June is National Homeownership Month, and this is a great time for people to start looking into the importance of buying your own home. There is a lot of information below that will help people make the right decisions, and it is useful for everyone to learn a little bit more about homeownership. Each step on the list below will make it easy for you to come up with the plans to buy a house or at least start looking for something that you will love.

1. How Does Home Ownership Change Your Life?
Homeownership changes lives and enhances futures because it allows people to invest in a space that is all theirs. This is a great place for people to raise their kids, and it is a space that will be their own for as long as they want to keep it. Owning a home can be a lot of fun if you want to make changes to that home or expand it over time, and many Americans see it as one of their greatest hopes. Changes in life progress much smoother when you have a house that serves as your home base for everything.

2. Getting A Good Deal
Everyone who is thinking about shopping during homeownership month should look into getting the best price, planning to maintain that home over many years, and having a plan in mind about the kind of house they want. Most people who are trying to come up with a plan to buy a house will start looking without knowing specifically what they want. It is much smarter for people to start looking with these parameters to go by.

3. Finding an Agent
Homeownership is something that will go much smoother with the help of an agent. Finding a new house, putting your current house on the market, negotiating, touring, and getting the sale done all by yourself can be overwhelming and time-consuming. You can have an agent do much of that work for you. Remember that the agent you pick can change at any time; do not sign an exclusivity agreement with an agent because you might need to find someone else who better meets your needs down the road.
The agent that you hire should start looking for homes the moment you have talked to them about finding a place. The best part of this process is you do not need to look if you do not want to. Some people will want to send suggestions to their agent, but other people will need to remember that they can totally change the way that their agent searches by sending just a couple of suggestions. You can tour homes, decide what you like, and make changes when needed.

4. Building Equity
You can build equity in your home by paying into the mortgage. The beauty of the mortgage is that you can pay it off at any time, and you will get your money back as home prices rise. Someone who does not owe very much on their home will have a very easy time getting the sale done, and they will find that they can make enough money to go and buy a new house. This is always the best path for you, and you will find a lot of buyers that will come out because it is homeownership month.

5. Get Pre-Approved
Buying a home is harder when people do not know how much they can afford. A pre-approval letter is a good start when shopping for a home, and it can be used when you are talking to someone about the price of the house. The only way for you to turn buying a home from a hope into a reality is to make sure that you have come up with a plan that you think is best for you.
You can ask your agent to look at financing options that you might benefit from, and you can shop around for a loan until you come up with something that will be best for you. It is very easy for you to get the house that you want if you have coordinated with your loan officer and your agent. These two people together can make your life much easier. Remember to ask the loan officer if they have any special loans that are made just for people like you.

6. How Long Does It Take?
You might not close your home during National Homeownership Month, but you can get a jump start on the process. You will see the difference in how you are looking at your future, and you will feel as though you can start planning for the future in a way that makes the most sense to you. Plus, you will start to come up with plans that will help you start to raise a family or grow your family. It all depends on what you think would be the best option for you.

Conclusion
The best part of buying a house is that it is all yours. You can make changes to that house with no trouble, and you will find that you can make money on the house when you sell it. People who are cashing in their equity will be much happier with the way that they are managing their finances. There are many people who would like to get something that will give them more space, or they might move to a new town where they have always wanted to live. Buying a house makes it much easier for you to change your life.

If this is your dream, make it a reality today by contacting The Banaga Group at 800-552-3362 or by visiting us at http://www.christinabanaga.com/

Are you ready to explore Southern California’s first Zero Net Energy townhome community in the heart of the Irvine Business Complex? Features like upgraded energy-saving appliances in these homes include washer and electric heat pump dryer, refrigerator and Kitchenaid® induction cooktop with double oven as well as a 4KW Solar Panel. Centrally located with easy access to the 55, 405 and 73 freeways for a get anywhere commute.

