The Sapp Team

Don't let a new home builder convince you they are the ONLY option when it comes to incentives -- ASK YOUR LENDER WHAT THEY CAN OFFER!

This client just received the keys to their new home and received over $12,000 in lender credit by using The Sapp Team as their lender instead of the builder lender.

It is also ALWAYS recommended that you visit a new home community with an agent. Why? - Because when you don't, you are opting for no agent representation. Unfortunately, the wonderful agents that work in the builders office represent the BUILDER, not you. So if you want someone who has your best interest in mind, contact an agent BEFORE you tour a model home.

If you're looking to buy a new home in Southern California, we're able to help not only as an agent, but as a lender. We can schedule your home tour, provide an initial pre-approval, and provide you with a comparison estimate to see if we can match or best the builders incentives. Shoot us a DM to schedule your next home tour!

Interested in using the CalHFA Dream for All to purchase your first home? Here are some things to know ✅

Before you upload your application, here are the items you'll need:
- California Dream For All (DFA) Lender Pre-Approval Letter (we will issue for you)
- Government ID: Passports, driver’s license, state-issued ID, military ID, permanent residence cards, visas or employment authorization documents
- Proof of current address: Government ID, utility bill, cell phone bill, insurance bill, voter registration or car registration
- Foster care documentation (if applicable): Foster Care Verification Form/Letter or court documents

DM us to schedule an initial consultation for your Dream for All Pre-Approval letter!

Are you ready to write your home buying story? We have helped countless clients like Carlo and Mica turn their home ownership dreams into a reality. WE want to help YOU next.

🗝️ DM us to schedule a consultation.

Happy Valentine's Day! Comment below one thing you LOVE about your home.

For me? It's my pool 🏖️ and my lemon tree 🍋 - The summers are so cool... from swimming to making homemade lemonade.

We take our clients from 💭"goals" to 🗝️"SOLD"! 😅

THIS is why we do what we do. We help families through one of the largest purchases they will ever make in their life, and overcome any obstacle that may happen during the process. If you have questions about owning a home, or accessing your home equity, send us a DM.

PAST CLIENTS - please do share your experience working with us in the comments below. We'd love to feature you in our next client review post! 🫶🏽

As a homeowner, A HELOC is a great opportunity to access your home equity with flexibility.

Unlike a traditional loan, a HELOC provides a revolving line of credit, allowing borrowers to access funds as needed and repay them over time. This flexibility can be advantageous for ongoing or unpredictable expenses.

Send us a DM to explore your HELOC options.

Tag a friend! Here are a few 2024 Mortgage and Real Estate “Ins & Outs” for the future homeowners this year.

MI aka Mortgage Insurance... What is it? How does it work? WHY does it matter? And should you save for a 20% down payment to avoid it? Here's some pros & cons to consider...

🕵🏽 The secrets out!! You may have heard lenders share about the "temporary buydown" option and how it's THE program that's helping buyers right now start off their homeownership journey with a lower interest rate and payment... but what is it?! Swipe through for more information and how this buydown program can help YOU with your home purchase. Shoot us a DM with any questions!!

If you’re tired of clutter on your kitchen countertops, a butler’s pantry — one of this year’s hottest home design trends — might be the solution. ⁣
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Butler’s pantries, also known as sculleries, are rooms located off the kitchen that offer the storage of a traditional pantry plus space for additional countertops and appliances. ⁣
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Want to add a butler’s pantry to your kitchen? Ideal spots could include: ⁣
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✅ Passageway between kitchen and dining room ⁣
✅ Nearby closet or alcove ⁣
✅ Oversized food pantry ⁣
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And if you’re fantasizing about a new home with premium features like this one, reach out. We’d love to take you on a tour of some beautiful properties on the market right now! ⁣
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📲 (866) 812-8192 ⁣
📧 [email protected] ⁣

Expecting overnight guests this holiday season? Make their stay special with these simple tricks. ⁣
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🛀 Turn your bathroom into a spa. ⁣
Stock it with necessities, like fresh towels, along with some pampering toiletries. ⁣
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🔌 Put essentials on the nightstand. ⁣
A spare phone charger, reading lamp, box of tissues and a bottle of water will make them feel right at home. ⁣
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🛏️ Build a better bed. ⁣
Layer sheets, comforters, blankets and extra pillows so guests can customize their sleep setup. ⁣
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☕ Create a cafe in your kitchen. ⁣
Set out coffee, tea, snacks and breakfast items so they’re easily accessible. ⁣
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🧩 Set up an activities space. ⁣
Put out board games, puzzles and decks of cards to encourage recreation. ⁣
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What are your top tips for welcoming overnight guests? Share them in the comments! ⁣

