Wednesday, January 30, 2019

Down Payment – How Much Do You Need? By Celina Vazquez

Down Payment – How Much Do You Need? By Celina Vazquez 




Gone are the days when anyone could buy a home with just a promise and signature. No documentation loans allowed virtually anyone to buy a house with no money down with just a simple credit check. After the mortgage meltdown, this all changed. Lenders tightened guidelines and down payments were back.

But how much do you actually need? Must you always find 20% down? The answer might surprise you; there are many ways to buy a home with less than 20% down payment.

 0% Down – There are still two loan programs which allow one to buy a home for no down payment; the VA loan and the USDA loan. The VA loan requires the borrower to be a qualified service person or veteran and the USDA loan is for certain areas under the Department of Agriculture.
 5% Down – Conventional loans with loan limits can allow one to buy a home with as little as 5% down. These loans do have PMI (Private mortgage insurance) which can be eliminated when the loan amount falls below the 20% threshold.
 3 ½ % Down – FHA offers first time home buyers a good home loan for only 3.5% down payment. Again these loans have loan limits and PMI but offer a faster entry into the housing market.

Buying a home doesn’t always mean 20% loan. If you’re considering buying a new home, talk to your lender about your options.



www.celinavazquezrealtor.com

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Wednesday, January 16, 2019

Top 7 New Year’s Resolutions for Home Sellers

Top 7 New Year’s Resolutions for Home Sellers 


With the start of the New Year, thoughts naturally turn to change. If one of your New Year’s Resolutions is to sell your home, then making the right resolutions can help you sell your home quickly and for the best possible return.

Top 7 New Year’s Resolutions for Home Sellers 

1. Move Up Spring Cleaning – Time to do your spring cleaning now. Declutter, depersonalize and make the home look roomier.

2. Stage Your Home – Whether you hire someone or do it yourself, this is the time to rearrange your furniture to make your rooms look bigger and brighter.

3. Think it Through – Before you spend money on renovations and upgrades, think carefully and don’t overspend by guessing.

4. Take Care of Neglected Repairs – This is a great time to hire a handyman or break out the tool belt to take care of deferred maintenance and take care of minor repairs.

5. Interview Real Estate Agents – Hiring a real estate agent is critical to your success. Take the time tointerview a number of agents and choose the right one for your needs.

6. Check out the Competition – Go see homes listed for sale in your area and adjust your timing, staging, and pricing based on the market.

7. Prepare Mentally – Selling a home can be stressful. Be prepared for low offers, picky buyers, drop-by agents, and odd terms. Prepare yourself now so you will take them in stride when you’re on the market.



www.celinavazquezrealtor.com



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Tuesday, December 11, 2018

Holiday Décor For Less By Celina Vazquez

Holiday Décor For Less By Celina Vazquez


The holiday season is here. Decorating magazines and storefronts are filled with beautiful wreaths, themed pillows and festive decorations, but this can be expensive. Decking the halls doesn’t have to cost a fortune. Add some freshness to your home this season with these inexpensive ideas.

DIY Ornament Wreath – Find some inexpensive ornaments and use your hot glue gun to attach to a wreath shape.

Fresh Greenery – Extra cuttings from the tree or even an evergreen in your yard adds charm to your front door, table or mantle.

Candles – Real or fake, candles create ambiance throughout the home. Use silver or white candle sticks and holders to contrast with fresh greens for a modern look.

Candy Canes – Fill jars or glassware with multi-colored candy canes and leave on coffee tables and dressers.

Wrap Your Gifts Early – Nestle wrapped presents under the tree or in piles in corners. Use festive, colorful paper to add to the charm of the room.

Holiday Pillows – Discount stores offer inexpensive holiday pillows to through on sofas, beds and chairs.

Fairy Lights – Adding battery powered light strands to wreaths, tucked in greens and trimmings and clear bowls filled with ornaments can add a sparkle to the room. These are just a few tips for decorating your home this year for less money, and have fun doing it.

 
 
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Monday, December 3, 2018

Rancho Cucamonga Home in Ridgeview Estates Rented By Celina Vazquez

Rancho Cucamonga Home in Ridgeview Estates Rented By Celina Vazquez

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












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308 N Azusa Ave Azusa,CA 91702 SOLD

SOLD
308 N AZUSA AVE
AZUSA, CA 91702


Spacious unit part of a Fourplex featuring 2 bedrooms and 1 bathroom with a 1 car garage and large backyard. 
Large kitchen with plenty of cabinets for all the pots and pans. Washer and Dryer Hookups. Large living room with laminate flooring and two spacious bedrooms with plush carpet. 
Close to shopping centers, within minutes of the 210 freeway, parks and schools. 


www.celinavazquezrealtor.com
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Wednesday, October 31, 2018

Advantages of Selling a Home This Winter By Celina Vazquez


Home sellers and real estate agents often fear the winter months because it seems like a poor time to list. The truth is that winter can be a great time to list your home for sale.

Less Inventory 

Conventional wisdom tries to say that taking your home off the market in winter, or waiting to list, until the spring selling season starts is the best way to sell your home. The truth is that if you are trying to sell your home, wouldn’t you rather list while the competition is less?

Higher Prices 

With the end of the summer season, often homes are removed from the market, either because the sellers mistakenly believe they need to wait for the spring. But when listings flood the market in April, prices can go down as a “buyers’ market” takes hold and inventory increases.

Serious Buyers 

Buyers in the winter also tend to be more serious about a home purchase. The holidays are a time to relax and enjoy family and friends. In real estate, studies show that if a buyer is out looking for a new home during these months, they have a reason to move, which tend to create better offers.

Home sellers can enhance their ability to capitalize on the slower pace and smaller inventory by listing their homes for sale now. Winter is the perfect time to get the highest possible sales price while the competition is drinking pumpkin spiced latte and waiting for the spring.



www.celinavazquezrealtor.com

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Monday, October 22, 2018

Top 5 Rooms to Remodel in 2018

Top 5 Rooms to Remodel in 2018 


With the popularity of the home remodeling shows, home owners across the country are anxious to take out their tool box and remodel their home too. Most often, remodels are better suited to professionals however, and this can cost significantly more. Regardless of the method, remodeling projects are not inexpensive, so making the best impact for the cost is important. Here are the top 5 rooms to remodel in 2018. 

1. Kitchen – Always a great return on investment. From functional spaces to bona find living areas, add extra seating, lighting and entertaining spaces such as a bar or counter. 

2. Backyard Kitchen/Family Room – The backyard is an extension of the interior. Section off areas for an outdoor kitchen and family room. Add a fireplace or even a TV. 

3. Master Bedroom – Always a place to retreat and refresh. Master bedrooms are getting makeovers with calm soothing paint colors, large picture windows and balconies or patios. 

4. Guest Bathroom – While not often the first thought, a powder room is easy to remodel and gives a great impression. Make the space look larger with a monotone color scheme. 

5. Bonus Room/Media Room – Create a unique family space with a media room or bonus room. Extra space which will bring more than its share of cost when selling.

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