Lower Rates - Better Tech - Real People
Home Loans Blog
Rate Lock Advisory
Legal & State Licensing
Credit Score eBook
Termite Report eBook
Staying Approved eBook
9 Steps to Owning eBook
- VA Refinance
- FHA Streamline
- USDA Streamline
- HARP Streamline
- VA Home Loan
- FHA Home Loan
- USDA Home Loan
- Conventional Home Loan
- Down Payment Assistance
What Clients Say
Leave a Testimonial
Home Loans California & Arizona
When is it a Good Time to Buy a House in California
September 6th, 2015 1:20 PM by Nathan Rufty
Buying a house in California is always a good time and what better time than now. Purchasing a home in California is a long term investment with advantages.
When looking to buy a house in California, explore all your options whether it is your first, second or multiple times purchasing property, you should think long term. This is a home, where your family can start, grow or expand and start new chapters in your life.
It is always a good time to buy real estate in California, yes values go up and down. That is where the long term investment plans a key role in your decision to purchase. Whether you buy at the height or the low of the market, you will always gain equity in the property because the values will increase and you will be paying your loan down month after month.
I speak with homebuyers in California daily and I hear a lot of reason to buy now or wait. The ones that buy now, always come out ahead than those who wait. The ones that wait and call me after a year or two, always say "I should have bought last year" or I should have bought when I first spoke to you."
Not everyone is in the position to buy a house now, due to credit, income or down payment. Those buyers, taken the proper steps will be homeowners one day. Always give yourself a reason to speak with a loan officer in California about your desire to purchase a home. The best thing can come out of it is, you will know where you stand when buying a house. If you can not purchase now, than you will at least know what you need to do in the future to be in the position to one day own a home.
I know advise from family, co-workers and friends are valued but speaking with someone that is in the business and stays abreast of the every changing lending guidelines will be your best resource. As loan officers we need stay informed of guideline changes and new products that come to the market where we can inform and educate our borrowers of the new developments. I do not speak to my friends who are in construction about my medical issues, that is what my doctor is for.
The reason I support you buying a house now is, when you set a budget on how much you are willy to spend towards a mortgage payment each month and you can purchase because you meet the income, credit and down payment requirements, then what is stopping you from buying a home in California? Is it fear, is it lack of knowledge about the home buying process or you think you do not qualify because of something you heard from another person?
That is why you need to speak or sit down with a mortgage loan officer and discuss your
needs and goals
of owning a home. The process of buying a home in California is not that difficult when working with the right licensed knowledgable loan officer that only has your best interest in mind. I have been in the home loan business since 1988 and have assists thousands of people purchase and refinance real estate in California. Over those years one thing remains consent, those who bought real estate on a fix rate mortgage seem to come out ahead that vast majority of the time than those who could not or should have bought a home because the lack of the 2 items, credit and income.
Real estate by far is one of the safest investments you will buy in your life time, because you will always month after month will be reducing your balance. Yes you have the ups and downs, but if your mortgage is a home fix rate, then you will not have the fluctuations in the payment. The stock market losses and gain in such dramatic swings you can loss more than you gain. Look at the vast majority of wealth in our county, if you were able to look at their portfolio of investment, I can bet you more than 50% is invested in real estate.
You do not have to have a truck load of money to buy a house, there are programs like
that are 100% financing, no money down purchase programs. With available
down payment assistance
home loan programs in California, FHA and Conventional home loan programs are still an option to own a home.
if you are trying to time the market on when to buy a house, guess what you will loss. That is why Las Vegas has the money and you don't, do not gamble when purchasing property, just do not. In the long run you will come out a winner because you set a budget and a goal with yourself and your loan officer on what you are looking for when exploring your options to purchase a home.
After 23+ years in the mortgage business, I meet incredible people that I had the privilege of working with and I treat my clients the way I would like to be treated. Sometimes the truth hurts when someone tells you, "You can purchase a home at this time". Believe you me, I do not like saying that to anyone. But once we set a plan so that one day you can buy a house in California, you will be in a better situation to afford a home. That is one of the main goals, once you are able to buy a home, you continue to own that home til the day you pay it off or sale it and made a profit. You are not looking to purchase real estate to one day loos it through a short sale or worst a foreclosure.
I welcome the opportunity to work with you and explore all options so that your goals and budget are meet when looking to buy a house in California. My goals is to make the process of purchasing a home as smooth, stress free and enjoyable as I possibly can. Connect with me
or call or text me direct at 909-503-5600. I look forward in speaking with you very soon.
