Keller Williams Victor Valley

If you think that home prices are high now wait for interest rates to drop!

I’m a local realtor here in the High Desert . If you are tired of paying rent there are other options . Speak to a good lender who can advise you on first time buyer loans. Also if you are a Veteran there are good options for you. My personal goal as a Realtor is to turn renters into homeowners.
I work closely with a very a knowledgeable lender who specializes in all types of loans.
She also has many years experience and is also a Veteran.
Contact me so that we can answer any of your questions. I look forward to hearing from you. 😊🇺🇸

Just a quick note to perspective home sellers. There are many ways to sell your home these days. My advice as a seasoned realtor is to study your local market for listed and solds. Also interview more then one realtor. Every realtor is different. It’s easy to list your home and place it in your local MLS with photos and then sit back and wait for a good offer.
Or what I have better success with is to market to qualified buyers who are looking for a home like yours. Maybe they like your floor plan, location school district etc. I compose a letter specifically to these buyers. Doing this helps you get a better
offer and most importantly your home will not sit without action.

There are many other pointers that help you
obtain a good offer. Please reach out to me
with questions regarding buying and selling. Having been in Realestate for such a long time I have worked with many of my clients in every type of market.
I look forward to hearing from you 😊
Becky McDonald
310-923-8006
01046790

As a realtor here in the High Desert recently I was sitting back and thinking of all the homes and families I’ve helped thru out the years. And believe me Ive been a realtor before the Fax machines came out.😂

When I first started out with Real Estate I didn’t know if I was going to like it. I saw
agents stressing during escrows and there was so much paperwork . I didn’t know if this was going to fit my personality . But I knew I had to give it a try since I had studied so hard to pass the state exam.

After a few months I realized that I was going to like it. I listed a vacant lot in Spring Valley Lake and then sold a home in Apple Valley. And then my career took off.!!

During my 33yrs. Ive met the most amazing
families . They started out as my clients and within time became my friends. Part of being in realestate Ive had to deal with real life events. Like divorce , death, etc.
I learned that every family or individual has something going on in their life’s. And if I could be a small part helping them thru
realestate then I was in 100%.

Today I try to give sound advice to families trying to become home owners or those needing to sell. Thru out my career I have always believed in personal knowledge.
As the saying goes”Knowledge is power”.
Having Knowledge helps us make sound decisions.

For me as a realtor I make sure I’m available
for everyone who may have questions or need help with realestate needs. You can reach out to me here on FB or thru my cell
number. And Ill get back to you as quickly as I can.

Becky McDonald
310-923-8006
BRE # 01046790

Little Sierra following in Granny’s footsteps 🎵♥️

As a realtor for many years I feel it’s my obligation to advise buyers and sellers of what is happening in our current Realestate market. The interest rates have been fallen slowly in 2023 and will continue to fall in 2024. What does this mean for buyers and sellers? While many buyers have been waiting to buy it will mean that the buying
competition will increase. Which will bring the home prices up.

As many may have remembered a few years back when interest rates dropped it was very hard for buyers to buy because of all the competition . Many buyers were offering above the asking price and offering cash to seal a deal. Homes were selling in record time with multiple offers. I called this the Gold Rush Days. When this was happening I felt bad for first time buyers who weren’t able to compete with seasoned buyers who had the cash.

So as we get started into 2024 and interest rates drop it will be harder for first time buyers.
My advise is to look into buying soon. The first step is to speak to a lender and realtor.
Find out what type of loans you qualify for.
Learn your buying options . Knowledge is were its at. The more you know the more power you’ll have.

Buying when interest rates have not quite
dropped will save you money. Why? Because home prices are still reasonable .
A interest rate will be able to be refinanced ,
but what you paid for a home is permanent . Those that bought during the Gold Rush days really didnt get a good deal because they paid more for their home .

If you would like more information contact me through text or PM me here on FB.

As a realtor going on 33yrs. I have worked with so many families from so many backgrounds . My priorty has always been
working hard no matter what obstacles my clients have had.

