How to Buy a House With an Affordable Mortgage  Mama mia!  If I've said it once, I'll say it a thousand times:  You don't need to be a poor boy from a poor family in order to get an affordable mortgage!  Yes, you do need to be a first-time homebuyer.  Yes, your income needs to fall below the AMI or "area median income," which you can get a sense of at this link, Area Median Income Lookup Tool.  But beyond that, this sort of low income home loan can be very flexible and a great way to get your first place. An AMI, or low income mortgage, can be a great alternative to either jumbo or FHA, and for various reasons.  An affordable mortgage can improve your interest rate in some cases, reduce your PMI in others and it can even get you around the FHA loan limits in some counties, giving you mo... 02/07/2023

How to Rock a Mortgage Pre-Approval!!!   Buying your first home is a daunting task and can be a huge undertaking for the first-time buyer.  Shoot, even for a move-up buyer, the experienced downsizer or a seasoned investor, it can sometimes be difficult to know where to begin.  But getting a mortgage pre-approval often remains the best first step in the process, and it's also a likely reality that your Realtor won't seriously consider showing you property until you are either pre-approved or pre-underwritten by a mortgage lender or broker.  After all, it's really tough to know your purchase power and your budget if you don't know how much of a loan for which you can qualify. But buyers and borrowers got it bad (so bad!) because they don't teach "how to buy a home" in school.  So it's les... 06/23/2022

How to Rock Rising Mortgage Rates!!!   No doubt about it, since 2022 got underway, mortgage rates have been on a stairway higher and that makes it harder for our buyers to qualify for a mortgage on one hand and even when they do qualify, it puts additional strain on their household budget on the other. So how can buyers and owners keep their rate and payment as low as possible despite rising interest rates?  In this short video, I cover three classic ways to "fight the Fed:"  Paying discount points. Choosing an ARM over a fixed rate loan. Considering an interest-only mortgage program.  Wanna buy a home this year but not end up "house poor?"  Let's wind on down the road of some of the most effective strategies. Really makes me wonder,  Rob SpinosaSVP of Mortgage LendingGuaranteed RateNML... 06/09/2022

Cozy townhouse with wood flooring throughout the first floor. Spacious, carpeted bedrooms and a gated patio. Turn key and ready for a new owner. Great location that's within walking distance to Sonoma State and close to public transportation. One covered carport space and one uncovered designated to this home. Community pool, clubhouse, and tennis courts. ---->SELL YOUR HOME HERE 04/06/2021

New Asking Price $369,900 Cozy townhouse with 2 bedrooms, one and a half bathrooms, with wood flooring throughout the first floor. Spacious, carpeted bedrooms and a gated patio. Turn key and ready for a new owner. Great location that's within walking distance to Sonoma State and close to public transportation. One covered carport space and one uncovered designated to this home. Community pool, clubhouse, and tennis courts. ----->SCHEDULE A SHOWING BY CLICKING HERE 02/20/2021

Asking Price $375,000 Cozy townhouse with wood flooring throughout the first floor. Spacious, carpeted bedrooms and a gated patio. Turn key and ready for a new owner. Great location that's within walking distance to Sonoma State and close to public transportation. One covered carport space and one uncovered designated to this home. Community pool, clubhouse, and tennis courts. ---->SELL YOUR NEXT HOME HERE 02/06/2021

How Long Does It Take to Get Pre-Approved?  Many real estate markets in California move fast, but it's been this way for years.  When a hot property hits, perhaps there's a showing on Sunday (more on that in a bit, and in the context of COVID-19) and then offers are due on Tuesday, with some buyers scrambling to make a pre-emptive offer, if possible. This reality can run counter to some buyers' inclinations to get their mortgage financing in order by dipping one toe in the water at a time.  It's not uncommon for us to get a call that starts something like this:  "My partner and I are thinking about buying a home in the next 3 to 6 months, but we're first-time buyers and not really sure where to start.  We were told by our real estate agent that we need to get pre-approved and might have... 07/07/2020

