Your Mama Agent

08/04/2025

The Home Development Mutual Fund, commonly known as Pag-IBIG, is targeting to release some P157 billion in housing loans this year. https://tinyl.co/3CEX

04/04/2025

Pag-IBIG Fund said it will keep its home loan interest rates low until June 2025. In a statement, Pag-IBIG said it is keeping its three-year repricing period rate steady at 6.25 percent per year, and its one-year repricing period rate at 5.75 percent. | via ANC 24/7

Link to full story in the comments section.

19/03/2025

"Assets put money in your pocket; liabilities take money out. This simple concept changed how I see money. Instead of spending on things that lose value, I need to invest in assets like real estate..."

I grew up thinking that making money depended on working harder and getting a good job. But Rich Dad Poor Dad made me realize that wealth isn’t just about how much you earn—it’s about how you think about money. The book opened my eyes to the difference between working for money and making money work for me. It challenged everything I thought I knew about success and financial freedom.

7 Powerful Lessons I Learned from the Book:

1. The rich don’t work for money; they make money work for them. I used to believe that getting a high-paying job was the key to wealth. But now, I understand that financial freedom comes from building assets that generate income, not just working for a paycheck.

2. Financial education is more important than a high salary. Schools teach us how to earn money, but they don’t teach us how to manage it. I’ve learned that understanding investing, assets, and liabilities is what truly separates the wealthy from the rest.

3. Assets put money in your pocket; liabilities take money out. This simple concept changed how I see money. Instead of spending on things that lose value, I need to invest in assets like real estate, businesses, or stocks that generate income over time.

4. The poor and middle class work for money, but the rich build wealth. I realized that most people trade their time for money, but the wealthy focus on creating systems and investments that earn for them, even while they sleep.

5. Fear and comfort keep people trapped in the rat race. Many people stick to jobs they don’t like because they fear losing security. This book taught me that real security comes from financial independence, not relying on a paycheck.

6. The rich take calculated risks. I used to avoid anything that seemed risky, but I’ve learned that smart financial decisions often require stepping outside of my comfort zone and being willing to take well-thought-out risks.

7. Developing an entrepreneurial mindset is key to financial freedom.

15/03/2025

Wanting some peace & quiet surrounded by nature?
A friend's farm lot in Laguna is up for sale 💞
📍Brgy. Bayaquitos, Nagcarlan, Laguna

Lot area: 987 sqm
Price: 1.4M net
✅️ Clean title
✅️ Has fence
✅️ Has fruit-bearing trees like Lanzones, Rambutan, Buco, Saba, Macapuno, etc.
✅️ Cemented road all the way to parking, then about 5 minutes walk to the lot
✅️ Near Bunga Falls (search on Tiktok or Reels to see the general area)

Dm me to schedule your viewing.

12/03/2025

You should be owning your own property or properties by the time you reach your 40s.

12/03/2025

Come visit our open house this Saturday & check out our 1 bedroom & 2 bedroom units available in Paran̈aque City - both RFO & Pre-selling. Take home some sample computations & get to know payment terms that may fit your budget!

Send a message to confirm your visit. See you!

09/03/2025

Slides from the South Luzon Real Estate Market Updates by Colliers Philippines Research during Vista Land's recentclaunch of their new horizontal projects in Tanza, Dasmarinas & Silang.

I'd say the guest speaker Joey Bondoc (Research Director) was great! Very insightful and all their figures are backed by data. Super promising ng future developments in the Calabarzon area.

08/03/2025

FOR SALE: Rice Mill Company + Assets
Loc: San Jose, Nueva Ecija
Area: 2.402 hectares (24,020 sqm) - 5 titles
Price: 25k/sqm

✅️ 2 Warehouses w/ 2 sets machinery
✅️ 7 Trucks
✅️ 100 kw Solar
✅️ ISO Certified
✅️ Supplier accreditation w/ 2 major fast food chains
✅️ All of the company's personnel

A friend is selling their family's big rice mill business in Nueva Ecija. Message me if you know anyone, any business or entity that might be interested.
Open to brokers or salespersons w/ valid PRC reg. & ID.