Have a great week😊 Stay warm and safe.
I look forward in hearing from you.

Becky McDonald
310-923-8006
BRE # 01046790
Keller Williams

Good morning Just a quick note . The Realestate market is changing. Interest rates are dropping which means homes will be selling faster and buyers will have competition getting into a home.
My advice for buyers is to speak with a realtor and a good lender to obtain your loan options. If you are thinking of selling
speak with a realtor regarding the selling
process.
As a realtor I feel it’s my obligation to educate my clients and share valuable information regarding the current Realestate market.
Please reach out to me with your questions or help with lender referrals.
Have a great day! Stay safe and warm.
PM me here on FB or text me with the number below.
Becky McDonald
310-923-8006

😂😂

When your dog keeps getting hurt and the 2024 vet bill budget is 🤏

Just a quick note regarding the current realestate market. As predicted interest rates are starting to go down . Which means that home prices will go up. While this could be a good sign for sellers this could mean heavy competition for buyers.
A few years ago when interest rates were historically low buyers where having major problems getting their offers accepted and were offering over asking price and even adding cash to their offers.
So my advice to anyone thinking of buying
is to speak to a lender and get prequalified
now before this happens.
If you need a referral or have questions please free to reach out to me here on FB.
Becky McDonald
Keller Williams
310-923-8006
01046790

As many of heard in the media the Feds are
planning to start slashing interest rates if the economy is looking good. Many home buyers are waiting for this to happen.
But with interest rates dropping it means that sellers will get more for their homes. And buyers will have big competition .
Basically it’s about supply and demand.
Step back a few years when the rates were at a historical low. The buyers were going crazy and doing anything to get into a home. Offers were over listing prices and buyers were even adding cash to their offers. So despite the low rates they were paying more for their homes.
My advice is to buy now and speak to a lender and realtor find your loan options.
When you buy you will always have the option to refinance your loan when rates start falling .
As a local realtor I feel it’s important for me to give advise and help educate buyers and sellers.
Please contact me with any questions.
Feel free to P.M. me here on FB or text me at the number below.
Becky McDonald
310-923-8006
Keller Williams

As a realtor I hear questions from many like Can I qualify? Is it a good time to buy? Is it better to rent.? The answer to all of these questions starts with Personnel Knowledge.
Learning about your personal loan options and also about the current housing market is where all the answers lie.

Speaking with a Realtor and a lender can help you learn your buying options or help you prepare to qualify for a home loan. Many of my clients need help with their FICO scores which together with my lender we help them rescore their credit.

Buying in this market is a good time to buy and take advantage of seller and lender closing costs opportunities. . When interest rates decrease home prices will go up. And when they rise home prices will drop. It’s basically supply and demand.

When interest rates were at 2.5% the market was very competitive for buyers.
Buyers were offering over asking price and offering cash in order to have their offers accepted. So was that a good deal to wait for the rates to drop.? The answer is obviously NO.!!

Rentals will continue to go up and renters basically have no control . With buying your monthly mortgage payment is locked in and you have options of refinancing.

So at the end I know you’ve heard it before
”Knowledge is Power”. And with Knowledge it can help you make decisions and also help you meet your goals.

I work with a very good lender answering your questions and helping you prepare for home ownership. 🏠

I look forward to hearing from you and answering your questions and help
you learn the home buying process.

Becky McDonald
310-923-8006
DRE # 01046790

Are you a Vet. or have bad credit ?
With higher interest rates many perspective
buyers are not aware of the incentives sellers and lenders are offering . Buyers are taking advantage of seller credit for closing costs or interest buy downs. Also lenders are offering the same options. With interest rates higher then a few years ago it’s a good time to buy. Many are waiting for the rates to drop but when rates are low home prices rise. And the market gets very competitive. Also buyers options are minimal. Basically it’s all about supply and demand.