• Starting at $799,990
• Up to 2,171 sq. ft.
• 4 Bed/3+Bath
• 2 Car Garage
• 3 Stories

• UV-Blocking Windows – Lets the sunshine in while deflecting heat and UV rays that up energy bills and damage furniture
• Climate-Sealed Home – Creates an energy-saving barrier for conditioned air using state-of-the-art spray foam insulation

• Health-Promoting Barrier – Reduces space for pests and pollutants by sealing exterior walls and attic
• High-Performance Air Filtration – Improves indoor air quality by reducing indoor allergens and pet dander
• Healthier Building Materials – Promotes a safer home environment by not introducing chemicals that may cause health issues
• Fresh Air Management – Helps to maintain high air quality by regulating airflow and filtration throughout the home

• Temperature-Regulating Features – Promotes consistent temperatures in every room
• All-Season Windows – Keeps you cozy all year long by cutting down on air leaks & creating a temperature barrier
• Noise-Reducing Spray Foam – Helps to keep outside noise out and inside noise in, for quieter homes & happier neighbors

• Meritage has been building better for more than 30 years, and as we build the cornerstone of your life, we’re in your corner every step of the way.
• Experience & Expertise – After 30+ years and over 100,000 homes, Meritage is still committed to being a partner you can trust.
• Higher Standards – Meritage raises the bar on homebuilding because your home deserves the best.
• Proven Success – Meritage is a nationally recognized homebuilding leader who does things differently, and it has people talking.

Schedule a showing today! Contact us at 800-552-3362

STUNNING formal Lennar model home in the beautiful community of Chardonnay Hills. This home sits at the end of a quiet cul-de-sac and has spectacular views of Temecula Valley. Home has special custom features such as built-in entertainment/shelving units, custom closet cabinets in the master bedroom, crown molding, travertine tile, wood flooring and more! Downstairs the office features wood flooring, French doors, and beautiful shutters. The oversized kitchen has everything a chef could desire and overlooks the family room, dining kitchen area, and the formal dining room. Upstairs has a large loft as a bonus room and the bedrooms with each having its own special additions. The Master Suite has a built-in dresser and beautiful views of the valley to enjoy from your retreat or just as you wake up. The master bathroom has marble counters, soaking tub and separate shower. The 4-car garage has an epoxy floor, built-in shelving, cabinets, and upper storage racks. The large yard has mature trees, fire pit, BBQ grill with refrigerator and a huge side yard ideal for entertaining or a future pool. This home is ideal for anyone who wants lower taxes to be close to all the best of Temecula and has a taste for the best things in life!

If you are looking to buy or sell your home in the next year or so there are some things you should know about the 2019 home buying market. There are many factors that come into play when you are buying or selling your home. One of the main things you need to look at is the home buying rates. The rates greatly affect how much you should list your house for and how many homes you should look into buying. Other factors that can be dependent upon the 2019 home buying rates include supply and demand, type of house for sale, the property taxes, and the desired area.

History of Home Buying Rates

Throughout history the rates that are set by the market significantly influence how much home people buy, when they decide to buy, and if they decide to buy or rent. In 1981 the mortgage rates were at an all-time high and averaged about 18.6%. They reached an all-time average low in 2012 when the market crashed and it hit about 3.3%. Since 2012 mortgage rates have remained low with most home buyers getting a rate between three and five percent. Recently, there has been news about mortgage rates rising so experts are keeping an eye on the market and suspect that the rates for 2019 will stay above five percent.

What Do Higher Mortgage Rates Mean For Buyers?

Higher mortgage rates mean that you will be paying more for the home you want. For instance, if you were buying a home in 2012 when the mortgage rates were at an all-time low the interest that you would have been paying on your home would be very low. Today the interest rates are a little bit higher but when you are purchasing a home for hundreds of thousands of dollars the interest rate you get can significantly change your monthly payment. Each tenth of a percent can add money to your monthly payment. Before jumping right in and purchasing your new home you should talk with your lender or an accountant about how the interest rate will affect your specific circumstances.

Higher mortgage rates also mean that you may have to buy less home. In the past, if you were looking into purchasing a home you may have been preapproved for $250,000. If you went back today to the same lender with the same qualifications, you may only be preapproved for $225,000 because of the changing interest rates. When mortgage rates increase, your maximum approval rate may drop and ultimately limit your home buying potential.

