Emma Jean Howie

Dramatic rebound for existing home sales and more in this week's Markets in a Minute!

Markets in a Minute Enjoy this quick update on what's going on in the housing and financial markets.

If you're getting money from family for your down payment, be sure to ask me about a gift letter! Having the right documentation can make the process quicker, smoother, and easier for everyone involved.

A home inspection protects you as a buyer by letting you know if there are any major problems or issues that could cost you down the line.

It's easier than ever to learn about the potential equity available in your home. Contact me today to get set up with a free monthly digest through Homebot!

With a cash out refinance, you could put the potential equity in your home to work! Whether that's a finished basement, backyard landscaping, or even a new pool or bathroom remodel, the possibilities are endless! Contact me today for a quote.

You never know what can happen! Just in case of an unexpected disaster such as health issues or job loss, it's best to keep at least three months worth of expenses in savings.

Think of the potential equity in your home like a hidden savings account. Every time you make a mortgage payment, you own a bigger percentage of your home. And that's money in the bank!

One of the metrics that makes up your credit score is account history. The longer you've had accounts open, the better your score. I'm not a credit counselor, but I can help you find out where you stand and give you tips on preparing to buy your first home.

If you’re refinancing your home loan, make sure you get a final payoff quote before closing so you don't end up owing money to both banks.

It's a seller's market, and that means you may be competing with other buyers on the home of your dream. One way to ease sellers' minds is to use a pass/fail contingency on your home inspection. That way, you'll feel safe knowing you aren't buying a lemon and the sellers won't worry about price renegotiation down the line. Talk to your real estate agent for details.

Interest rates may be going up, but you may be able to pay less over the life of your loan with a strategy called buying points. Give me a call and I'll be happy to explain the details!

WE GOT A TABLE SPACE!!!!
So excited!! I hope to see you there!!!!!

All Chamber Mega Mixer The All Chamber MEGA Mixer is a Networking Extravaganza powered by Local Chambers in our region working together to connect our business communities! Come mix, mingle and connect! You may find your next customer or business power partner! Admission is just One Business Card or $1!

Beware the Ides of March! By which we mean, beware of home repair and maintenance costs (before they add to your debt). It’s best to budget 1-3% of your home’s value every year.

If you're getting a big tax return this year, we have good news! With home loan options from Castle & Cooke Mortgage, that could be enough for a down payment. Contact me today to see if you qualify!

The Great Pantry Challenge could benefit your wallet, your waistline, and even the environment! Get the step-by-step plan at https://www.castlecookemortgage.com/blog/pantry-cleanout-challenge.

Check out this beautiful property!

39730 Jacaranda Court, Temecula, CA 92591 This amazing 4-bedroom, 3-bath home comes with a detached studio overlooking the sparkling salt-water pool. The double-door entry opens to new LVP flooring & cathedral ceilings with abundant natural light through custom shutters and French doors. The renovated gourmet kitchen is appointed with grani...