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Yvette Cordova, Central Valley's Realtor

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United States
Fresno, CA
Yvette Cordova, Central Valley's Realtor

I'm 100% committed to client satisfaction. Whether is buying or selling property in California. https://instagram.com/yvetteakatherealtor?igshid=xdtr2y89m8pp

01/23/2024

January is a great time to buy a home for several reasons.

01 – The real estate market is often less crowded. Many people are recovering from holiday expenses and there tends to be a lower number of active buyers.

02 – Some homeowners may be motivated to sell in January, providing an opportunity for buyers.

03 – Buying a home in January allows you to take advantage of potential tax benefits for the current year.

While January can present opportunities, market conditions can vary, and it’s crucial to make decisions based on careful consideration of your own needs and circumstances.

If you are considering a move, please message me today! I’d love to walk you through the process and find the best home for you. 📲

Yvette Cordova
559-202-3955

01/13/2024

The amount of money you need for a down payment on a home can vary based on several factors but here are some general guidelines:

→ Conventional Loans: 5% – 20% down

→ FHA Loans: 3.5% down

→ VA Loans: 0 down

→ USDA Loans: 0 down

💰 It’s important to note that a higher down payment can have advantages, such as potentially securing a lower interest rate and reducing the overall cost of the loan.

However, many people find it challenging to save a large sum for a down payment, especially in high-cost housing markets.

👉 Before starting the homebuying process, it’s recommended to consult with a mortgage advisor or lender to understand the specific down payment requirements for the type of loan you’re considering.

If you need lender recommendations, message me today and I’ll send you some!

You may be closer than you think to owning a home 🏡

Yvette Cordova
559-202-3955

# #

01/10/2024

Sellers – This is important‼️

When selling your home, remember these friendly tips for anticipating seller closing costs:

01 – Real Estate Agent Commission: This is typically a percentage of the sale price.

02 – Title Insurance: Budget for the cost of the owner’s title insurance policy.

03 – Transfer Taxes: Check if you’re responsible for any transfer taxes, they vary by location.

04 – Closing Attorney or Escrow Fees: Account for the fees of the closing attorney or escrow company.

05 – Prorated Taxes and Utilities: Be ready to reimburse the buyer for pre-paid property taxes and utilities.

06 – Home Warranty: If you’re offering a home warranty, include that in your budget.

07 – Home Repairs or Credits: Budget for any negotiated repairs or credits based on the home inspection.

08 – Mortgage Payoff: If you have a mortgage, plan for the payoff amount and any associated fees.

09 – HOA Fees: If applicable, cover HOA fees or transfer costs.

10 – Notary and Courier Fees: Set aside a little for notary services and courier fees if needed.

Working closely with your agent and understanding these costs upfront will make your closing day a breeze! 🔑

Yvette Cordova
559-202-3955

01/08/2024

Do you know what your home is 𝒂𝒄𝒕𝒖𝒂𝒍𝒍𝒚 worth in 2024?

If you’re ready to find out, comment “VALUE” below and I’ll send you a free home value report!

Yvette Cordova
559-202-3955
Tagoya Real Estate

01/01/2024

Happy New Year's to you all .We wish you many blessings in the upcoming year!🙏🏼💫🤍

❤️ Cordova

12/25/2023

May this festive season bring you and your loved ones an abundance of happiness, cherished moments, and the comforting embrace of home. 🏠❤️
From my family to yours, have a truly magical and Merry Christmas! 🎉🌠🔑

Yvette Cordova

🏡🌟🎅🎄

12/20/2023

'Tis the season for making wishes and embracing the warmth of home. As we gather with loved ones, let's also gather our dreams and desires for that perfect holiday dream home. What's on your real estate wishlist this season? 💭🗝️
🎁 Cozy Fireplace: A warm and inviting fireplace to gather around, where holiday stories come to life, and memories are made.
🌳 Scenic Views: A picturesque view that captures the magic of every season, from the first snowfall to the vibrant colors of fall.
🪴 Beautiful Garden: A garden that blooms with seasonal flowers and offers a tranquil escape for relaxation and outdoor celebrations.
👑 Gourmet Kitchen: A chef's dream kitchen, where you can whip up holiday feasts and create culinary masterpieces.
🛁 Luxurious Bath: A spa-like bathroom to unwind and refresh, featuring a soaking tub or a rainfall shower.
🏢 Spacious Home Office: A dedicated home office space, ensuring productivity and comfort for remote work or creative projects.
🏊 Pool & Outdoor Space: A private pool and outdoor area for summer gatherings, BBQs, and endless fun in the sun.
🧡 Community Connection: A neighborhood filled with friendly faces and a strong sense of community.
🛋️ Comfy Living Spaces: Open and comfortable living areas where friends and family can gather for laughter and bonding.
🌅 Natural Light: Abundant natural light that floods every room, creating a warm and inviting atmosphere.
This season, your real estate wishlist is filled with dreams that can transform your holiday season into something truly magical. As your dedicated real estate agent, I'm here to help turn those wishes into reality. Whether it's a cozy cottage, a modern masterpiece, or anything in between, I'm ready to make your real estate dreams come true. 🗝️🎅🏡
Let's connect and discuss your holiday dream home desires. Together, we'll embark on a journey to find the perfect property that embodies the spirit of the season. Happy holidays and may your real estate dreams be merry and bright! 🌲🏠❤️

Yvette Cordova
559-202-3955

estate agentMagic 🌟🎁🏡

12/19/2023

❄️ Baby, it's chilly out there! Gear up for winter with these 7 home prep tips to keep your space cozy and worry-free:
❄️Warm vibes start with a working furnace. Check yours to ensure it's in top-notch shape for the frosty days ahead.

