PROPERTIES BY DINORAH
RESIDENTIAL AND INVESTMENT REAL ESTATE
"our dedication . . . your financial freedom"

Blog

  • 10 Places Home Prices Are Being Slashed

    Explore a visual slideshow highlighting cities where home prices are being drastically reduced, with some areas seeing cuts of up to 25%. If reading lengthy articles isn’t your thing, this quick and informative slideshow is perfect for you. Discover which markets are experiencing significant price drops and what it could mean for buyers looking for great deals. Don’t miss this opportunity to stay informed about changing housing trends!...
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  • The 25 Best Cities With Cheap Housing And A Strong Job Market

    Thinking of moving out of California? Every year, I help families relocate to other states for reasons like lowering their cost of living, eliminating mortgage payments, or enabling one parent to stay home with the kids. If you're considering a move, I can assist you both in California and in your destination state. Check out this list of the top 25 cities offering affordable housing and strong job markets to find the perfect spot for your next chapter. Call me to start planning your move to...
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  • 11 Strategies For Paying Off Your Mortgage Early

    Discover smart strategies to pay off your mortgage early and achieve financial freedom. This blog post shares practical tips, including short-term refinancing options like a 15- or 10-year mortgage, and the power of making just one extra payment per year. Imagine owning your home outright with no monthly house payments! Start planning your journey to a debt-free future today. For personalized advice and options, CALL ME, and let’s discuss how you can make it happen....
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  • The Average American’S Net Worth Is . . .???

    Discover the top ways to increase your net worth in our latest blog post, featuring insights on the average American net worth of $1,063,700. The article highlights key strategies like saving for retirement, avoiding high-interest debt, and, most importantly, owning real estate. Homeownership remains one of the best paths to building wealth, especially in high-value areas like Southern California, where many homeowners now find themselves in the "Millionaires Club." Ready to boost your...
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  • Should You Buy A House During A Recession?

    Learn why buying a home during a recession can be a smart move, especially in Southern California. With less competition, first-time buyers and those with low or no down payments have a rare chance to enter the housing market without competing against investors and cash buyers. While lending requirements and economic uncertainty aren’t major concerns right now, this unique opportunity won’t last forever. Explore the pros and cons in our latest blog post and see why now might be the perfect time ...
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  • Here Are The 30 Best Housing Markets To Create Wealth

    Explore the top 30 housing markets for building wealth in our latest blog post. Real estate can be a rewarding investment, and knowing where to buy is key to maximizing returns. Recent research by GOBankingRates identifies the best markets for wealth growth based on factors like home value appreciation, list-to-sale ratios, and price cuts. With four cities each, California and Connecticut lead the list, including San Jose, CA, which saw a one-year increase of $151,218, and Bridgeport, CT, with a...
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  • 20 Housing Markets Where Home Prices Will Skyrocket In 2025

    Check out our latest blog post highlighting expert predictions for areas where home values may rise. Two California cities made the list, making this article a must-read for anyone looking to buy or invest in real estate. Whether you're curious about your area's potential appreciation or eager to invest in a high-growth market, now is the time to explore your options. While market trends can be unpredictable, this data may provide valuable insights. If you're ready to buy or invest, ...
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  • Did Mortgage Rates Just Go Up??

    Discover why waiting for the "perfect time" to buy may not be necessary in our latest blog post. With interest rates fluctuating daily, it's tough to predict the ideal moment. Whether you're selling and buying another property or a first-time buyer on the sidelines, now is the right time to take action. Don't miss out on opportunities in today's market—learn why there's no better time than the present to make your move. ...
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  • Houses Dropped In Value In These 3 Cities . . . And . . . One Of Them Is In Ca

    Learn about the latest trends in the housing market with our new blog post discussing the fastest home price drops in three U.S. areas. San Diego, California, is leading the decline, which isn’t surprising given its record-breaking price increases in recent years. Homes in this area sold rapidly, and their values soared, but now prices are adjusting. Stay informed about these market changes and what they mean for buyers and sellers in today’s housing landscape....
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  • 7 Reasons Home Prices Explode When Rates Fall

    Discover why now might be the perfect time to buy a home in our latest blog post. Whether you're a first-time buyer or looking to right-size your current home, lower interest rates can give you greater purchasing power. As highlighted in the video, when rates drop and home equity rises, buying now could mean your property will be worth more by next year. Don't miss out on this opportunity to invest in your future with increased home value potential....
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  • Housing Correction On The Way