100% financing, usda home loan, purchase
buy a house in california
purchase a home in california
buy a home in california
purchase a house in california
Posted by Nathan Rufty on September 6th, 2015 1:20 PM
Post a Comment
Subscribe to this blog
Avondale AZ HomeReady loan program, What is it and who does them
Buckeye AZ HomeReady loan program, What is it and who does them
Goodyear AZ HomeReady loan program, What is it and who does them
Glendale AZ HomeReady loan program, What is it and who does them
Peoria AZ HomeReady loan program, What is it and who does them
Want to purchase a home with NO money down?
Who Does the USDA purchase home loan in Wickenburg AZ
Kingman, AZ, Buy a house on the USDA Home loan with no money down
Sedona AZ USDA purchase home loan program, who does them
Payson AZ USDA purchase home loan program, who does them
Quartzsite AZ USDA purchase home loan program, who does them
Yuma AZ USDA purchase home loan program, who does them
How to buy a house with no money down in Surprise AZ
Parker AZ USDA purchase home loan program, who does them
How to buy a house with 3% down payment in Surprise AZ
Who does the Home Ready loan program in Surprise AZ
Jumbo Home loans in Surprise AZ, who does them
USDA Home Loans In Surprise AZ, Who Does Them?
FHA Home loans in Surprise AZ, who does them
VA Home loans in Surprise AZ, who does them
Who does Down Payment Assistance home loan programs in Surprise AZ
Who does the USDA home loan program in Surprise AZ
Who does Jumbo home loans in Surprise AZ
Who does the FHA home loan program in Surprise AZ
Who does the VA home loan program in Surprise AZ
Helendale Ca Usda Home Loan, No Money Down Purchase Program To Buy A House
Lake Arrowhead CA, no money down on the USDA home loan program to buy a house
Who does the USDA loan program in Running Springs CA with no money down
Crestline CA USDA purchase home loan, buy a house with no money down
Who does the USDA home loan program in Cherry Valley CA
Adelanto CA USDA home loan program to buy a house with no money down
Who does the USDA home loan in Kingman, AZ, no money down purchase program
Wickenburg AZ USDA home loan, who does the no money down purchase program
Tehachapi CA USDA home loan, no money down purchase program
USDA purchase home loan program in Yucca Valley CA, who does them
Borrego Springs CA USDA home loans, who does them
Who does the USDA purchase home loan program in Brawley CA
USDA home loans in Blythe CA, who does them | 909-503-5600
VA Home Loans in Upland, Who Does Them?
FHA Home Loans in Upland, California Who Does Them
Home Ready purchase loan program at 3% down payment in Ontario, who offers that
Down payment assistance home loan programs in Ontario, who does them
VA home loans in Ontario, who does them in Ontario, California
FHA home loans in Ontario, who does them in Ontario, California
Home Ready purchase loan program at 3% down payment in Fontana, who offers that
How does the USDA home loan work in Arizona
How to buy a house using the USDA home loan program in Riverside County California
Down payment assistance home loan programs in Fontana, who does them?
VA home loans in Fontana, who does them in the city of Fontana, CA
FHA home loans in Fontana, who does them | Your FHA Specialist
How buy a house using the USDA home loan program in Riverside County California
USDA home loan is a no money down program for California buyers
Who does the VA home loan program in Arizona to buy a house
USDA Home Loan is a No Money Down Payment Program for Arizona buyers
Who Does the USDA Home Loan Program in San Bernardino County California
Who does the VA home loan program in California to buy a house
How does the USDA home loan work in California | No Money fo the Down Payment
California First Time Home Buyer Tips. How to start your journey to owning a home?
How to buy a house in California with little or no money down
What are some Down Payment Assistance Home Loan Programs in California
Who Does the Freddie Mac Home Possible Loan Program in California
Who does the Fannie Mae HomeReady Mortgage loan program in California
Do I Need a Termite Inspection Report When Buying a House?
Who Does FHA Purchase Home Loans in Fontana, CA
Why Did My Mortgage Payment Go Up When My Rate is Fixed?
8 Factors to Consider When Buying a House in California
Who Does VA Purchase Home Loans in Rancho Cucamonga
How Much Does it Cost to Buy a House in California
Who Does USDA Loans in California to Buy a House
When is it a Good Time to Buy a House in California
First Time Homebuyer Down Payment Assistance Loan Program
Down Payment Assistance Home Loan Programs in California
Who Does Lending for FHA Home Loans in Ontario CA
Who Does VA Home Loans in Ontario CA 909-503-5600
Loan Officer in Ontario CA for FHA, VA and USDA home loans
Loan Officer in Rancho Cucamonga - VA, FHA & USDA Loans
How to Buy a House in California with No Money Down on the USDA Home Loan Program
I Owe More on my Loan Than What the House is Worth, what Options are Available?
