Friday, September 19, 2014

WHAT IS THE BEST INTEREST RATE AVAILABLE?

HOW DO YOU GO ABOUT FINDING THE BEST INTEREST RATE AVAILABLE?


Why are interest rates so different from one lender to the next? Well it depends on the cost of money for that day, just like stocks the price is always changing. 


That plus what fees are you being charged for that PERFECT interest rate?



Below are two quotes from two different lenders that I received on Friday 9/19/2014 ... both of them are from reputable lenders yet the interest rates are very different. 




When shopping for a rate, take a look at the APR and the difference in actual rate and the APR will show if there are a lot of points and fees built into the interest rate quote.

In the examples above, for a 30 year fixed rate loan, Lender A is quoting 4.125% with an APR of 4.45% while Lender B is quoting 4.50% with an APR of 4.59%. 

Lender A is charging fees for a lower rate while Lender B is offering a higher rate with less fees? Which is better and what is the difference in payment to you?

THAT DEPENDS on your available funds to cover closing costs for a higher fee to get a lower interest rate ... and in this case, on a hypothetical sales price of $425,000 the difference in payment would be $93.00 a month.

Why is all this important when you are thinking about buying a home? Talking to a lender is the very first step but many potential buyers are confused as to what all the numbers actually mean when it comes time to make that first house payment.

If you would like some guidance on who to speak with to get the information you need for your situation, I would be happy to refer you to a lender that can get you started in the right direction ... there are also several home financing programs available that DO NOT require 20% down ... so many buyers still think that they can't qualify for a home loan ... call me and let's find out together what the facts are FOR YOU!

Wednesday, September 10, 2014

3 BEDROOMS & 1 BATH IN LAKEWOOD UNDER $500,000

THREE BEDROOMS, 1 BATH IN LAKEWOOD 
UNDER $400,000.

NEW CARPET, NEW PAINT
BIG BACK YARD WITH SHADE TREES.

Want to see this home before it hits the market?

Call 562-882-1581

Want to search for other properties like this one?






Wednesday, August 20, 2014

2014 LAKEWOOD CAR SHOW

Last Sunday, 8/17/2014 ... I had the honor of participating in the 2014 Lakewood Car Show which also welcomed the traveling Vietnam Veteran's Wall!





The early morning sunrise was quite a sight ... making this a very moving event.







I was there participating as a member of the Lakewood Chamber of Commerce and to promote my affiliation with the wonderful organization ...




This organization serves heroes from all walks of life

by offering them savings and rebates when they buy or sell real estate.

I took a lot of pictures and wanted to share them with you so ... please visit www.LakewoodCarShow.com 
to see a compilation of all types of cars that were there ... I hope you also enjoy the music!

 If you have any questions about the Homes For Heroes program, or just want to let me know what you think of the video ... just drop me an email or give me a call ... 
Allison@SuperBroker.com /// 562-882-1581

Tuesday, July 29, 2014

3 BEDROOM HOME IS THE BEST CALIFORNIA LIVING HAS TO OFFER


Have you ever wondered what it is like to live in a beautifully appointed home with all the amenities that a California lifestyle has to offer? 


This 3 bedroom, 2 bath home with over 1600 square feet of living space is just what anyone would love to own.


Large living room with French doors leading to a side patio for summer time; family room with fireplace for fall and winter time coziness.

Open and spacious kitchen with breakfast bar that overlooks the family room … for all those gatherings for friends and family alike.

Plenty of parking with a car port plus a two car garage


 THIS IS THE HOME YOU HAVE BEEN WAITING FOR!!

For more information visit my YouTube Channel and look for the video 5203 Coralite ... for a private showing call me 562-882-1581

Wednesday, July 16, 2014

How Much Down Payment Do I Need To Purchase a Home.

Recently when speaking with potential buyers they seem to have a misconception of what is required as a down payment to purchase a home.

 I am always asked 'how much down payment do I need' so I just want to clear a few things up in case you are saving up for your first home purchase.
  • A person can get a conforming, conventional mortgage with a down payment of as little as 5 percent (sometimes with as little as 3 percent coming out of their own pocket”.
  • Qualified borrowers can further reduce the down payment coming out of their own pocket to 3 percent by lining up gifts from family or grants or loans from non-profits or public agencies.
Having 20 percent down makes your payment less and you get rid of that private mortgage insurance. But if you are tired of paying your landlord, please give me a call today so we can discuss what is available and what your payment would be. There are so many programs available for you.

Know your options so you can plan ahead.

I have a great little home available at 5134 Gaviota in Long Beach CA 90807.
Priced at $399,900 it offers beautiful floors, two bedrooms, bonus room, newer windows, covered patio, two car garage and a long driveway.

Check out my YouTube video of this property
5134 Gaviota Ave in Long Beach

Want to see more properties ... visit www.AutomaticHomeSearch.com

Thursday, July 3, 2014

LOOKING FOR A 3 BEDROOM 2 BATH HOME IN LONG BEACH OR LAKEWOOD?

Have you been looking for a home to buy in Long Beach or Lakewood?

I just recently have listed FOUR homes that just might be what you are looking for.

Below are some links to videos of these listings …

GET THE POPCORN READY take a quick peek and let me know what you think!

3 BEDROOMS 2 BATHS 1346 Sq Ft

3 BEDROOMS 2 BATHS 1395 Sq Ft

3 BEDROOMS 2 BATHS 1382 Sq Ft

3 BEDROOMS 2 BATHS 1538 Sq Ft

Don’t see what you want?

visit www.AutomaticHomeSearch.com or give me a call

562-882-1581

Wednesday, June 18, 2014

JUST LISTED 4532 NIPOMO IN LAKEWOOD

WALK TO THE NATURE CENTER & BIKE TO THE BEACH !!

Just Listed 4532 Nipomo in Lakewood

3 Bedrooms and 1 Bath with everything a first time home buyer could want ...

Large living room, dining area, great open kitchen with an inside laundry room.

2 (Copy)

6 (Copy) 14 (Copy) 15 (Copy)

Great back yard with covered patio, two car garage with a long driveway for lots of extra parking.

Want to see EVEN more pictures with information CLICK HERE

If you would like a private showing just give me a call Allison 562-882-1581

Allison@SuperBroker.com