf course. While this might sound like a great idea, there are seven different things you should consider before you go through with the purchase:

  1. Find out if it’s a private, semi-private, or a public golf course. If it’s a public course, you might expect to see a lot more people playing there than if it was a private course.
  2. Do they host other events? This may affect certain things, such as area parking and traffic, depending on how close to the course your property is.
  3. Is the property located on the green, the fairway, or the tee box? Properties on or near the green will expect to see golfers meandering around for longer periods of time, whereas properties closer to the tee box will only see those people teeing off, and golfers will spend less time nearby. On the fairway, golfers may not even be in front of your house at all.
  4. Consider the views. Can you see the course itself? What about the lake or other water features? Does it have a view of the mountains? Perhaps the house is on or near a signature hole at the course. These can have a definite impact on pricing the house.
  5. Does the golf course require membership? Find out whether or not you’ll need to pay for membership. It may not be a bad idea to look into what other features they offer, such as tennis courts, restaurants, or pools, and what it might cost to enjoy those amenities.
  6. You have to consider those playing on the golf course if you host your own event on your property. Disturbing players with noise and distractions may get you into trouble later down the road.
    7. You have to consider those playing on the golf course if you host your own event on your property.
  7. How well is the course maintained? Golf courses require a lot of meticulous upkeep, so there will likely be maintenance crews near your property using noisy machines like mowers and blowers throughout the day.

Finding the answers to these seven questions will help you determine whether or not living in a home near a golf course is the right fit for you.

If you have any other questions, feel free to give me a call or send me an email. I would be happy to help you!
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Location: Orange County, CA, USA

2 Myths That Millennial Homebuyers Believe



Today I’m debunking two commonly held myths that millennials have about home buying.

Selling a home? Click here for a FREE Home Price Evaluation

 I had a situation that came up this weekend with a young couple who came along to a showing with their parents. I wanted to take some time to debunk two commonly held myths among millennial homebuyers.

1. You need to pay more than 20% down on your purchase. This couple was looking at a $500,000 condo last weekend. They were only 27 years old and believed they needed to put 20% down on the condo before they could buy it. The thing is, 20% of the purchase price is $100,000. That’s quite a bit of money, especially for this couple.

What I suggested was against the father’s advice, but that they should strive to put 10% down on the condo. Now, of course they’ll have to pay the mortgage insurance because they’re coming in with less money, but the payment would only be an additional $247 per month instead of waiting and coming up with the additional $50,000.

If you can’t make a 20% down payment, talk to a lender about other options.

Ideally, you’d want to come up with the 20% down payment, but if that isn’t immediately feasible, the best option is to talk to a lender and see if you can come to an agreement to pay less of a down payment so that you can get into the home quicker instead of waiting to save that additional money.

2. Many millennials are under the impression that you need to have a credit score of more than 780 to qualify for any home loans. While that is a great credit score, the reality is that 54% of people have a credit score that is less than that.

There are many different types of loan programs that allow you to qualify for financing with a credit score that is lower than 780. Granted, you probably won’t qualify with a 500, but if your credit is higher than 640, most lenders can work with you.

 If you have any more questions about this topic or you’re looking to buy or sell a home, please feel free to reach out to me. I’d be happy to help!
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Location: Orange County, CA, USA

What Will a Monthly Home Payment Look Like?



How much does a home truly cost? We’ll break it down for you today.

One of my clients recently asked me how much of a home they could afford. I wanted to answer that question today by breaking down the cost of homeownership on a monthly basis.

To get a quick estimate of what your mortgage payments would be like when buying a certain home, you can visit my mortgage calculator here. Just put in the price of the home you’re thinking about buying, how much you’re putting down, the interest rates, and the length of the loan. Then you’ll get an estimate of your monthly payment.

Use our mortgage calculator to figure out your payment.

For example, let’s say you’re buying a home for $500,000 and only putting 10% down. Putting less than 20% down will result in you having to pay private mortgage insurance which would be an extra $250 on your payment each month.

There are also a few other costs that go into this monthly payment, including a tax rate of $55 for every $100,000 the home is worth. Property taxes will also cost you approximately $15 for every $1,000 of home. In the end, the monthly payment for a $500,000 home like this would be about $3,159.

If you have any other questions for us, don’t hesitate to give us a call or send us an email. We look forward to hearing from you soon.
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Location: Orange County, CA, USA

A Handy Program for Savvy Buyers



I’m joined once again by Barry Krevoy to talk mortgages. He’s got a program right now that can save buyers thousands over the life of their loan.

Selling a home? Click here for a FREE Home Price Evaluation

 Today I am excited to be joined once again by our preferred lender, Barry Krevoy. He’s with us today to talk about a great program that he has access to that could greatly help you if you’re thinking about buying a home.

Most lenders want you to put at least 20% down on your home purchase, but you aren’t required to. However, if you don’t put that 20% down, you will have to pay mortgage insurance each month. On a $450,000 loan amount, you could pay over $300 per month in mortgage interest alone.

To get around this problem of having to shell out thousands of dollars extra over the life of your loan, Barry has an investor down payment assistance program. With this program, you bring as much as you can to the table for the down payment, and the investor will cover the rest up to 20%, eliminating mortgage insurance.

When you add up all the money you would have had to pay for insurance over the life of the loan, this program is saving you tens of thousands of dollars. This program helps buyers out by giving them a partner. If you end up selling the home at a loss, the investor will take the loss with you.

This is a fantastic program for any buyer.

Another way this program helps, especially in Orange County, is by allowing you to win homes that are just outside of your price range. If you only qualify for $500,000 and your dream home is listed at $510,000, the investor can help you cover the difference. It’s really an amazing program.

 If you have any questions about this program or any other loan program for that matter, give Barry a call at (949) 735-4009. If you have any other questions, we are always here to answer them as well. We look forward to hearing from you soon.
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Location: Orange County, CA, USA
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