Outfitting a new home? Local reuse communities could help you keep costs down. ⁣
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Members of BuyNothing.org or Freecycle.org groups post items that they no longer need and are willing to give away. Here are 3 benefits to participating: ⁣
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🎁 Furnish your home for less. ⁣
There’s no cost to join and all items offered must be completely free. ⁣
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📦 Get rid of items you no longer need. ⁣
Pay it forward by posting your own possessions that you are ready to pass on. ⁣
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♻️ Reduce your environmental impact. ⁣
By reducing your consumption and waste, you can help protect the planet. ⁣
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Want more great ways to save money on home furnishings and decor? Visit our blog! ⁣
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🔗 https://briansapp.myagent.site/35-tips-to-furnish-your-new-home-for-less/ ⁣

Planning to buy a home? It’s time to get your credit score in order. ⁣
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Make sure to avoid these common mistakes: ⁣
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❌ Ignoring your credit report. ⁣
Check your credit report to make sure there aren’t any errors or signs of identity theft. ⁣
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❌ Closing accounts. ⁣
Doing so can bring down the average age of your credit, which impacts your score. ⁣
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❌ Paying the minimum due. ⁣
This can drive up your credit utilization rate, which is the amount of available credit you’re using. ⁣
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❌ Making late payments. ⁣
Set up automatic payments to avoid this risk entirely. ⁣
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Wondering if your credit score is high enough to secure a mortgage? Reach out for a referral to a mortgage professional who can help you find out. ⁣
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📲 (866) 812-8192 ⁣
📧 [email protected] ⁣

Outfitting a new home is exciting — but it can also be expensive. Here are some simple strategies that can help you save money while making your house a home: ⁣
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🗒️ Prioritize what you really need before you start shopping. ⁣
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🗓️ Time your purchases to make the most of seasonal sales. ⁣
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🛍️ Find alternative shopping sources — and even alternatives to shopping. ⁣
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🤝 Don’t be afraid to negotiate to get a better deal. ⁣
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💳 Make the most of reward programs and coupons. ⁣
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🖌️ Get creative with what you already have. ⁣
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If these strategies sound good but you’re not sure where to start, visit our blog. We share all the specifics to help you save thousands on home furnishings and more! ⁣
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🔗 https://briansapp.myagent.site/35-tips-to-furnish-your-new-home-for-less/ ⁣

Someone bought their FIRST HOME this year!! A huge congratulations are in order, this self-employed client of ours got the keys to her home after a year of preparation.

3 things to keep in mind if you're self employed:
- We will need a 2 year history of your business income being claimed on taxes
- Traditional programs will use the NET income on taxes (after deductions) when calculating your income.
- There are bank statement & 1099 programs available that could allow you to use more income towards your home purchase (without amending taxes or increasing your tax liability)

Schedule a call with us today to explore your options.

Homeowners, you can still access your home equity without losing your current low interest rate. Here are 3 ways you can leverage a HELOC (or HELOAN) during the holiday season:

🏡 Home Renovations and Holiday Hosting: Many homeowners choose to get a Home Equity Line of Credit (HELOC) during the holiday season to fund home renovations or improvements. These upgrades can create a more inviting and functional space for hosting family and friends during the festive season.

🎁 Holiday Expenses: The holiday season often comes with increased expenses, such as gifts, travel, and entertaining. A HELOC can provide a source of funds to cover these costs, allowing individuals to enjoy the holidays without the financial stress.

💸 Debt Consolidation: Some people opt for a HELOC during the holiday season to consolidate high-interest debt, such as credit card balances. By using their home equity, they can secure a lower interest rate and simplify their financial situation, making the holidays a less stressful time.

Congratulations to our recent clients who used a business purpose loan to tap into their home equity.

What's a business purpose loan? This loan can be used to purchase an investment property or to complete a cash out refinance where the funds are used for ANY business purpose!

If you're a homeowner in SoCal looking to use your home equity for business funding, send us a DM.

Congratulations to our returning clients on their recently funded loan! This couple decided on a HELOC (Home Equity Line of Credit) that they plan to use towards the completion of an ADU.

If you're a homeowner looking to tap into your home equity, let's hop on a call and discuss your options!

Thank YOU to our past client Jessica for sharing her kind words. We truly appreciate not only helping our clients become homeowners, but also being able to keep in touch with them throughout the years... in this case TWELVE years!! We don't call ourselves your "Lender for Life" for no reason 😅

Clogged gutters can do major damage to your home and foundation.

Here are 4 tips to make gutter cleaning as quick and painless as possible. And for professional help, reach out for a list of our recommended service providers.

📲 866-812-8192
📧 [email protected]

Are you ready to become a landlord?

Ask The Sapp Team about your purchasing options!

📲 866.812.8192
📧 [email protected]

October 16-20 is School Bus Safety Week. Follow these tips while driving to keep the students in your community safe!

🚌 Stay alert whenever there’s a bus in the area — remember, children may not look before running into the street.

🚌 Keep a safe distance when driving behind a bus, and expect frequent stops.

🚌 Stop when a school bus flashes red lights or extends its stop sign, no matter which direction you’re driving.

🚌 Remember that buses take longer to stop and have a wider turning radius than cars.

🚌 Be aware that buses must stop at all railroad crossings whether or not crossing signals are on.

What else should drivers remember about school bus safety? Let us know in the comments!