What type of Home Loans are in Ontario CA to Buy a House?
How Can I Refinance my California House with no Equity?
How to pick the best loan officer in Ontario CA for a home loan
Three Tips to Try and Get a Mortgage Approval When Buying a Home!
Refinance your Rancho Cucamonga home with no Appraisal!
Can I purchase a home with no money in California?
How to Lower my Home Mortgage Interest Rate in California?
How Soon Can You Buy a House After a Foreclosure or Short Sale
Buying a Home or Selling a House in Rancho Cucamonga, CA
VA Home Loan - No Money Down to Buy a House in California
What is a HUD Section 184 Home Loan in California
How to Buy a House with No Money Down in California
It is Time to Refinance Your Home in California to Remove Mortgage Insurance?
How to Hire a California Real Estate Agent That Has Your Best Interest in Mind!
How to Write an Effective Purchase Contract in California When Buying a Home with Your Agent
USDA Home Loan Program in California - How to buy a home with no money down!
Rancho Cucamonga California VA refinance home loan to reduce the interest rate
I have bad credit can I still buy a home is Rancho Cucamonga California?
How can I refinance my FHA loan to remove the monthly mortgage insurance in California?
How to Purchase a Home with No Money Down
How can I remove my FHA Monthly Mortgage Insurance on my current home loan in Rancho Cucamonga?
Purchasing a home with the FHA loan program in Southern California!
How can I purchase a home with NO money down in San Bernardino County California?
Should I Refinance my Home to obtain a Lower Interest on my Home Loan!
I Have No Money to Purchase a Home for the Down Payment or Closing Cost, Can I Still Purchase a Home in California?
How Do I Get Rid of My FHA Monthly Mortgage Insurance?
How to Purchase a Home as a First Time Home Buyer in California's Tough Real Estate Market
How to Choose the Right Real Estate Agent to Sell or Purchase a Home in Rancho Cucamonga CA
We Have an Under Utilized Home Loan Program That Most Real Estate Agents and Homebuyers Are Not Aware Of
How Can I Buy A Home With No Down Payment in Southern California?
Should I Sell My Rancho Cucamonga Home as a "For Sale By Owner" or Utilize the Services of a Realtor?
2 Ways you can purchase a home with no money down in California?
Can I Qualify For The HARP 2.0 Refinance Home Loan Program Before it is Set to Expire on December 31st 2015?
Rancho Cucamonga, CA Homes for Sale are still affordable for many home shoppers.
QR Code Phone App for Smart phones to figure monthly mortgages on the go.
How do I purchase a HUD REO home for sale as a First Time Homebuyer in Rancho Cucamonga, California?
How to get rid of FHA Mortgage Insurance to lower my mortgage payment?
10 Ways to have a smooth and successful home loan experience!
Is there such a thing as a “No Closing Cost Home Loans" in Rancho Cucamonga CA
What is the difference between a Pre-Approval and a Pre-Qualification?
What is Consider a First Time Home Buyer in California!
How Can I Purchase a Home With No or Very Little Money Down?
If you had a Bankruptcy, Short Sale or a Foreclosure, here is when you can purchase a home again.
What should I do when applying for a home loan?
Know The Correct Homeowner Insurance Coverage Here In California!
Little-Known Sources for FHA Down Payment & Closing Costs
Look at HUD Homes to Purchase in California!
Buying a Home in This Tight California Housing Market.
Why You Should Short Sale Your Home Verses a Foreclosure.
Why You Need a Licensed Real Estate Agent to Buy and Sell a Home in California!
3 Valuable Tips for Home Buyers This Summer In California
Down payment assistance programs to purchase a home.
Do you need a Real Agent to sell your home or become a For Sale By Owner
Calculate My Monthly Mortgage Payment!
How soon can I buy a home after a Bankruptcy?
2nd Time Homebuyers Re-Entering Back to Homeowership!
100% Financing for Active and Retired Veterans in California!
VA Home Loan program to purchase your First Home?
What are you waiting for to purchase a home?
What you should consider before you purchase a home in California!
Difference between a 15 and 30 year term mortgage!
Down payment assistance programs in California for First Time HomeBuyers!
Mortgage interest rates, where are they headed?
Looking for the best loan to purchase a home in California?
We are lending at 100% Financing!
Looking to roll your closing cost in the loan?
VA home loan program offers 100% Financing in California!
