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Get loan approval before shopping for a home

Most people go online, find a list of homes they like, then they go see homes and end up falling in love with one. The excitement kicks in and they want the offer but they are not prepared. They have to go get loan approval and because we are in a very competitive market, by the time they come back with the approval the home is already sold.

My advice is to get loan approval before shopping for a home. Getting a loan approval does not mean that you have to buy a home but it will help you establish a plan of action. There is nothing worse than finding the perfect house and not be able to buy it because your finance are not in line.

Vianey Ojeda specializes in working in and around the Inland Empire with focus on the Rancho Cucamonga Real Estate Market. The Test Sell Your Home Program offers less pressure, no gimmicks and no commitment. There really is really no better way to find out the true value of your home than having a legitimate offer from a real buyers and that is what Test Sell Your Home does.

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home, Vianey Ojeda

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You just bought your home, now what?


You just bought your home, now what?

When you buy a car you get an owner’s manual but when you buy a house, you don’t. Make your own home upkeep manual. Consider the age of your new home. If you are buying a brand new home you are probably not going to have the same issues that a home built in the sixties might.

What I recommend is to spend a few hours on a weekend and take inventory of the basic components. Things such as your stove, range and oven, washer, dish washer, air conditioner and so on. Then make an inventory of list, ideally an electronic inventory list such as excel may come in handy so you can easily update it as you need. Keep track of service dates and make sure to add service person’s name and phone number so you can easily contact them should anything go wrong. A good rule of thumb is to keep a 1% annual budget for service repairs and upkeep.

Vianey Ojeda specializes in working in and around the Inland Empire with focus on the Rancho Cucamonga Real Estate Market. The Test Sell Your Home Program offers less pressure, no gimmicks and no commitment. There really is really no better way to find out the true value of your home than having a legitimate offer from a real buyers and that is what Test Sell Your Home does.

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home, Vianey Ojeda

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I want my own Real Estate App

test-sell-your-home-app

I want my own Real Estate App!!!!

Let’s face it.  We are a face pace society and only getting faster.  Pretty soon we’ll  be going warp speed.  I don’t know about you, but as a parent with a busy career, I am fighting to keep every second I have, and using the right apps on my smart devices makes it that much easier.   I literally have hundreds of  apps on my mobile devices  that save me time and money on a daily basis.

So the time has come… Now there is a real estate app robust enough to give you the information you want and yet simple enough to use.   I am Vianey Ojeda from the Hanover Group at Keller Williams Realty in Rancho Cucamonga and I will show you right now how to get your own very real estate app for FREE that you can download to your smart device.

It will only take a few seconds, So Download it Now!

tsyh-codehttp://app.kw.com/KW2BDGETV  (Click here to download)

Agent Code: KW2BDGETV

 

This user-friendly, robust app makes finding a home to buy or rent a snap.  You don’t only have access to homes associated with me, but access to all homes in the MLS database.  Save searches and listings based on your dream home criteria.   Plus, I’m just a click away to provide more information or schedule a walk-through.

This FREE app will give you the most accurate and up-to-date real estate information right at your fingertips.  Here are some cool things you can do with this App:

  • Draw a circle on the map or drop a pinpoint to search that area.
  • See property details and full-screen photos, get driving directions, mark your favorites, create notes about what you liked, or share it with family and friends.
  • Estimate your home loans with a free mortgage calculator.
  • View Open Houses in your area. View Rental Properties in your area.
  • Easily connect with your agent and send property inquiries instantly.

Plus, all my home sellers love this app, because it has become a crucial source to find homebuyers.  Here’s why…  Your home automatically appears in this GPS-enabled app with a stylish photo gallery and listing details to showcase your home whether the homebuyer is searching at home or on the go.

So don’t delay, download it TODAY!!!

test-sell-your-home-app-2

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Vianey Ojeda

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How to buy and sell a home at the same time

How to buy and sell a home at the same time

Buying a home is stressful. Selling a home is stressful. Doing both at the same time can lead to a lot more stress that most people like to encounter. My best advice is to prepare yourself mentally by acknowledging and accepting that this will be stressful and you will be better prepared to deal with selling and buying at the same time and better handling the unexpected situations that may arise.

Meet with your agent early and put together a plan. Know your numbers and get your financing in place Remember that a good agent is in the trenches with you each and every day.  The better prepared you are for this process will help you avoid many sleepless nights.

Vianey Ojeda specializes in working in and around the Inland Empire with focus on the Rancho Cucamonga Real Estate Market. The Test Sell Your Home Program offers less pressure, no gimmicks and no commitment. There really is really no better way to find out the true value of your home than having a legitimate offer from a real buyers and that is what Test Sell Your Home does. If you enjoyed this tip on how to buy and sell a home at the same time, make sure you check our blog often.

