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With the economy the way it is right now, my most asked question is "Is now a good time to buy?" My answer? It is a great time to buy! In the Sacramento and Placer County areas the inventory is high, prices are low - even interest rates are low! If you are a first time home owner, an investor or, what we in the industry call a "move up buyer," now is the time!

Generally, for a personal residence, you need 3% down (in January it will be 3.5%) for FHA. If you want an investment home, you need to have 20% down - but 25% gets you a much better interest rate. With that being said, come on in and make yourself at home. Get to know me and I would appreciate a chance to get to know you.

 

Owning vs. Renting
If you're thinking of buying a home, you've probably already asked yourself, "Can I afford to buy?" another good question to ask is, "Can I afford to continue renting?"

Rental payments are gone once you make them. But with each mortgage payment, you are "buying" something tangible, building up equity. The longer you own your own home, the larger your equity.

There are, however, maintenance expenses and property taxes you will have as an owner, that were not your responsibility as a renter. (These were probably reflected in your rental costs, but not identified.) If you purchase a condominium, exterior maintenance is usually included in a monthly Homeowner's Association Fee, but you still have the responsibility of maintaining the interior.

A home is an investment that helps you keep up with inflation. Although not all homes appreciate at the same rate and some years are better than others, real estate has historically kept pace with and usually appreciated faster than the rate of inflation.

Keep in mind, too, that through the years, your income most likely will increase faster than any increase in your mortgage payment. Rent payments, on the other hand, tend to increase... right along with your paycheck.

 

You Can Make Home Ownership a Reality
Take a good look at your personal financial situation in comparison to housing price trends and mortgage plans available in the community yo'd like to live in. You will probably discover that you are closer to home ownership that you realized. And that, in fact, this is the time you've been waiting for.

Here you will find a wide variety of useful information and resources designed to help you buy or sell a home more effectively in the Sacrameto County and Placer County areas. From information on the local community, to advice about finding a mortgage or preparing your home to sell, it's all available here on my web site.

 

You can also search for your ideal home by viewing current listings with detailed descriptions and photos. Or you can get help determining the value of your home by requesting a report that includes the prices of similar homes that recently sold or are currently for sale in the Sacramento County and Placer County areas.

So whether you're buying or selling, feel free to contact me and I will be happy to help you with all your real estate needs.

 

 

Buyers

Whether you're looking for your first home, your dream home or an investment property, I'm committed to providing you with the highest quality buyer service. When making the type of investment that buying a home requires, you deserve to have all the latest market information and the very best advice, both of which I can provide you with. Read more.

Sellers

The decision to sell a home is often dependent on many factors. Whatever your reasons are for selling, my proven effective marketing strategies will ensure that you get the highest possible price for your home. I guarantee to provide you with professional, ethical and confidential service and keep you fully informed every step of the way. Read more.