While higher mortgage rates tend to limit your home buying potential there can be a bonus to having a higher interest rate. When the interest rate is high the average price per home tends to drop a little bit compared to the expected price. This is because the year over year price slows. It is predicted to be only 3.4 percent in 2019. When the price slows it means you could get the house you desire because sellers will most likely list their homes for less money.

When mortgage rates increase there are also fewer people looking to buy homes and this means that there is less competition for buyers. You may have a better selection of homes and not have to worry about the home you really want getting multiple offers. You will most likely be able to close on a house for the asking price or a little less because there are fewer buyers.

What Do Higher Mortgage Rates Mean For Sellers?

In the past, the CA home buying market and other home buying markets have been a seller’s market. The sellers often received multiple offers for their home and this drove the price of homes higher than the listing price. In the CA home buying market sellers often received cash offers, conventional offers, FHA offers, and were given the option of which buyer they wanted to go with. Today, the higher mortgage rates are affecting the 2019 home buying market and leveling the playing field between buyers and sellers.

Average home prices have risen fifty-two percent since 2010 but experts knew this growth was not sustainable. With the mortgage rates increase, the housing prices are dropping and sellers are having to list their homes for less than they would have expected. If you are selling your home you may want to do it sooner rather than later, because experts are predicting that mortgage rates are only going to increase in the next year. While many people may not be able to list their house for as much as they hoped, you can optimize your sale by listing it during the Spring and Summer when houses typically get the most money. You can also wait until there is low inventory in your area so that you have a better chance of getting offers from multiple people.

How To Get A Good Mortgage Rate

If you are looking to buy a home in the next few months or a year you want to make sure you get the best rate you possibly can. Since each tenth of a percent can cost you thousands over the life of your loan you want to consider all of your options. Make sure you have a good credit score because this is one of the main factors lenders will look at. A better credit score can mean you are able to lock in at a better interest rate. Since rates are expected to increase you will most likely want to have a fixed rate to prevent your rate from going up once you lock it in.

If you go to your first lender and are unhappy with the mortgage rates they are able to offer you, go to a different lender. Make sure that these lenders are not doing hard checks into your credit because your credit score can lower with each check. You should be able to give them a rough estimate of your credit score and any debts that you have and in return, they can estimate your score.

This charming single-story home is nestled in a quiet neighborhood in the heart of West-Murrieta. A 3-car garage, picket fence and red door with matching shutters greet you into the bright formal living and dining room with large windows, vaulted ceilings, and sky-lights. Upon entry on the left is the office/den with glass pane double-doors. Adjacent is the family room with fireplace and access to the backyard and open-concept kitchen. The kitchen features white cabinetry, crown molding, and eat-in space front of its large bright windows looking out to the backyard. The backyard features a covered patio area. The paved stones guide you throughout the yard under full trees, and mature fruit trees and well-maintained potted plants. Open hallway takes you to the guest full-bath with separate vanity room, conveniently for two bright bedrooms. The laundry room with cabinets and direct access to the garage. Across the hall is the master bedroom with double doors, vaulted ceilings, two large closets and window with shutters with views to the backyard. The large master bath also has vaulted ceilings and sky-lights brighten the double sinks, separate shower/bath and private toilet closet. This outstanding home is just under 2,000 sq. ft. and this ideal location features low taxes, no HOA and top rated schools!

Welcome Home! Charming and Quiet in the Hills of Murrieta Beautiful single-story home located in the hills of this highly desired area of Murrieta. Home offers an open floor plan and natural lighting from windows throughout. Upon entering the front door to the formal living & dining rooms large windows & vaulted ceilings. Across the way you will find two cozy sized bedrooms and a full bathroom with upgraded cabinetry, counter-tops, flooring and vanity mirror. The Laundry room with more cabinets and access to the garage. The kitchen offers cabinets and counter space including breakfast bar open to the family room/den area offering a cozy fireplace. The master suite has vaulted ceilings and on suite master bath with upgraded counter-tops, dual vanities and more cabinets, spacious his & hers closets with access to the backyard with covered patio, mature foliage and views of west Murrieta… brings a serene feeling to this wonderful property. Nearby schools include Tovashal Elementary School, Thompson Middle School and Murrieta Valley High School.