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home, Vianey Ojeda

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California Issues Financial Assistance for Distressed Homeowners

California Issues Financial Assistance for Distressed Homeowners

Distressed California Homeowners May Qualify for California’s Keep you Home California Transition Assistance Program (TAP)

If you are a homeowner in financial distress  and your home is in the state of California there might be state relocation funds available to you.   Homeowners currently foreclosure, behind on mortgage payments or those considering  thinking about doing a short sale may qualify for this program.

The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.

That state of California is providing up to $5,000 in relocation assistance to qualified homeowners who can no longer afford to stay in their homes.  Per Vianey Ojeda of The Hanover Group Keller Williams Realty in Rancho Cucamonga, CA , “Our housing market has definitely been hard in recent years and many families have been displaced due to financial hardship.   It is great to see the state of California offering assistance to qualified homeowners who are in distress and in need of assistance.  Fortunately we are well trained and equipped to help these homeowners get through this process as painlessly as possible.”

Per the rules of the program the homeowner must submit an application and they can use the assistance of a real estate professional, and the homeowner must maintain their property until their house is sold or returned to the lender via a negotiated deed in lieu of foreclosure.

In addition, for qualified homeowners, these state funds may be used in addition to any other relocation assistance that a homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.

To learn more about the program you can call The Hanover Group at Keller Williams Realty by calling 909.945.0641 or email info@thehanovergrp.com.

 

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home, Vianey Ojeda

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Home Selling myth – Waiting for the right season

Home Selling myth – Waiting for the right season

A lot of people are under the assumption that waiting to sell your home during the “right” season is the way to go.

More often than not the decision to sell a home is driven by life’s circumstances and not the weather. The decision to sell your home should not be based on a season, it should be based on when it is right for you. The best time to sell your home is when you and your family are ready.

The Test Sell Your Home Program offers less pressure, no gimmicks and no commitment. There really is really no better way to find out the true value of your home than having a legitimate offer from a real buyers and that is what Test Sell Your Home does.

If you are selling your home in Rancho Cucamonga, North Fontana, Alta Loma or Upland, Vianey of Test Sell Your Home can help you get the highest sales price for your home. The Real Estate market in the Inland Empire is very competitive. The Test Sell Your Home program takes the guessing out of the process and allows you, the seller to know that your home is being sold at the highest possible price.

Increase your home sales price with Vianey Ojeda and Test Sell Your Home.

 

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

 

Posted in: North Fontana Real Estate, Ontario California Real Estate, Rancho Cucamonga Real Estate, Test Sell Your Home, Vianey Ojeda

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The top 10 tips you need to know when buying a home

Here are The top 10 tips you need to know when buying a home

1. Don’t buy if you can’t stay put.

If you can’t commit to remaining in one place for at least a few years, then owning is probably not for you, at least not yet. With the transaction costs of buying and selling a home, you may end up losing money if you sell any sooner – even in a rising market. When prices are falling, it’s an even worse proposition.

2. Start by shoring up your credit.

Since you most likely will need to get a mortgage to buy a house, you must make sure your credit history is as clean as possible. A few months before you start house hunting, get copies of your credit report. Make sure the facts are correct, and fix any problems you discover.

3. Aim for a home you can really afford.

The rule of thumb is that you can buy housing that runs about two-and-one-half times your annual salary. But you’ll do better to use one of many calculators available online to get a better handle on how your income, debts, and expenses affect what you can afford.

4. If you can’t put down the usual 20 percent, you may still qualify for a loan.

There are a variety of public and private lenders who, if you qualify, offer low-interest mortgages that require a small down payment.

5. Buy in a district with good schools.

In most areas, this advice applies even if you don’t have school-age children. Reason: When it comes time to sell, you’ll learn that strong school districts are a top priority for many home buyers, thus helping to boost property values.

6. Get professional help.

Even though the Internet gives buyers unprecedented access to home listings, most new buyers (and many more experienced ones) are better off using a professional agent. Look for an exclusive buyer agent, if possible, who will have your interests at heart and can help you with strategies during the bidding process.

7. Choose carefully between points and rate.

When picking a mortgage, you usually have the option of paying additional points — a portion of the interest that you pay at closing — in exchange for a lower interest rate. If you stay in the house for a long time — say three to five years or more — it’s usually a better deal to take the points. The lower interest rate will save you more in the long run.

8. Before house hunting, get pre-approved.

Getting pre-approved will you save yourself the grief of looking at houses you can’t afford and put you in a better position to make a serious offer when you do find the right house. Not to be confused with pre-qualification, which is based on a cursory review of your finances, pre-approval from a lender is based on your actual income, debt and credit history.

