Showing posts with label homes for sale in. Show all posts
Showing posts with label homes for sale in. Show all posts

Tuesday, September 11, 2018

Coming Soon! Rancho Cucamonga Home in Ridgeview Estates

Coming Soon! Rancho Cucamonga Home in Ridgeview Estates

Rancho Cucamonga, CA 91739
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Celina Vazquez Broker/Realtor is proud to offer a desirable listing from the Ridgeview Estates Collections. Stunning two-story home located in the Ridgeview Estates of Rancho Cucamonga features over 2,400 Square Feet, 4 Bedroom, 3 Bathroom and 3 Car Garages. A great floor plan that is light and bright throughout. Gorgeous tite entry, large formal living room and separate formal dining room. The spacious family room has built-in cabinets, fireplace and French doors to the patio. Spectacular kitchen with stainless steel appliances, 6-burner Jenn-Air Stove, Jenn-Air 48” refrigerator and multi-cycle dishwasher. Large Island with granite slab and counter seating. Huge master suite with 2 walk-in closets and large master bathroom with dual vanities, spa tub and separate shower. The backyard yard is the perfect paradise for entertaining beautiful landscaped throughout. There is a sparkling blue swimming pool, spa and cozy stone fireplace.  Ridgeview Estates is a desirable subdivision of Rancho Cucamonga. Los Osos High School, Day Creek Intermediate and John L Golden Elementary School are the designated schools for this area. Chaffey College is just minutes away. If you like the outdoors The Etiwanda Preserve is one of the outdoor parks located less than a mile from this house. This is a trail that features a waterfall and is primarily used for hiking, walking, and trail running.  The Victoria Gardens is a beautiful shopping center pedestrian-oriented, open-air concept, mixed-used town center with stores such Macy’s, JcPenney, Bass Pro Shops, Express, Banana Republic, bebe, Brighton and many more. Great restaurants to dining in such BRIO Tuscan grille, California Pizza Kitchen, The Cheesecake Factory, Crepes de Paris, Lucille’s Smoke House, Bar-B-Que, Luna Mexican Grill, Yard House and many more.  For showings please contact Celina Vazquez @ 909-697-0823 or celina@celinavazquezrealtor.com












www.celinavazquezrealtor.com



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Thursday, May 4, 2017

Financial Planning: 4 Reasons to Buy a House Today





Financial Planning: 4 Reasons to Buy a House Today




Financial Planning: 4 Reasons to Buy a House Today - Homeownership will always be a part of the American Dream. There are advantages to owning your own home (educational, health, social) that far transcend any economic impact. However, we want to look at several of the financial advantages of homeownership in today’s post.

1. Buying is Cheaper Than Renting

The results of the latest Rent vs. Buy Report from Trulia show that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage in the 100 largest metro areas in the United States. The report reveals that:
“Interest rates have remained low, and even though home prices have appreciated around the country, they haven’t greatly outpaced rental appreciation…Nationally, rates would have to reach 9.1% for renting to be cheaper than buying. Rates haven’t been that high since January of 1995, according to Freddie Mac.”

2. Homeownership “Forces” You to Save

According to SavingAdvice.com, homeownership is a great way to save. Their advice is quite simple:
“Homeownership is a “forced” savings account because you own the home, you have no choice – that monthly housing cost has got to be paid no matter what…Homeownership can be an outstanding way to force yourself to be more frugal in the rest of your spending so that you can save and build equity in your home.”

3. Homeownership Offers Several Tax Deductions

According to the Tax Policy Center’s Briefing Book -“A citizen's guide to the fascinating (though often complex) elements of the federal Tax System” - there are several tax advantages to homeownership. Here are three:
  1. Homeowners who itemize deductions may reduce their taxable income by deducting any interest paid on a home mortgage.
  2. Homeowners who itemize deductions may also reduce their taxable income by deducting property taxes they pay on their homes.
  3. Taxpayers who sell assets must generally pay capital gains tax on any profits made on the sale.

4. Experts Expect Home Price Appreciation to Continue

Every quarter, Pulsenomics surveys a nationwide panel of over one hundred economists, real estate experts, and investment & market strategists about where they believe prices are headed over the next five years. They then average the projections of all 100+ experts into a single number.
Over the next five years, home prices are expected to appreciate 3.22% per year on average and to grow by 17.3% cumulatively, according to Pulsenomics’ most recent Home Price Expectation Survey.

