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TIAGO LIMA, 4208 Phelan Road, Phelan, CA (2026)

05/17/2025

Welcome to Pinon Hills!!!
This property has an assumable loan with a 4.5% interest rate. Just under 2 acres, this lot is conveniently close to both Phelan road and Highway 138. This 1,229 sqft home is built with strong CMU block, and large wood timber and has much to offer. With 2 Bedrooms and 1 Bathroom on the main floor and a Kitchen that opens up to the living room - - perfect for entertaining or enjoying family gatherings. Additionally, the first ladder takes you to the loft/office space with a surplus of cubbie storage. The second ladder is on a track that provides access to the middle loft space (the owner has a gym in it) and also the bookshelf above the main bedroom. This property is also equipped with solar heaters that absorb heat from the sun and pump it via low-energy fans into the house. It works quite well to keep the home warmer year round. The shed is 24'x12' and perfect for storing all your tools. Outside the shed, there are two-220 Volt plugs. Seller currently uses one 220V outlet to charge their electric vehicle and the other one to power a RV. The playset is roughly one year old and is included with the sale. Additionally, a walking path around the property has been created, perfect for exercising or soaking up the natural beauty. Only 10 minutes away from a highly rated charter school, Heritage, and short distance to mountain town Wrightwood and Ski Resort. Don't miss this opportunity!!

03/02/2025

New listing in Lucerne Valley
6 bedrooms and 2 bathroom Manufactured Home with a detached car garage/ shop and 2.21 Acres of land.

PM for more info

01/04/2025

Today is our 11th anniversary.
It was January 4th, 2014 when I said yes to being married to this amazing, beautiful woman, mother of the most amazing daughters.
Cheers to us and for many more.
Love you Jessica Lima

12/23/2024

MERRY Christmas, Feliz Navidad, Feliz Natal .... Happy holidays from the Lima Family!!!!
May y'all get 1k gifts!!! LOL

08/08/2023

Looking into buying land but don't have enough money!???? PM for more info on this residential land LOAN.

08/01/2023

Does the thought of buying property in a high-interest-rate environment make you cringe? Here are a few reasons why people are still buying when interest rates are higher...

1) Life Milestones: Changes in your personal circumstances, such as getting married, having children, or changing jobs, can necessitate a move regardless of current interest rates. In these situations, the need for a suitable home takes precedence over the cost of borrowing.
2) Less Competition: Despite the larger monthly payments that come with high-interest rates, they also result in fewer people looking to buy. This reduction in competition can increase your chances of securing the property you desire, as there are fewer buyers in the market.
3) Negotiation Advantage: High rates often mean fewer buyers, which could make sellers more eager to negotiate on price or terms. As a buyer, this could work in your favor, making your desired property more affordable or the terms more appealing.
4) Hedging Against Inflation: Buying real estate can be a wise move to protect against inflation. When general prices increase, so does the value of properties. So, real estate can prove to be a smart long-term investment, even when interest rates are high.
5) Emphasis on Value Over Cost: For some, the value of owning a home and the lifestyle it provides outweigh the financial aspects. If you find the perfect home that fits your lifestyle and long-term goals, it may be worth buying even with high-interest rates.
6) Market Cycles: Experienced investors and homebuyers understand that markets go through cycles. Buying when interest rates are high (and potentially when property prices are lower due to fewer buyers) can position them for gains when the market changes and prices start to increase.

So, whether you're navigating a significant life mileston

07/25/2023

Ugh, slow markets... the bane of every real estate agent, buyer, and seller's existence.

The crawling pace and uncertainty can make us want to throw our hands up in frustration. But hey, let's not wallow in frustration! Slow markets may hold hidden gems and untapped potential if only we know how to navigate them with finesse.

Swipe for 3 tips on how to take advantage of a slow market: for agents, buyers, and sellers →

07/18/2023

What EXACTLY are buyers looking for in a home??

If you're planning to sell your home or curious about what buyers are seeking, you're in the right place. Let’s jump in!

Open Floor Plans: Create a spacious and welcoming atmosphere that allows for seamless flow between rooms, perfect for entertaining and family gatherings.

Updated Kitchens: The heart of the home, a modern kitchen with high-quality appliances, ample storage, and stylish finishes can be a major selling point.

Outdoor Living Spaces: Buyers desire a retreat where they can relax and enjoy the outdoors. Enhance your home's appeal with a well-designed patio, deck, or landscaped backyard.

Energy Efficiency: Sustainable features like energy-efficient windows, smart thermostats, and solar panels not only reduce utility costs but also attract environmentally conscious buyers.

Home Office or Flex Space: As remote and flex work continues to thrive, having a dedicated home office or flexible space for work, hobbies, or a playroom is highly desirable.

Understanding what buyers want can help you position your home for success in the market. If you're considering selling or have any questions, I'm here to help! Send me a message and let’s chat!

07/14/2023

Thanks to all my clients!!! Gracias a todos mis clientes!!!

07/13/2023

You've probably heard it said, 'Real estate is the safest investment in the world.' But when it comes to dipping your toes into the investment property pool for the first time, it can feel like anything but safe.

So, let's break this down:

1) Start With the End in Mind: It's important to clarify what you want out of this investment. Are you looking for monthly cash flow or a long-term appreciation plan? Or both? Different types of properties will fit different goals, so being clear on your 'why' is crucial.
2) Understand Your Budget: This goes beyond knowing how much you can afford to spend on an investment property. You also need to consider the ongoing costs of owning and managing it, including taxes, maintenance, insurance, and potential vacancies.
3) Choose Your Property Type: Whether it's a single-family home, a duplex, or a commercial property, your choice will heavily depend on your budget and your investment goals. Research the average costs, rental rates, and market trends for each type in your desired area.
4) Location, Location, Location: Remember, you're not just investing in a property, but also in a location. Look for areas with a strong rental market, promising future developments, and amenities that will attract tenants.
5) Build Your Team: Just like you wouldn't whip up a complex dish without the right kitchen tools, you shouldn't venture into real estate investment without the right team. This includes a trustworthy real estate agent, a reliable property manager, a knowledgeable lender, and an experienced lawyer.

There you have it—your recipe for success in your first real estate investment venture.

Questions about investing? Let's connect. My job is to take the guesswork out of this process for you.

07/11/2023

Ever wonder what makes lenders “say yes to the loan?”

THIS ---> Your credit score.

Like it or not, your interest rate and loan terms largely depend on the strength of your credit score. Wanna hear more? Here you go.

Credit Score Ranges
Scores range from 300 to 850. For a conventional home loan, a credit score of 620 or higher is a strong starting point. FHA and VA loans typically require a minimum of 580, while a USDA loan typically requires 640 or above.

The Power of a High Score
Scores above 700 are seen as a sign of financial responsibility and can secure the best rates and terms for your loan. Aim to elevate your score to unlock these benefits.

Understanding the Score
Your credit score is influenced by factors such as payment history, credit utilization, length of credit history, credit mix, and inquiries. By managing these aspects wisely, you can positively impact your score.

Your Credit Score...and Then Some
Lenders also consider other factors like steady income, employment history, and a modest debt-to-income ratio. Demonstrating financial stability is key to gaining their confidence and you feel satisfied with your shiny new loan.

Find this post helpful? Give it a like and share it with a friend who might benefit! And remember, I'm here to help. If you have any questions or want to chat more about loan qualifications, feel free to DM me.

TIAGO LIMA

05/17/2025

03/02/2025

01/04/2025

12/23/2024

08/08/2023

08/01/2023

07/25/2023

07/18/2023

07/14/2023

07/13/2023

07/11/2023

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