Vicky Camarena

https://s.paragonrels.com/goto/Lv8-h6h8Sxj

For Sale in Stockton

View Property Details Welcome Home! Step inside to discover a beautiful interior featuring modern finishes with vaulted ceiling and ample natural light throughout the house. Laminated flooring and soothing neutral color palette, setting the tone for modern elegance throughout. Boasting three bedrooms, two and a half bath...

Ah, the age-old question of whether we’re in a Seller’s or Buyer’s market. It’s like trying to predict the weather – you can consult all the experts and data in the world, but ultimately you’re at the mercy of unpredictable forces.

If you’re a Seller, you might be rubbing your hands together with glee, thinking you’re in a market so hot that you could sell a shoebox with a leaking roof for a million bucks. But before you start popping champagne bottles, remember that a Seller’s market can be fleeting, like a summer fling that fizzles out by fall. So, make hay while the sun shines, but don’t get too cocky.

On the other hand, if you’re a Buyer, you might be feeling like a contestant on a game show, frantically trying to beat the buzzer and snag a deal before prices skyrocket.

No matter what, there’s always a deal to be found 💸💰. So let’s roll with the punches and see where the market takes us! 📈📉

https://www.homesnap.com/VICTORIA-CAMARENA. #🏠❤️

Investing in real estate can be a wise financial decision for many reasons. Here are the top 5 reasons to consider investing in real estate: 1. Tax Breaks - Real estate investors can take advantage of numerous tax breaks and deductions to save money at tax time. 2. Appreciation - Real estate values generally increase over time, and a good investment can lead to a profitable return when it's time to sell. 3. Build Equity - As you pay down a property mortgage, you build equity, contributing to your net worth and providing leverage to buy more properties. 4. Cash Flow - Renting your properties can generate cash flow and passive income. 5. Retirement - Long-term real estate ownership can be an effective way to save for retirement and secure your financial future. If you're interested in taking the next step in real estate investing, speak with a trusted lender to assess your finances and explore your options. https://www.homesnap.com/VICTORIA-CAMARENA. #🏠❤️

Ah, financing a home purchase – it’s like trying to navigate a maze blindfolded. 😵💰 With so many options to choose from, it’s easy to feel like you’re drowning in a sea of loan jargon. 🌊
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So before you go diving into the deep end of the loan pool, make sure you know what options are available to you and where to find them. After all, the only thing better than finding your dream home is finding the perfect loan to make it a reality! 🏠💖.

Balancing Your Wants and Needs as a Homebuyer This Spring Though there are more homes for sale now than there were at this time last year, there’s still an undersupply with fewer houses available than in more normal, pre-pandemic years.

More Negotiation Power to Buyers

You May Have More Negotiation Power When You Buy a Home Today Did the frequency and intensity of bidding wars over the past two years make you put your home search on hold?

Looking for Lower Interest Rates?

1179 78th Ave, Oakland, CA 94621 - ListReports House photos, infographics, and listing agent details for 1179 78th Ave, Oakland, CA 94621. This home is priced at $475000, with 3 beds, 1 baths, and 1,097 sqft.

What’s Ahead for Home🏠Prices?

What’s Ahead for Home Prices? As the housing market cools in response to the dramatic rise in mortgage rates, home price appreciation is cooling as well.

Motivated Seller, Price Change.

1179 78th Ave, Oakland, CA 94621 - ListReports House photos, infographics, and listing agent details for 1179 78th Ave, Oakland, CA 94621. This home is priced at $475000, with 3 beds, 1 baths, and 1,097 sqft.

How To Prep Your House for Sale This Fall Today’s housing market is different than it was just a few months ago.

How Homeownership Can Bring You Joy If you're trying to decide whether to rent or buy a home, you're probably weighing a few different factors.

If You’re a Homeowner, You Have Incredible Leverage When You Sell Today In today’s housing market, homeowners have a great opportunity to sell their house and receive the best terms for their personal situation.

Why Rising Mortgage Rates Push Buyers off the Fence If you’re thinking about buying a home, you’ve probably heard mortgage rates are rising and have wondered what that means for you.

What You Actually Need To Know About the Number of Foreclosures in Today’s Housing Market While you may have seen recent stories about the volume of foreclosures today, context is important.

https://www.homesnap.com/VICTORIA-CAMARENA

Can you guess the four scrambled words? What about their meanings?

Hint: they all have something to do with the home buying process.

1. Offer: when you, the homebuyer, let the seller know how much you’re willing to purchase their house for — they’ll have the opportunity to accept or reject it.

