Seika Sin - Portfolio Real Estate

Seika Sin - Portfolio Real Estate Real Estate Agent serving Sacramento County, CA and joined Portfolio Real Estate in June 2020!

๐‡๐š๐ฏ๐ž ๐ฒ๐จ๐ฎ ๐Ÿ๐จ๐ฎ๐ง๐ ๐ญ๐ก๐ž ๐ฉ๐ž๐ซ๐Ÿ๐ž๐œ๐ญ ๐ฌ๐ญ๐š๐ซ๐ญ๐ž๐ซ ๐ก๐จ๐ฆ๐ž ๐š๐ง๐ ๐ฐ๐จ๐ง๐๐ž๐ซ ๐ก๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐Ÿ๐Ÿ๐จ๐ซ๐ ๐ข๐ญ?โฃโฃThis Forgivable Loan may be the one for you! ...
05/18/2022

๐‡๐š๐ฏ๐ž ๐ฒ๐จ๐ฎ ๐Ÿ๐จ๐ฎ๐ง๐ ๐ญ๐ก๐ž ๐ฉ๐ž๐ซ๐Ÿ๐ž๐œ๐ญ ๐ฌ๐ญ๐š๐ซ๐ญ๐ž๐ซ ๐ก๐จ๐ฆ๐ž ๐š๐ง๐ ๐ฐ๐จ๐ง๐๐ž๐ซ ๐ก๐จ๐ฐ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐Ÿ๐Ÿ๐จ๐ซ๐ ๐ข๐ญ?โฃ
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This Forgivable Loan may be the one for you! The Forgivable Equity Builder Loan gives first-time homebuyers a head start on this with immediate equity in their homes via a loan of up to 10% of the purchase price of the home. The loan is forgivable if the borrower continuously occupies the home as their primary residence for five yearsโฃ
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๐„๐ฅ๐ข๐ ๐ข๐›๐ฅ๐ž ๐๐ฎ๐ฒ๐ž๐ซ๐ฌ:โฃ
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๐Ÿ“This program is for first-time homebuyers purchasing an owner-occupied property anywhere in California. โฃ
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๐๐จ๐ซ๐ซ๐จ๐ฐ๐ž๐ซ ๐‘๐ž๐ช๐ฎ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ๐ฌ:โฃ
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๐Ÿ“Be a first-time homebuyer โฃ
๐Ÿ“All borrowers must be either a citizen or other National of the United States, or a โ€œQualified Alienโ€ as defined at 8 U.S.C ยง 1641. โฃ
๐Ÿ“Meet credit, income and loan requirements of CalHFAโ€™s first mortgage loan program, the CalHFA-approved lender, CalHFAโ€™s Master Servicer, Lakeview Loan Servicing and the mortgage insurer/guarantor โฃ
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๐‘๐ž๐ฉ๐š๐ฒ๐ฆ๐ž๐ง๐ญ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐…๐จ๐ซ๐ ๐ข๐ฏ๐š๐›๐ฅ๐ž ๐„๐ช๐ฎ๐ข๐ญ๐ฒ ๐๐ฎ๐ข๐ฅ๐๐ž๐ซ ๐‹๐จ๐š๐ง โฃ
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๐Ÿ“If the borrower(s) occupy the home for five (5) years, the full amount of the Forgivable Loan is forgiven. Any Forgivable Loans paid off prior to the five-year term will be forgiven on an annual pro- rated basis. โฃ
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๐˜Š๐˜ญ๐˜ช๐˜ค๐˜ฌ ๐˜‰๐˜๐˜– ๐˜ญ๐˜ช๐˜ฏ๐˜ฌ ๐˜ง๐˜ฐ๐˜ณ ๐˜ฎ๐˜ฐ๐˜ณ๐˜ฆ ๐˜ช๐˜ฏ๐˜ง๐˜ฐ!โฃ
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DM for more infoโฃ
๐Ÿ  Seika Sinโฃโฃ
๐Ÿ“ž (916) 430- 9893โฃโฃ
๐Ÿ“ซ [email protected] โฃโฃ
๐Ÿ  DRE #02105284โฃโฃ
โญ•๏ธ Portfolio Real Estate โฃโฃ
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Sources: CALHFA + โฃ
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๐’๐จ ๐ฐ๐ก๐š๐ญ ๐ข๐ฌ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ฌ๐œ๐จ๐ซ๐ž?โฃโฃA credit score predicts how likely you are to pay back a loan on time. A scoring model uses in...
05/16/2022