9. Do your homework before bidding.

Your opening bid should be based on the sales trend of similar homes in the neighborhood. So before making it, consider sales of similar homes in the last three months. If homes have recently sold at 5 percent less than the asking price, you should make a bid that’s about eight to 10 percent lower than what the seller is asking.

10. Hire a home inspector.

Sure, your lender will require a home appraisal anyway. But that’s just the bank’s way of determining whether the house is worth the price you’ve agreed to pay. Separately, you should hire your own home inspector, preferably an engineer with experience in doing home surveys in the area where you are buying. His or her job will be to point out potential problems that could require costly repairs down the road.

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Certified Luxury Home Marketing Specialist (CLHMS)®

The Hanover Group at Keller Williams | Rancho Cucamonga

Board of Directors – Citrus Valley Association of REALTORS®

CLHMS – Million Dollar Guild®

O: 909.945.0641 | D: 909.294.7265

vianey@thehanovergrp.com

BRE # 01259267

*REFERENCE:  http://money.cnn.com/magazines/moneymag/money101/lesson8/

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home

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How Much Home Can I Afford?

When you are ready to buy a home, the first question you ask is: “how much home can I afford?”  And like most Buyers you will begin your search online and utilize a home affordability/mortgage calculator which yields you a ballpark figure of what price range of home you should be looking at. Yes, ballpark.

Once you obtain your ballpark figure then you start searching on the internet for available homes for sale in your dream neighborhood.  You find a perfect home or a few, that are perfectly priced, filled with the amenities you seek and in your ideal neighborhood.  Naturally, you are very excited so you call the listing agent(s) to set up a tour.  And nine times out of ten you will lose out on your perfect  home.  Why?  Well it’s simple. You started shopping and were not prepared to buy.  And from that point forward you will always compare each and every home you see with your perfect home that got away from you.  And if you end up buying, you will settle.

So how much home can you afford?

The question is better posed as:  What is the best way for to determine whether I should buy and how can I buy a home?  By taking a few simple steps you will save yourself serious aggravation an disappointment.

So do you want to know how to buy a home the right way, without the stress and frustration?

HERE’S WHAT YOU WANT TO DO:

Unless you plan to buy a house using all cash and you have the cash readily available, you will need to obtain a mortgage loan to finance your purchase (just like buying a car).  The process of getting approved isn’t that complicated, however, there are several variables from your personal financial history that will factor into determining how much home you can buy.  Specifically:

  • Your income
  • Your employment (time on job; typically 24 mo. doing the same job and/or in school for the same job)
  • Your credit rating  (FICO score from a tri-merged credit report; Experian, Equifax & Trans Union)
  • Your existing debt (gather all of your bills, know your balances & monthly minimum payment(s))
  • Your down payment (gather all your asset statements (checking, saving, 401k, other)

To those existing factors, add some variables of the housing market, and your own choices as you plan to assume a mortgage:

  • The mortgage amortization term (fifteen years, thirty years, etc.)
  • The current interest rate
  • Private mortgage insurance (if your proposed down payment is an amount less than twenty percent of the price)
  • The current real estate market where you live or want to live (supply & demand, dynamics (Sellers market, Buyers market)
  • Closing Costs (property taxes, fire hazard insurance, appraisal, loan fees, notary, escrow, title insurance, etc.)

So as I mentioned above, the online calculator will give you a ballpark figure.  But that’s it… it’s only a rough estimate. What you absolutely must do is obtain a loan pre-approval from a “trusted” mortgage professionaland know exactly how much home you are approved to buy. Or at minimum establish a game plan for the future so that you can eventually buy.

Your lender will take all the same factors into consideration but instead of a guess, your application will have been processed by an underwriter (http://goo.gl/2wJBJh) and you will have a firm number in hand when you begin to look at homes with your REALTOR®.   By completing the loan pre-approval process upfront with the right professionals you will alleviate any unpleasant surprises when you bring to the table an offer on the home of your dreams.

I say “trusted” mortgage professional because in the past I have had Buyers use a lender not personally known to them or use a lender not referred to them by someone that the Buyers trusted.  These Buyers got into escrow and then lost their deposit when they could not close the transaction, and that is more than a unpleasant experience, it’s a pretty miserable one.

Remember, time is always of the essence—because you ALWAYS have competition for the purchase of the home you have your eye on.  So save yourself serious aggravation and disappointment, eliminate any surprises, and insure to your agent and the seller’s agent a high level of confidence in your ability to move quickly on a house when you do find the right one.   Take the few steps necessary to obtain your loan pre-approval from a “trusted” mortgage professional because nine times out of ten, the buyer who first brings money to the table is the buyer who actually walks away the victor.

* see my other Blog article: The top 10 tips you need to know when buying a home.

