Idely Janet Molina - Loan Officer

🏠 Listing of the Week: 13389 Vaccaro St, Victorville, CA 92392

Immerse yourself in the comfort of this newer 4-bed, 2-bath home with nearly 2000 sq ft of living space! 🔥 Cozy up in the formal living room with a fireplace for those winter nights. The kitchen boasts granite counters and an open view.

💡 Recessed lights illuminate every corner. 🧺 Convenient laundry room included. All on one floor, no stairs to climb! 🚗 3-car garage and ample concrete for parking. ☕ Enjoy your morning brew on the charming front porch.

💰 Price: $420,00
🛏️ Bedrooms: 4
🛁 Bathrooms: 3
📐 Square Footage: 1,970 sqft

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🏠 Listing of the Week!! Step into luxury at 1130 E 37th Street! 🏡✨

🔎 This beautifully renovated 4-bed, 2-bath home above the 210 freeway in San Bernardino is a true oasis.

➡ With 1,408 sq ft of modernized living space, a chef's dream kitchen, and tasteful finishes throughout, it's not just a home – it's a lifestyle. 🍽️🛁 Enjoy spacious bedrooms, breathtaking mountain views, and a private sanctuary in the heart of the city.

🔍🏠 Want to see if you can get pre-approved? Send me message and I will let you know! ✉️

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Loan Fact of the Week: Did you know that you can purchase a house with a minimum FICO score of 580? 🏠

Contact: Idely Molina
Especialista En | Loan Officer | Mortgage Specialist
📲: 760.953.2943

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- loan officer, lender, mortgage advisor, prestamista, bienes raíces, high desert, mortgage specialist

🏠 Make your homeownership dreams come true with the 1% Down Program.

➡ This program makes home buying easy and affordable, allowing eligible buyers to pay as little as 1% down on their next home purchase. Don’t miss out on this opportunity to simplify your home buying journey!

1) 1% Down Payment Out of Pocket
2) Paired with a 2% Lender Paid Grant
3) No Mortage Insurance = Lower Monthly Payment
4) Loan Amount Cannot Exceed $350,000
5) Income Limit Restrictions

☎ Want to be pre-approved for a home? Send me message and we'll get you started!!

Contact: Idely Molina
Especialista En | Loan Officer | Mortgage Specialist
📲: 760.953.2943

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- loan officer, lender, mortgage advisor, prestamista, bienes raíces, high desert, mortgage specialist

🏡 New Listing Alert! 🏡

📍 Address: 25983 New Chicago Ave Hemet, CA 92544

🏠 This beautiful 3-bedroom, 2-bathroom home is ready for you to move in. It is located in a quiet and mature neighborhood on a large corner lot. The living room is spacious and bright, with a cozy fireplace and built-in shelves that add charm and functionality.

➡ The kitchen has been tastefully updated with quartz countertops and a breakfast bar. The backyard is perfect for hosting unforgettable gatherings under the covered patio or enjoying your peace and privacy.

➡ This home is perfect for first-time homebuyers, growing families, or anyone seeking a tranquil retreat. Don’t miss out on the chance to make this property yours! Schedule a private viewing today.

💰 Price: $460,000
🛏️ Bedrooms: 3
🛁 Bathrooms: 2
📐 Square Footage: 1,725 sqft

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loan officer, loan officer tips, mortgage tips, real estate inland empire, mortgage lender, mortgage loan officer, mortgage lender, real estate tips

NEW LISTING - 11680 Niagara Dr, Jurupa Valley, CA 91752

💳 Price: $1.1 million
📍 Location: Jurupa Valley, CA

🌟 Two homes on one lot – seize the opportunity! Let the second home be your mortgage offset. Explore the main house with its custom features, from the stunning kitchen to the upgraded master bathroom!!

🚘 Conveniently located near 15 and 60 freeways, this is a commuter's dream!

🔍🏠 I am a mortgage loan officer and I can get you pre-approved. Send me message and I will let you know! ✉️

Loan Facts: Did you know there is a loan program that will allow you to pay up to 1% out of pocket? 🏠

Curious on how to get 1% down? Send me a message and let's get started!