These two Duplexes in Petaluma received a lot of attention, they both needed work and we priced them accordingly. Congratulations to the Sellers and buyer!   07/19/2019

From time to time one can feel the stress levels rise as the days and weeks get busier and busier. One sure cure to get me back in the pink, so to speak, is a quick get-away.That is exactly what my husband and I did yesterday afternoon--we skipped town.Just 90 miles north of San Francisco, yet a world away is Timber Cove Resort on the Sonoma County coast. After crossing the Golden Gate Bridge into Marin County, we opted to drive up the coast, along scenic Highway One through Mill Valley, Muir Beach, Stinson Beach, Olema, Tomales (home of scrumptious oysters) and Marshall. Soon we crossed the county line into Sonoma County and passed through Bodega Bay,  Jenner (at the mouth of the Russian River) and Fort Ross, a Russian settlement dating to 1812. A few miles further and we reached Timbe... 04/27/2019

Asking Price $585,000 Great location in a quiet neighborhood. This remodeled home is a single story has four bedroom and 2 full bathrooms with approximately 1400 living square feet. Updates in the remodel include the kitchen with granite counters, white shaker cabinets, master bedroom with dual vanity sinks. Open kitchen to the living and dining room with a large island, newer stainless steel stove, dishwasher , and microwave. Hardwood floors throughout with tile in the kitchen and bathrooms. Central heating, flat fenced backyard for a dog/kids  and grow a garden. Two car garage with built in shelving. Close to Highway 101 and schools.  http://www.homecb.com/624SaintFrancisDrive-Petaluma https://www.youtube.com/watch?v=VQHXm7y3Kag     04/21/2019

8174 Luisa Way, Windsor, CA 95492 For Sale $649,950 For more photos and detailed information, please visit: www.8174Luisaway.com      Home    Full Details    Photo Tour    Print Brochure    Property Map    Area Schools    Schedule a Showing    Email Property Info    Mortgage Calculator    About Me    Contact Me    Census Information    Feedback Form    Walk Score    Image Library Picture Perfect in Vintage GreensCome home to this 3 Bedroom/2.5 Bath, ~1831 square feet of comfortable living space, located in the desirable Vintage Greens Subdivision. Inviting curb appeal, charming front porch with views to open space, light and open floor plan and a colorful backyard await! The updated kitchen is perfect for entertaining and the family room boasts a cozy fireplace. Relax and unwind in the... 03/22/2019

Asking $749,000Come see this lovely rich green exterior, 4 bedroom, 2.5 bath, approximately 2200 living square foot home. master suite that has extensive walk-in closets and a large bathroom with separate dual showers, a soaking tub for two, a bidet, dual sinks, and lots of mirrors. The back yard is home to a majestic redwood with hidden meditation space under its branches. Two cherry trees, a lemon tree, and a pomegranate bush. Added value with Solar Panels.        07/22/2018

373 Sugar Maple Ln, Windsor, CA 95492 For Sale $565,000 For more photos and detailed information, please visit: www.373SugarMaple.com      Home    Full Details    Photo Tour    Print Brochure    Property Map    Area Schools    Schedule a Showing    Email Property Info    Mortgage Calculator    About Me    Contact Me    Census Information    Feedback Form    Walk Score    Image Library Perfect Starter in Great Windsor Location!A great find in a super location, across from Pleasant Oak park, 3 Bedrooms/2 Baths, 1230 sq.ft.+/-, a perfect home for the 1st time homebuyer. Fresh paint, new carpet, easy care laminate flooring, living room with cozy fireplace, updated kitchen featuring stainless appliances, recessed lighting, keyless entry and so much more! The good-sized backyard boasts a dec... 06/20/2018

iMetros offers special Santa Rosa Rebuild with Fire Resistant,  Steel Framed, Zero Net Energy Millennial HomesSanta Rosa Homeowners consider iMetros offers special Santa Rosa Rebuild with Fire Resistant,  Steel Framed, Zero Net Energy Millennial Homes iMetros introduces its Millennial Homes, which are steel framed, fire and earthquake resistant, produce their own energy and are green homes as a better option to Santa Rosa Homeowners who have lost their homes in recent CA fires.   Millennial Homes are Steel framed, fire and earthquake resistant, equipped with solar that produce their own needed energy, and are in compliance with CA 2020 energy mandate. Millennial Homes are Green, IoT (IoT stands for Internet of Things) Smart, meaning one can control and monitor all electronics and applia... 05/09/2018

