Protect Your Home Value in Oxnard, CA – Webinar with David Tovar – #OxnardRealEstate

Find Posts Relevant with First Mortgage Help, Nab Home Loans, Mortgage Broker Brisbane, Fha Mortgage and Oxnard Direct Mortgage Lenders, Protect Your Home Value in Oxnard, CA – Webinar with David Tovar – #OxnardRealEstate.

Protect Your Home Value – Supporting Our Neighbors in Oxnard, California – How To Get your Property Ready for the Spring Market!

To Our Neighbors in Oxnard, CA – Welcome… Because of COVID-19 we are holding this event virtually and will record it for all of you; These are Challenging Times and we must rise to the occasion to help all of us go through this tough period; So Let me address some resources…

Say You Can’t Pay your Mortgage… Contact your Mortgage Provider or Servicer and let them know your situation; Ask them if they participate in the Mortgage Forbearance Program announced by FHA due to COVID-19; You can request up to 180 Days – but most importantly you want to communicate…

Say You Can’t Pay your Rent… If you are a Renter there is NOT a program that has been created by Congress; You still owe your rent, but your Landlord cannot evict you; Your best resource is to apply for Unemployment Claim even if you are a 1099 this way you can pay your rent.

We Believe in Homeownership… My Brokerage, our Partners, and I believe in the American Dream of Homeownership; We also believe in Protecting your Home Value and Home Equity if you ever decide to Sell your Property; We do that by offering Educational Seminars to all our Neighbors…

Getting the Right Mortgage… Getting Qualified for a Mortgage Loan is very Important, so is picking the Right Person… Mortgage rates are low and look to remain stable for a while; Given the current conditions Sellers are going to be more open for Negotiation so decide if this is the Right Time to buy…

Selling your Property… The Process of Selling your Property or Home involves many steps and many professionals; But the most important Questions you must ask yourself are: Why are we Selling? and Do We have to Sell Right Now?

Home Improvement Advice… There are 3 things that people should be focused on before listing a house: Kitchen, Bathrooms and Floors. 1) have your house painted; 2) add a new flooring-carpet; 3) make sure all your mechanicals work properly such as water heater, water pressure, water draining, light-bulbs, washer and dryer, range, windows open and close, air conditioning, sprinkler system, roof, doors, etc.

Home Renovation Projects… There are some projects that can add not only more value but also desirability to the home. Kitchen Remodels and Bathroom Remodels are at the top of the most Value and Appeal to a home. Garden Projects can also add Curb Appeal that can make a property have a lasting memory in a buyer.

The FICO Credit Score… Your FICO Score is affected by your Credit History and the Lines of Credit you already have such as Credit Cards, Auto Loans, etc… Staying Current with your payments is the most important part; If you have No Credit you may want to start building it up by carefully using a Credit Card.

Your Taxes Play a Big Role… First thing you’ll need to apply for a loan is 2-Year Tax Returns and must be up to date. Taxes are involved in many aspects of our lives and it’s very important to consult a Tax Advisor before making important decisions such as buying or selling property and always file your taxes on time.

Home Insurance… Homeowners’ Insurance is required by every Mortgage Lender; People take out Homeowners’ Insurance for the same reason they take out car and health insurance: If a home is Damaged or someone else injured on the property, insurance helps with the financial consequences.

Market Reports for the Decision Process – What is a Market Report? What is a Market Report used for? How can a Market Report help in the Decision Process?

The Listing Process… What is a Listing Agreement? Does Marketing Play a Role in the Selling Process? What is the Role of Technology in the Home Selling Process?

Making The Offer Once You Decide… How is the offer made? What should be included in the offer to purchase? Who is the offer presented to? The Negotiation Process…

The Different Prices in Oxnard… What is the Median Price? The Current Median Home Price in Oxnard is: $539K. In 2019 = $520K in 2018 = $505K, in 2017 = $480K. Current Days on Market 52 Days.

Our Commitment… Our Commitment at EXIT Castillo Realty and that of all Our Partners is to make Home Ownership easy to understand and Open to all who seek it… We share our Expertise to empower you to make Good Real Estate Decisions. Feel free to reach out to any of us – We are here to help!

Thank you to All our Partners… A Very special Thanks to my Broker Lorenzo Castillo and to All Our Local Partners – You help our Neighbors with all their needs and you care about our Community…

David Tovar, Realtor / Associate Broker of EXIT Castillo Realty 418 W. Third Street, Oxnard, CA 93030 Text/Call #: (805) 444-6366

Related Hashtags: #OxnardHomesForSale #OxnardListings #OxnardRealEstateSales #OxnardPropertiesForSale #SellYourHome #ListYourHome #OxnardHomeSellers #OxnardHomeBuyers #DavidTovar #ExitCastilloRealty

Protect Your Home Value in Oxnard, CA - Webinar with David Tovar - #OxnardRealEstate, Oxnard Direct Mortgage Lenders

Oxnard Direct Mortgage Lenders, Protect Your Home Value in Oxnard, CA – Webinar with David Tovar – #OxnardRealEstate.

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Some Valuable Considerations When Picking A Refinance Home Loan Loan

Finding mortgage lenders is a vital part of buying a home. Or you can opt for a more precise quote by allowing loan providers to access your credit report. Home mortgage brokers are dedicated to serving you.

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People are always trying to find the best mortgage loan rate that they could get their hands on. While it may be tempting to handle the word of the loan providers for the low rate of interest on some of their mortgage loan products, the majority of these banks calculate the rate on a case-to-case basis. They normally identify the interest rate for each specific based upon a set of requirements.

Planning an early Mortgage payment technique means getting your debt and spending under control. Pay off high interest rate charge card, which means anything between 15-20%. The savings you make on your click through to the following web page payments will disappear with those. Better to look after the little stuff first, and then advance. Cutting spending is another method you can conserve cash that can be much better applied toward settling a mortgage early.

Other types of home click now are developed for specific home buyers. If you are buying your very first home, FHA loans are great. FHA loans are backed by the government, so loan providers are more likely to provide you the funding you require. You can also apply for a VA loan if you are a veteran. It is an excellent offer for veterans, due to the fact that a VA loan does not need the debtor to have a deposit like other loans do. There are other types of loans on the marketplace too, so do your research study to determine what is best for you.

This can be a predetermined quantity each month, you can assemble to the nearest $50 increment, you can just double the quantity that you are paying towards concept each month, or you can just do whatever you seem like in the minute. The point is, even if it is just an extra number of dollars, it will accumulate in time. Many of us have home loans that are thirty years terms. That is 360 home loan payments over the life of your loan (or more than 700 payments if you are paying bi-weekly) which is a great deal of chances to chip away at your home loan and pay it off rather.

The primary step is to ask your friends or family for recommendations of prospective mortgage lenders. Then call a number of loan providers and let them know that you’re shopping around for the very best rates. You may wish to discuss your needs with banks, credit unions, home loan business and brokers. Comparing loan strategies or plans will help you get a much better offer.

Legal Fees – when purchasing or refinancing a residential or commercial property, a lawyer gets involved and you will sustain legal fees. A legal representative can discuss more to you about the breakdown of expenses which can consist of lawyer standard expenses & disbursements, real estate tax and other changes, land title expenses, maybe title insurance requirements, and so on.

Normally, when you secure on a rates official source interest, you’ll have either 30 or 45 days to finish the refinance. Ensure you ask your lending institution the length of time you can lock on your rate, and the length of time it usually considers them to close on a refinance.

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Direct loan providers have the least options. Some borrowers pick to choose Mortgage s that run for 25 to 30 years. This is paid monthly and is consisted of in your home loan payment.