🏡 Listing Of The Week: Welcome to 26096 Avenida Hortensia, Hemet, CA 92544!

➡ Priced at $499,500, this two-story dream home on the east side of Hemet with 4 beds, 3 baths, and 1,976 sqft.

🌿 Enjoy the spacious living room, gourmet kitchen with granite countertops, and a dining room perfect for hosting. The master suite offers dual sinks, a soaking tub, and a large walk-in wardrobe. With a three-car garage and beautiful landscaping on a corner lot, this home is a unique opportunity you don't want to miss!

Are you looking for an afforable home? Worry you won't be able to qualify? Contact Idely Molina.

📲: 760.953.2943
Loan Officer | Mortgage Specialist
Especialista En (Hablo Espanol)

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- loan officer, lender, mortgage advisor, prestamista, bienes raíces, high desert, mortgage specialist

🏡 Listing Of The Week: Welcome to 26096 Avenida Hortensia, Hemet, CA 92544!

➡ Priced at $499,500, this two-story dream home on the east side of Hemet with 4 beds, 3 baths, and 1,976 sqft.

🌿 Enjoy the spacious living room, gourmet kitchen with granite countertops, and a dining room perfect for hosting. The master suite offers dual sinks, a soaking tub, and a large walk-in wardrobe. With a three-car garage and beautiful landscaping on a corner lot, this home is a unique opportunity you don't want to miss!

Are you looking for an afforable home? Worry you won't be able to qualify? Have a house budget of 350k? Contact Idely Molina. Best lender for over 10 years!

📲: 760.953.2943
Loan Officer | Mortgage Specialist
Especialista En (Hablo Espanol)

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- loan officer, lender, mortgage advisor, prestamista, bienes raíces, high desert, mortgage specialist

Welcome to your new dream home! 🏡 This picturesque 3-bedroom, 2-bathroom beauty is located north of the 210 freeway. Built in 1955, it exudes timeless charm and character. This can be your perfect starter home!!

➡ With a generous lot size of 7,176 sqft, you'll have ample space for all your outdoor aspirations. The backyard is a haven of tranquility, complete with a recently updated fence that not only ensures privacy but also adds a touch of elegance to your outdoor living space.

🔎 Convenience meets style with a 2-car garage that provides secure parking and storage space for your vehicles and belongings.

🏠 Don't miss out on the opportunity to make this house your forever home. Your dream home is just a call away! 💫

Idely Molina
Especialista En | Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER & LOAN OFFICER IN THE HIGH DESERT/INLAND EMPIRE 🌟

Loan Fact #4: Did you know you can tap into your homes equity with the HELOC program?

Let's Deep Dive: HELOC, short for Home Equity Line of Credit. Whether you're considering a home renovation, or other expenses - HELOC offers you the flexibility to access funds when you need them.

Here's what you need to know:
➡ Minimum Credit Score: 620
➡ Access in 5-10 Business Days
➡ Tap Into Your Home's Equity
➡ Fixed Rate with the Opportunity to Refinance When Rates Drop

Loan Fact #3: Sellers might not realize they also have closing costs, such as real estate agent fees and transfer taxes.

Lets Deep Dive ⬇️

🥸🏠 Real Estate Agent Fees: It's essential for sellers to discuss and clarify these fees with their real estate agent from the outset to avoid any surprises at closing.

➡🏠Transfer Taxes: Sellers should be aware of these taxes and understand their potential financial impact.

Understanding these costs is crucial for sellers to accurately calculate their net proceeds from the sale. So, whether you're a seasoned seller or new to the game, remember that knowledge is power, and being well-informed about the costs involved is the first step towards a smooth and successful sale. 💰

Loan Fact #1: Did you know that in today's market, sellers are often eager to lend a hand with closing costs? It's a game-changer for buyers.

🔎 For those who may not be familiar, closing costs typically include various fees like appraisal, title insurance, escrow, and more, which can add up to a substantial sum.

🥸 So, why are sellers doing this? They're making their homes more appealing to potential buyers, facilitating smoother transactions, and often expediting the selling process.

