Ryan Schaefer- Mortgage Loan Originator, NMLS# 847481

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Riverside and San Bernardino residents qualify

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https://www.ocregister.com/2024/01/12/freddie-mac-adds-california-programs-to-its-down-payment-assistance-website/

Freddie Mac adds California programs to its down payment assistance website In what might be a first for the mortgage giant, DPA One offers consumers a free tool to find local down payment programs.

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https://www.cnbc.com/2023/09/08/what-size-down-payment-you-need-to-buy-a-home.html?__source=realestate%7cnews%7c&par=realestate

Americans who don't own a home say they lack savings for a down payment, CNBC survey finds First-time homebuyers often need to come up with just 6% or 7% as a down payment. Meanwhile, states and cities offer funds to help you come with the cash.

https://protect-us.mimecast.com/s/Zw7LC820RyFgMwwpU2liK9?domain=nationalmortgageprofessional.com

San Diego Surpasses San Francisco As The Least Affordable Metro In The U.S. Research published by OJO Labs revealed that San Diego is now the least affordable metro in the U.S., moving ahead of both San Francisco and Los Angeles.

The best people to ask which home improvement trends have potential are the handymen who make them happen. Here are five trends professionals suggest keeping in mind this year.

5 Home Improvement Trends to Watch, According to Handyman Pros The remodeling boom continues. Here are some popular house projects that handyman professionals are increasingly being called upon to help.

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According to the National Reverse Mortgage Lenders Association, homeowners aged 62 years or older saw their housing wealth grow by 2% ($266 billion) in Q3 of 2022 alone.

Senior Home Equity Exceeds Record $11.8T According to the latest quarterly release of the National Reverse Mortgage Lenders Association (NRML...

It seems logical to assume that rent costs follow the housing market, but rents are expected to increase while home prices aren't. Why is that? What does this mean for first-time home buyers?

With Home Prices Coming Down in Some Areas, Will Your Rent Lower as Well? If you’re a renter, you’re probably well aware that rents went up more than 20% over the past few years, but your income most likely didn’t increase by nearly as much. So this realtor.com article probably sounds like promising news when the headline claims that rent prices are finally falling ...

Refinancing is a popular way for homeowners to lower costs, access funds and more. But there are some instances where refinancing may not be the right move -- here are a few ways you can tell.

When is mortgage refinancing a smart move? Consider these points if you're thinking about refinancing.

Data shows that the dramatic price increase of building materials slowed in 2022 and experienced four months of consecutive decline. Will 2023 see more price decreases?

Building Materials Price Growth Slows 60% in 2022 | Eye On Housing The producer price index (PPI) for inputs to residential construction less energy (i.e. building materials) rose 8.3% in 2022 (not seasonally adjusted) according to the latest PPI report—less than one-half the increase seen in 2021. On a monthly basis, building materials prices declined 0.3% in De...

Experts are expecting shifts in real estate prices that haven't been seen in several decades -- here's why.

Real estate is experiencing a historic home pricing correction Peeking into 2023, the real estate market outlook is changing dramatically because of central banks raising interest rates.

https://www.mortgagenewsdaily.com/news/01192023-big-llpa-changes

Some BIG Changes to Mortgage Costs Were Just Announced In a single moment, the fees for a vast majority of new mortgages in the US have changed.  In some cases, the changes are drastic, both for better and worse.  Let's break it down. What do you mean by "fees/costs?"   This refers to Loan Level Price Ad...

Here's a helpful guide on how to turn your property into a vacation rental, from preparation to marketing.

How to Convert a House to a Vacation Rental Want to turn your home into a short-term rental? Follow these steps.

The nation's housing trends last year can help give us a better idea of what to expect in 2023.

Putting 2022’s Housing Market Trends Under the Microscope CoreLogic, a global property information, analytics, and data-enabled solutions provider, has releas...

Can you buy a house with a lien against it? What can you do to protect yourself from liens? Get the answers you need in the latest newsletter.

Property Liens: Key Facts for Buyers & Homeowners Get answers to common questions about liens.

Twice every month, the newsletter provides tips and updates about mortgages, buying and selling homes, and much more.

Have you subscribed? Next week covers key facts about property liens.

Are the rumors about recently built homes true? Some concerns are unfounded, but it's helpful to know these tips if you're looking at anything built within the past three years.

3 Questions to Ask Before Buying a House Built Between 2020 and 2022 Videos making the rounds on social media are warning homebuyers to steer clear of homes built between 2020 and 2022, suggesting that supply chain issues and labor shortages have led to lower-quality construction.In reality, real estate experts say these claims are likely a bit overblown, since homes...

There are more than a few renovation projects that you can start in the wintertime -- in fact, some are optimal for this time of year.

10 Parts of the Home You Can (and Should) Renovate in Winter Don't let winter weather derail your remodeling plans. Being holed up inside is actually the perfect excuse for taking on certain home improvement projects.

There are several advantages buyers can leverage with a preapproval letter, like more bargaining power.

The Benefits of Getting Pre-Approved as a Buyer - Lee County Association of REALTORS® There are several benefits of getting pre-approved as a buyer that in the end will make the entire process smoother.

What's the difference between the two, and which one do you need? Here's what you need to know.

Preapproval or prequalification? Knowing the difference can impact your offers.

These helpful infographics outline what projects homeowners took on according to when their house was built, as well as their average budget and more.

How a Home's Age Influences Owners' Renovation Plans A new study identifies the improvement projects homeowners prioritize based on how old their home is.

Thinking of updating your kitchen space soon? Consider these three tips from someone who learned firsthand through multiple renovation projects.

6 of the Most Important Tips I’ve Learned from Renovating 3 Kitchens in 5 Years Renovating a kitchen is kind of like getting a tattoo. It can be painful while it’s happening, but the end result is so worth it that you forget the bad parts. I’ve done three total-tear-out kitchen renovations in the last five years (plus three more non-gut-job remodels in the last six), with a...

If you're buying or selling an older property, enlisting the help of these expert services can help make the process smoother and more transparent.

12 Specialists You Need If You’re Buying an Old House Before buying an old home, enlist the help of niche professionals to help you navigate potential repairs and renovations and avoid unpleasant surprises after the sale.

The search for your dream home doesn't have to take a back seat over the holiday season -- this guide outlines some helpful tips to navigate the market this time of year.

Holiday Real Estate: A Buyer’s Guide - Realty Times There’s a myth that the real estate market shuts down over the holidays and that it’s a terrible time to buy a home—because who wants to buy a home when you could be spending that time with family. You saw where we said “myth,” right?  The truth is that buying a home over the holidays...

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The market is shifting, but that doesn't mean it has to be a bad time for sellers. Keep these three things in mind to help make your selling experience as smooth as possible.

It’s a Great Time to Sell Your Home in This Market—IF You Keep These 3 Things in Mind Get the latest real estate news and trends.