BONES HOMES

BONES HOMES Making home ownership dreams come true, one client at a time!

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

Check out our newest listing!! Tiny home on 1.24 acre lot in sunny Willow Creek/Salyer with an amazing permaculture gard...
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....

Homeowners with equity have access to two unique financial options: home equity loans and home equity lines of credit (H...
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? ⁣

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 ⁣

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 ⁣

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. ⁣

📲 (707) 601-4558 ⁣
📧 [email protected]

Did you know the size of your down payment can have a big impact on your mortgage? ⁣ ⁣Here are a few of the ways: ⁣ ⁣📉 I...
09/12/2024

Did you know the size of your down payment can have a big impact on your mortgage? ⁣

Here are a few of the ways: ⁣

📉 Interest Rate ⁣
A larger down payment often means a lower interest rate on the money you borrow. ⁣

🗓️ Monthly Payment ⁣
A bigger down payment means smaller monthly payments, making it easier to budget. ⁣

💰 Total Cost ⁣
The more you put down initially, the less you'll pay in total over the life of the loan. ⁣

🏠 Mortgage Type ⁣
Certain mortgages might require a specific minimum down payment. ⁣

🔒 Mortgage Insurance ⁣

With a smaller down payment, you may need mortgage insurance, adding to your monthly costs. ⁣

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. ⁣

🔗 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. ⁣

Looking for more help? Reach out for a referral to a design professional! ⁣

📲 (707) 601-4558 ⁣
📧 [email protected]

Did you know that a high debt-to-income (DTI) ratio is the  #1 reason mortgage applications get rejected? 🤯 ⁣ ⁣Your DTI ...
09/05/2024

Did you know that a high debt-to-income (DTI) ratio is the #1 reason mortgage applications get rejected? 🤯 ⁣

Your DTI ratio is the percentage of your gross monthly income that goes toward debt payments, including your mortgage. ⁣

Lenders use DTI to assess your ability to afford a home. So, how can you avoid rejection and qualify for better rates? ⁣

✅ Aim for a DTI ratio of 36% or lower to qualify for the best rates. ⁣

✅ Pay down credit cards, auto loans, student loans, and other debt. ⁣

✅ Increase your income to offset your debts and lower your ratio. ⁣

Ready to learn more? Check out our latest blog post to get more tips for taking out a mortgage. ⁣

🔗 https://michellebones.myagent.site/top-4-factors-to-consider-when-choosing-your-mortgage/

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...
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: ⁣

💡 Are all items included in the sale (e.g. light fixtures and appliances) in place and operational? ⁣

🚿 Are all major systems working properly? ⁣

⚒️ Have all requested repairs been completed? ⁣

🗑️ Has the seller removed all personal items and debris? ⁣

🚪 Was any significant damage done during the seller’s move out? ⁣

Want more expert guidance on the homebuying process? Reach out for a free consultation. ⁣

📲 (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. ⁣

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. ⁣

🔗 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. ⁣

If any of these resonate with you, reach out for a free consultation! ⁣

📲 (707) 601-4558 ⁣
📧 [email protected]

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Eureka, CA
95503

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