Ridgefield and Redding Real Estate With Lonnie

Closing Costs

2008-01-24T15:36:00.000-08:00

Did you know that there are required fees for loan processing and other closing costs? Typically, closing costs range between 2-5% of your mortgage loan. Also, these fees are required to be paid in full at the final settlement. However, this may vary if you are able to include them in your financing plan.

For more information or if you have any questions, contact me. I can help you in your Home-Buying Process and help to make it enjoyable! I look forward to exceeding your expectations!

Down Payments On Loans

2008-01-05T15:28:00.001-08:00

Did you know that most loans today require a down payment of between 3.5% and 5.0%? Of course, this also depends on the type and terms of the loan. There are some other options, for instance, if you are able to put 20-25% down, you may be eligible to take advantage of special fast-track programs and possibly eliminate mortgage insurance.

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

How much home can you afford?

2007-12-23T23:18:00.000-08:00

There are three key factors to consider when applying for a loan:
1. Down Payment
2. Loan Qualification
3. Closing Costs

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. For more information or if you have any questions, feel free to contact me. I am truly dedicated to making your experience fun and smooth!

Qualifying For A Mortgage

2007-11-30T18:41:00.000-08:00

Did you know that many lenders require a monthly payment range between 25-28% of your gross monthly income?

Your mortgage payment to the lender would include the following:
The principal on the loan
The interest on the loan
Property taxes
The homeowner’s insurance

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

What A Good Realtor Can Show You

2007-11-18T14:44:00.000-08:00

Let me help you with the following:

· Saving you endless amounts of time, money, and frustration.
· Sharing knowledge on the housing market inside and out and can help you avoid the “wild goose chase.”
· Assist you with the purchasing of any home, even if it is listed elsewhere or if it is being sold directly by the owner.
· Direct you to the best lenders in the area
· Provide knowledge and direction on down payments, closing costs, and monthly payment options that are best fitted for your lifestyle
· And so much more!

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. For more information or if you have any questions, feel free to contact me. I am truly dedicated to making your experience fun and smooth!

Why You Need A Realtor

2007-10-31T20:50:00.000-07:00

Realtors have been around the block and make expert negotiators with other agents. They are seasoned financial advisors with clients, and excel at navigating around the local neighborhoods. They are formal members for the National Association of Realtors (NAR) and must abide by a Code of Ethics and Standards of Practice enforced by the NAR. Let’s face it, a professional Realtor is your best resource when buying your home and can save you time and potential frustration!

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. For more information or if you have any questions, feel free to contact me. I am truly dedicated to making your experience fun and smooth!

Benefits of Loan Pre-Qualifying And Pre-Approval

2007-10-19T20:46:00.000-07:00

Find out why many buyers apply for a loan and obtain approval before they find the home they want to buy.

Pre-qualifying will help you because:
1. Typically, interest rates are locked in for a set period of time. It helps to know and plan in advance what your payments will look like.
2. You will know up front the homes you cannot afford.

Pre-approval will help because:
1. Secure financing may lead a seller to be more biased in your favor.
2. You have more options on a loan package as you not under any pressure!

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

Buying A Home Is A Definite Investment!

2007-10-05T11:10:00.000-07:00

Some reasons why:

1. The property taxes and interest are deductible
2. Typically, a home is one of the largest assets an individual may obtain and can be considered one of the most valuable investments available.
3. A portion of each mortgage payment goes to the principal
4. A home is one of the few investments that you can enjoy by living in it.

If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

GREAT REASONS TO BUY A HOME

2007-09-21T14:56:00.000-07:00

Here are some GREAT reasons for buying a home:

Quality of Life – Imagine coming home to YOUR home!
It’s Tax Deductable!
Great Appreciation Potential
Deferred Gain and Capital Gain Treatment
It’s A Once in a Lifetime Exclusion
You Will Have Pride in Your Home
No Landlord But Yourself!
Great Investment Leverage (where else can you buy such a large size of an investment with 5-10% down?)
The Real Cost of Renting, e.g., at $700 per month, with a 6% rental increase per year, you will pay $110,719 over a 10 year period! Yikes!)

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations.

Finding Your Ideal Home Does Not Happen Everyday

2007-08-31T12:05:00.000-07:00

Welcome! You are about to embark on the exciting journey of finding your ideal home. Whether it is your first home or your tenth home, a retirement home, or an investment property, I look forward to making your home-buying experience fun and exciting.

Purchasing a home is a very important decision and a big undertaking in your life. In fact, most people only choose a few homes in their lifetime. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations.

So, if you haven't already done so, don't forget to request our free Complete Guide to the Home-Buying Process to assist you in this process. In the interim, over the next few weeks, I will be sharing some insights about home buying that will make your home-buying process easier and fun!

I look forward to exceeding your expectations!

Today

2007-08-13T07:12:00.000-07:00

I'm going to help some people today.

Someone needs my help to sell a house...not just a house.
Chances are they've
Lived there...
Loved there...
and despite the faults of the house or the owners, it's a home. To them, I pledge the respect that I would want others to have for my home and for the members of my family.

Someone needs my help today to find a home…
not just a house. Invariably a new home means new hope for
a new opportunity
a new job
a new marriage
...a new start
a new neighborhood
a new chance

for the warmth and joy and friends and fulfillment they picture for themselves in their very best moments.

Not many people get the opportunity to help other people in times so dear-to-life
...but I do
and I can
and I will
for their sake
and for mine.

So, if you haven't already done so, don't forget to request our Complete Guide to the Home-Selling Process. I hope to hear from you!

We’d love to hear from you!

2007-07-26T14:32:00.000-07:00

Contact me if you are ready to begin this journey or if you have any questions. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

Still Interested In Buying A Home?