    Check out this video where business and housing experts share why they believe home prices may start to decline in 2025. Factors like rising interest rates, low wages, and affordability issues for younger buyers are reducing demand in the housing market. Whether you're a buyer, seller, or investor, there are key steps you can take now to prepare. Buyers should get their credit and finances in order to seize future opportunities, while sellers may want to consider listing their homes now. If ...
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  • This Is How Long It Takes To Sell A House In Ca

    Discover the latest trends in the housing market in our new blog post. While homes are still selling quickly, the average time to sell has increased to 34 days, five days longer than before. Learn why this shift is happening and which factors, like overpricing or excessive cosmetic issues, may cause delays. The good news? My average time to sell a home is just 17 days—half the current market average—and I achieve an average sale price 6% above the listed price....
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  • Ca No Longer Has The Fastest Growing Home Prices In Us

    Read our latest blog post discussing why slower home price growth can be beneficial. While rapid price increases may slow, this trend makes homes more affordable, allowing more first-time buyers to achieve homeownership. Current homeowners should not worry—prices are still rising, just at a more moderate pace, avoiding the unsustainable double-digit growth seen in recent years. Discover how these changes could positively impact both buyers and homeowners in today’s market....
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  • Lumber Prices Plunge Due To Drop In The Us Housing Affordability

    Explore the latest trends in the US housing market and their potential impact on California in our new blog post. As housing affordability declines nationwide, lumber prices have dropped, making home buying and renovations more affordable. This decrease in lumber costs could lower overall building expenses, presenting a great opportunity for those considering building an ADU (Accessory Dwelling Unit). Learn why now might be the best time to take advantage of reduced costs and plan your next home...
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  • Can You Afford To Sell Your House?

    Explore the crucial question beyond standard home-selling expenses: Where will you go next? This insightful article delves into the pros and cons of selling and moving, helping you navigate your options. If you're uncertain about your next steps, our expert guidance can provide clarity. Let's meet to craft a strategic plan tailored to your needs. Don't let uncertainty hold you back—take the next step toward your future home with confidence. 🏡💼🔍...
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  • Foreclosures On The Rise

    In our latest blog post, we address the rising foreclosure notices due to inflation and high interest rates, though the situation isn't as severe as in the mid-90s and mid-2000s. If you're struggling to make mortgage payments, keep up with home repairs, or manage finances, it's crucial to act before missing payments. By exploring your options early, you can avoid foreclosure and potentially tap into your home’s equity to improve your financial situation. With experience in three mark...
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  • Are 3 Interest Rate Cuts Coming Soon?

    Stay updated with the latest insights on interest rates in our recent blog post. Contrary to previous reports of no rate cuts in 2024, new analysis suggests that three rate cuts may be on the horizon. Experts are pointing to rising bankruptcies and unemployment as key factors influencing this potential shift. They urge Chairman Powell to lower the federal reserve rate to mitigate the economic impact of the current high rates. Suggested rates of 4.61%, 3.91%, and 3.61% have been proposed, but whe...
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  • 20 Housing Markets With The Most Unsold Homes

    Explore 20 real estate markets with abundant home options in our latest blog post, including four prime areas in California. While property values typically rise due to low inventory, these markets offer a unique opportunity for buyers. Whether you’re a first-time buyer or looking to expand your real estate investment portfolio, now could be the perfect time to make your move. Dive into the details and discover the potential of these diverse markets, especially in Southern California. Don’t miss...
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  • Ca Insurance Crisis Called Devasting!!!

    California's insurance crisis is making it difficult for homeowners to get properties insured, leading to weekly calls from clients seeking insurance referrals. Currently, only about 10 insurance companies operate in CA, and most have exorbitant rates, impacting potential buyers' qualifying ratios. Clients often report their insurers requesting updates on electrical, plumbing systems, and roofs, with non-compliance leading to policy cancellations. If you're unable to find affordable ...
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  • State Farm Seeking Massive Rate Hike In Ca

    Stay informed with our latest homeowner’s insurance update. State Farm Insurance is planning substantial rate hikes: a 30% increase for all homeowners, 36% for condo policies, and a staggering 52% for renters insurance. Such significant changes from one major insurer often lead others to follow suit, potentially impacting your premiums regardless of your provider. On a brighter note, State Farm is not exiting the California market entirely, ensuring some level of competition remains....
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  • The Us Housing Market Has Entered Bizarro World

