Real Estate with Alicia Galbraith

Thinking about buying a home? It’s important to know how mortgage rates can affect your monthly payment. Because even a slight change in rates can have a big impact. Overall, rates have been trending down lately. So, this could be your chance to make your move a reality. Send me a message today if you want to talk about starting your search.

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

5 Things Needed for Pre-Approval 🏠✅

1️⃣ Proof of Income: Recent pay stubs, tax returns, or other income documentation.
2️⃣ Proof of Assets: Bank statements or investment accounts to show your financial reserves.
3️⃣ Employment Verification: A letter from your employer or recent pay stubs confirming your job status.
4️⃣ Documentation: Personal identification and any additional paperwork required by your lender.
5️⃣ Acceptable Credit: A good credit score and history are crucial for loan approval.

Get these documents ready to streamline your pre-approval process!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

CREDIT SCORE MYTH VS FACT

- Myth: You should keep a running balance on your credit card to help boost your score.
- Fact: Paying off your credit in full each month means you'll have a solid payment history, which can help boost your score.
Keeping a balance doesn't improve your score and could lead to unnecessary interest payments. Paying off your balance shows responsible credit usage, which is beneficial for your credit score.

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

'Doubt kills more dreams than failure ever will.' — Suzy Kassem

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Benefits of Buying versus Renting

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Why an Experienced Lender Matters in a Competitive Market:
✔ Faster Process ⏱️
✔ Constant Clarity and Updates 📢
✔ Access to Tailored Loan Products 🛠️
✔ Strong Relationships with Realtors 🤝
✔ Confidence in Closing ✅
Partner with an experienced lender to gain an edge in today's competitive real estate market!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Mortgages: Benefits of a Bridge Loan

1️⃣ Facilitates Seamless Transitions
2️⃣ Quick Access to Capital
3️⃣ Flexibility in Moving
4️⃣ Avoid Contingency Sales
5️⃣ Opportunity for Renovations
6️⃣ Leverage Home Equity
7️⃣ Customizable Loan Terms

A bridge loan helps smoothly transition between selling your home and buying a new one. 🏡🔄

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Balance is Not Something You Find, It's Something You Create.

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Securing your financial future with confidence! 🔒✨ Did you know mortgage interest rates can change daily, even hourly? Locking in your rate protects you from market fluctuations, ensuring your rate stays the same until closing. Rate locks typically last 30, 45, or 60 days, giving you peace of mind as you explore your mortgage options. Find a rate that suits your needs today! 🏡

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Here are the latest housing market statistics for Riverside County! If you'd like more detail on the market, what's available or how much your home might be worth, let's set up a meeting to discuss!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

MORTGAGE OPTIONS FOR SELF-EMPLOYED BORROWERS

- Bank Statement Loans
- Profit and Loss (P&L) Loans
- Stated Income Loans
- 1099-Only Loans
- Conventional, FHA, and VA Loans

Find out these choices to find the perfect mortgage solution for your unique situation.💪

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

"You can’t have a better tomorrow if you are thinking about yesterday all the time." - Charles F. Kettering

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

🌟 Home Buying Tips 🌟

Ready to make your dream home a reality? Here are 5 essential steps to get you started:

1.Start Saving Early 💰
2.Check and Strengthen Your Credit 📊
3.Get Pre-Approved 🏦
4.Buy a home you can grow into and will fit your future needs 🏠
5.Consider Maintenance Costs and Surprises 🛠️
Begin your journey with confidence and make informed decisions every step of the way!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

🔑 Buyer Tip: Improve Your Chances of Getting Your Offer Accepted!
Get pre-approved by your mortgage lender to:
✔️ Strengthen your offer
✔️ Understand your budget
✔️ Make home shopping smoother
Get ahead in the game and find your dream home with confidence! 🏡💪

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

"If you can't stop thinking about it, don't stop working on it." — Michael Jordan 🏀💪

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Hello August! 🌞 Embrace the new month with fresh opportunities and endless possibilities. Let's make this month a memorable one!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Here are the latest housing market statistics for Chino, CA! If you'd like more detail on the market, what's available or how much your home might be worth, let's set up a meeting to discuss!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

A house is made of bricks and beams. A home is made of hopes and dreams.