06/03/2025

Not performing due diligence when buying a property would not only cause you to lose your hard earned money, it could also cause you a lot of stress later on.

The (SC) has ruled that land buyers must verify ownership by checking the certificate of title and reviewing the records in the Registry of Deeds to avoid fraudulent transactions.

In a Decision penned by Associate Justice Alfredo Benjamin S. Caguioa, the Court’s Third Division upheld the rulings of the Regional Trial Court and Court of Appeals which voided the land titles of a married couple who failed to conduct due diligence when they bought the properties from someone who acquired her titles through fraud.

Orencio and Eloisa Manalese purchased two parcels of land from Carina Pinpin, who presented certificates of title in her name and claimed to have bought the properties from the original owners, the late Narciso and Ofelia Ferreras.

However, the administrator of the Ferreras estate, alleged that Pinpin fraudulently obtained duplicate titles by submitting a false affidavit of loss and a forged deed of sale. Pinpin then used these to sell the properties to Spouses Manalese a year later.

The Supreme Court upheld the lower courts’ findings, stressing that buyers must check both the certificate of title and the Registry of Deeds records before purchasing land. Relying solely on a certificate of title is insufficient, especially if there are signs of fraud or irregularity.

In this case, the Spouses Manelese failed to investigate despite multiple warning signs, making them liable for not exercising due diligence. Several key documents were already on record, including the affidavit of loss procured by Pinpin, the issuance of another set of duplicate titles, a second affidavit of loss by a certain Zenaida Ferreras, and the nearly simultaneous registrations of these three annotations on the titles.

Said the Court: “Since petitioners did not inquire into the register, and even without such inquiry, they are nonetheless constructively notified of every registration affecting the said subject properties, they cannot feign ignorance of such
registrations.”

Read the full text of the Press Release at https://sc.judiciary.gov.ph/sc-land-buyers-must-check-both-title-and-registry-of-deeds-records/.

Read the full text of the Decision at https://tinyurl.com/3njh86mk.

Read the Separate Concurring Opinion of Associate Justice Henri Jean Paul B. Inting at https://tinyurl.com/3k2p236k.

Copying of this content is subject to the SC PIO’s Credit Attribution Policy: https://sc.judiciary.gov.ph/credit-attribution-policy/.

04/03/2025

The Metro Manila real estate market is poised for a dynamic yet nuanced 2025, shaped by a blend of fresh supply, evolving occupier demands, and post-pandemic recalibrations. According to Jones Lang LaSalle, Inc. (JLL) Philippines’ latest market overview, the office, retail, and hospitality sectors will navigate a landscape of both challenges and strategic openings, offering tenants and investors opportunities to adapt and thrive in a shifting economy.

READ MORE: https://propertyreport.ph/commercialoffices/2025/02/28/38804/metro-manila-property-market-2025-new-supply-and-shifting-demands-drive-evolution

01/03/2025

Buying a house as young as possible can have numerous benefits. Here are some reasons why:

Building Equity
The earlier you buy a house, the more time you have to build equity. As you pay down your mortgage, you own more of your home, which can be a valuable asset.

Lowering Monthly Expenses
Rent prices tend to increase over time. By buying a house, you can lock in a fixed mortgage payment, which can be lower than rent payments.

Stability and Permanence
Owning a home can provide a sense of stability and permanence. You can put down roots in a community and make long-term plans.

Customization and Control
As a homeowner, you have more freedom to customize and renovate your property to suit your needs and tastes.

Potential for Appreciation
Real estate values can appreciate over time, making your home a potentially valuable investment.

Rent Savings
By owning a home, you can save money on rent payments, which can be redirected towards other expenses, savings, or investments.

Improved Quality of Life
Homeownership can lead to improved mental and physical health, as well as a greater sense of community and belonging.

Potential for Rental Income
If you choose to rent out your home in the future, you can earn rental income to help offset your mortgage payments.

Keep in mind that buying a house at a young age may require careful financial planning, saving, and budgeting. However, with the right mindset and strategy, it can be a rewarding and beneficial decision.

28/02/2025

In the PH, you can get an affordable house, condo or apartment to rent or own with this amount of retirement income.