chrisdevia

03/12/2021

I get this question a lot " what is the first step in buying home?" Well, let me tell you! Here is how to get ready to buy a house in California.
1. Show two years of stable work history. The lender is going to want to see that you have had a minimum of two years of work history within the same line of work. If you are thinking of switching companies in the near future that is fine, just make sure it is within the same line of work.
2. Clear up/ payoff as much debt as you can. This goes for credit cards, car loans, and any other debt you may have. BONUS: DON'T CO-SIGN FOR ANYONE ON A CAR IF YOU WANT TO BUY A HOME
3. Save as much money as you can to cover your downpayment and closing costs. There are first time home-buyer programs, however having 20% or more saved up for a home will help you in the long run.
Hope this post help! Share this with someone thinking of buying to place them on the right path!

02/10/2021

Hello everyone! My last post on "tips to improve your credit" received a lot of positive feed back. I will be posting plenty of "Tips" for anyone thinking of buying and selling, so here is another one!

Below are Items that kill your mortgage loan qualification:

1. Car Loans, any car loan that appears under your name. Meaning if you co-signed for anyone or have multiple cars will hinder your mortgage loan qualification. If you are thinking of purchasing a car please wait AFTER we have closed escrow. Then go buy your Ferrari!
2. CREDIT CARDS, any balances that you may have on your credit cards. That's why it is always good to use only what you know you can pay back. DON'T MAX OUT YOUR CARDS
3. Student Loans, even though they are being deferred right now the lender will typically consider 1% of your total amount towards your monthly payment
4. Any mortgages that you have, or cosigned on.
5. Payments to the IRS
6. Paying child support.

02/02/2021

Thinking about buying a home in CA? Want to increase your credit score? Here are some tip!

1. Pay off your credit cards
2. Once paid off, try and get an increase on your credit limit
3. Use less than 10% of your credit available. This will let you make 2 payment a month which will boost your credit.
4. You can look into getting added as an authorized user to a family member or friend that has good credit. This will not impact their credit but it will raise yours.
5. If you can't pay off all your credit cards. PLEASE PAY THEM ON TIME. This may be a no brainer, however you would be surprised as to how many clients I have seen that have late payments.

Think of someone that may need help boosting their credit score? Send this to them, I will be posting more tips to get ready for home-ownership on here!

01/24/2021

Below you guys will find an info-graph regarding sales and price of December in 2020.Sales have been strong despite a rough 2020, and if you are interested wha the median price in CA is, click the below!
Let me know what you think.

Realtor® Secure Transaction is your place to discover, access and master the essential tools for a modern, efficient and secure transaction.

01/22/2021

Hey guys! First off, sorry for not being as active on this platform I am usually really active on my instagram. If you would like to follow me there my handle is @ chrisdevia. However, I will become more active on here since some prefer this means of social media.
Now to the point at hand and my main reason as to why I am here. Effective January 19, 2021, the Federal Housing Administration (FHA) is permitting individuals classified under the “Deferred Action for Childhood Arrivals” program (DACA) with the U.S. Citizenship & Immigration Service (USCIS) and are legally permitted to work in the U.S. are eligible to apply for mortgages backed by the FHA. This means DACA recipients can purchase a home with 3.5% down payment!
If you have any questions regarding whether or not this may be a fit for you please feel free to contact me. Hope everyone has an amazing and safe weekend.

09/30/2020

Check out this beautiful home in one of the most desired locations in Santa Ana!
4 bed, 2.5 bath, pool in the back, in the heart of Floral Park!
If you have any questions regarding this property please feel free to contact me.

Photos and Property Details for 928 W 20TH STREET, SANTA ANA, CA 92706. Get complete property information, maps, street view, schools, walk score and more. Request additional information, schedule a showing, save to your property organizer.

09/21/2020

Hey guys, hope everyone is having a productive and successful day. Many of you have been asking about my website and when it will be available. Well, I’m happy to announce that my website is now LIVE! Please visit it by clicking the link below 👇🏾

Let me know what you guys think and how I can improve on the website! I’ve worked really hard to make it as user friendly as possible. Thanks again for the support! Please SHARE with all your friends and family. Thanks again!

Mission Capital Inc. agents are highly trained professionals who realize the necessity of keeping themselves informed of all the latest changes in the highly complex real estate field in Santa Ana and the surrounding areas. You will find a wealth of useful Real Estate information for home buyers and...

07/10/2020

I’m here to help. Please feel free to message me with whatever questions you may have related to today’s market. Be safe, stay healthy, be happy!

07/09/2020

Let me help you make that decision.

National Housing Survey is a monthly poll about owning and renting a home, home and rental price changes, the economy, household finances, and overall consumer confidence.

06/30/2020

“While it’s not likely lenders will approve a mortgage for a home purchase while you’re unemployed, there are a number of things you can do during unemployment so that it doesn't derail your hopes to buy a home.“

Unemployment has hit record highs, as COVID-19 has caused millions to lose their jobs. Here's how filing for unemployment could affect home buying.

06/19/2020

“Coronavirus cases may be on the rise in some parts of the country, but that hasn’t stopped Americans from looking for homes to buy. And increasingly, those homes are in the suburbs.“

Comment down below where you’d like to move 👀 👇🏾

The number of Americans applying for home mortgages has hit an 11-year high.