    Discover the surprising trends of today's housing market in our latest blog post. Despite soaring interest rates and an increase in homes for sale compared to last year, home prices continue to rise, creating what we call a "Bizarro Housing Market." This defies the conventional wisdom of supply and demand economics. Our analysis delves into the reasons behind this anomaly and predicts a significant drop in home values in the near future....
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  • Homes Prices Plummeting In Use-To-Be Overpriced Housing Markets

    Southern California's real estate market remains steady despite fluctuations in home prices across the USA. While some areas in CA have seen a slight slowdown, the overall market is healthy. If you're considering an investment or planning to move out of state, there are promising markets to explore. For any questions or if you need a referral for an out-of-town agent, feel free to call me....
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  • Ca Has 14K Apartment Conversions In The Pipeline

    California is addressing its housing shortage by converting commercial office spaces into apartments. With 14,000 units in various development stages, this initiative aims to repurpose empty commercial buildings, a smart move following COVID-19's impact. Los Angeles leads the nation in these conversions, which could significantly alleviate the housing crisis and ease the burden on Californians struggling with housing shortages....
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  • Ca Insurers Get A Rate-Hike

    Due to recent natural disasters, many insurers have left California, causing significant issues for homeowners. Initially, the state government prohibited rate increases, leading insurance companies to exit the market. Now, California is collaborating with insurers, allowing rate hikes to retain their services. This article details which companies remain and their rate changes. Homeowners may notice substantial increases in premiums. ...
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  • Millennial Homeownership Soaring In Ca

    Millennials have made a significant move into homeownership after observing the real estate market and learning from the mortgage meltdown their parents experienced. In California, Millennials are now the majority of homebuyers, with the highest concentration in the Bay Area, Los Angeles County (34.5%), and Anaheim (33.2%). This trend indicates a positive shift towards generational wealth creation....
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  • The Dilemma Of Buying A Home Now Or Waiting For Lower Rates

    Explore the pros and cons of buying a home now versus waiting for lower interest rates in this insightful article from Realtor.com. While waiting may seem advantageous, increased competition could drive prices up. Consider the expert's analysis and seize the opportunity to buy now, with the option to refinance if rates decrease in the future. Don't miss out—make informed decisions about your home purchase today. 🏡📈💼...
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  • Housing Experts Revise Housing Forecast For 2024

    Uncertain about the future of the real estate market? Experts have updated their forecast: instead of lower interest rates and booming home prices, expect higher rates with modest price increases of about 5% year-over-year. This article delves into the complexities of the real estate market and economy, offering insights based on early 2024 trends. Whether you're looking to buy, sell, right-size your home, move out of state, refinance, or make any real estate move, it's crucial to stay i...
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  • Is Making A Larger Down Payment To Buy A Home A Smart Idea?

    Discover a compelling strategy for homebuyers: putting less money down and investing the remaining funds. This article explores the benefits of this approach, especially in a high-interest rate environment. With investments yielding higher returns than traditional savings, learn how this tactic could optimize your financial strategy. Whether refinancing or considering mortgage options, explore the potential advantages outlined in this insightful article. 🏡💰💼...
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  • More Americans Are Paying Capital Gain Tax

    Understand capital gains tax implications when selling your home with this informative article. Unlike income and property taxes, capital gains tax applies to profits from property sales. Learn about exemptions and thresholds for individuals and couples, ensuring you're prepared for tax obligations. Discover how to maximize exemptions and minimize taxes owed. Thinking of selling? Contact us to assess your capital gains situation and explore exemptions. Click below for valuable insights. 🏡💰...
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  • 10 Important Mortgage Loan Questions To Ask

    Discover essential questions to ask when obtaining a mortgage or loan in this insightful article. Whether refinancing or purchasing a new home, knowing the right questions to ask is crucial. Learn why it's important to inquire about costs and fees associated with the loan, ensuring you make informed decisions about your mortgage. Trust our recommended mortgage expert, David Appel NMLS#234313, known for his competitive rates, minimal costs, and exceptional customer service....
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  • Four Times You Should Buy A Home, Despite High Interest Rates

    Discover why any day is the perfect time to buy a home, regardless of interest rates. Whether you're a first-time buyer or a seller seeking to right-size, this article highlights four compelling reasons to make your move. Trust us—we have even more reasons to share. Don't wait—explore the benefits of homeownership today! 🏡💼🔑...
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  • Ca Dream Home Act . . . Is It True Or Is It A Scheme?