Info on FHA Mortgage loan Types
Requirements Regarding FHA Loan
Avoid Getting Denied for FHA Home Loans in California
Use a VA Home loan to purchase with ZERO down!
FHA Loans and What They Truly Are
Reasons for Getting FHA Loans in California
Smaller Down Payments of FHA Loans in California
Is FHA In Charge of Paying For Damaged Properties
Things to Know About FHA Loans
Applying for FHA with Debt Problems
Learn More about FHA Adjustable Rate Loan
Information on FHA Loan Types
Requirements for FHA Loan
When is it a good time to purchase a home?
How to Get the Best va Mortgage Loan
Learn about homepath loans
Rancho Cucamonga Refinancing
I do not have money to purchase a home in California, where can I find it?
Getting pre-approved home loan rates California
California Loan Options and Mortgage Rates
Top 10 Things to Bear in Mind When Shopping for a Home Loan
How to Read Your Credit Report
VA Loans for Qualified Lenders
FHA Streamline refinance mortgage.
Finding the Best Refinancing Rates
How to Get California Home Loans
Reasons to move in Rancho Cucamonga home loans
What college to choose in California
How to almost buy a house in Rancho Cucamonga
California Mortgage Rates and Mortgage Refinancing Considerations
California Home Loan
5 Mistakes Home Buyers Do
Understanding fha loans
The Importance of VA Loans
Do I qualify for a FHA loan to purchase a home?
How interest on mortgage works
Understanding the nature of home loans
100% Financing on VA and USDA Loans
Short sale versus foreclosure
California mortgage rates
Steps on purchasing a home in California!
Rancho Cucamonga home loan
What are VA home loans?
What is a short sale?
What you should know about USDA loans
How to buy a California HUD owned home!
6 Considerations in Prepaying Your California Mortgage
I have a Fannie Mae or Freddie Mac loan, Can I refinance without an appraisal?
Purchasing a home in California has not been so affordable than now!
Rancho Cucamonga, California homes get competitive!
9 Things to Remove from Your Home Before Listing It For Sale!
No money down home loan in California!
Tips When Buying a Home
Shopping For a California Home Loan
First Time California Home Loan Applicants
Challenges in Finding the Best Home Loan in California
California Home Loans
Time to purchase a home is NOW in Rancho Cucamonga, California
FHA Streamline Refinance in Rancho Cucamonga, California
Getting prepared to purchase a home in Rancho Cucamonga, CA!
Working with the right Licensed Mortgage Professional!
30 year fix mortgage rate verses a 15 year fix mortgage rate in Rancho Cucamonga, CA
How to sell/sale my home/house in Rancho Cucamonga, CA
How to increase the value of your Home in Rancho Cucamonga!
Explore the possibilites on lowering your FHA home loan rate!
10 Commandments When Buying a Home!
Buying season is upon us!
Today the Rate is at 3.50% on a 100% loan program!
Purchase a home in Rancho Cucamonga with NO money down!
Where are the interest rates going?
San Bernardino Mortgage Credit Certificate Program
Deceptively Simple Ways to “Shop” for a Realtor® That’s Right for You in the city of Rancho Cucamonga, CA
6 Ways to Increase Your Business!
Detoxing can be Healthy!
Why Credit Scores are Like a Pieces of Pie!
Nine Missed Lead-Generation Opportunities that Everyone Forgets About!
How to say Thank You in the hand written word!
Ready, Set, PURCHASE!
Looking for service you can relay on!
Grant Funds available for Military Veterans!
How much home can I purchase with my rent payment?
Purchase and Purchase NOW!
Southern California housing Market!
What to do with my Federal Tax refund?
Renting in the city of Rancho Cucamonga, CA
Have no equity in your Home to refinance?
Swap your rent payment for a mortgage payment!
Where to find money for a down payment to purchase a home?
VA home loan program 100% financing!
Your FHA loan has a refinance option!
Refinance without an Appraisal!
Looking at a Home that requires a little or a lot of TLC?
Looking to purchase a home?
What your credit says about you!
Owning a Home in 2012!
Owning a Home!
Do not forget about tax deductions!
No Appraisal Refinance!
One Loan at 100%
Interest Rates on a home loan today!
Rehabilitation Loan the FHA 203K
EEM (Energy Efficient Mortgage)
HomePath Loan Program
USDA - Rural Housing Home loan program
Investors looking to finance their properties!
