Real Estate Tips and Helpful Hints

07/23/2024

WHAT IS MORTGAGE PRE-QUALIFICATION?

Mortgage prequalification shows that a mortgage lender has estimated how much house you can afford based on basic financial information about you. It’s a preliminary indication whether you can get a loan, and how much that loan might be.

07/23/2024

Grow your own veggies with seasonal guide. 🗓
Enjoy Fresh Produce at Home! 😉🍅✨

05/21/2024

GARDENING TIPS 🍆🥑🍎🍓🌱🍍🍍🍋

Here are some recommended planting dates for California's major regions:
North and North Coast: May, early February, late April, and May
Desert Valleys: March, February–June, and December–February
Southern California: Fall between October and November, before the first rain
Los Angeles: First frost date is December 15, and last frost date is February 1
Sacramento: Last spring frost occurs on average on March 1, and first fall frost occurs on average on November 26

05/01/2024

Hello for those of you that don’t know me personally let me reintroduce myself…
My Name is Dani M Schlarmann, I’m happily married to my Wife Analiza Schlarmann. We have two amazing children and are blessed with 5 grandsons precious.
With over four decades of experience in the Mortgage industry, I've dedicated my career to helping individuals and families achieve their dreams of homeownership. Since 1983 I've been passionately navigating the ever-evolving landscape of real estate finance, serving as both a loan officer and broker.

Having facilitated the sale of thousands of loans, I take pride in the nearly half billion dollars in loans funded personally throughout my lifetime. Each transaction represents not just a financial milestone, but a testament to the trust and confidence my clients place in me.

From guiding first-time homebuyers through the intricacies of securing their first mortgage to assisting seasoned investors in expanding their portfolios, I've had the privilege of being a part of countless journeys towards property ownership.

Along the way, I've established my own brokerage and had the honor of working alongside some of the industry's top names, including Fannie Mae. These experiences have equipped me with invaluable insights and a deep understanding of the market, enabling me to provide tailored solutions to meet my clients' unique needs.

Whether you're buying, selling, or refinancing, I'm here to leverage my expertise and resources to help you achieve your real estate goals. Let's turn your dreams into keys to your new home!

07/15/2023

BROKERS AND REALTORS
Knowing your worth is so important. Not only professionally but personally as well. This analogy helps demonstrate this.

A bottle of water at Sam's Club is $0.25. The same bottle in the supermarket is worth about $0.50. The same bottle at fast food place costs $2. In a good restaurant or hotel, it can be worth up to $3. At an airport or on the plane, you may be charged $5. The bottle and the brand are the same, the only difference is the place.

In the real estate space, it may seem to a home buyer or seller that they will benefit monetarily by not hiring an agent. But buying or selling a home is a significant financial and emotional undertaking. The importance and advantages of hiring, YOU an experienced realtor cannot be overstated!

Here’s a punch list of just some of the compelling reasons why it’s well worth the investment to hire a Realtor especially in today’s roller coaster.

Experienced realtors possess extensive knowledge of the local real estate market. They understand the current trends, pricing dynamics, and neighborhood specifics. For home buyers, this expertise allows them to make informed decisions regarding the location, amenities, and investment potential of a property. For home sellers, realtors have a deep understanding of how to price their homes competitively and attract potential buyers.

Efficient and Time-Saving Process:
Realtors act as intermediaries, streamlining the entire process and saving both buyers and sellers valuable time. They handle tasks such as scheduling property showings, coordinating inspections, negotiating offers, and managing paperwork, enabling clients to focus on their personal and professional lives.

You have established networks of professionals within the industry, including mortgage lenders, appraisers, home inspectors, and contractors. This network can be invaluable for home buyers and sellers, as realtors can connect them with reliable and trusted individuals who can assist throughout the buying or selling process.
Know & Show Your Worth!
Bring your unique value to the table

Everyone’s goal is to do things as proficiently and efficiently as possible, thus saving time and money. By enlisting the services of a seasoned professional such as yourself, individuals can navigate the complexities of the real estate market with confidence, ultimately achieving their goals and maximizing their investment. With me as part of your professional tool kit, I will support both you and your clients with integrity and bring with me a wealth of knowledge and experience that only a seasoned mortgage advisor can offer.


Show Me the Ways!
I WORK WEEKENDS!
If you need anything this weekend please don't hesitate to reach out to me.