So, whether you're a first-time homebuyer or an experienced one, be sure to have a conversation with your real estate agent about the possibility of sellers contributing to your closing costs. It's a little-known secret in the world of home buying that could help you get the keys to your dream home sooner than you think. 🏡

Loan Fact #2: Did you know you can turn your real estate dreams into reality? You can own an apartment, like a fourplex, with just a 5% down payment! 🤩

Things to consider - New Conventional Guidelines:
➡️ Owner Occupied Only
➡️ 2-4 units
➡️ Full Income Documents
➡️ Self Employed OK

CAL FHA Dream For All Loan Program 2024 Updates. 🏡

Introducing the CAL FHA Dream For All Shared Appreciation Loan Program, designed to empower first-time homebuyers with the support they need. Here's what you need to know:

ℹ️ The Dream For All Shared Appreciation Loan is a down payment assistance program that works in tandem with the Dream For All Conventional first mortgage, aiding in down payments and closing costs.

🆕 2024 Enhancements:
✅ An Evolutionary Experience: Our 2024 edition of the program is set to deliver a unique and improved journey, distinct from its April release. 🌟

✅ Fair Chances for All: The introduction of a pre-registration system, potentially featuring a lottery, ensures equal opportunity for every aspiring homeowner. 🎟️

✅ No Early Advantage: In this edition, being the first to register won't provide any extra benefits. It's all about equity and inclusivity. 🤝

✅ Streamlined Pre-Screening: We've refined our pre-screening process to make your path to homeownership smoother. 📋

✅ Shop with Confidence: Upon successful registration, a voucher with a specified shopping window will be issued, giving you ample time to explore your options. 🏘️

The CAL FHA Dream For All Loan Program in 2024 is set to be a game-changer for aspiring homeowners. Stay tuned for a brighter and more inclusive future of homeownership. 🏡

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Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER & LOAN OFFICER IN THE HIGH DESERT/INLAND EMPIRE 🌟

Embracing the beauty of the SYCAMORE ROCKS area in APPLE VALLEY! This spacious 2,500 sq ft home on over an acre of land is a dream come true. Enjoy panoramic views of the surrounding landscape from the comfort of your own backyard gazebo. 🏠

Inside, you'll find:
➡ 4 generous bedrooms for ultimate comfort and privacy.
🛁 3 beautifully appointed bathrooms.
☎️ A formal living room and dining room, perfect for hosting guests and an oversized family room for cozy gatherings.
🍽 A custom kitchen featuring knotty pine style cabinetry, granite counters, and newer stainless steel appliances.

🏠 Don't miss out on this incredible opportunity—the motivated seller has priced it to sell! Your new haven awaits in this spacious and well-maintained home with attractive features, a large lot, and stunning views in a desirable location.

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Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER & LOAN OFFICER IN THE HIGH DESERT/INLAND EMPIRE 🌟

Supercharge Your Real Estate Portfolio with our DSCR Loan! 💼🏡

Discover the benefits:
✅ No income docs, no Debt-To-Income Ratio (DTI) concerns
✅ Competitive rates from 7.5% (7.875% APR)
✅ Max loan amount up to $4M
✅ Minimum FICO Score of 620
✅ 1-4 unit properties welcome
✅ 30 & 40-year interest-only options

Invest YOUR way, YOUR terms. 🚀
Your path to financial freedom starts now - Don't miss out! 💰

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Idely Molina
Loan Officer / Prestamista
Especialista En Hipotecas / Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER IN THE HIGH DESERT/INLAND EMPIRE 🌟

OPEN HOUSE HAPPENING THIS SATURDAY, SEPT. 23.

☀️ Discover the Benefits of Solar Power ☀️

🏡 This beautifully constructed home, boasting over 2,000 sq ft of living space, was meticulously built in 2015 and is eagerly awaiting the perfect family to transform it into a warm and loving home!!

🔎 Tile flooring throughout the home except in the bedrooms, with newer carpet. The kitchen is the heart of the house, with granite countertops and stainless steel appliances. It's the perfect size for entertaining and holiday cooking and baking.

Join me this Saturday, September 23rd, for an OPEN HOUSE!!
Date: September 23, 2023
Time: 3:00 PM - 6:00 PM

📍 Address: 7923 Bangor Ave, Hesperia, CA 92345.