2. Mortgage: an agreement between you and a lender that allows you to borrow money to purchase or refinance a home and gives the lender the right to take your property if you fail to repay the money you’ve borrowed.

3. Pre-Approval: a preliminary evaluation of a potential borrower (you) by a lender to determine whether they can be given a pre-qualification offer.

4. Equity: the difference between the fair market value of the property and the amount of money you owe on the mortgage.

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https://www.homesnap.com/VICTORIA-CAMARENA

Is 2022 the year you’re finally able to afford a house? Is the market due for a crash? Are mortgage rates changing?

What are your burning real estate questions? I’m ready to answer anything, so ask away in the comments or send me a quick DM!

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Is It Enough To Offer Asking Price in Today’s Housing Market? If you’re planning to buy a home this season, you’re probably thinking about what you’ll need to do to get your offer accepted.

https://www.homesnap.com/VICTORIA-CAMARENA

Some of the biggest misconceptions I hear as a Realtor are related to down payments. 😵‍💫

So today I’m your Mythbuster. 😁

Helping you set the record straight by debunking these myths once and for all.💪💪

⛔ Myth #1: You need a 20% down payment.
✔️Reality: Sure it’s ideal if you wanna get off the hook in paying private mortgage insurance also known as PMI. But there are other options, For qualifying buyers, lenders can offer options with 10% or 5% down if you’re willing to pay the monthly PMI cost. 👌

⛔ Myth #2: If you owe a lot of student loan debt, there is no way you can get a mortgage.
✔️Reality: Having a lot of student loan debt doesn’t automatically disqualify you from getting a mortgage. The key factor is not necessarily the size of your loan, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. 🧑‍🎓

⛔ Myth #3: If your credit score is low, you should not even try to get a mortgage.
✔️ Reality: Millions of potential buyers assume they will not be approved for a mortgage even though many could qualify on the basis of their credit score. That’s not always the case.

It’s best to discuss your current financial situation with an experienced Lender who can help establish a strategy to repair or strengthen your credit score before applying for a loan. 💸💸 The bottom line? Strategy! 📈📈 Explore your home financing options early, and start building a personal team of experts on your side. 🧔👩‍🦳👨‍🙋

Housing agencies, real estate agents, and participating lenders can provide a wealth of knowledge to get you one step closer on your path to owning the house of your dreams.🏠🏠

DM me to learn more!

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https://www.homesnap.com/VICTORIA-CAMARENA

Are you on the fence trying to decide between buying a pre-loved home or building a home, you’re not alone! 😉
It’s normal to be overwhelmed by your options or to be at the mercy of the opinions from your loved ones (ahem..Your significant other!) 😏

Don’t worry, I got you. 🙋‍♀️

Today, I’m listing 3 reasons you might want to build a new home.🏠



☑️ You can have exactly what your heart desires:The biggest benefit of building a new home is being able to create a house that’s tailor-made for you and your family. From the moment you move in, your personal style is already stamped on everything, so it will already feel like home. 🥰🥰

☑️ Less ongoing maintenance: A newer home can mean fewer maintenance costs on the horizon. 🙌

☑️ No toxic materials when building: You won’t have to worry about materials such as asbestos or lead paint in a brand-new home. ☘️☘️

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Should I Sell My House This Year? If one of the questions you’re asking yourself today is, “Should I sell my house this year?” the current Housing Opportunities and Market Experience (HOME) Survey from the National Association of Realtors® (NAR) should boost your confidence as it relates to the current selling sentiment in th...

Using Your Tax Refund To Achieve Your Homeownership Goals This Year If you’re buying or selling a home this year, you’re likely saving up for a variety of expenses.

https://www.homesnap.com/VICTORIA-CAMARENA

Making the decision to sell your house is a difficult one. 🤔 Once that decision has been set in stone, it’s important to tackle one of the biggest, most important questions. How can I boost the value of my home? For some, it might mean a total renovation for others, small improvements in your decor might simply do the trick to maximize curb appeal. 💸💸



I’ve put together a few questions you can ask yourself to steer your sale in the right direction.

✔️ Do I have a budget for renovations?
✔️Do I need help managing clutter?
✔️Do any rooms need to be repurposed or accessorized?
✔️Does my current decor have a cohesive look that is attractive to buyers?
✔️What exterior repairs are needed that may be overlooked?

Want to know what your home is worth? Send me a DM and let’s chat! 🥰🥰

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https://www.homesnap.com/VICTORIA-CAMARENA

Before your property goes on the market your real estate agent ( Me 😉) is responsible for determining a price to list your property for.