VA loans offer no down payment, no PMI which means lower mortgage payments.
Also there’s easier loan approval because of relaxed credit standards. Those who are not Veterans and have lower FICO scores
will find lenders helping with repairing credit so that you can obtain a loan.

I personally as an experienced Realtor make it my mission to help Veterans and those with low credit scores become home owners. Together with a very knowledgeable lender who is also a Vet. we work hard together helping a Vet. or a first time buyer that needs help.

My best advice if you are thinking of buying is to reach out so that you can obtain your personal loan options. So you think your credit score is going to stop you from buying think again. The more knowledge
you have the closer you’ll get to your dreams.
Contact me to get started in learning more about your Credit Report and loan options available to you. Working on your Credit Score is free of charge. I’m interested in getting you ready to obtain a home loan
and help you learn your buying options.😊

You can contact me here FB or thru my cell number.
Becky McDonald
310-923-8006
DRE # 01046790

😂😂

😂😂

😴😵‍💫

😂😂😂

This made me giggle! This man has quite the sense of humor!!

Let’s face it we all need a place to call home. 🏠
In todays market many buyers are skeptical whether to buy or not. As a realtor my priority is to educate my buyers and sellers
on todays market. Interest rates have been going up and home prices have been dropping. I know many have been waiting for interest rates to drop in order to buy. But really is this a good idea.? A few years
ago when interest dropped to 2.5 % buyers were jumping thru hoops to get into a home. This meant writing offers over asking and then offering cash above their offer. This was a horrible idea.!!! Home prices went thru the roof and the competition resembled the Gold Rush Days!

When interest rates go up home prices go down. Just like in our current market. Your interest rate is never permanent. While what you paid for a home is permanent. Home owners have options like refinancing, or speaking to their lenders regarding new lending programs available to you.

The advantages in buying now is that sellers who are selling their homes now are offering buyers help in closing costs and even helping with interest rates buy downs .
Lenders also have programs to help with these issues. The advantage buyers have now over renting is that they have a locked in 30 yr. mortgage which can’t be obtained
when renting. And the competition to buy is very low.

My advise is to always speak to a lender or realtor who can help you learn your personal options in buying a home.

I have good lenders who I work with including VA loans . My VA lender is a veteran herself and can help not only with a good loan but also docs needed by the VA in order to obtain a loan.

My best advise is to learn your options and then make your decision before renting.
If after you have done this and still want to rent I can help you with that. 😊

For more information leave a message here on FB or text me at the number below.

Becky McDonald
310-923-8006
DRE # 01046790
Keller Williams Realty, Inc.

Hesperia Lake

Hello Veterans 🇺🇸 I’m a local realtor and I want to reach out to Veterans. The VA is offering interest buy downs right now. You can obtain an interest rate as low as 4.25%.
The best way to take advantage of VA loan options is to speak to a lender who is knowledgeable in VA loans. I have a lender who is a Veteran and can explain to you your personal options. She also can help you optain the documents from the VA to help you get started.

Right now the market is starting to pick up with more homes available. But I’m still encountering sellers who are offering closing costs credit.

If you would like more information or have questions please PM me here on FB or text at the number below. I look forward to hearing from you.

Becky McDonald
310-923-8006
Keller Williams Realty
DRE # 01046790

Happy Friday 😊. Here’s a quick update on today’s interest rates. Interest rates are about 6.70%. They are still below historical averages.
As much as many buyers are waiting for interest rates to drop which is the forecast for April 2023. Here’s an important thought
to consider. When interest rates drop home prices rise. Mainly because there’s more buyers which means home prices will go up. One thing to remember is that your interest rate is never permanent. As rates go down you have options of refinancing.

In todays market sellers are willing to help buyers with closing costs or interest rate buy downs. A few years ago when rates were very low buyers were thinking it was a good time to buy but many ran into problems.
The buyers were having so much trouble buying that many we’re having to offer cash above the asking price. When a home came on the market it was common to see 20 offers on one home. So at the end it wasn’t such a good deal.!!

