All Blog Entries by Rick Delgado

Found 256 blog entries published by Rick Delgado.

 

Homes are going like crazy. There is nothing that could ever stop home buyers from getting the home they love. Whether it is paying a little extra or working longer hours to fit the budget, feeling financially stable is a key pre-buying step that all home buyers need.

Do you feel financially ready to buy a home? Here are some tips on how to know if you are ready to buy.  

 

1.) Be Debt Free

Do you have any outstanding debt? If you do the first step is to figure out how much you owe then come up with a plan to pay it off. I would recommend to start with the smallest debt and work your way up into paying off the larger debt. Buying a home is a huge expense especially having a mortgage loan. 

If you feel the need to use a credit card

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Being a first time home buyer can be very confusing! With so many different houses, locations, and styles, it can become difficult to distinguish any home from the perfect home. 

 

Here is a six-step guide on finding the perfect home: 

 

1. Location, Location, Location!

Finding a perfect home starts with discovering where you want to live. Do you want to live near family? The beach? What about in the city! Figure out your ideal location for where you want to live and what your priorities are. Since buying a home is a long term investment, think about where you wanna be in the next couple of years. 

 

2. Money Honey! What is your budget?

Buying a home is an expense you have to be prepared for. Figure out your total

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The National Association of Realtors and the Mortgage Bankers Association are both predicting increased interest rates in 2017. Over the last few weeks of 2016, Freddie Mac has been raising interest rates in response to strong job creation in the US. According to mortgage experts, rate increases are likely to continue over the next four quarters.

What Does This Mean for Homebuyers?

Those homebuyers looking to enter the real estate market can still capitalize on historic low-interest rates, despite the recent increases. Compared to the 2000s, where interest rates averaged 6.29%, homebuyers today can earn a mortgage rate of 4.5% for a 30-year fixed, 4.25% for a 20-year fixed, 3.75% for a 15-year fixed, and just under 4% for a 10-year fixed.

Need

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citrus-heights-real-estateIf you are looking for a family friendly, affordable city within the Sacramento region, look no further than the City of Citrus Heights real estate. 

Citrus Heights, CA is fairly young city, incorporated in 1997.  Prior to its incorporation, it was part of Sacramento. The population of Citrus Heights is approximately 84,345. 

It is centrally located between Downtown Sacramento and Roseville.

Quick Commutes from Citrus Heights

Citrus Heights homes for sale have the major advantage of being so centrally located to so many different freeways and highways that run throughout the Sacramento Valley.  Within 3 to 11 miles from the city’s center, you can easily access Interstate 80, Interstate 5, U.S. Highway 50, and CA State Highway 99.  You are also

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New homes in Sacramento are a great living option for a number of different homebuyers. There are many advantages to buying new including updated interiors, solid construction, and custom finishes.

Sacramento Offers Variety

From fully loaded low-maintenance condos to upscale executive homes, the options are plentiful and vary with every neighborhood. Whether you're a first-time homebuyer, a family looking to upgrade, or in your golden years and looking for a nice place to retire, with a range of new Sacramento homes to choose from, there's something to suit every lifestyle and budget.

New Homes Are More Affordable

New Sacramento homes are also more affordable as they require less money up front when it comes to repairs and maintenance.

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The Sacramento real estate market has been hot, and the latest market numbers show that there are no signs of slowing down just yet, despite seasonal slow-downs being the norm this time or year. In September, new open escrows jumped 17 percent, while resale home inventory went down. Demand for real estate continues to grow, while a mere 4,828 properties (7 percent fewer homes available compared to the same time last year) were available for sale on the market in the greater Sacramento area through September 30th.

Are home prices still on the rise?

If you are a home buyer searching for a home, you can now breathe a sigh of relief. Median sales prices for the greater Sacramento region have indeed stabilized at around $357,000 (unchanged for the past 3

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renovation-checklistRenovations are not only exciting, but they can take some time depending on the project that you’re trying to tackle. With this in mind, you have to be both physically and mentally prepared. You have to know you have the right amount of funds, that you're ready to take on such a large job and that you have all the required resources. However, what exactly should you be looking into prior to starting these renovations?

Permits

Before starting any large renovation, you should consider whether or not permits are something that are going to be needed. When it comes to adding on additions to a home, or even pools in the backyard; permits may be required to do so. The contractor that you choose should be able to get these for you but you want to double

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Our Favorite Real Estate Tips from the ExpertsWhether you’re buying, selling or renting a home; having tips to help you get through the process is essential. Use our list of quick tips directly from experts to know if you’re doing it right.

Tips for renters

Always buy renter's insurance

If you’re renting, always choose to purchase renter’s insurance. You never know what might happen and without it, nothing is covered; even the place you’re renting.

Document the property before moving in, and after moving out

It is essential to take pictures after you’ve moved out of a rental. This will provide proof of what you have and haven’t done, so nothing comes back later against you.

Raise your credit score quickly before you rent

Having poor credit can ruin your chances of renting a great

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how-to-raise-your-credit-score-quicklyWhen it comes to mortgages, good credit can make or break your application. Having a good credit score will also earn you better interest rates, and better access to loans. What many people do not realize is you can raise your credit score quickly. If you do not have any black marks against you like a foreclosure or bankruptcy, you can improve you credit score within a couple of months. Here are some measures prospective homebuyers can take to raise their credit score.

Dispute any errors on your credit report

Errors on credit reports are more common than you think. Whether it's a case of mistaken identity or a bill showing as unpaid when it was paid in full, you should always dispute any errors on your credit report.

Pro tip: Don't have access to

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house-hunting-tipsFinding your perfect home is no easy task. A successful house hunt requires plenty of planning and lots of research. Luckily, we've included some tips to help you focus your real estate search. If you're thinking about buying a home in the near future, here are some things to consider before starting your house hunt.

What's on your wish list?

Make a list of all the things you would like to have in your new home, then narrow down the list to the most important items on your initial list. Save time by focusing your search on what really matters to you. Some common wishes found on buyers' lists include:

  • Proximity to schools
  • Plenty or nearby amenities
  • A fenced backyard
  • Short commute to work
  • Low maintenance living
  • A multi-car garage
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