05/03/2023

Hi Everyone,

The housing market has been shifty lately. It’s hard to predict where things are headed, but there are some facts that put those scary rumors to rest. True, mortgage rates rose dramatically last year, impacting many people’s ability to buy a home. And after rapid price appreciation, home prices finally peaked last summer. These changes led to a rise in headlines saying prices would end up crashing.

Prices have been relatively flat at the national level. Lawrence Yun, Chief Economist at the National Association of Realtors (NAR), doesn’t expect that to change:
“Home prices will be steady in most parts of the country with a minor change in the national median home price.”
Are the housing crash rumors true?
Here's the real deal
You might think sellers would have to lower prices to attract buyers in today’s market, and that’s part of why some have been waiting for prices to come crashing down. But there’s another factor at play – low inventory. And according to Yun, that’s limiting just how low prices will go:
“We simply don’t have enough inventory. Will some markets see a price decline? Yes. [But] with the supply not being there, the repeat of a 30 percent price decline is highly unlikely.”

A recent survey from Zonda shows 53% of millennials are still renting right now because they’re waiting for home prices to come down. But here’s the thing: the most recent data shows that home prices appear to have bottomed out and are now on the rise again. Selma Hepp, Chief Economist at CoreLogic, reports:
“U.S. home prices rose by 0.8% in February . . . indicating that prices in most markets have already bottomed out.”
But only time will tell…..

04/06/2023

Spring showing so many Blooms,
Not all plants are good for FURBABIES ❗️❣️🐾

02/24/2023

The U.S. housing market suffered the BIGGEST DROP IN VALUE 🏡 since 2008 as home prices came crashing down.

That's according to a new report from real estate brokerage firm Redfin, which showed that the total value of U.S. homes tumbled from a record high of $47.7 trillion in June 2022 to $45.3 trillion at the end of the year — a decline of $2.3 trillion, or 4.9%.

It marks the biggest drop in percentage terms since the 2008 financial crisis, when home values plunged by 5.8% from June to December.

During the COVID-19 pandemic, home prices soared at a pace not seen since the 1970s with mortgage rates near a record low. Homebuyers — flush with stimulus cash and eager for more space during the pandemic — flocked to the suburbs.

Demand was so strong, and inventory so low, that at the height of the market some buyers waived home inspections and appraisals or paid hundreds of thousands over asking price.

02/07/2023

Come February, Americans anticipate the activity of Punxsutawney Phil, the climate-forecasting rodent whose shadow will signal if winter will persist longer or be shorter.

But weather isn’t the only thing we’re eager to get an expert forecast on right now. Many of us also want to know where mortgage rates will land in the second month of 2023, all the better to guide our decisions on purchasing or refinancing a home.

Here’s a silver lining among these overcast days of snow, ice and frigid temperatures: Freddie Mac reports that mortgage rates continue to dip. The benchmark 30-year fixed-rate mortgage is averaging 6.13 percent at the time of this writing, up 2.58 percent from a year ago but down from its 7.08 percent high last autumn. And the Mortgage Bankers Association (MBA) reports that for the week ending Jan. 20, mortgage applications jumped 7.0 percent over the week prior.

02/07/2023

02/07/2023

Punxsutawney Phil -- the legendary groundhog weather watcher -- woke up and saw his shadow Thursday morning, calling for six more weeks of winter.

Each February 2, on Groundhog Day, the members of the Punxsutawney Groundhog Club make the pilgrimage to Gobbler's K**b, Phil's official home.

The group waits for Phil to leave his burrow and, legend has it, if he sees his shadow we're in for six more weeks of winter. If he doesn't, we get to bask in an early spring.

02/03/2023

FEBRUARY GARDENING TIPS 🌿🍊🥑 🍋

Planting Season Begins in February for Southern California Gardeners:

Plant herbs and cool-weather vegetables: Herbs such as parsley, oregano and thyme can be planted now. February is also the optimal time to plant asparagus, beets, broccoli, cabbage, carrots, lettuce, onions, peas, potatoes, radishes, turnips and rutabaga. They will be ready to harvest in spring.

Feed avocado and citrus trees: It’s time to give your citrus and avocado trees the nitrogen and nutrients they need for their coming growth spurt. If there is a chance of frost in your area, wait until March. Allow fallen avocado leaves to remain under the tree as mulch to protect from avocado root rot. Remove branches that touch the ground to help prevent ants from taking over the tree.