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Author Archives: Kaye Dela Cruz

    What FICO® Score Do You Need to Qualify for a Mortgage?

    By Kaye Dela Cruz | October 8, 2019

    What FICO® Score Do You Need to Qualify for a Mortgage? While a recent announcement from CNBC shares that the average national FICO® score has reached an all-time high of 706, the good news for potential buyers is that you don’t need a score that high to qualify for a mortgage. Let’s unpack the credit score myth so... Read More

    Things to Avoid After Applying for a Mortgage

    By Kaye Dela Cruz | September 16, 2019

    Congratulations! You’ve found a home to buy and have applied for a mortgage! You’re undoubtedly excited about the opportunity to decorate your new home, but before you make any large purchases, move your money around, or make any big-time life changes, consult your loan officer – someone who will be able to tell you how... Read More

    6 Graphs Showing the Strength of the Current Housing Market [INFOGRAPHIC]

    By Kaye Dela Cruz | September 13, 2019

    Some Highlights: Keeping an eye on the current status of the housing market is one of the best ways to make powerful and confident decisions when buying or selling a home. Mortgage rates remaining near historic lows and houses selling in an average of only 29 days are just two key elements driving the strength... Read More

    Millennial Buying Power Poised to Boost Homeownership

    By Kaye Dela Cruz | September 11, 2019

    In a recent article by Realtor Magazine, Mark Fleming, Chief Economist of First American Financial Corporation, notes, “The largest group of millennials by birth year will turn 30 in 2020, which puts them entering their prime homebuying years”. The article continues to describe how millennials have more buying-power than the generations that preceded them, making their interest in embracing homeownership stronger... Read More

    Home Sales Expected to Continue Increasing In 2020

    By Kaye Dela Cruz | September 9, 2019

    Freddie Mac, Fannie Mae, and the Mortgage Bankers Association are all projecting home sales will increase nicely in 2020. Below is a chart depicting the projections of each entity for 2019, as well as for 2020.As we can see, Freddie Mac, Fannie Mae, and the Mortgage Bankers Association all believe homes sales will increase steadily over the next year. If you’re a homeowner who has considered... Read More

    A+ Reasons to Hire a Real Estate Pro [INFOGRAPHIC]

    By Kaye Dela Cruz | September 6, 2019

    Some Highlights: Hiring a real estate professional to help you buy your dream home or sell your current house is one of the most powerful decisions you can make. A real estate professional has the experience to help you confidently navigate through the entire process. Make sure you work with someone who knows the current... Read More

    How Property Taxes Can Impact Your Mortgage Payment

    By Kaye Dela Cruz | September 4, 2019

    When buying a home, taxes are one of the expenses that can make a significant difference in your monthly payment. Do you know how much you might pay for property taxes in your state or local area? When applying for a mortgage, you’ll see one of two acronyms in your paperwork – P&I or PITI – depending... Read More

    5 Reasons to Sell This Fall

    By Kaye Dela Cruz | September 3, 2019

    Below are 5 compelling reasons listing your home for sale this fall makes sense. 1. Demand Is Strong The latest Buyer Traffic Report from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. These buyers are ready, willing, and able to purchase…and are in the market right now. More... Read More

    A Recession Does Not Equal a Housing Crisis [INFOGRAPHIC]

    By Kaye Dela Cruz | August 30, 2019

    Some Highlights: There is plenty of talk in the media about a pending economic slowdown. The good news is, home values actually increased in 3 of the last 5 U.S. recessions, and decreased by less than 2% in the 4th. Many experts predict a potential recession is on the horizon. However, housing will not be the trigger,... Read More

    Top Priorities When Moving with Kids

    By Kaye Dela Cruz | August 28, 2019

    According to the Pew Research Center, around 37% of U.S students will be going back to school soon and the rest have already started the new academic year. With school-aged children in your home, buying or selling a house can take on a whole different approach when it comes to finding the right size, location, school district, and more.... Read More

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