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Wednesday, September 5, 2018

The Difference Between a Pre-Qualification vs. Pre- Approval

There is plenty of real estate terms used in transactions. Needless-to-say it can be confusing

for both buyers and sellers trying to navigate the process. The home loan process might feel

overwhelming and difficult to understand. Both buyers and sellers find terms like “Pre-

Qualification” and “Pre-Approval” used interchangeably, it’s no wonder they find themselves

wondering how to proceed.

Pre-Qualification

The first step in obtaining a home loan is to meet with a lender and discussing their financial

situation. The lender will discuss income, job stability, debt and credit. Once they have

performed a basic review of the qualifications and run credit, they will issue a Pre-Qualification

Letter to the potential buyer. This letter will identify the maximum sales price, down payment

requirement and basic terms of the loan, such as interest rate.

The Pre-Qualification letter is used to provide evidence that the buyer has been reviewed by a

lender who is vouching for their ability to obtain a loan.

Pre-Approval

A Pre-Approval is quite different. In this case, the lender collects all the necessary information

and proof of eligibility and has it reviewed by the lender underwriter for approval. A Pre-

Approval letter is almost like shopping with cash, the only remaining piece of the puzzle is the

property they are buying.

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Tuesday, August 28, 2018

Smart Home Trends for 2018

Smart Home Trends for 2018 By Celina Vazquez

Homes are getting “smarter.” From greater connectivity across all technology platforms and devices to complete automation and AI, consumers are finding more and more options to utilize Smart Home devices and products than ever before. Beyond a novelty, homeowners are seeking new and innovated products to provide greater security and ease-of-use at home and on the road.

Once the purview of the wealthy, most homes now use some kind of Smart Home technology every day. In 2018, look for the following trends:

Products are more accessible as the average price point continues to drop.
Voice control is the future. From turning lights on and off to answering the door from
your office, audible controls and access is more responsive and simpler to use.
Kitchens and baths are joining the fun. Manufacturers’ offer self-cleaning toilets and
refrigerators who can read their own contents and populate a shopping list on your
phone app.
Greater demands for scheduled automation. Alexa for instance offers a “wake up
routine” which can turn on lights, heating/air conditioning, start the coffee and provide a quick news update, all with one command.
The biggest trend change in the last year is that smart technology has gone mainstream. Watch for more products and services as consumers continue to drive innovation.

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Thursday, August 23, 2018

7693 Chalet Pl # 6 Rancho Cucamonga, CA 91739 Open House 8-25-2018

OPEN HOUSE

8-25-2018

7693 CHALET PL # 6

RANCHO CUCAMONGA, CA 91739

From 1:00- 3:00 PM

Gorgeous Tri-Level Condo located in The Victoria Gardens Home Owner Association by The Victoria Gardens Mall of Rancho Cucamonga.

This 3 bedroom 3.5 baths with 2-car garage with direct access unit has three levels. On the First Level, the garage with direct access to the first bedroom with a full bathroom. This bedroom could be used as an office, mother-in-law quarters or guest room. On the Second Level, the kitchen has beautiful oak cabinetry, stainless steel appliances, granite counters and large kitchen island. Huge living room with a cozy fireplace and a sunny balcony to enjoy beautiful sunsets. There is a half of bathroom, full-size washer and dryer closet and a pantry.

On the Third Level, we have the master bedroom with a custom-made closet and large master bathroom with double vanity and granite counters. Custom interior shutters to each window.

This charming condo has an easy walk to The Victoria Gardens Mall, which is one of the best open-air shopping malls of the Inland Empire. The Victoria Gardens Mall has retailed stores like Macy’s, Brigthon, EXPRESS, H&M, ZARA, ALDO, GAP, Hollister and much more. Have the best dining experience with restaurants like The Cheesecake Factory, Yard House, Fleming’s Prime Steakhouse & Wine Bar, Luna Modern Mexican Kitchen, P.F. Changs, King’s Fish House and many more.

The Victoria Gardens Home Owner Association offers a clubhouse and swimming pool and a uniquely comfortable urban lifestyle. The unit is available now and to schedule, an appointment contact Celina Vazquez at 99-697-0823.

View the Tour

Tuesday, July 24, 2018

5 Things NOT to do When Staging By Celina Vazquez

Staging a home for sale is the most misunderstood process in home selling. Creating the right atmosphere in the home, one which invites potential buyers to linger is much more than this. When creating the right scene, it’s just as important to know what NOT to when staging the home.

1. Neglecting the Deep Clean – A clean and fresh home is the very first step. If the home smells like last night’s dinner and there is cat hair in the corners, regardless of what else you do, it’s not going to sell.

2. Leaving the Clutter – Of course you’re still living in the home, but it shouldn’t necessarily look like it.

3. Keeping Personal Photos In View – Again, the goals is to create a blank canvass on which the buyers can imagine their own belongings.

4. Bright Colors – You might enjoy the purple wall and orange carpet, but your buyers will find them distracting. Neutral accents are always better.

5. Over Accessorizing – Too much of a good thing is a bad thing. Too many candles, throw pillows or furniture will just distract attention.

Consider investing in a professional stager who can help make your home shine

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Monday, July 9, 2018

The Worst Mistakes You Can Make As a Homebuyer By Celina Vazquez

Buying a home is typically the largest financial transaction most people make in their lifetime. The last thing you want to do is make a mistake, one which could cost you time and money – often a lot of money. These are some of the most common, and worst, mistakes you can make when buying a home.

• Not doing your homework in advance – Before you do anything else, do some preliminary research and get a pre-qualification letter before you start shopping for your new home.

• Changing Jobs or Buying Big Items – Once you’ve decided to buy a home, it’s critical not to change your circumstances, such as a new job or large credit card purchase.

• Calling the Listing Agent Directly – It might be tempting to try and get a “better deal” by working with the listing agent rather than using your own agent. This is not true; the listing agent works for the seller and does not represent your interests.

• Accepting Everything at Face Value – Always ask questions and investigate everything, including getting a thorough home inspection. Buying a home is exciting, but the most important thing is to consider the details and think everything through before jumping. By understanding some of the mistakes buyers make, you can avoid them.

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