This friendly community shares a wonderful park, club house, pool and spa, very low rent-controlled space rent. This home features a private yard with mature fruit trees including peach, plum, avocado, guava and orange! This bright and spacious mobile home welcomes you to a covered porch where you can enjoy time with family and friends. As you enter the home enjoy the spacious formal living room with vaulted ceilings, sky lights and ceiling fan.

Private Master Bedroom is off the living room with a walk-in closet and featuring a spacious Master Bathroom with a soaking tub and separate shower. On the opposite side of the home features two spacious bedrooms that share a full bathroom and a large private den that is great for family enjoyment or a private office.

The open-concept upgraded kitchen is bright with sky-lights, stove, microwave, European quartz counter tops, refrigerator and cabinets open to the dining and family room to create great enjoyment for entertaining and family gatherings.  The laundry room is off the kitchen and includes washer/dryer, cabinets and access to the backyard and attached carport with room for up to 3 potential cars and a built-in shed. Additional features include air conditioning, vinyl windows and newer laminate wood flooring throughout! This beautiful mobile home is truly a wonderful home to call your own and centrally located to everything North County San Diego has to offer! Click here for more photos

For additional amenities click here 2907 S. santa Fe spc 25,San Marcos, CA

This home features an inviting entry with wonderfully landscaped flower beds and features a separate custom entry to the private RV parking area.  As you enter the home you are greeted with hardwood floors throughout, cathedral ceilings and an over sized brick fireplace with custom shelving.  The large windows provide a bright and airy space for entertaining and enjoying family time.  Off the living room is the formal dining area with hardwood floors as well.  The eat in kitchen features tile floors and counters, a bay window overlooking the yard, ample pantry space and a cozy sitting area to enjoy entertaining.  Convenient access through the kitchen to the backyard you find the charming garden, covered patio with lighting, flowering rose bushes and sheds for more storage! Upgraded resurfaced ceilings, updated water heater and energy-efficient windows throughout the house are just a few more special additions.  The bedrooms are brightly lit sharing a full guest bath. The master bedroom features a walk-in closet and in-suite bath. The convenient laundry room connects to the garage which features custom cabinets lots of storage for the DIY family or hobbyist. The location is close to the freeways and restaurants, shopping, parks and schools within only 5 miles. This home won’t disappoint anyone and is a sparkling clean for your family to make it your home!

This home is tranquil and peaceful ready for you to call it home! A beautiful single-story home off the historic route 66 in the city of Fontana!  This home sits in the great development of The Vanguard community and is centrally located with the local schools and shopping areas.  This home features a brand new 2 car garage door an updated kitchen with a lovely updated window that looks out to the neighborhood and an eat in dining area that flows to the cozy living area with fireplace and sliding glass door to the spacious and gated patio and garden. Great updates also include newer energy efficient windows, shutters and many other special updates. The 3 bedrooms with large windows and shutters are bright and airy. The master bedroom features dual closets and convenient access to the backyard as well! The master bathroom with dual sinks. The yard is a wonderful space for entertaining featuring a large aluminum patio cover ideal for great outdoor living with family and friends. This home is a wonderful opportunity for a starting family! You simply can’t pass this up!

This perfectly maintained home features beautiful upgrades and is centrally located near shopping, restaurants, entertainment and great schools. A spacious vaulted entry way leads you to the stylish interior with hardwood flooring  and neutral paint in all of the interior. Wonderful floor-plan with a downstairs bedroom and full bathroom. Upgraded master bathroom with granite counter tops and exquisite tub and shower. In the backyard, you’ll enjoy the lush green grass, planter boxes and covered backyard patio perfect for BBQ. The kitchen features stainless steel appliances, granite counters and modern light fixtures. Rental rate includes gardening services. Please reach out to coordinate a viewing