BONES HOMES

11/26/2025

Sale pending on this beautiful horse property 🐎! So excited for our sellers and the special buyers on this one 🥰.

11/02/2025

Farmhouse in Sunny Friendly Fortuna on 11 acres. Call us for more details!

10/05/2025

#11 acres

10/04/2024

Check out our newest listing!! Tiny home on 1.24 acre lot in sunny Willow Creek/Salyer with an amazing permaculture garden and extra sleeping cabin 😍! Reach out with questions or to setup a showing 😀.

Discover the charm of simplified living in this delightful tiny home nestled on 1.24-acres. With a modest 325 square feet of interior space, this one-bed, one-bath cabin maximizes every inch for smart, cozy living. Experience tranquility on the expansive, beautifully crafted covered porch made from....

09/17/2024

Homeowners with equity have access to two unique financial options: home equity loans and home equity lines of credit (HELOCs). But what’s the difference? ⁣
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HELOC ⁣
💰 Credit line that you can draw upon as needed ⁣
💰 Only pay interest on the amount you borrow ⁣
💰 Variable interest, depending on your credit score and the prime rate ⁣
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Home Equity Loan ⁣
💰 Lump sum loan (meaning you receive the full amount at once) ⁣
💰 Set monthly payments ⁣
💰 Fixed interest rate that’s typically lower than a HELOC ⁣
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The best option for you will depend on your individual needs and circumstances. Reach out for a referral to a loan officer who can help you make an informed decision. ⁣
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📲 (707) 601-4558 ⁣
📧 [email protected]

09/12/2024

Did you know the size of your down payment can have a big impact on your mortgage? ⁣
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Here are a few of the ways: ⁣
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📉 Interest Rate ⁣
A larger down payment often means a lower interest rate on the money you borrow. ⁣
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🗓️ Monthly Payment ⁣
A bigger down payment means smaller monthly payments, making it easier to budget. ⁣
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💰 Total Cost ⁣
The more you put down initially, the less you'll pay in total over the life of the loan. ⁣
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🏠 Mortgage Type ⁣
Certain mortgages might require a specific minimum down payment. ⁣
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🔒 Mortgage Insurance ⁣
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With a smaller down payment, you may need mortgage insurance, adding to your monthly costs. ⁣
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Want to learn more about how your down payment can affect the cost of owning a home? Check out our latest blog post for a detailed breakdown. ⁣
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🔗 https://michellebones.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/

09/10/2024

We’re all looking for a better night’s sleep — and these tips for a restful sleeping environment can make a big difference. ⁣
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Looking for more help? Reach out for a referral to a design professional! ⁣
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📲 (707) 601-4558 ⁣
📧 [email protected]

09/05/2024

Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯 ⁣
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Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage. ⁣
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Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates? ⁣
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✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates. ⁣
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✅ Pay down credit cards, auto loans, student loans, and other debt. ⁣
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✅ Increase your income to offset your debts and lower your ratio. ⁣
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Ready to learn more? Check out our latest blog post to get more tips for taking out a mortgage. ⁣
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🔗 https://michellebones.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/

09/03/2024

The walk-through is one of the last steps in the homebuying process, but you shouldn’t rush it! Here are a few things to check during your final walk-through: ⁣
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💡 Are all items included in the sale (e.g. light fixtures and appliances) in place and operational? ⁣
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🚿 Are all major systems working properly? ⁣
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⚒️ Have all requested repairs been completed? ⁣
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🗑️ Has the seller removed all personal items and debris? ⁣
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🚪 Was any significant damage done during the seller’s move out? ⁣
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Want more expert guidance on the homebuying process? Reach out for a free consultation. ⁣
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📲 (707) 601-4558 ⁣
📧 [email protected]

08/29/2024

Getting ready to buy a home? It’s time to focus on boosting your credit score. 🚀 A higher score means lower interest rates and opens up a wider range of mortgage options. ⁣
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Watch this video for our top 5 tips to raise your credit score, then read our blog post to learn what score you’ll need for different types of mortgages. ⁣
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🔗 https://michellebones.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/

08/27/2024

Has the thought of selling your home crossed your mind? Here are 5 signs it’s the right time to list. ⁣
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If any of these resonate with you, reach out for a free consultation! ⁣
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📲 (707) 601-4558 ⁣
📧 [email protected]