Sonoma County is in Northern California approximately 40 miles N of San Francisco, with Santa Rosa as it's central hub. Along with it's neighbor, Napa, it's known for its beauty, world-class wineries, vineyards, and get-a-way destinations.  Visit Here For More Info: http://Parasol-Ranch.infoWelcome to one of Sonoma County's desirable and conveniently located view properties, crowned by an authentic and updated turn-of-the century two story Victorian farmhouse of nearly 1900 square feet. This classic, easeful, high ceiling residence sits within a 160+ acre sub-dividable ranch, plus it includes an adjoining separate 5+ acre parcel. This country property provides all the benefits of a comfortable and expansive lifestyle, while offering increasingly valuable 3 parcels potential, and tremend... 04/12/2018

Do you need an FHA home loan in the Petaluma area? America's Home Loans has exactly what you are looking for. As true mortgage brokers, we offer the following:  Down payment as low as 3.5% Loan amount to the county limit ($595,700) Credit score as low as 580 with the minimum down We broker with scores of lenders so we can match the best terms to your situation Wholesale mortgage pricing. Compare us and see what we mean by that Exceptionally smooth process No added broker fees--ever! Non-occupant co borrower is OK Lender credits to cover closing costs available  petalumamortgagebroker.com 02/22/2018

02/01/2018

For those of you who have been paying attention to the news, you know that this years flu is the worst in decades.  Here are some simple precautions anybody can take to try to keep yourself healthy at home.   1)  Get a flu shot.  It may not prevent getting the flu, but it can lessen the effects if you do get sick. 2)  Wash your hands often. This is the single most effective way to prevent spreading the flu germs to others, or to yourself.  It's good for those who are already sick, and those who are trying to prevent being sick.  Wash in warm water for 20 seconds. 3)  Isolate your toothbrush.  A lot of families put toothbrushes in  a community holder.  Segregate a sick family member's toothbrush from others.  In a perfect scenario, segregate every body's toothbrushes into their own holde... 01/31/2018

The Cascades is a condominium development in Rincon Valley. It is located on Mission Boulevard just off Hwy 12. It was built in 1987 and consists of 37 two-story units that range is size from 700 sq ft to 1188 sq ft. The Cascades circle around a central landscaped courtyard. There is only one gated entrance where owners need a key, and guests need to be buzzed in via an intercom system. Once inside the courtyard, all of the individual unit front doors can be accessed. Parking is subterranean and also secure. Each unit is allowed 2 spaces. The courtyard is nicely landscaped with mature trees shrubs and bushes. There is an inconspicuous pool behind a wood fence. The individually owned units have the following amenities: 2 stories Fireplace All electric kitchen, and patio Heated by forced ... 01/30/2018

Wikiup Village townhomes are located just north of Santa Rosa in an area referred to as Wikiup.  Wikiup Village is a planned unit development (PUD) of 38 attached townhomes.  They were built in a Spanish style with tile roofs, large beams, and stucco sides.  They are attached at the sides and all have private yards, and garages.  Each home has a fireplace, and washer and dryer hook ups. The homes range in size from 1000 sq ft, to around 1250 sq ft.  There are one and two story homes.   To learn more about the differences between condominiums, and homes in a planned unit development, click here: condo or townhome. The Wikiup Village is overseen by the Wikiup Village Homeowner's Association which is managed by Grapevine Property Management (541-6233).  There are monthly HOA fees which cur... 01/24/2018