Thursday, July 14, 2011
Finding Financing and Your Dream Home in Laguna Niguel
Laguna Niguel was largely built after 1980 as an unincorporated master planned community. Today, the population is well over 62,000 and is an extremely sought-after place to live and play. You can find everything here-- from fun condos to mansions that loom above the ocean. Two huge features of this affluent area are the fantastic schools (served by the Capistrano School District) and the great warm weather. It borders Laguna Beach, Dana Point, San Juan Capistrano, Mission Viejo, Laguna Hills, and Aliso Viejo. Over one-third of Laguna Niguel is designated as an open space. The 3 parks are: Aliso/Wood Canyons Regional Park, Badlands Park, and Laguna Nigel Regional Park. Of course, the fabulous Dana Point Harbor is only moments away. With all kinds of things to see and do, there is never a dull moment. And did I mention how beautiful it is?
There are many great neighborhoods to choose from. One prestigious community is El Niguel Heights. Many of these homes are on cul de sacs and feature french doors, granite countertops, state of the art appliances, gourmet kitchens, open floor plans, and fabulous patios. Did you know that 20 percent of married couples choose homes by a park? City owned Seminole Park is in the middle of the community and provides not only a great place for friends and family to gather, but also provides value to your property. Many of the 107 detached estates offer sweeping views of the golf course, city lights, and greenbelt. These 3-6 bedroom homes range from 2,130 square feet to 3,900 square feet. There are three distinct communities within the area, depending on your taste and budget.
We are here to help you purchase or refinance your Orange County home. Take advantage of the reduced home prices and low rates. In the midst of the middle of the turmoil of the financial markets, we are still going strong. We pride ourselves on excellent customer service, knowledge of products, and super efficient loan processing. Find your dream home in Laguna Nigel and get the financing you need!
Ask me about my FREE Home Buying Guide Which Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know... I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.
Why Now IS The Time to Buy... Read On.
We all know there has been a huge economic downturn due to the mortgage and housing industry. We know a lot of you out there are waiting for the prices to bottom out. To REALLY tumble. Mortgage rates right now are near 50 year lows. According to the Wall Street Journal, homes are now more affordable than they have been in ages. From Moody's Analytics-- “The ratio of home prices to income is now 20.9% lower than the 15-year average through 2010, and 12.5% lower than the 1989-2004 average”. It may just be time to find mortgage rates in Lake Forest.
Moody’s Analytics states that this downturn won’t last as long as we think it may. They predict that the number of distressed homes will begin to fall in 2013, which will cause home prices to edge upward. The overall picture, right now, however, isn’t that great. The unemployment rate is up, foreclosures are extremely common, and inflation is bound to occur. Homes prices may fall lower for a couple of months.
The benefits of homeownership, however, are the same as they always were. You still get to deduct the mortgage interest on your taxes (for now), you get to decorate the home however it strikes your fancy, and in this market, you can literally buy for LESS (in some cases such as Chicago, and Cleveland). There are a lot of areas where the rent is still very high (take California as an example.) The home prices have lowered to the point where a condo can be LESS than rent. Homeownership CAN pay off. Obtain one of the low rate 30 year mortgages and one day you will own the home free and clear. Seems like a long way off, but you have to live somewhere anyway! Then you will have the one word we don’t hear much about these days: equity!
Housing economists are saying that demographics, affordability, loans, employment, and psychology should take over in the next 5 years. These are all drivers of the housing market. Of course, the foreclosure mess needs to clear up first.
This is from the Wall Street Journal: “Here is a glimmer of what the future may hold: While overall home prices fell by 7.5% in April over the same period a year earlier, according to CoreLogic, a Santa Ana, Calif., provider of real-estate data and analytics, if you exclude distressed sales, prices were off just 0.5%. So if you are in a market that isn't battered by foreclosures, you may be close to a bottom already.”
Many people have put their lives on hold due to this downturn. Another thing to take into consideration: The Boomers. The Baby Boomers are about to flood the market with larger homes for sale, however, they’ll have a huge demand for condos or small homes with amenities.
Texas and Washington continue to prosper economically due to their business friendly outlook. Many people are relocating there to find jobs with higher wages and lower priced homes. People with great credit and solid jobs have no problem obtaining financing. But many people’s credit has tanked during this downfall. That’s when the financing gets tricky. It should eventually ease up. Economists say credit will hold tight, as it is currently, for at least six months.
