Ana Realtor & MLO

08/05/2022

You don’t have to be a news hound to know about inflation these days. You may have also heard about the Federal Reserve aggressively raising its main borrower rate to help combat inflation.
As we previously noted, long term mortgage rates are not directly tied to the Fed rate. So while home loan rates have gone up from their historic lows of a year ago, this week rates actually dropped significantly for 30 year mortgages. According to Freddie Mac the 30-year rate fell considerably to 4.99% down from 5.3% last week.

The average long-term US mortgage rate fell below 5% for the first time in four months, days after the Federal Reserve jacked up its main borrowing rate in an aggressive effort to get inflation under control.

The 30-year rate tumbled to 4.99% from 5.3% last week, mortgage buyer Freddie Mac reported Thursday. A year ago, the rate was 2.77%.

Rates are definitely violatile as there are mixed signals on recession (and its potential depth) as Freddie Mac’s economist Sam Khater noted, “mortgage rates remained volatile due to the tug of war between inflationary pressures and a clear slowdown in economic growth, high uncertainty surrounding inflation and other factors will likely cause rates to remain variable, especially as the Federal Reserve attempts to navigate the current economic environment.”

Definitely check in with us about current rates and we can see what program best fits your needs, just schedule a consultation or fill out our qualify wizard on our website. APAMTG.COM

Ana Chan Guzman
NMLS 1906543
DRE 02073289

3109337724
[email protected]

08/01/2022

07/22/2022

CA has a $90B surplus, yet lawmakers propose increasing property taxes on LA and San Diego homeowners. We should be working to make homeownership LESS expensive for California families. . Vote NO on SB 1105 (Hueso) & SB 679 (Kamlager).

07/15/2022

Here is a top ten list of questions you should ask before buying a home
1. What is my budget? We mean total budget, not just the sales price. Remember to include property taxes, insurance, any HOA fees, renovations costs and ongoing maintenance.
2. Did I get preapproved? Most realtors want to see that your pre-approved (many won’t even talk to you until you are!). So get preapproved to show you mean business. And we can help! Contact me today for a preapproval letter! :)
3. Why is the seller moving? This can be useful in seeing how motivated the seller is and can help in negotiating the price.
4. What comes with the sale? Make sure you get in writing what is included in advanced – the washing machine, stove, blinds etc.
5. Is it in a flood or natural disaster area? Make sure you know if its in a FEMA flood zone or other disaster coverage you may need.
6. What is the going rate for houses in the neighborhood? Look at housing prices of other homes sold in the area to get a feel for prices
7. How long has the house been on the market? If its been sitting on the market for a while, that can strengthen your negotiating position
8. How about the neighbors? This is doubly important if you’re moving into an HOA, make sure you do your own intel on this. Talk to neighbors, drive around and see for yourself.
9. How’s the home’s health? Make sure you get a thorough inspection and have any issues with the house identified in advanced and also get a history of renovations.
10. How’s the neighborhood? Lastly make sure you check out the neighborhood too! Make sure to check the local schools, crime rates, what activities are available nearby and if you’re going to have a commute make sure you to check the drive time too!

I am here to answer any questions :)

3109337724
[email protected]
Check out our website: apamtg.com

NMLS 1906543
DRE 02073289

07/08/2022

Happy Friday 😇

Wanted to share this piece of information on what the market looks like in Gardena. If there is a particular city you would like to see feel free to give me a shout or check out our website. Link below.
Stay safe my friends. 🧡

3109337724
[email protected]

https://www.apa-homes.com/mimarket/zip/90247/

06/24/2022

There are a lot of benefits to being self-employed – you’re your own boss but when it comes to getting a mortgage secured, its a slightly different process than traditional mortgages. It often comes with additional requirements and red tape.
Here are some tips to help you get organized and approved if you’re self employed. Apply for a mortgage when your income is up (we know this is easier said than done) but lenders will look at your last two years income most closely, and if you’re income fluctuates its best to apply on an up year. This can help you qualify for a greater loan amount and lower interest rate. Get That DTI lower, your debt-to-income ratio is one of the key factors in getting approved. So you’ll want to try to pay down debts (both business and personal) as well as avoid opening new lines of credit a few months before applying. Don’t Mix Business and Personal Keep your business and personal finances separate. Have separate bank and credit card accounts for your business and personal use. This will help lenders easily see the business income and expenses as well as show you are running your business in a professional manner. Give us a call or contact us from our pre-qual app and we can see what product best fits your needs. You may be a candidate for QM (Qualified Mortgage) or non-QM lender, either way we can review and help you get started!

Ana Chan Guzman
DRE: 02073289
NMLS: 1906543
3109337724
[email protected]

06/01/2022

Conventional, FHA, VA, YOURgage®. How do you know which home loan is right for you? I am here to help you find the best mortgage option. Learn more today!

04/25/2022

Receive $3000 credits/cash-back towards closing costs when you work with me to buy/sell a home.

Call or txt me: +1 310-933-7724
Email me: [email protected]
Offer available if we start the journey in May.
My mother's day gift to you or your lovely wife

04/16/2022

Are you a first-time homebuyer needing a little help with your down payment or closing costs?

We have a program just for you, to meet those needs.
- Down payment or closing costs assistance
- Deferred payment junior loan
- Low interest rate

310.933.7724
DRE: 02073289
NMLS: 1906543

APA Bond, Inc, dba Homes & APA Mortgage is comprehensive Real Estate and mortgage brokerage founded on the commitment to the highest level of service to its clients.
Co. Dre 02667661
Co. NMLS 2286832
Ind. DRE 02073289
Ind. NMLS 1906543

04/13/2022

Buying a house? I can help ☺️