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Credit & Home Finance

Credit & Home Finance SMARTmoves | February 2021 | www.carlosfcamargo.net SMARTmoves | February 2021 | www.carlosfcamargo.net + 2021 Design Trends to Fall in Love With + Homeowner Tip: Tile and Grout Maintenance + The Business of Love: Valentine’s Day by the Numbers + Home Buyer’s Purchasing Power (Low Rates Fuel Demand) + Celebrate Cherry Month with a Simple No-bake Cherry Cheesecake
Buying a House THINGS TO CONSIDER WHEN BUYING A HOME | Winter 2021 The housing market recovery has been nothing short of remarkable. Many experts agree the turnaround from the nation’s economic pause is playing out extremely well for real estate, so it’s framing up to be an ideal time to buy a home for those who are ready to make a purchase. Here’s a dive into some […]
Buying a House THINGS TO CONSIDER WHEN BUYING A HOME IN SUMMER 2020 | carlosfcamargo.net THINGS TO CONSIDER WHEN BUYING A HOME IN THE EAST BAY DURING SUMMER 2020 | carlosfcamargo.net For most families, choosing a new home is the biggest financial decision they will ever make. There are many complicated decisions involved in choosing your new home. To protect your interests & assure that you make the best possible […]
Buying a House Your home loan toolkit: a step-by-step guide | carlosfcamargo.net YOUR HOME LOAN TOOLKIT | carlosfcamargo.net | CFPB With interest rates hovering at near historic lows, now is a great time to look back at where they’ve been, and how much they’ve changed over time. According to Freddie Mac, mortgage interest rates are currently hovering near a five-decade low. The impact your interest rate has […]
Credit & Home Finance CA Monthly R.E. Statistical Update (May 2020) | carlosfcamargo.net CA Monthly R.E. Statistical Update (May 2020) | carlosfcamargo.net Home prices, savings and bankruptcies in a pandemic + Home prices are propped up by low interest rates, for now; + Saving opportunities narrow in California; + Personal bankruptcies set to rise Inspiring, Educating & Empowering Clients when Buying or Selling a Home! #NoPlaceLikeHome_EastBay 📭 Carlos.Camargo@BHGhome.com | ☎️ (510) […]
Buying a House What You Can Do to Keep Your Dream of Homeownership Moving Forward What You Can Do to Keep Your Dream of Homeownership Moving Forward  Don’t put your homeownership plans on hold just because you’re stuck inside. There are several things you can do right now to keep your home search moving forward. Connect with a REALTOR®, like myself, to learn about resource programs for things like down […]
Credit & Home Finance Protect Your Investment: A Guide for At-Risk Homeowners Protect Your Investment: A Guide for At-Risk Homeowners Resource for At-Risk Homeowners struggling to pay their mortgage due to COVID-19. It covers working with trusted professionals like REALTORS®, info about payment options offered by lenders, and tips for avoiding scams.   #StayHomeSaveLives – Inspiring, Educating & Empowering Clients when Buying or Selling a Home! #NoPlaceLikeHome_EastBay 📭Carlos.Camargo@BHGhome.com ☎️ […]
Buying a House H o u s i n g P e r s p e c t i v e | January 2020 Housing Market Outlook – Slight Improvement in 2020 Despite having a double-digit decline in the first half of the year, California home sales only dipped slightly in 2019 as low interest rates boosted the market in the last six months of the year. With the average 30-year fixed-rate mortgage (FRM) dipping more than 100 basis […]
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Buying a House Guide to Buying a Home | Things to Consider – Winter 2020 4 Reasons to Buy a Home This Winter  Here are four great reasons to consider buying a home now instead of waiting. Prices Will Continue to Rise Mortgage Interest Rates Are Forecasted to Remain Low Either Way, You Are Paying a Mortgage Waiting May Increase Your Long-Term Costs Buying a home sooner rather than later […]
Credit & Home Finance NAR Real Estate Forecast Summit: 2020 Consensus Forecast 2020 Consensus Economic & Real Estate Forecast Fourteen economic and housing market experts were asked to give their housing market forecast for 2020 and 2021. These economists predicted a 29% probability of a recession in 2020 with forecasted Gross Domestic Product growth of 2.0% in 2020 and 1.9% in 2021. The group expects an annual […]
Credit & Home Finance DISPELLING REFINANCING MYTHS: Reasons to Refinance your Mortgage “Refinancing” is a scary word for many people, but that shouldn’t be the case for you. For many homeowners, refinancing can not only lower your monthly payments and help with your monthly budget, but it can save you thousands of dollars in the long run. YOU’RE NOT TOO LATE. For years now, we’ve been hearing […]
Buying a House HOUSING PRICE-TO-INCOME RATIOS HOUSING PRICE-TO-INCOME RATIOS The Housing Price-to-Income Ratio is an interesting and important measurement of housing valuation and affordability. When purchasing an asset – whether it is a company through an acquisition or a home, there are two primary decisions to be made: Investment Decision: What is the value of this asset that is being purchased? […]
Buying a House REAL ESTATE ADVISOR: SEPTEMBER 2019 –  Down payment got you down? Down payment got you down? Ten things to know before buying a home • LOOKING TO BUY OR SELL A HOME IN THE EAST BAY? I can help! Visit ===> www.carlosfcamargo.net 
Buying a House First Time Home Buyer? 10 Facts No One Tells You First Time Home Buyer? Ten Facts No One Tells You Buying your first home can feel like both the best of times and the worst of times. Here are 10 facts nobody tells you when you’re buying your first home. 1. Something will go wrong No move is ever perfect. Something will get broken or there […]
Buying a House 1st Half of 2019 – California Housing Affordability 2019-Q2 CA Housing Affordability – https://lnkd.in/eE2k2_J The percentage of home buyers who could afford to purchase a median-priced, existing single-family home in California in second-quarter 2019 dipped to 30% from 32% in the first quarter of 2019 but was up from 26% in the second quarter a year ago, according to C.A.R.’s Traditional Housing Affordability Index […]
Buying a House Thinking About Buying Your First Home? Thinking About Buying Your First Home? Buying your first home can be intimidating, so take some proactive steps to make the process more manageable A house could be the biggest purchase you will ever make, and the process of shopping for a home and obtaining a mortgage can be overwhelming. However, there are steps you […]
Buying a House NEED-TO-KNOWS ABOUT REAL ESTATE CONTINGENCIES   You’ve found a house you’d like to purchase, and you’re ready to make an offer. It’s time to take a closer look at the purchase contract—perhaps the most important legal document for real estate transactions—and decide how you want to modify its terms, including adding various contingencies.   Contingencies? Yes, it’s an uncommon word. […]
Buying a House Bay Area Real Estate Market Turning to Buyers – www.carlosfcamargo.net Market Turning to Buyers – www.carlosfcamargo.net The market is transitioning towards buyers. After peaking in April, the real estate market in Alameda County has been on a steady down trend.   The sales price to list price ratio, or what buyers paid divided by what sellers were asking, was at 111.2% in April. As you […]
Buying a House Buying a home? The first step is to check your credit. Buying a home? The first step is to check your credit. Research shows that people who plan carefully for big purchases, like owning a home, are less likely to run into financial trouble later. So if you are thinking about buying a home this year, let’s make a plan. The first step: Check your credit. […]
Buying a House Choosing the Right Lender: Questions to Ask Before Applying for a Mortgage 5 Essential Questions to Ask Your Mortgage Lender Let’s face it, it’s much more fun to search for homes online and attend open houses than it is to research your home loan. After all, what’s not to like about house hunting—you get to see beautiful homes and imagine yourself living in them. As exciting as […]