Great Loan Programs for First Time Home Buyers

Conventional Loan Program

         It is a great time to buy a home. Home prices and mortgage interest are low. I have a great lender to whom  I am giving most of my transactions. She has some different loan programs that no other bank has because these bank lend their own money. It means that they don't have to go with the guidelines of FHA, Freddie Mac, Fannie Mae, etc..

This lender closes my loans! We, realtors, are having a very hard time closing deals. 

Most of the time because of the lender's poor performance.

The hardest deals to close are the condominium, for different reasons such:

-Low HOA reserves

-Litigation

-Condition of the Property

-Too many units owned by investors

-The complex may not be FHA approved

-And many other reasons.

            But with my lender, she has a loan program for first time home buyers with:

3% Down Payment

620 + Fico Score

NO Mortgage Insurance (PMI)

Low interests

Contact me if you are interested in being pre-approved.

Veronica Cabrera, Realtor

Realty ONE Group

Huntington Beach, Riverside, San Bernardino, CA

veronicasreohomes.com

veronicacabrerarealtor@gmail.com

(714) 809-6521

R.E. Lic. #0143140

Energy Saving Assistance Program

                         Energy Savings Assistance Programs

04/10/2012

    Margarita just bought her first home. She was informed that the Gas Company has a program for any homeowner to help them save money by saving energy. The program is called " Energy Savings Assistant Program" The Gas Company is sponsoring the program. Together with community agencies and contractors are helping families that own their home.  The way it works is that an inspector goes to the homeowner property to see what changes or repairs are recommended to help them save energy. They check on appliances, doors and windows, a/c units and furnaces, water heater or anything that uses gas, water and electricity. They help the homeowners with water leaks or others repairs needed to avoid leaks and save energy. 

The best part is that it is free! They do the job and supply the materials. If you want to apply for the program, please call Carlos Garcia for assistance

His number is 1-714 -240-6102 Spanish, 1-714-973-0000 English or email; cwg007@gmail.com   

Baby Video, Our Clients Become Our Friends

Our Clients Become Our Friends

     One of the nicest parts of our profession is that we become friends with our clients.
Laura, my client and mom of the baby, invited my daughter and me to her family's Easter celebration in the park.
Laura is a current first time home buyer. We are in process of purchasing her first house. Thank you Laura for letting me share your baby's video. He is so cute!

Valeria, my daughter, enjoyed the Easter egg hunt.

 

Veronica Cabrera, Realtor

Realty ONE Group

Huntington Beach, Riverside, San Bernardino, CA

veronicasreohomes.com

veronicacabrerarealtor@gmail.com

(714) 809-6521

R.E. Lic. #0143140

Jefferson's Ten Rules; Something to Consider Reading

Our Children Reflect Our Personalities

03/08/2012

My daughter just came back from her school trip. She brought me a souvenir.
She says that when she saw it, she thought that I would like it.
I just don't like it, but I love it!
Thank you, my wendis.

Jefferson's Ten Rules

Never put off for tomorrow what you can do today

Never trouble another for what you can do yourself

Never spend money before you have earned it

Never buy what you don't want because it is cheap

Pride costs more than hunger, thirst and cold

We seldom repent of having eaten too little

Nothing is troublesome that we  do willingly

How much pain the evils cost us that never happened

Take things always by the smooth handle

When Angry , count ten before you speak; if you are very angry, count a hundred

Veronica Cabrera, Realtor

Realty ONE Group

Huntington Beach, Riverside, San Bernardino, CA

veronicasreohomes.com

veronicacabrerarealtor@gmail.com

(714) 809-6521

R.E. Lic. #0143140



 

 

What Should We Eat Today? There Is No Time to Cook.

What Should We Eat Today?

04/02012

     This is an everyday question; "What should we eat today?" Cooking takes time, so professionals have to think what to eat and where to go. Usually, I have my favorite places to go. The funny thing is that once I like something, I order the same thing until I get tire of it. Then, I have to find something else. Right now, I am enjoying MOLE AND CALDO DE RES from a restaurant called "Lindo Michoacan"

located on the corner of Anaheim Blvd and Broadway in Anaheim.

    In my opinion, Business people should not expend valuable time in the kitchen cooking. That time should be invested on prospecting or making sure everything is running smoothly with any new or current transactions. When I go to eat, I have my notes. After I place my order, I check on my notes. Add more things to it, make some call or do something productive.
There is nottime to waste!

By the way, whenever you see me and feel like inviting me to eat,
The Invitation is Always WELCOME!

Veronica Cabrera, Realtor

Realty ONE Group

Huntington Beach, Riverside, San Bernardino, CA

veronicasreohomes.com

veronicacabrerarealtor@gmail.com

(714) 809-6521

R.E. Lic. #0143140



To Have a Productive Day, Plan It.(revised)

Plan Your Day

April 6, 2012

To be able to have a productive day, we have to plan it and follow the schedule.
I would say that we spend more time planning and getting ready for work than we actually spend working on the job .

     I would recommend to:
- Take some time to think about all you have to do.
- Take notes. You may not think you need them at the time, but you can always refer to them.
- Every time you think on something that has to be done, write it down.
- Organize your task accordingly, for instance if the bank is on the way to the car wash, make that stop on your way, then if the
   post office is after the car wash, go there. Create a time sensitive map of where you are going.
- Don't think about it. Just do what you have to do. (Don't procrastinate !)
- Stay focused. (Don't allow anything to distract you or your are not going to be able to accomplish very much.)
- Keep in mind on your tasks, so you don't forget what your goal is.
- Have a schedule book and keep checking it all the time.
- Add new appointments immediately to you calendar/schedule so you don't forget.

Veronica Cabrera, Realtor

Realty ONE Group

Huntington Beach, Riverside, San Bernardino, CA

veronicasreohomes.com

veronicacabrerarealtor@gmail.com

(714) 809-6521

R.E. Lic. #0143140



Foreclosure Properties for Sale

                  Investors at the steps of the court house waiting for a good catch



Properties sell everyday outside of the court house.

Properties are selling at the steps of the court house everyday. Those properties are going to be foreclosed. The banks have a determined sale's price. They start with a minimum bid. Investors are there with cashier checks to try to buy the property they have already studied.

Before attending this event, the cash investors have checked the comparables, title records, conditions of the properties, and most important, who is foreclosing on the property. Some properties have one, two, three or more liens (loans). It is important to make sure that the bank that is foreclosing is the first lien holder.

    It is important to check on the properties' owed taxes, Homeowners Association accounts, or any other liens.. Once the investors are sure that it is a safe purchase, they determine the highest that they are willing to offer at the moment of the bidding.

Things go very fast there. You have to be very alert. Properties are bought in matter of seconds. No escrow or any time consuming transaction process. Usually, those properties are sold for about 20% to 30% discount appreised value. The question is, who has the cash to buy them?