Toni and Danielle with Bear Creek Realty

What’s keeping you away from homeownership? If you're going to pay monthly for your housing expenses, why not pay towards something you own? Somewhere you can make renovations, and potentially increase the value of your home over time. If you're ready to buy, contact me today!

If you’re a homeowner, think back to your experience being a first-time buyer. What do you wish you would’ve known? What would you tell first-time buyers before they enter the world of homeownership? We would love to hear from you!

When buying a home, it pays to make sure you have all the information you need to make an informed decision. During the due diligence stage, you'll want to give every aspect of the transaction a once-over before closing. Among other things, you will want to review your appraisal and inspection before the due diligence period ends.

What are you in the market for? Whether you are looking to buy or sell a home, we can help. Our role in the process can look different depending on what your needs are. For some clients, an agent may be the listing agent for the home you are selling as well as your buyer’s agent if you are purchasing a different home. No matter what you need, we are here to help. Let’s chat!

When you start considering a property, there are a few key things you should always try to look at before making your decision. While some factors, like size, can potentially be adjusted in the future, others, like location, cannot. Here are 5 factors you should consider when buying a property.

Do you know the difference? Assessed value is the amount your local government thinks your home is worth - this is what is used to determine property taxes. Appraised value is the amount a professional home appraiser thinks your home is worth. This amount is typically used by lenders when considering a mortgage application.

Today’s home buyers are looking for move-in ready homes. Ensure your home is in top condition to get the most attention and the highest possible price. If you want to get the most bang for your buck, focus on features that most home buyers really want to see. Over 80% of buyers are looking for homes with exterior lighting, energy saving windows, and ceiling fans. These can be a low cost investment that buyers would love and that you can enjoy for as long as you live in the home.

If you’re in the market for a new home, there is plenty you can do ahead of time to make the process go a little smoother. A major step in the home-buying process is securing your home loan with a lender. Here is a brief list of items your lender will likely ask for to determine how much buying power you will have. Getting these documents ready now will help to streamline the process!

The first step is to find the right real estate agent to help you market and price your home. You will work with your agent – who will study the sales of homes similar to yours – to set the right asking price. You should give your home a deep cleaning before listing it and reduce clutter by getting rid of extra furniture, décor and personal items. After discussion with your agent, you may consider investing in any minor repairs they recommend to maximize profits. If you are ready today, let’s talk!

Character and charm, or fresh and modern...what is your style? Would you rather live in a historic neighborhood or a new development? When it comes to choosing your next home, what part of the style means the most to you? Let’s chat in the comments!

Wondering what costs you will need to consider when becoming a homeowner? Here is a brief list of what to expect once you purchase a home. While you may have an idea of what your mortgage payments will look like, it is important to know what is included in that payment and what else you need to prepare for.

A house title denotes ownership rights: It is the bundle of rights that dictates who has legal or equitable interest in the property. It also details the limitations on ownership. When you purchase a home, a title company conducts a title search to ensure that the seller is the sole owner of the home and no one else has any legal claim to or against the property.

Are you considering stepping into the world of homeownership? Before you start browsing the internet for available homes in your area, ask yourself these questions! This will help give you the best starting point and help you get into the home of your dreams that much faster. Once you’ve done that, we are here to help!

Contract contingencies are quite common in real estate transactions and are put in place to allow prospective homeowners to cancel a contract without penalty. Contingencies reduce risks for buyers, and what is allowable varies from state to state. However, many contingencies are common to every state.

Buying a home can seem intimidating, especially if it is your first time. We are here to help walk you through every step of the process and would love to hear what concerns you have about buying a home. Share your questions in the comments or send us a message today.

Mortgage rates are constantly changing, but do you know what dropping rates could mean for you? Whether you are looking to buy or looking to sell, a drop in interest rates can impact what the market will look like for you. Here are some ways the market is impacted!

Worried about getting a mortgage if you work for yourself? If you’re self-employed, the loan approval process will be somewhat similar to that of a W-2 salaried applicant. You’ll need to provide certain documentation to verify your employment income and prove to the lender that you’re a creditworthy fit for a mortgage in general and a certain sum. We can recommend a lender today and get you one step closer to homeownership!

Today’s home buyers want convenient house plan designs that help them stay organized, allow them to live comfortably through all stages in life, and keep utility costs low. More importantly, buyers are looking for homes that don’t require much work on their end. What are your top 2 must haves in a new home from this list?

Have you heard this phrase before? Marrying the house means that you should focus more on finding the right property rather than trying to time your purchase to get the lowest interest rate. You are not committed to your mortgage loan interest rate for life—as long as you can refinance it down the road. Don’t lose out on time building your equity waiting for a rate. If you’re ready to buy today, let’s chat!

Ready to dump your rental and buy a place of your own? Contact me today for a list of homes in your area!

Closed! 🍾🏡❤️👏🏻

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New Listing! Want to be minutes away from a Lake? Need room? Then, stop that car, and come check out this 5 bedroom, 3 full bath home. The home features a family room, dining room, living room and even a loft upstairs. The kitchen has rich granite counters and a brand new dishwasher, and the stainless steel refrigerator stays! This kitchen overlooks the family room with its cozy fireplace and open concept. Step out back, and enjoy the privacy of the gorgeous backyard. It will definitely be the place you will want to have your friends come and hang out. Sit under the big shaded trees, enjoy the gas fireplace, all while cooking a fun dinner on your built-in bbq. Back inside, we have one bedroom downstairs with a full bathroom nearby. Also downstairs, is the laundry room that takes you directly into the 3 car garage. Upstairs you will find 4 more bedrooms and 2 more bathrooms. This home has so many fabulous features, including a brand new HVAC for upstairs, Laminate, tile and travertine flooring throughout. Wiz lights, and a Ring Door Bell.
You won't want to pass this place up! Come check it out before it's too late! No HOA!


📸Tia Black Photography

Tia Black Photography did another fabulous job on our newest listing.

Have you ever dreamed about golfing on the spectacular Jack Nicklaus golf course? Sipping bubbly while having lunch or dinner at the Country club? Or, do you just enjoy the peaceful sounds of nature? Then I would run, not walk before this beauty is gone. Impressive single story home in the guard gated community of Bear Creek. Call us for your private showing.

New Year New Price. Come look at this beautiful home before it's too late. So many possibilities with having TWO HOMES on one huge lot. Pool, fabulous schools, close to shopping, no HOA and low taxes. Start the New year in a new home. Contact us for your private showing.

Coming Soon!!!!!! West Murrieta Home Pool Home with a Guest House. Yes, you heard it here...Two homes on a cul-de-sac. NO HOA...LOW TAXES.
Message us for more info.

Thank you Tia Black Photography. Tia Black Photography

You typically do not have to put 20% down on a house. In fact, the average down payment for first-time buyers is just 6 percent and there are loan programs that let you put as little as zero down. However, a smaller down payment often means a more expensive mortgage long-term but if you want to get into a house sooner rather than later, that might be a sacrifice you want to make!

Once your offer is accepted, it comes time to make sure the house is a sound investment and that you can get a mortgage that works for you. An agent is your #1 resource to keep things running smoothly... so make sure to choose wisely. Contact me today!