    Discover the ins and outs of the CA Dream Home Act in this informative article. While it promises up to $150,000 for certain first-time buyers, experts raise concerns about its limitations and repayment terms. Is it a helpful program or a scheme? Dive into the pros and cons to make an informed decision. Explore alternative options without sacrificing 20% of your equity. Click below to learn more and decide if this program suits your needs. 🏡💰🤔...
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  • Is The Us Housing Market In For A 10-Year Decline?

    Discover the factors driving a potential decline in the US housing market in this concise video. Despite a housing shortage, demographic shifts are identified as the primary reason for this forecasted change. As prices plateau and properties take longer to sell, gain insights into the market's current status and prospects for the upcoming selling season. Stay informed about evolving trends in the housing market. 📉🏡💡...
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  • What States Will Give You Money To Buy A Home

    Discover how California offers incentives to help you purchase your dream home. Explore the map in our article to learn about state programs providing financial assistance. For instance, Bank of America granted one of our clients $17,500 in free money towards buying a condo in Santa Ana. This funding can be used to lower your interest rate, increase your down payment, and reduce overall payments....
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  • What’S An Adu?

    Explore everything you need to know about Accessory Dwelling Units (ADUs) in our quick and informative video. California's ADU laws offer flexibility, allowing multiple ADU structures on your property regardless of zoning regulations. Benefit from potential cash flow and enhanced generational living opportunities. Thinking about adding an ADU? Contact us for a comprehensive program with various options and cost details. Let's make your ADU dreams a reality! 🏡💡🛠️...
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  • Where Are Mortgage Rates Going???

    Anticipate no immediate mortgage rate drops as experts project a wait until 2025 for significant changes. Despite high inflation, there's a consensus that the Federal Reserve won't raise rates next week. Remember, Fed decisions impact variable consumer debts. If considering a home purchase or right-sizing, connect with us for pre-qualification and explore tailored loan programs. Let's craft a game plan that aligns with your goals and family needs....
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  • 9 Home Types That Will Drop In Value In 2024

    Discover the latest insights on homes expected to drop in price in 2024 with our intriguing video/slideshow. Could Southern CA homes be affected? While some may hesitate, remember, there's a buyer for every type of home. Don't fret—if you're considering a change, reach out to us for expert assistance. Let's find the perfect match for your home in any market condition. 🏠💼📉...
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  • First-Time Buyers Are Not Phased By 7% Average Rates

    The real estate landscape is shifting, with more first-time buyers entering the market compared to cash buyers in recent years. This change presents opportunities for both buyers and sellers. First-time buyers can seize the moment to qualify for favorable home loans, while sellers may consider listing now as home prices could adjust downward. Connect with us to navigate these evolving market dynamics and make informed decisions....
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  • Do You Want A Risk-Free Home Purchase In Ca?

    Discover the secrets to a risk-free homeownership strategy in California's vibrant real estate market. Our latest article breaks down the analysis, revealing how owning a home today can be virtually risk-free, appreciating over 12 years. Enjoy tax benefits, the potential for a mortgage-free retirement through a reverse mortgage, and the pride of homeownership....
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  • Mortgage Rates Rise Again

    In a surprising turn of events, mortgage rates have defied expert predictions and escalated once again. Initially expected to decrease, rates soared from under 6 percent in mid-February to now exceeding 7 percent. This unexpected shift raises questions about the housing market's trajectory....
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  • Mortgage Rates Surge Again Making Buyers To Retreat

    We explore the silver lining behind the recent surge in mortgage rates, urging potential buyers to seize the opportunity to become homeowners. Drawing from historical trends and personal insights, the post highlights why now, amidst others' hesitation, is the perfect moment to invest in real estate, emphasizing the long-term value of such investments and the availability of special financing options to secure lower interest rates....
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  • If You Sell Your Home, Will You Pay Taxes?

