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Two Important Impacts of Home Equity 

Equity continues to rise, helping American homeowners secure a much more stable financial future. Knowing equity will help enable many homeowners to better survive the economic distress caused by the ongoing pandemic, it’s important to break down two key homeowner benefits of increasing equity.

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How to Prepare for a Bidding War

55% of August 2020 home sales resulted in a bidding war. With so few houses available today, competition is heating up among homebuyers. Be ready for a bidding war with these 3 tips.

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Do You Have Enough Money Saved for a Down Payment?

One of the biggest misconceptions for first-time homebuyers is how much you’ll need to save for a down payment. Contrary to popular belief, you don’t always have to put 20% down to buy a house. Here’s how it breaks down.

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Why Selling this Fall May Be Your Best Move

If you’re thinking about moving, selling your house this fall might be the way to go. Here are four highlights in the housing market that may make your decision to sell this fall an easy one.

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Housing Market on Track to Beat Last Year’s Success

Back in March, as the nation’s economy was shut down because of the coronavirus, many were predicting the real estate market would face a major collapse. Some forecasts called for a 15-20% decline in transactions. However, six months later, it seems as though the housing market has fully recovered.

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Should You Buy an Existing Home or New Construction?

Finding the right home to purchase today is one of the biggest challenges for potential buyers. With so few homes for sale and construction of newly built homes ramping up, you may be wondering if you should consider new construction in your search process.

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The Top Reasons People Are Moving This Year

Today, Americans are moving for a variety of different reasons. The current health crisis has truly re-shaped our lifestyles and our needs. Spending extra time where we currently live is enabling many families to re-evaluate what homeownership means and what they find most important in a home.

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Current Buyer & Seller Perks in the Housing Market

Today’s housing market is making a truly impressive turnaround, and it’s also setting up some outstanding opportunities for buyers and sellers. Whether you’re thinking of buying or selling a home this year, there are perks today that are rarely available, and definitely worth looking into.

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What Does it Cost to Refinance?
What are the Benefits?

What does it cost to refinance? What are the benefits? Ever heard the old rule of thumb, you should only refinance if your new interest rate is at least one point lower? That may have been true years ago, but with refinancing dropping in cost over the last few years, it’s never the wrong time…

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Buying a Home: Do You Know the Lingo?

To confidntly point you in the right direction, here is a list of some of the most common terms used in hte home-buying process.

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3 Reasons This is NOT the 2008 Real Estate Market

3 Reasons This is NOT the 2008 Real Estate Market No one knows for sure when the next recession will occur. What is known, however, is that the upcoming economic slowdown will not be caused by a housing market crash, as was the case in 2008. There are those who disagree and are comparing today’s…

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Millionaire to Millennials: The Costly Mistake of Not Buying Now

On his personal website, self-made millionaire David Bach makes a striking statement: “Not prioritizing homeownership is the single biggest mistake millennials are making.” He further stated, “Buying a home is an escalator to wealth.” Bach explains: “Young adults in particular aren’t hopping on this escalator, and it’s a costly mistake…If millennials don’t buy a home, their chances of…

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Is your first home withing your grasp?

For the longest time, many experts doubted whether Millennials (ages 18-36) valued homeownership as part of their American Dream. Looking at the latest statistics from the National Association of Realtors’ we can see that ‘Old Millennials’ (ages 25-36) are dominating the first-time homebuyer category.

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5 Factors That Make Up Your Credit Score

Credit scores surprise many people who assume that if they never miss a payment, their FICO must be good. But your credit score is more than just your payment history. It takes 5 factors to create a credit score: Payment history Credit utilization (amounts owed and number of accounts) Credit mix New credit Length of…

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Buyers trying to cut corners?
Don’t make these 6 mistakes

“Measure twice, cut once,” so the old age goes. Buying a home is an expensive proposition, no matter how you slice it. It entails many significant costs, and for many, this is the single largest purchase they’ve made in their entire lives. No matter whether they are spending $200,000 or $2 million on a home…

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Purchase or Refinance a Home on Our New Renovation Mortgage Program

Not every home is perfect. If you come across a home during your search that many need a little TLC, that doesn’t mean that it should be passed by. Speak to your financial craftsmen (that’s us!) about Fannie Mae HomeStyle Renovation Mortgage, which allows you to…

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What to Expect for a Rental Property Down Payment

If you’ve got extra cash, you might consider investing that money in a rental property. Rentals can help diversify your investment portfolio and build financial stability. If you haven’t purchased a rental before, there are a few things you need to know about the down payment. How Much You Can Expect to Put Down Put…

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Moorpark Chamber of Commerce Installation Dinner

Such a great time at the Moorpark Chamber of Commerce Installation Dinner. So excited for Mark Richardson now a member of the Chamber board of Directors.

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What’s Happening in the Ventura County Housing Market

Check out this Real Estate Report Card that shows many of the important housing stats for Ventura County, CA.

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We Love Our Clients

“You guys make a great team we are very happy with the level of service that was provided. You went over the top especially in the last view days with these hurdles. We will have no problem using you in the future, as well as recommending your team to family and friends. Thank you for…

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Six Housing Market Trends for 2019

You may have seen headlines about the housing market slowing down, but what does that mean for you? Knowing what’s happening will ensure that you don’t miss the opportunity of your dreams. There’s no crystal ball to look into, but it’s not hard to find trends already shaping the new year. We live in an…

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Common Closing Costs (and How to Limit Them)

Buying a new home is one of the most exciting events in your life, but the enormity of it all can be daunting. You’ve got to set your price range. Then you need to research your new neighborhood. And before you move, all your belongings will have to be packed into boxes. With everything going…

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Fed Announces Rate-Hike Decision

Fed announces rate-hike decision The Federal Reserve held rates steady today, but left the door open for further rate hikes. “Consistent with its statutory mandate, the Committee seeks to foster maximum employment and price stability,” the Federal Open Market Committee said in a statement. “In support of these goals, the Committee decided to maintain the…

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Self-Employed? Here’s What You Should Know About Mortgages

Around 10% of all U.S. workers are self-employed. There’s an idea floating around out there that it’s much harder to get a mortgage if you’re a business owner. That’s not true, but there are a few things to keep in mind, and you’ll need to provide some extra paperwork for us. Here are the things…

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