Wednesday, August 3, 2022 / by Emman Cristobal
A VA loan is a top benefit of military service for eligible veterans, service members, and surviving spouses. It allows you to qualify for a low-cost mortgage when you’re looking to purchase or refinance, even if your credit isn’t perfect.
If you currently serve in the military or are a veteran, you’re potentially eligible for a VA loan. This article will explain what you need to know about these special government-backed loans, including rates, qualification requirements and special benefits for disabled veterans.
What Are The Closing Costs For A VA Loan?
As with any type of mortgage, VA loans have fees associated with getting the loan. These fees are often called “closing costs,” and they are paid to the lender for services rendered in creating and processing your mortgage. Note that closing costs must be settled before the loan can close and the funds distributed.
How Much Will You Pay For VA Closing Costs?
Aside from the bene ...
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Wednesday, July 27, 2022 / by Emman Cristobal
Boy... It's Hot and not just Outside.
You do not have to be a weather person to predict the weather this time of year. We all know... it has been one of the hottest years on record unfortunately, but fortunately for real estate, these past 3 years have been on fire, creating opportunities for both sellers and buyers alike. Sellers have been cashing in and buyers, with the advent of remote working or pivoting to new jobs, have been able to escape city life for more room and homeownership in the suburbs. So, what’s the weather like right now? The market temperature is cooling, due to rising interest rates with industry experts predicting another 1-2% higher interest rates in the next 12 months.
What does that mean for you? It’s a great time to sell and to buy, because home prices will continue to steadily rise, just not at the unprecedented rate of the past 3 years. That unprecedented rate is the only bubble and it has already burst.
It’s a great time to in; ...
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Thursday, July 14, 2022 / by Emman Cristobal
Who hires our team? There’s a difference between real estate agents and the results they get. Many experienced home sellers know firsthand all about it. Like the people who hire our team to help them with their home sale. Here are the people who most frequently hire our team and why. CEOs, executives and business owners. Why? Because they run their businesses as teams. So, they understand and appreciate our team system. They know this is the most productive approach to complex situations.
Sales professionals and marketing-oriented entrepreneurs. They quickly recognize the superiority of our sophisticated system for selling homes as quickly as possible for top dollar. They have the background and experience to understand the power of the multimedia multi-step system that we’ve perfected. Doctors, hospital, administrators and nurses. Why? Like the executives, they are thoroughly familiar with the benefits of a team approach.
It’s the way they work all the time. Ex ...
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Thursday, July 14, 2022 / by Emman Cristobal
Let’s talk about the benefits of getting pre-approved for a home loan. There are two major benefits. First of all, by getting pre-approved for a home loan, you’ll know exactly how much house you can afford to buy. You won’t waste time looking at homes above or below your price range. The second benefit of getting pre-approved for a home loan is that when you see a home that you like, you can act immediately with a firm offer and negotiate the lowest price possible.
Here are some important questions you may want to ask a lender. Do you offer discounts to first time home buyers? Is private mortgage insurance or any other kind of insurance required? What if I sell my home before the term is up, can I pay off the mortgage early without penalties? Your realtor can also provide you with expert advice on all these questions. It’s important to identify all the upfront costs of buying your new home before getting to the closing day.
Don’t be afraid to ask a ...
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Thursday, July 14, 2022 / by Emman Cristobal
I would look for a realtor that has proven time and time again, that the many unique programs they offer, help their clients find the home of their dreams for the best possible price. For example, a real estate agent that offers a Home Hunter Service, that provides buyers automatic access to the best deals on the market before other buyers even know about them. This includes bank foreclosures, distressed sales, and corporate owned homes. As you probably know the best housing deals go quickly, which makes it very important for you to get the jump on other buyers who may be looking for the same type of home you are.
A service like this should give you free access to all the homes that fit your home buying criteria. The realtor who gave you this video has this type of program in place. You simply outline the criteria most important to you in a home and then the realtor will cross match your criteria with all the new listings on the Multiple Listing Service. As soon as houses come o ...
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