    Discover the crucial considerations around capital gain taxes when selling your home in our latest blog post. With soaring home prices and substantial equity, understanding your tax obligations is essential before making decisions about downsizing or cashing out. Learn about tax-deferred exchanges like the 1031 exchange for rental properties and navigate the complexities of capital gain taxes with expert insights. Consult with your CPA or tax preparer and reach out to us to explore your options....
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  • Homeowner’S Can Cut Their Property Tax Bill

    Unlock significant savings on your property tax bill with the California Homeowner’s Tax Exemption. Discover how completing a simple “homeowner’s exemption” form can reduce your property value by $7,000 for tax assessment, potentially saving you thousands of dollars over the years. This exemption is exclusively for owner-occupants and carries benefits for future generations as well. Don’t miss out on these savings – if you need assistance or have questions, reach out today. ...
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  • 11 Expensive Real Estate Scams For Buyers, Sellers And Renters . . . Don’T Be Scammed

    In today's real estate landscape, where transactions involve significant sums of money and personal information, it's crucial to be vigilant against potential scams and fraudulent activities. Whether you're buying, selling, or renting property, there are nefarious individuals who may seek to exploit unsuspecting victims for their own gain. In this comprehensive guide, we'll explore common real estate scams and provide actionable tips on how to protect yourself from falling victim...
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  • The State Of The Housing Market

    Explore the intriguing evolution of the housing market over the past decade in this blog. Delve into comparisons of affordability, investment in homes versus the stock market, and eye-opening insights on mortgage delinquency rates and pending foreclosures. Discover how the landscape is shifting and gain valuable perspectives for navigating the real estate terrain....
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  • Will The Housing Market Crash?

    Stay ahead in the ever-changing real estate landscape. While the market's future remains uncertain, my personalized approach ensures you're informed and ready. From selling to refinancing or exploring reverse mortgages for retirement, I guide you through thoughtful discussions, tailoring strategies to your unique situation. Let's talk and navigate your next real estate move with confidence....
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  • 2024 Housing Predictions . . . Again

    For 2024, we had 4 experts weigh in on what they predicted the housing market would be like for 2024.  I have attached a link with articles, videos, and charts that go into depth of what I am going to share with you....
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  • What??? Another Interest Rate Drop!!!

    Highlighting a recent development where rates dipped below 7 percent, the post urges readers to seize the moment. Whether considering right-sizing their home or delving into the realm of first-time homebuying or investment opportunities, the author encourages readers to take proactive steps....
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  • Mortgage Rates Plunge

    This is my third article regarding the mortgage rates and how they are dropping on a day-to-day basis. This is great news on the horizon because many people needing and wanting to right-size their homes who have been on the sidelines waiting will most likely start to revisit these plans again....
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  • Interest Rates Have Dropped

    If you have not heard the news, interest rates have dropped DRASTICALLY. There hasn’t been a drop this quickly in decades. Last Monday rates were hovering over 8 percent, today rates took a nose dive in the low 7’s...
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  • Why High Interest Rates Aren’T Pushing Down Home Prices

    Here’s a great article that talks about why we are not experiencing the downfall of home prices or maybe just even a slowdown....
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  • Ca Has 6 Of The Nation’S Most Valuable Housing Markets

    If you are a buyer trying to find a home to buy, I don’t need to tell you that CA (especially Southern CA) is one of the most expensive housing markets that exist today....
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  • Is The House Problem Speculation Or Lack Of Supply?

    I came across this article which compares today’s market to 2006 – 2008.  Remember the “Great Recession” where housing collapsed with an average loss of equity was 30% and some areas even more...
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  • Top 10 Cities Where Home Prices Are Dropping

    While most of my emails have talked about home prices and which areas are going up the quickest, today’s article is about which areas are dropping the quickest....
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  • Preparing For A Housing Bubble

    I came across this great article that shares how both buyers and sellers should prepare themselves for a housing bubble....
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  • Home Owner’S Insurance Prices Are Going Up And Up

    Recently I have received many calls from clients saying “My payments have gone up”.  After reviewing the paperwork, I realized that the mortgage payments are going up because the homeowner’s insurance has doubled and even tripled.  This will increase your payment significantly. ...
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  • Are Home Prices Starting To Cool Off??

    Here’s a great article that talks about the real estate market starting to cool off.  The reason for the cool-off is because of the cycle of the year we are entering and because interest rates have hit an all-time high of 7.2 % on average....
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  • Share Of Homes Worth $1Million Or More

    I am always ready and always agree that the best time to buy a house is NOW because in 5, 10, 15, 20 years that home has doubled, tripled, and quadrupled in value....
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  • How Much Are Property Taxes In Each State Of The Usa???

    With clients calling me on a weekly basis to discuss a possible out-of-state move, the question of property taxes always comes into the conversation....
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  • How Much Money Do You Need To Earn To Buy A House Today?