Doug Yearly, chief executive of luxury builder Toll Brothers Inc., told investors in May that "some of our clients, after waiting so long, are starting to move off the fence and into the market, The family with elementary-school kids and a puppy when the housing debacle began five years ago now has middle-school kids and the dog weighs 80 pounds."
So in short, things WILL get better. Find your Orange County Mortgage rates and become the proud homeowner you’ve always wanted to be!
Moody’s Analytics states that this downturn won’t last as long as we think it may. They predict that the number of distressed homes will begin to fall in 2013, which will cause home prices to edge upward. The overall picture, right now, however, isn’t that great. The unemployment rate is up, foreclosures are extremely common, and inflation is bound to occur. Homes prices may fall lower for a couple of months.
The benefits of homeownership, however, are the same as they always were. You still get to deduct the mortgage interest on your taxes (for now), you get to decorate the home however it strikes your fancy, and in this market, you can literally buy for LESS (in some cases such as Chicago, and Cleveland). There are a lot of areas where the rent is still very high (take California as an example.) The home prices have lowered to the point where a condo can be LESS than rent. Homeownership CAN pay off. Obtain one of the low rate 30 year mortgages and one day you will own the home free and clear. Seems like a long way off, but you have to live somewhere anyway! Then you will have the one word we don’t hear much about these days: equity!
Housing economists are saying that demographics, affordability, loans, employment, and psychology should take over in the next 5 years. These are all drivers of the housing market. Of course, the foreclosure mess needs to clear up first.
This is from the Wall Street Journal: “Here is a glimmer of what the future may hold: While overall home prices fell by 7.5% in April over the same period a year earlier, according to CoreLogic, a Santa Ana, Calif., provider of real-estate data and analytics, if you exclude distressed sales, prices were off just 0.5%. So if you are in a market that isn't battered by foreclosures, you may be close to a bottom already.”
Many people have put their lives on hold due to this downturn. Another thing to take into consideration: The Boomers. The Baby Boomers are about to flood the market with larger homes for sale, however, they’ll have a huge demand for condos or small homes with amenities.
Texas and Washington continue to prosper economically due to their business friendly outlook. Many people are relocating there to find jobs with higher wages and lower priced homes. People with great credit and solid jobs have no problem obtaining financing. But many people’s credit has tanked during this downfall. That’s when the financing gets tricky. It should eventually ease up. Economists say credit will hold tight, as it is currently, for at least six months.
Doug Yearly, chief executive of luxury builder Toll Brothers Inc., told investors in May that "some of our clients, after waiting so long, are starting to move off the fence and into the market, The family with elementary-school kids and a puppy when the housing debacle began five years ago now has middle-school kids and the dog weighs 80 pounds."
So in short, things WILL get better. Find your Orange County Mortgage rates and become the proud homeowner you’ve always wanted to be!
Monday, June 27, 2011
Looking for a Condo in Laguna Niguel?
A lot of people are looking for condos these days. The economic downturn and the fact that the Baby Boomers are now empty-nesters are two big reasons why. Less maintenance on a home certainly has its perks! The schools in the area are top notch (Moulten, Niguel, and Aliso Viejo, respectively) and, as you know, the area is quiet, safe, and family friendly.
A great complex to check out is called Walters Court, located in Hampton Village. Bounded by Alicia Parkway and Niguel Road, you are moments away from Niguel Woods Park. There is a great unit for sale that is completely ready to move into and features new carpet, fresh paint, crown molding, refinished hardwood floors, a spacious family room with a window seat and more. The kitchen has freshly painted cabinets and open kitchen space. Bathrooms are updated with new vanities, a skylight, new fixtures, and gorgeous tile flooring. The closets have custom organizers built into them. The home has large windows and really takes in the light. A bright and cheery kitchen awaits you! There is only one attached wall, and this end unit has no one above or below you. There is even a one car garage.
This one bedroom, 1,231 square foot home is for sale at only $275,000 and the HOA fees are $356.00 per month. Those fees will allow you access to the sparkling pool and spa. Of course, this is just one of the units for sale here. The time to act is now… These condo prices in Laguna Niguel surely won’t be forever. A huge plus is that this is a serene, quiet, safe location, yet you are just a couple of minutes from some great shopping and restaurants in the area. Find your low mortgage rate in Laguna Niguel today.