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Idely Molina: Especialista En Hipotecas / Mortgage Specialist
Realtor:
📲: 760.953.2943

Elegant, Comfortable, and Loaded with Luxuries! 🏡

This 4+2 bedroom stunner features wood shutters, wood laminate flooring, and a beautifully upgraded kitchen with antique countertops. Step into the backyard oasis with an inviting pool, spa, and putting green.

The garage comes equipped with a 240V EV charger, and the home is safeguarded by multiple security cameras. Plus, the RV-ready driveway with a 12' side gate is perfect for outdoor enthusiasts. Don't miss your chance to own this dream home!

🌿 New Landscaping & 🪟 Wood Shutters
🪚 Wood Laminate Flooring & 🍽️ Upgraded Kitchen with Antique Countertops
🏊‍♀️ In-Ground Pool & Spa & ⛳ Putting Green
🔌 EV Charger in the Garage & 🎥 Security Cameras for Peace of Mind
🚐 RV-Ready Driveway with 240V Hookup
🌞 Solar Panels for Energy Efficiency

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Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

OPEN HOUSE ALERT!

When? September 14, 2023
Time: 12:00 PM - 3:00 PM
Address: 7332 Cygnet Rd, Phelan, CA 92371

About the home:
🔎 Dive into tranquility and privacy with this stunning 4-bed, 3.5-bath ranch-style home in Phelan. Enjoy 4,103 sq ft of living space on a sprawling 1.94-acre lot. Features a chef's kitchen with granite countertops, a spacious living room with high ceilings and a cozy fireplace, and a massive primary suite with a retreat that can be used as a nursery or office. Brand-new A/C units ensure comfort all summer long.

🤩 On the other side of the home, discover 3 spacious bedrooms, a Jack-and-Jill full bathroom, and a bonus room with a built-in wet bar, perfect for entertaining. The laundry room is equipped with cabinets, a sink, and a bathroom.

➡ Outside, you'll find RV parking and a detached 4-car garage. Fruit trees (apples, peaches, plums, and figs) adorn the front, creating the perfect spot to enjoy the desert views. Don't miss this incredible opportunity! Conveniently located near shopping centers and schools.

VISIT US! This property won't last long (:

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Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER IN THE HIGH DESERT/INLAND EMPIRE

OPEN HOUSE ALERT!

When? September 14, 2023
Time: 12:00 PM - 3:00 PM
Address: 7332 Cygnet Rd, Phelan, CA 92371

About the home:
🔎 Dive into tranquility and privacy with this stunning 4-bed, 4-bath ranch-style home in Phelan. Enjoy 4,103 sq ft of living space on a sprawling 1.94-acre lot. Features a chef's kitchen with granite countertops, a spacious living room with high ceilings and a cozy fireplace, and a massive primary suite with a retreat that can be used as a nursery or office. Brand-new A/C units ensure comfort all summer long.

🤩 On the other side of the home, discover 3 spacious bedrooms, a Jack-and-Jill full bathroom, and a bonus room with a built-in wet bar, perfect for entertaining. The laundry room is equipped with cabinets, a sink, and a bathroom.

➡ Outside, you'll find RV parking and a detached 4-car garage. Fruit trees (apples, peaches, plums, and figs) adorn the front, creating the perfect spot to enjoy the desert views. Don't miss this incredible opportunity! Conveniently located near shopping centers and schools.

VISIT US! This property won't last long (:

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Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

🌟 THE BEST LENDER IN THE HIGH DESERT/INLAND EMPIRE

Welcome to LOAN EDU! 🎓

Unlock Your Home's Potential with HELOC! 🌟 Let's dive into the world of HELOC loans today. HELOC stands for Home Equity Line Of Credit, and it can be a game-changer for your financial goals.

Here's what you need to know:

➡ Minimum Credit Score: 620
➡ Access in 5-10 Business Days
➡ Tap Into Your Home's Equity
➡ Fixed Rate with the Opportunity to Refinance When Rates Drop

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Interested in this home? Give me a call!
¿Interesado en esta casa? ¡Llámame!