    It appears the average income to buy a home today is $117,000 annually. This is up $20,000 from a year ago and the two obvious culprits are the increase in interest rates PLUS the increase in home prices....
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  • Why Are Baby Boomers Leaving These Top 5 Cities?

    Two out of the five cities Boomers are leaving in high numbers are in CA. One of the obvious reasons boomers are leaving these cities is due to the high cost of living. ...
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  • Ca Could Pay Homeowners $40,000 To Building An Adu

    The State of CA just approved $50 Million dollars to assist homeowners with $40,000 grants so that they can build an “Auxiliary Dwelling Unit aka ADU” in their backyards....
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  • Are Home Prices Up Or Down?

    Here’s a great chart that shows how home prices have fared in your area.   It appears that everywhere it has gone down (except for CA Central Coast) and luckily not by too much....
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  • What Are The 10 Most Affordable Beach Towns For Homebuyers

    Here’s a list of the 10 most affordable beach towns a buyer can buy a home...
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  • What’S Better New Construction Or Existing Homes

    Daily I receive questions from clients asking which is better . . .  buying a new home or an existing home and, in my personal opinion, there are pros/cons to both.  ...
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  • California Areas Where Home Prices Have Plummeted

    While we all have heard that the real estate market will be adjusting, we haven’t really experienced any home price declines in Southern California. In fact, here in Orange County, we have seen home values GO UP this past year in most areas. ...
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  • Should My House Be In A Living Trust

    Our WILLS/TRUSTS event of April 29th was a huge SUCCESS. All the seats were filled!!! Many thanks to everyone who attended and participated....
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  • How Much Do Homeowners Have Even After Price Declines

    You will see from the attached article and chart that homeowners today HAVE A LOT OF EQUITY....
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  • What’S The Best Investment Now . . . Bonds – Stocks – Bitcoin Or Your Home?

    This is a fantastic article that compares homeownership to other investments.   Warning on the following information regarding Bitcoin. Since Bitcoin is a relatively new type of investment there is very little historical data on long-term success which is why it has the highest 5-year return....
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  • Homeownership As A Vehicle To Build Wealth

    I have always said that homeownership and owning real estate is the easiest and fastest way for anyone to create wealth.  In fact, today many of my first-time homebuyers from the 1990s are MILLIONAIRES because they own their home plus 1 or more rental units....
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  • Best Places To Invest In Real Estate For 2023

    Whether your leaving CA for other pastures or looking to invest in another state, here’s a list of the top places where to park your money....
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  • What Will The Re Market Look Like At The End Of 2023?

    While as I always say, no one knows exactly what will or won’t happen, I think it’s safe to say that the real estate market and housing will be different by the end of the year....
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  • Sellers-Buyers Feel Locked In By Current Low Mortgage Rate

    Every week I get calls from clients wanting to sell their home and move and their number one hesitation is . . . will my new mortgage be higher than my current mortgage?...
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  • New Home Sales Is The Name Of The Game

    While the market nationwide has softened a bit, it looks like new home sales have risen for the last 5 consecutive months.   We can attribute this to the temporary drop in interest rates, as well as, the buyers waiting on the sidelines getting back in the game now that the home buying field is a bit more even and not so crazy....
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  • Why You Need Home Loan Approval Before Shopping For A Home?

    In almost all my correspondence to you, I say “If you’re thinking of buying a home, call me, and let’s get you preapproved for a home loan.”...
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  • What's Is The Current State Of Affairs For Housing?

    I am attaching a great article from Goldman Sachs regarding the current state of affairs for housing PLUS what areas they predict will see the GREATEST DROP IN HOME PRICES....
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  • Are Interest Rates Tumbling Down???

    With the 3 banks that just collapsed, many of you are calling me to ask me if this is the beginning of another 2008 . . . the answer is NO!...
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  • The Good, The Bad And The Ugly

    Last week you saw the video of my clients who right-sized their home and used a reverse purchase to help them buy the house they wanted with no mortgage payment.  Today they are living happily ever after in the right home for their family. Congratulations to the Covarrubias family!!!!...
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  • Why An Hecm Loan May Be Right For You If You Are 62+?

    Here’s another article that talks about how many seniors today just do not have enough money every month to make ends meet. . . but they have a home that is free and clear or almost paid off. ...
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  • Rent Versus Buy In 2023??