๐’๐จ ๐ฐ๐ก๐š๐ญ ๐ข๐ฌ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ฌ๐œ๐จ๐ซ๐ž?โฃ
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A credit score predicts how likely you are to pay back a loan on time. A scoring model uses information from your credit report to create a credit score.โฃ
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Some factors that make up a typical credit score include:โฃ
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* ๐˜ ๐˜ฐ๐˜ถ๐˜ณ ๐˜ฃ๐˜ช๐˜ญ๐˜ญ-๐˜ฑ๐˜ข๐˜บ๐˜ช๐˜ฏ๐˜จ ๐˜ฉ๐˜ช๐˜ด๐˜ต๐˜ฐ๐˜ณ๐˜บโฃ
* ๐˜ ๐˜ฐ๐˜ถ๐˜ณ ๐˜ค๐˜ถ๐˜ณ๐˜ณ๐˜ฆ๐˜ฏ๐˜ต ๐˜ถ๐˜ฏ๐˜ฑ๐˜ข๐˜ช๐˜ฅ ๐˜ฅ๐˜ฆ๐˜ฃ๐˜ตโฃ
* ๐˜›๐˜ฉ๐˜ฆ ๐˜ฏ๐˜ถ๐˜ฎ๐˜ฃ๐˜ฆ๐˜ณ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ต๐˜บ๐˜ฑ๐˜ฆ ๐˜ฐ๐˜ง ๐˜ญ๐˜ฐ๐˜ข๐˜ฏ ๐˜ข๐˜ค๐˜ค๐˜ฐ๐˜ถ๐˜ฏ๐˜ต๐˜ด ๐˜บ๐˜ฐ๐˜ถ ๐˜ฉ๐˜ข๐˜ท๐˜ฆโฃ
* ๐˜๐˜ฐ๐˜ธ ๐˜ญ๐˜ฐ๐˜ฏ๐˜จ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ฉ๐˜ข๐˜ฅ ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ญ๐˜ฐ๐˜ข๐˜ฏ ๐˜ข๐˜ค๐˜ค๐˜ฐ๐˜ถ๐˜ฏ๐˜ต๐˜ด ๐˜ฐ๐˜ฑ๐˜ฆ๐˜ฏโฃ
* ๐˜๐˜ฐ๐˜ธ ๐˜ฎ๐˜ถ๐˜ค๐˜ฉ ๐˜ฐ๐˜ง ๐˜บ๐˜ฐ๐˜ถ๐˜ณ ๐˜ข๐˜ท๐˜ข๐˜ช๐˜ญ๐˜ข๐˜ฃ๐˜ญ๐˜ฆ ๐˜ค๐˜ณ๐˜ฆ๐˜ฅ๐˜ช๐˜ต ๐˜บ๐˜ฐ๐˜ถ ๐˜ข๐˜ณ๐˜ฆ ๐˜ถ๐˜ด๐˜ช๐˜ฏ๐˜จโฃ
* ๐˜•๐˜ฆ๐˜ธ ๐˜ข๐˜ฑ๐˜ฑ๐˜ญ๐˜ช๐˜ค๐˜ข๐˜ต๐˜ช๐˜ฐ๐˜ฏ๐˜ด ๐˜ง๐˜ฐ๐˜ณ ๐˜ค๐˜ณ๐˜ฆ๐˜ฅ๐˜ช๐˜ตโฃ
* ๐˜ž๐˜ฉ๐˜ฆ๐˜ต๐˜ฉ๐˜ฆ๐˜ณ ๐˜บ๐˜ฐ๐˜ถ ๐˜ฉ๐˜ข๐˜ท๐˜ฆ ๐˜ฉ๐˜ข๐˜ฅ ๐˜ขย ๐˜ฅ๐˜ฆ๐˜ฃ๐˜ต ๐˜ด๐˜ฆ๐˜ฏ๐˜ต ๐˜ต๐˜ฐ ๐˜ค๐˜ฐ๐˜ญ๐˜ญ๐˜ฆ๐˜ค๐˜ต๐˜ช๐˜ฐ๐˜ฏ,ย ๐˜ข ๐˜ง๐˜ฐ๐˜ณ๐˜ฆ๐˜ค๐˜ญ๐˜ฐ๐˜ด๐˜ถ๐˜ณ๐˜ฆ, ๐˜ฐ๐˜ณย ๐˜ข ๐˜ฃ๐˜ข๐˜ฏ๐˜ฌ๐˜ณ๐˜ถ๐˜ฑ๐˜ต๐˜ค๐˜บ, ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฉ๐˜ฐ๐˜ธ ๐˜ญ๐˜ฐ๐˜ฏ๐˜จ ๐˜ข๐˜จ๐˜ฐโฃ
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Keep in mind there is no โ€œoneโ€ credit score. It is important to know that you DO NOT have just โ€œoneโ€ credit score and there are many credit scores available to you as well as to lenders. โฃ