Idely Molina

🌟 THE BEST LENDER IN THE HIGH DESERT/INLAND EMPIRE 🌟

Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

WOW WOW WOW! 🏠

MY FAVORITE LISTING OF THE WEEK!! 🤩

🔎 The floorplan is EXTREMELY inviting with high ceilings in the living and dining room areas, perfect for the upcoming holiday season and family gatherings. Tile flooring and neutral-colored carpeting accentuate the bottom living areas.

➡️ The kitchen boasts oak cabinetry with stainless steel appliances and tile counters. The large window above the sink area allows you to keep an eye on the kids while making food at the same time.

🔎 Esta casa tiene los pisos cerámicos y las alfombras de colores neutros acentúan las áreas de estar inferiores. ¡No te pierdas esta increíble casa ubicada en Fontana, California! ¡Deja de pagar la hipoteca de otra persona y te llevamos a tu nuevo hogar! envíame un mensaje para más detalles

📍 13654 Kings Canyon Ct, Fontana, CA 92336

🛏️ 3 BD | 🛁 3 BA | 📐 1,604 sqft

🔑 Price: $619,000

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Interested in this home? Give me a call!
¿Interesado en esta casa? ¡Llámame!

Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

Hello September! 🌱

We are on month 9 out of 12!!

We're already 9 months into the year, and it's the perfect time to seize the opportunity and turn your dreams into reality. 💫

Let's make the last quarter count, and by the end of 2023, you could be stepping into your very own home. This is the month you stop being a renter and start becoming a homeowner!! Let's get started, and get you into your new home for the holidays! 🏡🔑

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Interested in this home? Give me a call!
¿Interesado en esta casa? ¡Llámame!

Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

This two-story gem in the heart of the city is a homeowner's dream. Granite countertops, wood cabinets, decorative slate tile backsplash, and upgraded stainless steel appliances await your culinary adventures. Plus, with recessed lighting and polished travertine floors, you'll cook in style! 💥

Encimeras de granito, gabinetes de madera, placa para salpicaduras de azulejos decorativos de pizarra y electrodomésticos renovados de acero inoxidable esperan sus aventuras culinarias. 💥

The formal living room, and family room all have warm, rich wood floors. A bold, dramatic staircase leads you upstairs to a large master suite with a huge tub & separate shower. Don't miss out on this home! This home is incredible! 🏠

La sala de estar formal y la sala familiar tienen pisos de madera cálidos y ricos. Una escalera audaz y espectacular lo lleva arriba a una gran suite principal con una enorme bañera y ducha separada. ¡No te pierdas esta casa! ¡Esta casa es increíble! 🏠

📍 13171 Malibu Ct, Moreno Valley, CA 92553

🛏️ 4 BD | 🛁 3 BA | 📐 2,331 sqft

🔑 Price: $599,000

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Interested in this home? Give me a call!
¿Interesado en esta casa? ¡Llámame!

Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943

🎓 Welcome to LOAN EDU! 🌟

Today, let's dive into the world of loan programs. Get ready to master the art of loans and stay steps ahead! Here's the lowdown on some key loan types:

🏠 FHA Loan:
➡️ FICO Score: 350
➡️ Down Payment: 3.5%
➡️ Units: 1 to 4
➡️ Nonresident Aliens (okay)

🇺🇸 VA Loan:
➡️ FICO Score: 580
➡️ Down Payment: ZERO
➡️ Units: 1 to 4

💼 Conventional Loan:
➡️ FICO Score: 620
➡️ Down Payment: 3%
➡️ Units: 1 to 4 units
➡️ Nonresident Aliens (okay)

🌌 Non-QM Insights:
➡️ FICO Score: 560
➡️ Down Payment: 10-15%
➡️ Reserves may be required
➡️ Own a nonowner occupied place, 2nd home, or condo
➡️ 1099 only
➡️ DSCR
➡️ ITIN holders
➡️ Bank statements (12-24 months) & employment verification

Drop a 🏠 and send us a DM today to learn more. Your dream home is calling - let's answer it together! 💬✨

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Interested in this home? Give me a call!
¿Interesado en esta casa? ¡Llámame!

Idely Molina
Especialista En Hipotecas
Mortgage Specialist
📲: 760.953.2943