    With the interest rates much higher today than a year ago, the question is it worth it to buy versus rent . . . YES YES YES!!!  My answer to that question will always be YES!!!...
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  • Can I Use My Housing For Retirement Income?

    Thank you to all that reached out to see what options are available for you and your family now that you are retired and on a fixed income. By the number of calls that came in, I can see there was a real need in my client base for this type of information as they are now starting to think about this stage of their lives....
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  • What Are The Three Ca Cities With The Most Growth In The Nation

    Chino, Victorville, and Menifee are considered BOOM TOWNS because of their growth in the past 5 years. Buyers flocked to these cities because of the city amenities, as well as, many new homes to choose from, and most importantly . . . affordability...
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  • What Percentage Of Homes Were Paid In Cash

    Did you know that about 1/3 of all US home purchases were paid in CASH? Now that’s exciting because it shows that home buyers and investors still see the real estate market as a great place to invest their money.  Riverside County had the most cash buyers, while Northern CA Bay Area was one of the lowest areas where buyers paid cash...
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  • What Are The Real Estate Risk Factors For 2023

    First Happy New Year To EVERYONE!!!  I wish you all great blessings in 2023 and always....
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  • Is Now A Good Time To Buy A House?

    Here’s a great article from the CA Association of Realtors regarding whether or not now is the right time to buy a home. Because rates are rising and prices dropping, the experts are saying (what I have been saying) that home prices will not drop enough to make up for the higher rates...
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  • Buyers The Ball Is In Your Court . . . Read Why!!

    Today’s real estate market is very unique because we are still short on inventory and at the same time we have approximately 70% fewer buyers looking for a home, which means less competition to buy....
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  • Are We In A Real Estate Stand Off?

    We are currently in the midst of a market that is unlike any market we’ve ever had in my 32+ years in the business. Although home prices have come down approximately 6% so far this year, the decrease in prices has NOT made up for the increase in interest rates...
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  • Did Mortgage Rates Just Drop???

    Last week was a great week because mortgage rates came down almost by half a percent. Previously we were at a 7%+ rate and today the average rate is considerably less...
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  • Real Estate Challenges Ahead

    I have always said that having INFORMATION is the key to being successful. The more informed you are about what is happening in today’s real estate market, the greater opportunities you’ll have to execute that information...
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  • How Weird Is The Real Estate Market?

    To understand how weird the housing market is currently, we first have to understand what drives the housing market. There are four key components: Supply, demand, affordability, and credit availability....
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  • How Much Do You Have To Earn To Buy A Home?

    Although there are many ways to look at this, here is an article with a chart and video that talks about how much you have to earn annually to purchase a home in today's real estate market.  ...
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  • Which 10 Cities Are Not Going Through A Housing Crisis?

    Although most of the US has seen a minimal downfall in value, there are some cities that are experiencing a greater drop in value than average. If you look at the list of cities with values coming down drastically, you’ll notice that those are the same cities that also had an upswing in value greater than average and it is almost expected for those areas to have the greatest value adjustment downward...
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  • Typical Home Now Sells For Less Than List Price

    At last, we can say it is officially a “buyer’s market”. What does this mean? . . . buyers have the upper hand in real estate purchases....
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  • Taxes!!!! Taxes!!!! Taxes!!!!

    I wanted to send you this article regarding all the potential tax increases on the ballot up for Vote this November in California. Be sure you are aware of them, understand them, and most importantly VOTE in November....
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  • How Much Have Home Values Dropped In The Past Decade??

    Home values decreased for the first time in a decade, according to Zillow, and that’s just one of several signs it’s finally getting easier to buy a house....
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  • Mortgage Rates Hurt Buyers More Than Home Prices

    I am so happy that finally an article is written about this topic because it is so important ESPECIALLY for those home buyers on the sidelines waiting for house prices to drop...
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  • Home Prices Just Dipped - Are They Poised To Plummet This Fall?

    I just had to share this article because it states over and over . . . What goes up must come down and vice versa...
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  • Did You Miss Selling At The Top Of The Market?

    This is a great article because it is more realistic as to what is actually happening with sales and prices versus the doom and gloom that we constantly hear which is based on speculation....
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  • Here Are The True Housing Numbers . . . And It’S Not That Bad!!!