I am a 13 year veteran in the industry and have seen MANY giant ups and huge downfalls in the industry. I will take the time to visit your home or office and provide you with a “total cost analysis”, which allows you to see what you’ll really be paying—each month, and in the long haul. Buying a home or refinancing is a big deal. I know the industry and can help you find the rate that will help your pocketbook! I am here to make your purchase as non-stressful as it can be or I can help you refinance and get on the right track financially. Low rates, low home prices—a win win!
Ask me about Seven Things NOT to do When Applying For A Loan. It’s a little more diffuicult to obtain financing than it used to be. I can help.
A great complex to check out is called Walters Court, located in Hampton Village. Bounded by Alicia Parkway and Niguel Road, you are moments away from Niguel Woods Park. There is a great unit for sale that is completely ready to move into and features new carpet, fresh paint, crown molding, refinished hardwood floors, a spacious family room with a window seat and more. The kitchen has freshly painted cabinets and open kitchen space. Bathrooms are updated with new vanities, a skylight, new fixtures, and gorgeous tile flooring. The closets have custom organizers built into them. The home has large windows and really takes in the light. A bright and cheery kitchen awaits you! There is only one attached wall, and this end unit has no one above or below you. There is even a one car garage.
This one bedroom, 1,231 square foot home is for sale at only $275,000 and the HOA fees are $356.00 per month. Those fees will allow you access to the sparkling pool and spa. Of course, this is just one of the units for sale here. The time to act is now… These condo prices in Laguna Niguel surely won’t be forever. A huge plus is that this is a serene, quiet, safe location, yet you are just a couple of minutes from some great shopping and restaurants in the area. Find your low mortgage rate in Laguna Niguel today.
I am a 13 year veteran in the industry and have seen MANY giant ups and huge downfalls in the industry. I will take the time to visit your home or office and provide you with a “total cost analysis”, which allows you to see what you’ll really be paying—each month, and in the long haul. Buying a home or refinancing is a big deal. I know the industry and can help you find the rate that will help your pocketbook! I am here to make your purchase as non-stressful as it can be or I can help you refinance and get on the right track financially. Low rates, low home prices—a win win!
Ask me about Seven Things NOT to do When Applying For A Loan. It’s a little more diffuicult to obtain financing than it used to be. I can help.
Tuesday, June 14, 2011
Find Financing and Your Dream Home in Affluent Laguna Niguel
Laguna Niguel was largely built after 1980 as an unincorporated master planned community. Today, the population is well over 62,000 and is an extremely sought-after place to live and play. You can find everything here-- from fun condos to mansions that loom above the ocean. Two huge features of this affluent area are the fantastic schools (served by the Capistrano School District) and the great warm weather. It borders Laguna Beach, Dana Point, San Juan Capistrano, Mission Viejo, Laguna Hills, and Aliso Viejo. Over one-third of Laguna Niguel is designated as an open space. The 3 parks are: Aliso/Wood Canyons Regional Park, Badlands Park, and Laguna Nigel Regional Park. Of course, the fabulous Dana Point Harbor is only moments away. With all kinds of things to see and do, there is never a dull moment. And did I mention how beautiful it is?
There are many great neighborhoods to choose from. One prestigious community is El Niguel Heights. Many of these homes are on cul de sacs and feature french doors, granite countertops, state of the art appliances, gourmet kitchens, open floor plans, and fabulous patios. Did you know that 20 percent of married couples choose homes by a park? City owned Seminole Park is in the middle of the community and provides not only a great place for friends and family to gather, but also provides value to your property. Many of the 107 detached estates offer sweeping views of the golf course, city lights, and greenbelt. These 3-6 bedroom homes range from 2,130 square feet to 3,900 square feet. There are three distinct communities within the area, depending on your taste and budget.
We are here to help you purchase or refinance your Orange County home. Take advantage of the reduced home prices and low rates. In the midst of the middle of the turmoil of the financial markets, we are still going strong. We pride ourselves on excellent customer service, knowledge of products, and super efficient loan processing.
Find your dream home in Laguna Niguel and get the financing you need!
Ask me about my Free Home Buying Guide- Mike Perez to make an informed decision when shopping for a mortgage.
I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.
There are many great neighborhoods to choose from. One prestigious community is El Niguel Heights. Many of these homes are on cul de sacs and feature french doors, granite countertops, state of the art appliances, gourmet kitchens, open floor plans, and fabulous patios. Did you know that 20 percent of married couples choose homes by a park? City owned Seminole Park is in the middle of the community and provides not only a great place for friends and family to gather, but also provides value to your property. Many of the 107 detached estates offer sweeping views of the golf course, city lights, and greenbelt. These 3-6 bedroom homes range from 2,130 square feet to 3,900 square feet. There are three distinct communities within the area, depending on your taste and budget.
