The home buying process: What every home buyer needs to know I have been representing home buyers and sellers as both a lender and/or a Realtor for about 15 years in the Stockton / Sacramento area. Whether you are a seasoned buyer closing your 10th home or a first time home buyer (FTHB), knowing the […]
Buying a Home After Short Sale or Foreclosure
I have learned a lot in my 10 years as a loan officer and Realtor. I would say that the most important thing to know about real estate is that nothing stays the same; the rules are in a constant state of change. When the housing market crashed, lenders tightened the rules to make it […]
The Expert
Several years ago I lost some clients to another agent. I will admit it was a painful experience and a real kick to my ego. But, unwilling to let it happen again and in an attempt to grow from the experience, I asked the buyers what it was their new agent had to offer that […]
Credit Repair Made Easy
How much would you pay to have perfect credit; $100, $500, $1000?! There are literally hundreds of credit repair companies who are more than willing to take your hard earned money with a promise to hand you back the perfect credit report. For someone with bad credit, paying a company $500 to raise their credit […]
Your Credit Score
What is a credit score? Your credit score, more commonly referred to as a FICO score, is a number that helps lenders determine your credit worthiness. The FICO score, which was developed by Fair Isaac Co., uses a complex mathematical formula to develop a score based on your credit history. Credit scores range from 300 […]
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