I would compile a comparative market analysis to review properties of similar types in your area that are on the market. This information is vital in determining a price point because you will have an idea of what people will pay for your property, allowing you to set a competitive price.

Some real estate professionals turn to their peers, to get their opinion on what the property is worth and then take a poll including their own determination to give you the best figure.

LIKE this post for information on how properties are marketed.

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https://www.homesnap.com/VICTORIA-CAMARENA

If you’re ready to sell your house, you should also be prepared for the fees that are associated with it. This can be overwhelming to think about and understand, so I’m going to break down what types of fees and costs you might see on your ledger when all is said and done.

🔸 Staging and prep fees (anywhere from a couple hundred to a couple of thousand dollars)
🔸 Real estate agent commissions (6%)
🔸 Inspections and repairs (varies)
🔸 Closing fees (1% – 3% of the sale price)
🔸 Overlap costs (1% – 2%)
🔸Moving and relocation costs (varies)
🔸 Mortgage payoff (varies)

All in all, you should be prepared to spend about { 9 % } of the sale price on these selling fees.

Are you unfamiliar with any of these? Send me a DM and I’ll help you to better understand them.

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What’s Happening with Mortgage Rates, and Where Will They Go from Here? Based on the Primary Mortgage Market Survey from Freddie Mac, the average 30-year fixed-rate mortgage has increased by 1.2% (3.22% to 4.42%) since January of this year.

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The Best Week To List Your House Is Just Around the Corner Are you thinking about selling your house?

https://www.homesnap.com/VICTORIA-CAMARENA

In the current state of things, they’re pretty much the same thing! As we find ourselves spending more and more time at home, having a comfortable indoor and outdoor space to call your own is priceless.

Owning a home is one of the greatest feelings ever. For one, you’re successfully adulting! Yay! 😆

Seriously though, It really can’t be described in words or quantified in money. It’s simply a feeling. 💖💖

It’s a feeling that makes life’s challenges and the daily grind worth facing, knowing that no matter what happens, you have a place to retreat to that is solely yours.

It’s a place where loved ones can take refuge in it’s warmth and celebrate life’s wins together as a family. 👪🏠

It’s a place that never judges and always invites you in with open arms.

To me, that’s priceless. 🥰 What does home mean to you? Drop your response in the comments below. 👇👇

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https://www.homesnap.com/VICTORIA-CAMARENA

As a first-time homebuyer, you probably have a lot of questions circling your mind. So, let’s get them answered!

Here are some top questions (and answers!) first-time buyers typically ask:

✅ How do I know if it’s time to buy instead of rent?
If you know where you want to live, have a steady and secure income, and are ready for the responsibilities of homeownership, then it’s a great time to invest in property.

✅ What does the lender need from me to give me a loan?
Usually, you are asked to provide your last two tax returns to show proof of income. You should also provide recent bank and credit card statements and proof of your current pay rate. You will also be asked for your social security number so they can run a credit check.

✅ How do I know if I qualify for a loan and how much I can afford?
Contact a mortgage lender to get pre-approval for a loan. The lender will ask you some basic questions about your income and debts and can tell you what amount you can be approved for, and how much your mortgage payments will be. Ask me for my lender recommendations!

✅ How much do I need to save up for a down payment?
A conventional loan down payment is usually 20% of the sales price, but other types of financing require as little as 3.5% to 15%. A mortgage lender can tell you what types of loans you qualify for.

These are all questions that are important and can vary greatly. However, rest assured the first step to answering all of these questions and more is by contacting me today so we can put away some of those concerns and finally set your mind at ease. 😌

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https://www.homesnap.com/VICTORIA-CAMARENA

https://www.homesnap.com/VICTORIA-CAMARENA

The debt-to-income ratio is the percentage of your monthly gross income that goes towards paying debts.

Why is this important for you to know? It’s one of the ways that lenders determine your borrowing risk, for things like a home loan. If you have a low DTI, your chances of a loan approval are higher than if you have a high DTI.

So how exactly do you calculate your debt-to-income ratio? Take all your monthly expenses, including monthly rent or house payment; monthly alimony or child support payments; student, auto, and other monthly loan payments; credit card monthly payments (use the minimum payment); and other debts, then divide that total by your pre-tax income, that’s your DTI.

Simply put, debt-to-income ratio = monthly expenses / gross income!

Are you familiar with your DTI? Still not quite sure how to calculate it, or what should be included? Send me a DM with all your questions!

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