Ray Fernandez - Guaranteed Rate

04/24/2023

5 likes, 0 comments - Rᴀʏ Fᴇʀɴᴀɴᴅᴇᴢ () on Instagram: "Are you tired of feeling pressured to buy a home based on the current interest rates? It's time t..."

04/19/2023

If you're waiting for home prices to drop and interest rates to decrease, you may not have to wait much longer. Instead of waiting for the perfect time, take action and start working towards your homeownership goals. With the right mindset and preparation, you can make the dream of homeownership a reality.

The largest declines in home values are forecast in expensive California metros.

03/28/2023

Are you a first-time home buyer feeling overwhelmed by the home buying process? Don't worry, we've got you covered! Our latest article provides valuable tips, programs, and financing options to help you make informed decisions and achieve your dream of homeownership. From assessing your finances to closing the deal, we cover everything you need to know to make your home-buying journey a success.

Feeling excited and a little nervous about the prospect of owning your first home is completely normal. We know how important this step is for you and your family, which is why we've put together this comprehensive guide to make sure you're fully prepared. Whether you're unsure about the financing options available to you or you're not sure where to start your property search, our article has all the information you need.

So why not check it out now and take the first step toward making your homeownership dream a reality? And be sure to follow us for more helpful resources and future first-time home buyer seminars. We can't wait to be a part of your journey!

03/22/2023

Attention Veterans: Stop Renting and Start Owning with VA Loans - Don't Miss Our Latest Blog!

The VA (Department of Veterans Affairs) loan is a mortgage program that provides benefits to eligible veterans and their families. The VA loan program was established in 1944, and since then, it has helped millions of veterans achieve homeownership. In this post, we will discuss the benefits of the....

09/01/2022

Mortgage lenders consider your entire financial situation when applying for a loan but your FICO score can take center stage. Your credit scores indicate to lenders how likely you are to repay what you borrow. If you have a bad credit score or, even worse, no credit history at all, it will be very difficult to qualify for a mortgage.

https://www.dezlending.com/credit-repair

Here is some useful information on establishing and maintaining good credit scores:

Pay your bills on time, especially mortgage or rent payments. Apart from extreme circumstances like bankruptcy or tax liens, nothing has as much of an impact on your credit as a history of late payments.

Don't max out available credit on credit card accounts. This indicates you're having problems managing your finances.

Don't apply for too much credit in a short amount of time. Multiple requests for your credit history (not including requests you make to check your own status) can have a negative impact on your score.

Reduce the amount of debt you owe. On credit cards, keep your credit balance below 50% of the available credit amount to maintain your credit score, or below 30% of the available limit to improve your credit score.

Periodically check your credit history for errors. If you would like a free copy of your credit report, please contact me.

08/05/2022

Has anyone asked you detailed questions about where you want to live and why? If you've been exploring the idea of owning a home and haven't gotten a thorough analysis of what you want compared with what you can afford and what your long-term plans are, let's do it!

It doesn't take long and you don't have to commit to anything. A lot of people find this informative and helpful. Let's talk!