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Any credit score depends on the data used to calculate it, and may differ depending on the scoring model, the source of your credit history, the type of loan product, and even the day when it was calculated.โฃ
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๐˜œ๐˜ด๐˜ถ๐˜ข๐˜ญ๐˜ญ๐˜บ ๐˜ข ๐˜ฉ๐˜ช๐˜จ๐˜ฉ๐˜ฆ๐˜ณ ๐˜ด๐˜ค๐˜ฐ๐˜ณ๐˜ฆ ๐˜ฎ๐˜ข๐˜ฌ๐˜ฆ๐˜ด ๐˜ช๐˜ต ๐˜ฆ๐˜ข๐˜ด๐˜ช๐˜ฆ๐˜ณ ๐˜ต๐˜ฐ ๐˜ฒ๐˜ถ๐˜ข๐˜ญ๐˜ช๐˜ง๐˜บ ๐˜ง๐˜ฐ๐˜ณ ๐˜ข ๐˜ญ๐˜ฐ๐˜ข๐˜ฏ ๐˜ข๐˜ฏ๐˜ฅ ๐˜ฎ๐˜ข๐˜บ ๐˜ณ๐˜ฆ๐˜ด๐˜ถ๐˜ญ๐˜ต ๐˜ช๐˜ฏ ๐˜ข ๐˜ฃ๐˜ฆ๐˜ต๐˜ต๐˜ฆ๐˜ณ ๐˜ช๐˜ฏ๐˜ต๐˜ฆ๐˜ณ๐˜ฆ๐˜ด๐˜ต ๐˜ณ๐˜ข๐˜ต๐˜ฆ. Most credit scores range from 300-850.โฃ
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๐ˆ๐Ÿ ๐ฒ๐จ๐ฎ ๐ก๐š๐ฏ๐ž๐งโ€™๐ญ ๐œ๐ก๐ž๐œ๐ค๐ž๐ ๐ฒ๐จ๐ฎ๐ซ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ซ๐ž๐ฉ๐จ๐ซ๐ญ ๐ซ๐ž๐œ๐ž๐ง๐ญ๐ฅ๐ฒ, ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐ซ๐ž๐ช๐ฎ๐ž๐ฌ๐ญ ๐š ๐Ÿ๐ซ๐ž๐ž ๐ซ๐ž๐ฉ๐จ๐ซ๐ญ ๐Ÿ๐ซ๐จ๐ฆ ๐š๐ฅ๐ฅ ๐ญ๐ก๐ซ๐ž๐ž ๐จ๐Ÿ ๐ญ๐ก๐ž ๐œ๐ซ๐ž๐๐ข๐ญ ๐›๐ฎ๐ซ๐ž๐š๐ฎ๐ฌ ๐š๐ญ ๐€๐ง๐ง๐ฎ๐š๐ฅ ๐‚๐ซ๐ž๐๐ข๐ญ ๐‘๐ž๐ฉ๐จ๐ซ๐ญ! ๐‚๐ก๐ž๐œ๐ค ๐๐ˆ๐Ž ๐ฅ๐ข๐ง๐ค๐ฌ ๐Ÿ๐จ๐ซ ๐ฆ๐จ๐ซ๐ž ๐ข๐ง๐Ÿ๐จ! โฃ
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๐ƒ๐Œ ๐Ÿ๐จ๐ซ ๐ฆ๐จ๐ซ๐ž ๐ข๐ง๐Ÿ๐จโฃ
๐Ÿ  Seika Sinโฃโฃ
๐Ÿ“ž (916) 430- 9893โฃโฃ
๐Ÿ“ซ [email protected] โฃโฃ
๐Ÿ  DRE #02105284โฃโฃ
โญ•๏ธ Portfolio Real Estate โฃโฃ
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โฃโฃโฃ
Source: Consumer Financial Protection Bureau (CFPB) + California Association of Realtors(CAR) โฃ
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Here are some common closing costs: ๐Ÿ“*ORIGINATION FEES:A fee charged by lenders for processing the application and under...
05/10/2022

