South County Living with Andrea Ventura

07/14/2022

05/13/2021

Buying a home is exciting, but the financial side of things can often feel you leaving a little overwhelmed. ⁣
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Side note: Am I the only one who wishes they taught us this stuff in school!?⠀⁣
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The good news is once you learn the lingo, nail down a budget, and have your down payment secured, you'll be more than ready and able to choose which loan option works best for you. ⠀⁣
Here are 5 types of mortgage loans for homebuyers:⠀⁣
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1. Conventional mortgage: Loans backed by private lenders rather than the government. You can even put down as little as 3%! This is a great option if you have a solid credit score. ⠀⠀⁣
2. Adjustable-rate mortgage: Loans with low initial interest rates that mean big savings early on BUT will rise at some point in the future. ⠀⠀⁣
3. Fixed-rate mortgages: Loans with predictable payments month after month, year after year.⠀⁣
4. Government-insured mortgages: FHA loans, USDA loans, and VA loans, oh my! These government-insured options make homeownership more accessible if you have less liquid cash or less-than-stellar credit.⠀⁣
5. Jumbo mortgages: Common in high-cost areas, these loans allow homeowners to borrow more money in expensive zip codes.⠀⁣
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Do your research and bring questions to your loan officer or real estate agent. If you need guidance or suggestions of awesome loan officers in your area, let me know! I'd love to help.
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📲 949.836.6507
👩🏽‍💻 [email protected]
Exp Realty
DRE # 02045100

04/30/2021

Happy Friday 🌞

04/22/2021

Your Weekly Market Update for Orange County 🍊

*video was cut off, summary of the ending is below 👇🏽

Note to sellers: It’s a great to get ahead & accurately price a home right out the starting gates. Overpricing a home is not the strategy. You want to be able to expose your property to as many potential buyers as possible. Accurately pricing permits you (seller) to obtain as many offers as possible.

To my buyers: Home values are rapidly appreciating & mortgage rates are set to increase. Higher rates & higher values equate to a larger monthly payment.

Questions? Slide in the DMs. 🤓

📲 949.836.6507
👩🏽‍💻 [email protected]
Exp Realty
DRE # 02045100

03/08/2021

Happy Monday ✨

03/07/2021

Growing & Glowing ✨ @ Wilson Creek Winery

03/04/2021

Secret #3 in my 5 Secrets of a Successful Sale. A quick look back at the past two secrets:⁣
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Secret #1: It’s your kitchen that’ll sell your home.⁣
Secret #2: Declutter, depersonalize, and stage your home. ⁣
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and now....
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Secret #3: DON’T go overboard on upgrades.⁣
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It’s a mistake I’ve seen too many times. ⁣(ask me about a past story 😣)
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In an effort to get top dollar for their home, well intentioned sellers take on major renovations without consulting a realtor first. Misinformed and assuming they’ll get every dollar back (and then some!), they go overboard on upgrades only to be disappointed at the closing table.⁣
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And while there are upgrades worth doing prior to selling, they’re often quick fixes, not major renovations. ⁣
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If you’re thinking about selling soon, reach out to a realtor who knows your neighborhood and can give you data on the upgrades that matter most to buyers in your area. ⁣
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Not thinking about selling, but know someone who is? Pass this along and save them from the stress, headache, and expense of unnecessary upgrades!
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📲 949.836.6507
👩🏽‍💻 [email protected]
DRE # 02045100

02/11/2021

Your Weekly Market Update for Orange County 🍊

02/10/2021

YES ✨✨✨

02/05/2021

This weeks question: Should you make repairs to your home before you sell? ⁣
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A stat: According to the NAR (National Association of Realtors), around 37% of contracts fall through because of repair issues sellers could have addressed before listing their property. ⁣
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This alone shows that while your home doesn’t have to be perfectly flawless, you should invest time and money to get it in working order. Here are a few must-fix items. (And trust me, if you don’t fix these now, you’ll most likely be doing it later, promise!):⁣
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• Faulty wiring
• Grading and drainage issues⁣
• Roof leaks and shingle problems⁣
• Foundation issues⁣
• Heating and air-conditioning problems⁣
• Plumbing and septic issues⁣
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When in doubt, ask an agent what to address before listing. Chances are you’ll recoup some or all of the cost you put in when you sell.⁣
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Thinking about listing your home? I’d love to listen to your plans for selling and offer my input -- no strings attached -- send me a message! 😊️
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📲 949.836.6507
👩🏽‍💻 [email protected]
Coldwell Banker
DRE # 02045100

02/05/2021

It’s a great day to have a great day!
What are your plans this weekend? 🌞

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