❄️Clean those gutters! Prevent icy build-ups that could spell trouble for your roof. Let it rain, but not indoors!

❄️Outdoor furniture deserves a winter break too. Bring it inside, so your chairs and tables can hibernate until spring.

❄️Seal the cracks! Keep the cold at bay by caulking up any gaps around windows or doors.

❄️Chimney check! If you've got one, inspect and clean it. No chimney? Call in the pros for a thorough once-over to keep things safe and cozy.

❄️Faucet freeze? Turn off outdoor taps or ensure they're empty to dodge burst pipes and unwanted surprises come thaw time.

❄️Sump pump savvy. Test and clear out any debris to avoid potential floods. A little TLC now prevents big headaches later!
Bookmark this checklist for when you're ready to tackle winter like a pro! ❄️🏠

Yvette Cordova
559-202-3955

12/06/2023

Let's end this year with a bang Still thinking of
buying or selling? Not sure? Let me help you with that🏡

Yvette Cordova
559-202-3955

12/05/2023

'Tis the season to unwrap the magic of your dream home amidst the holiday cheer! 🎄 Join me in the festive journey of discovering what to look for during showings:
🎁 Seasonal Appeal: Homes decked out for the holidays can unveil their year-round charm.
💡 Lighting Matters: Assess the interplay of natural and artificial lighting for the perfect ambiance.
🔥 Heating and Insulation: Check for warmth, insulation, and energy efficiency.
🌲 Outdoor Spaces: Picture festive gatherings in the enchanting outdoor areas.
🎁 Storage Space: Ensure there's ample room for holiday decorations and all those delightful gifts.
🏡 Neighborhood Vibe: Feel the festive atmosphere and community spirit.
🚗 Parking and Accessibility: Evaluate parking options and guest accessibility.
🎉 Entertaining Spaces: Imagine the layout's potential for hosting unforgettable holiday gatherings.
🚨 Safety Features: Verify the presence of smoke detectors and essential safety measures.
❤️ The Feeling of "Home": Trust your instincts to find that warm, welcoming feeling.
Whether you're a first-time buyer or on the hunt for a new holiday haven, let's turn your real estate dreams into reality this season. 🏡🎁❄️

Yvette Cordova
559-202-3955

#

11/27/2023

When preparing to buy a home, saving for the down payment is a priority, but it's equally crucial to make wise financial choices. Here's a concise guide on what to avoid: 💰🚫
Major Purchases: Delay buying a new car, luxury items, or extravagant vacations. More debt can impact your mortgage qualification. 🚗👜🏝️
New Credit Lines: Opening new credit cards or lines affects your credit negatively. Maintain existing accounts with responsible use. 💳📉🔒
Large Cash Transactions: Keep financial transactions transparent. Unexplained cash deposits raise concerns during mortgage applications. 💵🔍📤
Moving Money Around: Maintain stable bank accounts to avoid confusion during financial history verification. 🏦📥📤
Late Payments: Ensure timely bill payments to protect your credit score and mortgage eligibility. ⏰💳📅
Skipping Bills: Missing payments severely affects credit and mortgage eligibility. 🚫💸📉
Draining Savings: Keep savings for post-purchase expenses, not just the down payment and closing costs. 💼💲💰
Co-signing: Avoid co-signing for others as it can affect your debt obligations and mortgage approval. 📝🤝📉
Your financial habits before home purchase are closely examined. Maintain stability, avoid major financial changes, and consult a mortgage professional for guidance. With the right strategy, you can confidently achieve homeownership. 🌟🔑

Yvette Cordova
559-202-3955

🏡📈💡

11/01/2023

Steps to Home buying🏡

Buying a home is one of the biggest financial decisions you'll ever make, but it doesn't have to be overwhelming. By following these steps, you can make the homebuying process as smooth and stress-free as possible:

1.Get pre-approved for a mortgage. This will give you an idea of how much you can afford to spend on a home and will make the offer process go more smoothly.

2.Find a real estate agent. A good real estate agent can help you find the perfect home for your needs and budget, and can also guide you through the negotiation and closing process.

3.Start shopping! Once you have a pre-approval letter and a real estate agent, you can start looking for your dream home. Be sure to visit multiple properties and compare prices before making an offer.

4.Make an offer. Once you've found the perfect home, it's time to make an offer. Your real estate agent can help you determine a fair and competitive price.

5.Get a home inspection. Once your offer is accepted, it's important to get a home inspection. This will identify any potential repairs or problems with the property.

6.Close on your new home! Once the home inspection is complete and any necessary repairs have been made, you're ready to close on your new home. This is the final step in the homebuying process, and it's when you'll officially become a homeowner.🎉🎉🎉

*Tips for homebuyers:

Be prepared to act quickly. The housing market can be competitive, so it's important to be ready to act quickly when you find a home you love.
Don't be afraid to negotiate. The seller may be willing to negotiate on the price or other terms of the sale.
Once you've reached an agreement with the seller, be sure to get everything in writing. This will help to protect you in the event of any disputes.

🎉Congratulations on your decision to buy a home! Homeownership is a rewarding experience, and by following these steps, you can make the process as smooth and stress-free as possible.

Yvette Cordova,REALTOR🏡Tafoya Real Estate
📲559-202-3955
📩[email protected]

Address

Fresno, CA

Opening Hours

Monday	9am - 7pm
Tuesday	9am - 7pm
Wednesday	9am - 7pm
Thursday	9am - 7pm
Friday	9am - 7pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Website

http://yvettecordova1.tafoyarealestate.com/

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