Julie Harms Realtor

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Sunday Afternoon

Landslide Halts Train Service Between San Diego And Orange Counties Passenger rail service between the Oceanside and Laguna Niguel/Mission Viejo stations is indefinitely suspended.

Every second counts in the housing market when there's so much demand for a relatively low supply of homes. DM me to learn more about how getting pre-approved before starting your home search will make you agile enough to sn**ch up your dream home before anyone else can.

If you’re waiting for the right time to list your home, this showing index stat shows that buyers are hitting the market hard! Now might be a better time to list, because there may be more homeowners wanting to list as more buyers enter the ring! If you’re ready to sell, lets talk!

Planning to buy a home?
If you’re planning to buy home in the near future, consider making the smart moves first for starters aim to get as high a credit score as you can, because lenders offer the best and lowest interest rates to those with high scores. Credit scores, generally range from 300 to 850 and mortgage lenders often require a score of 620 or more. To boost your score, You can pay bills on time, pay down debts, avoid applying for new cards and fix any errors in your credit reports. You can also get free copies of your credit reports via creditreport.com. Next research the many kinds of mortgages you might get. There are fixed rate ones and adjustable rate mortgages. Fixed rate loans are best when interest rates are low; ARMS can be smart if rates are high and expected to fall, or if they offer a low locked rate for as long as you plan to be in the home.
Mortgages are commonly for 15 or 30 years, but you might be able to snag a different term, such as 20 years. Longer terms mean lower monthly payments but you’ll pay , much more interest over the life of the loan. A good strategy is to get a 30 year loan with no penalties for pre-payments. That way you can pay more than your monthly obligation whenever possible shortening the life of the loan and reducing the total interest charged. Once you find a lender, offering you the best terms and start househunting, in Ernest get preapproved not just prequalified. Being prequalified generally means you told a lender some financial information and got an estimate of how much you can borrow. Getting preapproved means the lender has verified your finances and has made a conditional commitment to lend you a certain sum. You’ll be seen as a more credible potential buyer if you make an offer when you’re preapproved .
Ask me how to get started if you are considering buying
Julie Harms
Professional Realty Services
DRE #01990987

Annual Credit Report.com - Home Page ACR Home Page

Home Equity is such a great way to build wealth! Here’s a look at how much equity/wealth is built over 5,10, and 15 years when buying a home, and the numbers may be more surprising than you think! If you’re ready to start the journey to home ownership, lets talk!

https://www.homesnap.com/CA/San-Marcos/650-S-Rancho-Santa-fe-Road/property/342474?a=282286210

650 S Rancho Santa fe Road #290, San Marcos, CA 92078 - Homesnap 650 S Rancho Santa fe Road #290 is currently listed at $395,000 on Homesnap. View 24 photos of this 2 bed, 2 bath, 1440 Sq Ft property in San Marcos, CA.

Coco Palms developer given cease and desist by DLNR.
https://bit.ly/3USWbxw

Take advantage of today’s HOT market! Now is a great time to sell. There are many buyers for every seller. Inventory is low, sellers are getting top dollar.
Call or text
Julie Harms
Professional Realty

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7 Embarrassing Things Real Estate Agents Hate for You to See Plenty of people work around others all day long, but real estate agents are pretty much on stage all day, with clients watching and witnessing their every move. Inevitably, things happen that agents wish a client weren’t around to see! But if and when they do, it really helps when a client laughs...

https://client.marketing.imprev.net/i/203810/NDP2300677/7250/html/epostcard/OpenHouse/branded/index.html

650 S Rancho Santa Fe Road 263

Volkswagen Dressers - these are SO CUTE! 😍

made by 👉 https://www.instagram.com/mochiccreations/

Sea Stone art - so neat!
via: https://www.facebook.com/Beach4Art-110557484439335/