    I think you and I can agree most of the housing market news nowadays hasn’t been that great and again most of the news articles and information out there is usually based on expert speculation versus actual real numbers....
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  • Here Are The 5 Home Markets That Will Keep Rising In Value In 2023

    As we keep listening to the experts tell else that the housing market will be coming down, there are 5 real estate markets that are actually looking that they’ll rise in value and not come down....
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  • Why Adjustable Rate Mortgages Make Sense Today

    It has been over 10+ years since we did any type of adjustable-rate loans for ourselves and/or clients. Now that the federal reserve raised the prime rate yet again by .75%, it may be time to explore other types of financing such as adjustable rates. ...
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  • Are Bidding Wars For Properties Over????

    I am actually excited about sharing this article with you because this tells me that we are entering into a NORMAL REAL ESTATE MARKET that allows everyone to participate, not just cash buyers and investors....
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  • Best Counties To Retire To In California

    As we all get a bit older and start to reach retirement age, moving out of our bigger homes may make sense, as well as, moving out of the area and even out of state...
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  • Does Trying To Save The Commission, Costs You Thousands Of Dollars?

    I must say that for the past couple of years, the “save the commission and sell to me” were out in huge numbers and those groups made out like FAT RATS!!! They were on the radio, they were on television and mailing you constantly information on if you want to sell, DON’T PAY THE COMMISSION AND SAVE MONEY I know first-hand, that cheap things ALWAYS turn out expensive...
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  • Alternatives To Single-Family Homes Can Appreciate Faster And Cost Less

    In the past 2 years, many buyers were unable to buy a house because they just could not compete with the cash buyers and exuberant overbidding that was going on. With many of the buyers I assisted during these crazy times, we were able to get into wonderful condos and townhomes....
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  • Why Adjustable Rate Mortgages Make Sense Today

    It has been over 10+ years since we did any type of adjustable-rate loan for ourselves and/or clients. Now that the federal reserve raised its rate yet once again by .75%, it may be time to explore adjustable rates....
    Read more
  • If The Housing Market Is Correcting, Why Are Home Prices Still Going Up?

    If the housing market is correcting, WHY ARE HOME PRICES STILL GOING UP?...
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  • Why Are Buyers Backing Out Of Deals?

    From a personal point of view, it does seem that recently I have had to sell a property a couple of times due to buyer cancellations. The fortunate part is there are always 1-2 backup buyers ready to purchase should the first buyer cancel...
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  • What Does The Recession And Housing Crash Have In Common?

    The good news is ALL experts are saying housing will be affected BUT NOTHING like the 2008 housing crisis. ...
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  • Why Are Buyers Backing Out Of Deals?

    From a personal point of view, it does seem that recently I have had to sell a property a couple of times due to buyer cancellations. Fortunately, part is there are always 1-2 backup buyers ready to purchase should the first buyer back out or not cancel...
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  • Do You Want To Relocate

    These past few years have been extraordinary, to say the least. I have personally helped on average each year 6+ families sell their homes and move out of state. The great thing for me is that it has all worked out for my clients. I keep in touch with them and everyone is enjoying their new lives and happy they made the move. ...
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  • Sales Decline, Price Drops And The Return Of Buyer Incentives

    While this article is talking about the real estate market of new builder housing, in my 30+ years of being in the real estate business, when there is a correction it always starts with new builder housing.  ...
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  • Is The Recession Going To Cause A Housing Crash?

    This article will be filled with quotes because the different experts are saying what I have been saying for the past year regarding a real estate crash....
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  • Is Now A Great Time To Become A Real Estate Investor?

    Today I am happy to say I have dozens of clients that are true millionaires because they became investors in real estate.  Many today live off their rents, have retired early, and have accomplished and experienced many things that they otherwise would have never been able to do had they not taken a leap of faith and invested in real estate....
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  • When Is The Housing Bubble Going To Crash

    While I will keep saying no one truly knows what will happen to today’s real estate market, I think we can all agree that it will NOT continue on its current trajectory. ...
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  • Home Prices Surged To Another Record High In April

    Here's a very short and great article from Yahoo News.  The article is great because it states that April 2022 houses went up in value (although minimally) from April 2021.  This could be partly because rates in April were still under 5 percent....
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  • Pandemic Changing Home Buyer Behavior

    With more people working remotely now and, in the future, buyers’ housing demand is slowly evolving. More than two in five REALTORS® (43.6%) noticed a change in buyers’ preference of the property that they want to purchase since the Coronavirus outbreak, according to C.A.R.’s 2020 Annual Housing Market Survey. ...
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