Why having good credit could cost you more on a home

Kids and Credit

Something about economic trends that you’re not hearing about

Real Estate Investing: What I wish I knew earlier

2023 Housing Market Update

What are my options in today’s housing market?

Today's housing market is causing affordability issues for potential homebuyers. Ultimately, the biggest question to ask is "What's the alternative?" "Do I continue to rent?" As of today, 100% of the people I have talked to have had rent increases between $200-1,000 per month. "Do I move in with family?" This might be a short-term alternative, but more than likely not a feasible long-term option. "Do I buy a home?" It's generally a good idea to buy if you have a long-term outlook. In today's market, the majority of my clients are using the seller buydown strategy to reduce their interest rate and monthly payment. Check out a real-life example of my clients, Rachel and Jeremy, who just bought a home using the seller buy-down strategy.

Where are all of these people moving from?

Have you ever wondered which cities most people are relocating to? Redfin just published an article that shows the top 20 cities people are relocating to and where they are moving from. It's an interesting list. I look forward to hearing your thoughts. Rudy Lopez

Market Update – Inflation – 5/18/22

Topic: How inflation affects the housing market

What if the housing market crashes?

The most commonly asked question I get today is whether we are in a housing bubble and if a housing market crash is on the horizon. I thought it would be insightful to look at a possible worse case scenario and see what kind of an impact it would have on your monthly budget.

Our Underwriting Approved Offer

Hello, Here are the details of our offer on your listing. Pre-Approval Letter for $809k Loan Type: Conventional Loan Down: 20% Credit: Excellent Income: W2 Assets: Seasoned and Sourced Items Included: Our Pre -Approval Letter ( which you can download ) We've included a video that highlights our financing plan. Our plan " if " value doesn't come back at contract ( how we can maintain qualification & without dramatically increasing cash to close ) Thank you, Rudy Lopez

Your Appraisal Came In Low. Now What?

This video shows how we deal with values if they come in low. Our goal is to protect our buyers from bringing in additional fees to bridge the gap between the contract price and appraised value. We also use this technology & strategy to help get our client's offers accepted. We send custom presentations directly to the sellers/listing agents during the offer submission process. Here is an example of how we use the Appraisal Gap Strategy to win more offers.

How does a debt consolidation loan work? Here’s a real life example of a family that is saving $1,224 per month.

U.S. homeowners gained an average of $57,000 in equity in 2021, adding $3.2 trillion to American's wealth nationwide. Many homeowners are putting their equity to work by using cash out refinances to: 1) Consolidate high interest debts and lower your overall monthly expenses 2) Turning their house into their dream home by doing home improvements 3) Adding a pool 4) Investment opportunities 5) College tuition 6) Rainy day fund

If You Are Renting, You Need To Watch This Video On Corporate Landlords – 60 Minutes Report

Hello, I wanted to get this video out to bring to highlight the corporate landlords in this 60 Mins episode, which are driving up the rental market up and crushing your dream of homeownership. What? I want you to understand why the rental markets are rising. ( Real Estate is their bet against inflation, what are Corp Landlords and All Cash Offers ) Why? Understanding who and the why behind this movement could cause you to rethink and reevaluate your strategy and plan for homeownership. When? Now How to protect yourself? You need to understand a Rent vs. Own report, the actual Cost of Waiting, and how I use technology to help my clients have an increased chance of getting their offers accepted.