 

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Certified Luxury Home Marketing Specialist (CLHMS)®

The Hanover Group at Keller Williams | Rancho Cucamonga

Board of Directors – Citrus Valley Association of REALTORS®

CLHMS – Million Dollar Guild®

O: 909.945.0641 | D: 909.294.7265

vianey@thehanovergrp.com

BRE # 01259267

homebuyingprocess_corrected

 

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home

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Tips to sell your home during the holidays

Tips to sell your home during the holidays

Vianey Ojeda of Test Sell Your Home providing the top tips to sell your home during the holidays. Paying attention to details will increase home sales price.

Looking for tips to sell your home during the holidays? This video highlights some simple strategies to help you.

Tip #1 – Don’t over decorate

Over cluttering will turn potential buyers away.

Tip #2 – Pay attention to curb appeal.

From raking leaves to touching up outside paint. Don’t leave little things unnoticed. Make your home look fun and inviting for the holiday season.

Tip # 3 – create video tour of your home

Because there is less foot traffic during the holiday season, make it easy for vacationing buyers to easily tour your home.

If you are selling your home in Rancho Cucamonga, North Fontana, Alta Loma or Upland, Vianey of Test Sell Your Home can help you get the highest sales price for your home. The Real Estate market in the Inland Empire is very competitive. The Test Sell Your Home program takes the guessing out of the process and allows you, the seller to know that your home is being sold at the highest possible price.

Increase your home sales price with Vianey Ojeda and Test Sell Your Home.

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home

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Top 5 reasons to Sell Your Home Now

Trying to time the sale of your home to occur at the peak of the market is as futile as trying to time the stock market.  Or is it?

The typical “Top 5 reasons to Sell Your Home Now” that you hear time and time again:

1. Demand Is High:

The most recent Existing Home Sales Report by the National Association of Realtors (NAR) showed a declined 1.9 percent to a seasonally adjusted annual rate of 5.29 million in September from a downwardly revised 5.39 million in August, but are 10.7 percent above the 4.78 million-unit pace in September 2012; sales have remained above year-ago levels for the past 27 months; There are buyers out there right now and they are serious about purchasing.

2. Supply Is Beginning To Increase:

Total housing inventory at the end of September was unchanged at 2.21 million existing homes available for sale, which represents a 5.0-month supply5 at the current sales pace, compared with a 4.9-month supply in August.  Many expect inventory to continue to rise as millions of homeowners escape the shackles of negative equity.  An additional 1.9 million are expected to enter positive equity in the next 12 months. Selling now while demand is high and before supply increases may garner you your best price.

3. New Construction Is Coming Back:

A total of 291 metropolitan areas across the country now qualify as improving housing markets, according to the National Association of Home Builders/First American Improving Markets Index (IMI) for September.    This reflects a gain of 44 markets from August and marks the index’s highest level since it was initiated two years ago.  Over the last several years, most homeowners selling their home did not have to compete with a new construction project around the block. As the market is recovering, more and more builders are jumping back in. These ‘shiny’ new homes will again become competition as they are an attractive alternative for many purchasers.

4. Interest Rates Are Rising:

According to Freddie Mac, the national average commitment rate for a 30-year, conventional, fixed-rate mortgage rose to 4.49 percent in September from 4.46 percent in August, and is the highest since July 2011 when it was 4.55 percent; the rate was 3.47 percent in September 2012.

5. It’s Time to Move On With Your Life:

Families should consider what their opportunity costs are by remaining in a house they do not want. First, if they wait to sell their current house until prices rise, then the price of the replacement house they want to purchase may similarly rise, including the risk of rise in mortgage rates. So their additional profit from the sold house is simply used to pay a higher price on the replacement house. If the replacement house would provide the family greater happiness, then they are forgoing enjoying that new neighborhood, better school, shorter commute or whatever they are hoping to gain in a new house.

And while all of this holds very true,  for the majority of homeowners, the decision on when to sell a home is driven far more by changing life circumstances such as job transfer, growing family, empty nest, taking in elderly parents and the like.

So what if I told you that regardless of your reason or motivation to sell, there is a way for you to find out exactly how much your home would sell for without actually selling it?  That’s right!  What if you actually received real offers from qualified Buyers that outlined everything you needed to know?  What if you actually received a net sheet with real proceeds? Wouldn’t that take all the “guess” work away and truly solve the mystery… “Is now a good time to sell my house” and “What is my house worth”?   And what if after being presented with actual offers you were in complete control of deciding whether or not it actually even made sense, for you?  Well there is a new and better way to know the REAL VALUE of your home, why don’t you Test Sell Your Home™

 

Contact Vianey Ojeda to find out more:

(909) 294-7265 | vianey@testsellyourhome.com | www.testsellyourhome.com

Posted in: Rancho Cucamonga Real Estate, Test Sell Your Home

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