Here are some common closing costs:

๐Ÿ“*ORIGINATION FEES:
A fee charged by lenders for processing the application and underwriting it.
This fee typically ranges from 0.5%-1% of the borrower's mortgage.

๐Ÿ“SERVICE CHARGES:
Includes the appraisal, credit report, flood determination and certificate, tax
status, pest inspection, title search and insurance, and survey fees. Appraisals
and surveys can cost anywhere between $300 to $500 each. Title services
can add up to about $2,000.

๐Ÿ“TRANSFER TAXES AND RECORDING FEES:
Vary by state but can run as high as 2.7% in some states.

๐Ÿ“ESCROW ITEMS:
Includes homeowners' insurance, property taxes, and primary mortgage
insurance, if applicable. These vary by location. HOA fees also may be included here.

Contact for more info:
Seika Sin
๐Ÿ“ฑ(916) 430 - 9893
๐Ÿ“ซ [email protected]
DRE #02105284

Source: California Association of Realtors (CAR)

02/16/2021

New Built in Elk Grove. Open concept, walk-in pantry and so much more! What else are you looking for?

DM for a private tour today!

Seika Sin
Portfolio Real Estate
916 430 9893
DRE 02105284

Sometimes I like seeing what my neighbors name their wifi networks. Tell me I'm not alone. What's the best wifi network ...
01/06/2021

Sometimes I like seeing what my neighbors name their wifi networks. Tell me I'm not alone. What's the best wifi network name you've seen? ๐Ÿ™Š

Here are some myths on home buying:1. I need to have a 20% down2. Interest rates are too high3. I need my credit score n...
09/27/2020

Here are some myths on home buying:

1. I need to have a 20% down
2. Interest rates are too high
3. I need my credit score need to be perfect

There are a variety of loan available that will fit your needs and your budget. The interest rates are at ALL TIME low so now is the perfect time to buy! Don't wait and start now!

Seika Sin
Portfolio Real Estate
916 430 9893

Beautiful home in established neighborhood in Roseville with covered patio and so much more!DM for more infoSeika Sin916...
09/25/2020

Beautiful home in established neighborhood in Roseville with covered patio and so much more!

DM for more info

Seika Sin
916 430 9893
Portfolio Real Estate

Pchum Ben, a national holiday in Cambodia which falls on the 15th day of the 10th Khmer month, will be celebrated on Sep...
09/17/2020

Pchum Ben, a national holiday in Cambodia which falls on the 15th day of the 10th Khmer month, will be celebrated on September 16, 2020, and marks the start of a 15 day religious festival in Cambodia. The Cambodian buddhists believe that every year the souls of their ancestors are released for 15 days.

Pchum Ben marks the start of the journey of souls to purgatory, that in-between place that is neither heaven nor hell. The course of their journey will be decided by their karma and by the offerings made by their living relatives during Pchum Ben.

This festival begins at the end of the Buddhist Lent. During this time, foods are cooked for the monks to generate merits that will benefit the dead.

Some of us are overachievers. How many times have you moved?
09/14/2020

Some of us are overachievers. How many times have you moved?

Don't let the stress and complexity of home buying or selling get to you! Let me help you navigate through this process ...
09/04/2020

Don't let the stress and complexity of home buying or selling get to you!

Let me help you navigate through this process ๐Ÿ˜Š

Seika Sin
916 430 9893
Portfolio Real Estate
DRE 02105284

This 3 Bedrooms and 3 baths charming corner halfplex property located in a desirable Elk Grove neighborhood! This home i...
09/02/2020

This 3 Bedrooms and 3 baths charming corner halfplex property located in a desirable Elk Grove neighborhood! This home is a definitely must see!

Seika Sin
Portfolio Real Estate
916 430 9893

Address

9240 Laguna Springs Drive
Elk Grove, CA
95758

Telephone

+19164309893

Website

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