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

🌉🏡 Considering a bridge loan? Discover how this financial tool can smooth your path to homeownership by covering the gap between selling your old home and buying your new one. Learn about the benefits and how it can make your move easier! 💼✨

Click the link in our bio to find out how a bridge loan can benefit your home-buying experience!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Benefits of Getting Pre-Approved for a Mortgage 🏡✅

1. Increased Negotiating Power: Strengthen your position with agents and sellers.
2. Time Savings: Focus your search on homes within your budget.
3. Better Offers: Improve your chances of securing your dream home at a great price.
4. Faster Closing: Speed up the home buying process.
Ready to take the next step?

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

POV: WHEN RENTERS SAY THEY CAN’T AFFORD TO BUY A HOUSE

Did you know?
Renting is like paying 100% interest every month…
That’s right! Every rent payment is money that you’ll never get back. 💸
But when you buy a home, your payments build more than just a roof over your head.
Here’s why owning beats renting hands down:
→ An Investment That Grows: Your home’s value typically appreciates over time.
→ Building Equity: Each mortgage payment increases your ownership in your home.
→ Predictable Costs: Lock in your mortgage and say goodbye to unexpected rent hikes.
→ Tax Benefits: Enjoy potential deductions come tax season.
→ Freedom to Customize: Paint the walls, renovate the kitchen—make it truly yours.
Plus, your future mortgage could be on par with, or even less than, your rent. Why not invest in your future?
Comment the word ‘YES’ if you believe you and your family deserve better!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

If you can change your mind, you can change your life. -William james

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Here are the latest housing market statistics for Riverside county, CA! If you'd like more detail on the market, what's available or how much your home might be worth, let's set up a meeting to discuss!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Hey real estate agents, say goodbye to last-minute surprises. Our advanced system provides real-time disclosure of fees. Join us for a transparent and reliable homebuying experience. Let's connect.

ALLIANZE MORTGAGE
NMLS # 346138
DRE # 01403147
☎️ (562)464-1480
✉️ [email protected]

Home is where love resides, memories are created, friends always belong, and laughter never ends!

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Unlocking the power of home equity can be life-changing for seniors. 🏡💡 Ever heard of a HECM loan?

⭐️ It’s not just about eliminating mortgage payments; it’s about securing peace of mind and financial flexibility for the future. Take this scenario:

⭐️ A senior with a home valued at $1.4 million but facing a $1,800 monthly mortgage payment, while their income barely covers $1,000.

💰 Enter HECM: it erases the mortgage, grants a $240,000 equity line for future needs, and preserves the cherished home they’ve lived in for 20 years.

🚫 Without it, they’d be forced to sell and rent for $3,200 a month.

It’s not just about dollars and cents; it’s about preserving independence and comfort in one’s golden years. If you or someone you know could benefit from this financial lifeline, or if you’re simply curious about how HECM could transform your retirement, let’s connect. Together, we can pave the way for a brighter, worry-free future. 🌟💰🔑

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

Set up automatic transfers from your checking to savings account monthly. 💸
2️⃣ Put aside raises, bonuses, and tax refunds. 💵
3️⃣ Skip costly vacations for a year. 🌴🚫
4️⃣ Reduce monthly expenses such as streaming or eating out. 🍽️📉

Start saving smart and make your dream home a reality! 🏡✨

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]

You can’t control what happens in the broader economy or how it impacts mortgage rates. But you can control the controllables. And if you’re looking to buy a home, your credit score is one big area you could focus on. A good score can help you secure the best rate possible – and that’s especially important today.

ALLIANZE MORTGAGE
NMLS # 346138
DRE # 01403147
☎️ (562)464-1480
✉️ [email protected]

Success is not in what you have, but who you are.

Alicia Galbraith
NMLS # 1900681
DRE # 02009508
☎️ 951-275-3929
✉️ [email protected]