We are here to help you purchase or refinance your Orange County home. Take advantage of the reduced home prices and low rates. In the midst of the middle of the turmoil of the financial markets, we are still going strong. We pride ourselves on excellent customer service, knowledge of products, and super efficient loan processing.
Find your dream home in Laguna Niguel and get the financing you need!
Ask me about my Free Home Buying Guide- Mike Perez to make an informed decision when shopping for a mortgage.
I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.
Tuesday, June 7, 2011
3 Tips To Narrow Down Your Subdivision Search and Loan Program Options
Starting the home buying process can often feel overwhelming. With numerous home options, obtaining financing, and dealing with the inevitable home inspections there are a good number of items that need to be crossed off your list before you can open the doors to your new “home”.
By the time you have focused your search on a particular city, such as Lake Forest, there are key items you can cross off your list to make the process easy, saving you time and money. We invite you to consider the following to make your search for real estate in the Lake Forest an experience that you will enjoy repeating when you want that larger home.
Finding your home in Orange County can be easier when you identify a subdivision, have a list of requirements, and look for Lake Forest loan programs that are best for you. Find out the latest financing options today with our innovative programs.
By the time you have focused your search on a particular city, such as Lake Forest, there are key items you can cross off your list to make the process easy, saving you time and money. We invite you to consider the following to make your search for real estate in the Lake Forest an experience that you will enjoy repeating when you want that larger home.
- Identify a Subdivision – A community such as Lake Forest has many different subdivisions to offer. To save yourself valuable time, identify a subdivision that has the best possible homes for your goals. Through searching on the internet, asking friends, and even asking the advice of your agent you can find a subdivision that will have homes matching your budget and living needs.
- Specific Requirements – Write down your goals beyond just “bedrooms and bathrooms”. There are about 40 questions your real estate agent should ask you. Even before you meet with an agent consider writing down your needs/goals that include everything from size of backyard, number of car garage to even the type of architecture. The most specific your requirements the fewer homes you will have to look at. After all, who wants to visit 10 properties that don’t meet their goals?
- Loan Programs – Even with the most recent loan changes there are still a number of different loans available. There are still programs that offer lower down payment requirements (like 3-5%) and even some that provide buyer assistance. Consider doing online research about what is available even before meeting with us. We are here to help you finance your new home.
Finding your home in Orange County can be easier when you identify a subdivision, have a list of requirements, and look for Lake Forest loan programs that are best for you. Find out the latest financing options today with our innovative programs.
Saturday, June 4, 2011
Lake Forest Homes for sale – Find the Right Subdivision for your Financing Goals
When you first start looking for properties in Lake Forest it can seem overwhelming to find the right home and lender. With all kinds of great subdivisions, it can seem challenging to decide on where to focus your search. Even beyond just the cities that are available you will find that each city has different subdivisions. The subdivisions are where you will truly be able to explore which home options are best for your goals.
The challenge can be finding enough information on each subdivision to make the best decision possible. To help save you time with your home search in Lake Forest, we invite you to start discovering more about the homes and subdivisions available.
Laguna North – Located only minutes from the 5 freeway, this popular subdivision has a variety of single and 2 story homes available. Lot sizes are large and range at about the 7,500 square foot range. These 3-5 bedroom homes can range from 1,300 square feet to 2,000 square feet. Homes were built in 1965 and many homes are move-in ready. Great fireplaces, open floor plans, lots of light, and new flooring are all things to watch for. Close to shopping, dining, schools, and the freeway make this area a great draw for families. Make sure this community is on your list when looking for your lender in Lake Forest.
Shadow Run is about six minutes away, down El Toro Road. It’s a private and tranquil area that overlooks a nature reserve. The lot sizes are large, ranging in the 9,750 square foot range, offer plenty of room to roam and take in the natural beauty. Shadow Run is part of a larger subdivision, known as Serrano Highlands. The 3-5 bedroom homes were built in the mid 1980's and offer about 2,000 square feet of living space. The vaulted ceilings allow the natural light to flow through the homes. The natural beauty of the area and excellent lot sizes are really something to see when considering financing for your Lake Forest Home.
You can have the opportunity to review these great subdivisions for yourself. Discover the latest financing available and find yourLake Forest Home. I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.
Subscribe to:
Posts (Atom)