Verceluz Realty

"Remembering and honoring the brave souls who have sacrificed everything for our freedom. This Memorial Day, let us reflect on the sacrifices made and the values we hold dear. Grateful for the heroes who have paved the way for us. 🇺🇸
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Thank you 2022! 🙏 Welcome 2023! 🥳

Happy New Year! 🎆

Merry Christmas! 🎄🥰❄️

May this season bring you lots of love and joy.

"Be thankful for what you have; you'll end up having more. If you concentrate on what you don't have, you will never, ever have enough."
- Oprah Winfrey

VA loans can help make homeownership possible for those who have served our country.

What are the benefits:
✅ As low as 0% Downpayment
✅ Better Terms and Interest Rates
✅ Limited Closing Costs

Who is eligible?
✅ Active duty Personnel
✅ Veterans
✅ Members of the Reserves and National Guard
✅ Eligible Spouses

Reach out to us today to make your dream of homeownership possible and take advantage of the VA loan program.

Clean your house, empty your closet and pack up your knick-knacks to make your house feel bigger.

In short, DECLUTTER, DECLUTTER, DECLUTTER! 🧹

You'll need to pack those things up anyway when you finally sell your house. Why not do it now, right? 🤷🏻‍♂️

Follow for more seller tips. 🔥

It's the end of the month. Your rent is due again. Have you considered getting your own house 🏡?

Here are the numbers in Temecula, CA from last month's data to give you a quick overview of how much you need for monthly payments.

If you are interested to find out the numbers in a different city, feel free to chat with me.

** The estimated monthly mortgage payment assumes a 30-year fixed-rate mortgage (FRM) at a 5.22% interest rate. Payment also includes an assumption of 1.38% for property taxes and insurance.

*** Reports are updated with last month's data by the third week of the current month

Would you live in one? 🏠🔑

Closing Costs are fees paid at closing and are typically 3-6% of the loan.

So who pays for it?

No law dictates who should pay for it in California. In a typical transaction, both homebuyer and seller each pay their closing costs. However, certain closing costs are usually paid by the buyer and some by the seller.

I only have money reserve for down payment. Can I still get a house?

There are closing cost assistance programs that can cover your closing costs based on your qualification.

Connect with your trusted Real Estate Agent to discuss your options and more about closing costs.

How long does a pre-approval usually last?

The timeframe varies by lender, but a mortgage pre-approval is typically good for 90 days.

Contact us to connect you to a trusted Lender that can help you make your dream of homeownership a reality.

Myth: You need to save 20% Down Payment to purchase a house.

Fact: There are a variety of programs to choose from. Such as FHA, VA, and USDA which only require 3.5% up to as low as 0% Down Payment.

Talk to your trusted Real Estate Agent to get more information about these programs. Your agent can introduce you to a trusted loan officer to match you with the best program available for you.

Today is the 21st year to honor the fallen heroes and victims of 9/11.

Let's commemorate this day and may everyone be healed from the trauma that the event had caused to many Americans.

#911