My advice is to consider speaking to a good lender and finding out your buying options. Also very important to get a Pre Approval vs a Pre Qualification. In a Pre Approval the lender will review all your financial docs and give you your best options. And this will also help you close an escrow successfully.

There is so much more helpful information that if you have questions I love being that source for you. You can contact me here on FB or P.M. me and even text me.
Becky McDonald
310-923-8006
Keller Williams

Happy Easter to all the families out there!
Enjoy your family & Friends.🐣🥙

Looks familiar 😂😂

Good Day to everyone 😊. Here’s a quick update on our local housing market . Interest rates as of today Monday the 27th of Feb. are around 7.05 % for a 30yr. fixed .
And around 6.31% for a 15 yr. fixed.

As all loans rates are unique to each borrowers financial situation. I also would like to stress VA loans. Veterans have always been close to my heart as my Dad was a WWll Vet. VA loans offer no down payment , lower monthly payments as there are no Private Mortgage Insurance. ( PMI).
And for first time buyers it’s easier to qualify because of relaxed credit standards.

The forecast for interest rates are that about 18 to 24 months will start to go back down. One thing to remember is that when interest rates drop home prices go up. Like a few years ago when the rates were low the competition to buy a home became very difficult and home prices went thru the roof. And buyers were paying more to get a home. My philosophy is this “ marry your home and date your interest rate. You will always have the options to refinance when the rates start dropping. Your mortgage will always be the most expensive part of buying a home.

I’m always available to answer any of your questions or concerns . I also work with a very knowledgeable lender who can help a Vet. obtaining documents needed from the VA to obtain a loan. She happens to also be a Veteran herself and will help to answer questions regarding all types of loans.

Have a great week and stay warm.
Becky McDonald
310-923-8006
DRE #01046790

Vintage photo of Hesperia Hotel

Yup been there😂😂

❤️❤️

Happy Presidents Day!! Here’s a quick update on mortgage rates. As of today the rate for a 30 year fixed is 6.88% . And for a 15 year fix it’s 6.30%. These rates are the average here in California. The forecast for interest rates for 2023 is predicted to continue to drop. VA rates are 6.642% for a 30 yr. fixed.

Rates are unique to each borrowers financial situation. It’s best to check with a lender to get specific numbers . As interest rates go down home prices go up. And when rates go up home prices go down.

Currently sellers are helping buyers with closing costs or buying down interest rates.
Because the market is slower they’re eager to help a buyer. Many of my clients are waiting for the interest rate to drop. But it’s best to buy now when home prices are coming down. You can lock your interest rate in and as they drop you will always be able to refinance. The most expensive part of owning a home will always be your amortized mortgage.

If you have any questions regarding buying or selling. Feel free to text me or leave a PM here on FB. If you happen to be a Veteran and are thinking of buying I can connect you to a VA lender who can answer all your questions.
Have a good day and be safe .😊

Becky McDonald
310-923-8006
[email protected]

The current market is the slowest market since 2008. Homes are on the market longer with fewer buyers. Many are saying it’s a bad time to buy. But really it’s a good time to take advantage of sellers offering to help with closing costs or buying down interest rates. Many are waiting for interest rates to go down. Well that could be a long wait.

The best time to buy is when the interest rates go up home prices go down. Buying now means you can lock in your interest rate . If they go down you will always have the option of refinancing. The most expensive part of being a homeowner will be your loan amortized over 30yrs. So as I advise Marry a home Date your loan.

If you’re on the fence about buying speak with a local Realtor in your area and with a
lender. Obtaining information on your current finances from a lender can give you valuable information on loan options available to you.

If you would like more information on buying or selling please feel free to contact me. I’m a local Realtor here in the High Desert and I’m always here to answer your questions.

Besides Real Estate I enjoy learning about the history of the High Desert. The photos below are of the Hesperia Hotel built in the late 1800’s. It unfortunately it was demolished in the early 1960’s.

Becky McDonald
310-923-8006
[email protected]