Bottom Line

Some are afraid that home values may have already peaked. However, we believe that purchasing a home now will prove to be a sound financial decision for years to come. As Warren Buffet said, “When others are greedy, be fearful. When others are fearful, be greedy.”

To See More Blogs Like This One Please Visit My Website 
For More Info Please Call 909-697-0823
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Buying a Home? Do You Know the Lingo?





Buying a Home? Do You Know the Lingo?



Buying a Home? Do You Know the Lingo? - Buying a home can be intimidating if you are not familiar with the terms used during the process. To start you on your path with confidence, we have compiled a list of some of the most common terms used when buying a home.
Freddie Mac has compiled a more exhaustive glossary of terms in their “My Home” section of their website.
Annual Percentage Rate (APR) – This is a broader measure of your cost for borrowing money. The APR includes the interest rate, points, broker fees and certain other credit charges a borrower is required to pay. Because these costs are rolled in, the APR is usually higher than your interest rate.
Appraisal – A professional analysis used to estimate the value of the property. This includes examples of sales of similar properties. This is a necessary step in getting your financing secured as it validates the home’s worth to you and your lender.
Closing Costs – The costs to complete the real estate transaction. These costs are in addition to the price of the home and are paid at closing. They include points, taxes, title insurance, financing costs, items that must be prepaid or escrowed and other costs. Ask your lender for a complete list of closing cost items.
Credit Score – A number ranging from 300-850, that is based on an analysis of your credit history. Your credit score plays a significant role when securing a mortgage as it helps lenders determine the likelihood that you’ll repay future debts. The higher your score, the better, but many buyers believe they need at least a 780 score to qualify when, in actuality, over 55% of approved loans had a score below 750.
Discount Points – A point equals 1% of your loan (1 point on a $200,000 loan = $2,000). You can pay points to buy down your mortgage interest rate. It’s essentially an upfront interest payment to lock in a lower rate for your mortgage.
Down Payment – This is a portion of the cost of your home that you pay upfront to secure the purchase of the property. Down payments are typically 3 to 20% of the purchase price of the home. There are zero-down programs available through VA loans for Veterans, as well as USDA loans for rural areas of the country. Eighty percent of first-time buyers put less than 20% down last month.
Escrow – The holding of money or documents by a neutral third party before closing. It can also be an account held by the lender (or servicer) into which a homeowner pays money for taxes and insurance.
Fixed-Rate Mortgages – A mortgage with an interest rate that does not change for the entire term of the loan. Fixed-rate mortgages are typically 15 or 30 years.
Home Inspection – A professional inspection of a home to determine the condition of the property. The inspection should include an evaluation of the plumbing, heating and cooling systems, roof, wiring, foundation and pest infestation.
Mortgage Rate – The interest rate you pay to borrow money to buy your house. The lower the rate, the better. Interest rates for a 30-year fixed rate mortgage have hovered between 4 and 4.25% for most of 2017.
Pre-Approval Letter – A letter from a mortgage lender indicating that you qualify for a mortgage of a specific amount. It also shows a home seller that you're a serious buyer. Having a pre-approval letter in hand while shopping for homes can help you move faster, and with greater confidence, in competitive markets.
Primary Mortgage Insurance (PMI) – If you make a down payment lower than 20% on your conventional loan, your lender will require PMI, typically at a rate of .51%. PMI serves as an added insurance policy that protects the lender if you are unable to pay your mortgage and can be cancelled from your payment once you reach 20% equity in your home. For more information on how PMI can impact your monthly housing cost, click here.
Real Estate Professional – An individual who provides services in buying and selling homes. Real estate professionals are there to help you through the confusing paperwork, to help you find your dream home, to negotiate any of the details that come up, and to help make sure that you know exactly what’s going on in the housing market. Real estate professionals can refer you to local lenders or mortgage brokers along with other specialists that you will need throughout the home-buying process.

The best way to ensure that your home-buying process is a confident one is to find a real estate professional who will guide you through every aspect of the transaction with ‘the heart of a teacher,’ and who puts your family’s needs first.



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