2007-07-13T00:11:00.000-07:00

Purchasing a home is a very important decision and a big undertaking in your life. Whether it is your first home or your tenth home, a retirement home, or an investment property, I hope to make your home-buying experience fun and exciting. Let me help you find the ideal home with the least amount of hassle; and I am devoted to using my expertise and the full resources of my office to achieve these results!

So let’s take this exciting journey together -- Contact me and let me show you an enjoyable and professional way to enter into the home-buying process.

I look forward to working with you!

What Exactly Is An Escrow Account?

2007-07-01T23:55:00.000-07:00

An escrow account is a neutral depository held by your lender for funds that will be used to pay expenses incurred by the property, such as taxes, assessments, property insurance, or mortgage insurance premiums which fall due in the future. You will pay one-twelfth of the annual amount of these bills each month with your regular mortgage payment. When the bills fall due the lender pays them from the special account. At closing, it may be necessary to pay enough into the account to cover these amounts for several months so that funds will be available to pay the bills as they fall due.

Contact me with any questions if you want to discuss your process in more detail. I look forward to hearing from you!

Home Inspection

2007-06-17T19:11:00.000-07:00

It is highly recommend that you have a professional home inspector perform a thorough inspection. The inspection will include an assessment on:

Electrical
Plumbing
Air conditioning and heating
Appliances
Roof and Attic
Ventilation
Foundation
General Structure

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. I am truly dedicated to making this experience smooth and fun!

Warranties on Resale Homes

2007-06-01T12:22:00.000-07:00

You have the option to purchase warranties from either the seller or by the realtor to help protect you against most ordinary flaws and breakdowns for at least the first year of occupancy. However, it’s important to note that even with a warranty, you should have the home inspected before you purchase it!

Warranties on new homes

2007-05-19T12:15:00.000-07:00

Typically, on purchasing new homes, the builder offers either a full or limited warranty that may pertain to the quality of design, materials, and workmanship.

RED FLAG: If you were not offered a warranty, MAKE SURE YOU FIND OUT WHY!
Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

Consider Some Neighborhood Factors

2007-03-22T17:09:00.000-07:00

When considering a potential neighborhood for your home, assess the following:
--> What is the access like to major highways, shopping, schools, etc.
--> How is the noise level generated by nearby roads, railways, public areas, schools, etc.
--> Smell the air (especially, in warmer weather) to test for possible interference with commerce or agriculture.
--> Check with local civic, police, fire, and school officials to find information about the area.
Want to know more?
Contact me! Also, if you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

Check It Out First!

2007-03-09T18:36:00.000-08:00

It is important that you check out the neighborhood in person. After all, you will be living in it! Few tips for checking out a new potential ‘hood’:
-- >Talk to potential neighbors and people who live around there
-- > Visit the neighborhood at different times of the day as well as during the week and weekends
-- > Assess how other homes in the area are being maintained, e.g., are they newly painted, how is the landscaping?

Closing Costs

2007-02-23T12:34:00.000-08:00

Qualifying For A Mortgage

2007-02-09T10:40:00.000-08:00

Your mortgage payment to the lender would include the following:
The principal on the loan
The interest on the loan
Property taxes
The homeowner’s insurance

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

What A Good Realtor Can Show You

2007-01-30T18:43:00.000-08:00

Why You Need A Realtor

2007-01-13T14:37:00.000-08:00

Top realtors can offer many advantages. Realtors have been around the block and make expert negotiators. They provide all the right skill sets necessary for you including being a seasoned financial advisor and excelling at navigating around the local neighborhoods. They are members for the National Association of Realtors (NAR) and therefore are required to abide by a Code of Ethics and Standards of Practice enforced by the NAR. A professional Realtor can be your best resource when buying your home and chances are, will save you time, money and potential frustration!

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. For more information or if you have any questions, feel free to contact me. I am truly dedicated to making your experience fun and smooth!

The Benefits of Loan Pre-Qualifying And Pre-Approval

2006-12-14T13:53:00.001-08:00

Here's why many buyers apply for a loan and obtain approval before they find the home they want to buy.

Pre-qualifying will help you because:
1. Typically, interest rates are locked in for a set period of time. It helps to know and plan in advance what your payments will look like.
2. You will know up front the homes you cannot afford.

Pre-approval will REALLY help because:
1. Secure financing may lead a seller to be more biased in your favor.
2. You have more options on a loan package as you not under any pressure!

Learn more! If you haven’t already done so, contact me for a FREE full packet to help enlighten you on your home-buying process. I look forward to making your experience enjoyable and easy!

Buying A Home Is A Definite Investment!

2006-11-30T16:56:00.000-08:00

Here are some reasons why:
1. The property taxes and interest are deductible
2. Typically, a home is one of the largest assets an individual may obtain and can be considered one of the most valuable investments available.
3. A portion of each mortgage payment goes to the principal
4. A home is one of the few investments that you can enjoy by living in it.

If you haven’t already done so, contact me for my book on the home-buying process. I look forward to making your experience enjoyable and easy!

GREAT REASONS TO BUY A HOME

2006-11-15T18:05:00.000-08:00

Here are some GREAT reasons for buying a home:

1. Quality of Life – Imagine coming home to YOUR home!
2. It’s Tax Deductable!
3. Great Appreciation Potential
4. Deferred Gain and Capital Gain Treatment
5. It’s A Once in a Lifetime Exclusion
6. You Will Have Pride in Your Home
7. No Landlord But Yourself!
8. Great Investment Leverage (where else can you buy such a large size of an investment with 5-10% down?)
9. The Real Cost of Renting, e.g., at $700 per month, with a 6% rental increase per year, you will pay $110,719 over a 10 year period! Yikes!)

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations.