Adam Fraser

Adam Fraser A California native who has spent his professional life helping others achieve life goals from Health to Home. Marketing Makes the Difference.

Relationships Seal the Deal.

Weekly market reports for 🏡 homes in Orange County!As the FED adjusts their outlooks on inflation and rates we are start...
03/18/2024

Weekly market reports for 🏡 homes in Orange County!
As the FED adjusts their outlooks on inflation and rates we are starting to see increase in the market for homes available. Beautiful properties hitting the market!

DM me for more information or if you are looking to list or purchase!

Curious about your home value? Curious if improvements to your home will add value? Is a Cosmetic renovation, moderate r...
01/29/2024

Curious about your home value?
Curious if improvements to your home will add value?
Is a Cosmetic renovation, moderate renovation or full gut renovation worth it?

Dm me if you want a home evaluation!

Your debt to income ratio is key in a mortgage for home purchase and also in refinance of mortgagesCalculation of your D...
01/25/2024

Your debt to income ratio is key in a mortgage for home purchase and also in refinance of mortgages

Calculation of your Debt-to-income (DTI) will be one of the key factors in determining your interest rate. Also considered is credit score, loan amount, down payment, loan term, interest rate type (fixed or adjustable), and loan type.

The lower your debt to income is monthly the better rate that is available you will qualify for.

Different loans also have restrictions on what the DTI can be. Typical highest you can qualify for a mortgage will be 50% with a ver limited option and higher interest rate. This typical requires a proof of saving equal to 6 months worth of housing expenses.

Most conventional loans DTI can be no more that 45%

The lower you DTI you can establish while in the home buying process the better position you will be in for your mortgage rate.

Please DM me if you have any question or need a mortgage reference for pre-approval/pre-qualification.

Market reports for home prices and inventory for week of 1.13 - 1.19As the year has started we are seeing more inventory...
01/25/2024

Market reports for home prices and inventory for week of 1.13 - 1.19

As the year has started we are seeing more inventory in homes. A good response to potential rate decrease. Though as rates lower home prices are expected to raise. Also more people looking for homes. No time like the present if you are looking for a new home or to sell your home to start taking action!

Mortgage trends are hovering in the mid 6% range. With markets waiting for Fed decisions on cuts.As these rates decrease...
01/18/2024

Mortgage trends are hovering in the mid 6% range. With markets waiting for Fed decisions on cuts.

As these rates decrease the competition for homes will increase.

Purchasing now will give you a leg up to other buyers and availability to refinance later at a lower rate. when you refinance the equity in you home will have increased with market prices. The value increase in your home provides not only an increase in wealth but with refinance at potentially lower rates a decrease in expenses.

If you’ve been waiting to buy or sell the recent decline in mortgage rates may be your sign to move.

DM me if you have questions or if you are ready to move!

Mortgage rates lost some ground last week as markets started to doubt the fed will cut policy rate in the march Fed meet...
01/11/2024

Mortgage rates lost some ground last week as markets started to doubt the fed will cut policy rate in the march Fed meeting.
The mortgage industry predicts a 38% chance of rate cuts in May
And 78% chance of rate cuts in the June meeting.

When the rates are adjusted the market is expected to respond with an increase in activity in the market.

Economic data come at end of the week and will help set the direction of the mortgages rates in following weeks.

The rates do continue to reflect the belief that the Fed will need to cut rates 6 times in 2024.

For more information please DM me.

Wishing everyone and safe and spooky Halloween!
10/31/2023

Wishing everyone and safe and spooky Halloween!

Nothing is more special then true love from these special and amazing girls!
10/02/2023

Nothing is more special then true love from these special and amazing girls!

Had the pleasure of joining my friend Mary for a fund raising event for her non-profit S.A.F.E. - Special Advocate for e...
08/06/2023

Had the pleasure of joining my friend Mary for a fund raising event for her non-profit S.A.F.E. - Special Advocate for education.
S.A.F.E. Aims at helping “disabled” kids receive the same quality education as their peers in pursuit of a better future.

For more information about S.A.F.E. Please visit - https://getsafehelp.org/

Excited to read a fresh of the press release of mike shaprio’s new book! A great man and mentor! 📖 Read the Tape
07/28/2023

Excited to read a fresh of the press release of mike shaprio’s new book! A great man and mentor!

đź“– Read the Tape

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Orange County, CA

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