15 year term verses a 30 year term
August 2019 (2)
July 2019 (5)
June 2019 (4)
May 2019 (5)
April 2019 (4)
March 2019 (4)
February 2019 (4)
January 2019 (4)
December 2018 (6)
November 2018 (2)
October 2018 (5)
September 2018 (4)
August 2018 (3)
July 2018 (5)
April 2018 (1)
January 2016 (1)
December 2015 (1)
November 2015 (1)
October 2015 (1)
September 2015 (2)
July 2015 (2)
June 2015 (3)
May 2015 (3)
April 2015 (1)
March 2015 (1)
February 2015 (2)
January 2015 (4)
December 2014 (5)
November 2014 (1)
October 2014 (2)
September 2014 (3)
August 2014 (1)
July 2014 (2)
June 2014 (2)
May 2014 (3)
April 2014 (3)
March 2014 (3)
February 2014 (3)
January 2014 (1)
December 2013 (1)
November 2013 (4)
July 2013 (2)
June 2013 (1)
May 2013 (3)
April 2013 (4)
March 2013 (5)
February 2013 (2)
January 2013 (4)
December 2012 (8)
November 2012 (22)
October 2012 (21)
September 2012 (4)
August 2012 (9)
July 2012 (3)
June 2012 (5)
May 2012 (4)
April 2012 (5)
March 2012 (5)
February 2012 (4)
January 2012 (7)
December 2011 (4)
November 2011 (2)
October 2011 (7)
September 2011 (1)
August 2011 (1)
100% financing Surprise AZ, zero down payment Surp (1)
100% financing, usda home loan, purchase (3)
1st time home buyer programs, purchase home loans (2)
3% down payment home loan surprise az, low downpay (1)
Aha home loans in Ontario, Ontario FHA home loans, (1)
Avondale AZ HomeReady, Avondale AZ HomeReady home (1)
Borrego Springs USDA Home Loans, Borrego Springs U (1)
Buckeye AZ HomeReady Loan Program, HomeReady Home (1)
buy a house with no money out of pocket, 1% down p (1)
buying a house (1)
buying a house, first time home buyer (2)
california homebuyer's downpayment assistance, fir (1)
Down Payment Assistance in Fontana, fontana down p (1)
Down payment assistance Ontario, Ontario Down paym (1)
Down Payment Assistance surprise az, surprise az D (1)
FHA home loan surprise az, Surprise AZ FHA home lo (1)
FHA home loan upload, FHA loan upland, FHA home lo (1)
FHA Home Loan, purchase home loans (2)
FHA Home Loan, purchase home loans, VA home loan (1)
fha home loans in fontana, FHA loans in Fontana, F (1)
FHA home loans surprise az, surprise az fha home l (1)
FHA loans, purchase loans (1)
first time home buyer california, first time home (1)
Freddie Mac Home Possible, Freddie Mac Home Possib (1)
Goodyear az homeready, home ready Goodyear az (1)
HARP Refinance (2)
HARP Refinance, va irrrl (1)
Home ready loan surprise arizona, surprise Arizona (1)
Home ready loans in fontana, homeready loans in fo (1)
home ready ontario california, homeready mortgage (1)
HomeReady home loans Glendale AZ, Glendale AZ Home (1)
HomeReady Mortgage California, California HomeRea (1)
how usda home loans work in arizona, arizona usda (1)
jumbo home loans Surprise AZ, jumbo loans Surprise (1)
Jumbo home loans surprise az, surprise az jumbo ho (1)
loan officer, purchase, refinance (2)
No Money Down Purchase Programs, purchase programs (1)
Payson AZ usda home loans, usda home loans Payson (1)
Peoria AZ HomeReady, Peoria AZ HomeReady loans, Pe (1)
property taxes, home purchase (1)
purchase home loans (1)
purchase home loans, home loans (1)
purchase home loans, purchase programs (1)
Refinance loans, refinance program (2)
Running Springs CA USDA Loans, USDA Home Loans in (1)
Sedona AZ USDA home loans, USDA home loans Sedona (1)
Tehachapi CA usda home loans, usda home loans in T (1)
USDA Home Loan, purchase (1)
USDA Home Loans Brawley CA, USDA Loans Brawley CA, (1)
Usda home loans Crestline ca, Crestline ca usda ho (1)
Usda home loans Helendale CA, Helendale CA usda ho (1)
Usda home loans in Adelanto ca, usda loans in adel (1)
USDA home loans in California, USDA loans in Calif (1)
USDA home loans in cherry valley california, usda (1)
USDA Home Loans In Surprise AZ, USDA Loans In Surp (1)
USDA Home Loans Kingman AZ, Kingman Arizona USDA L (1)
Usda home loans Kingman, az, Kingman az usda home (1)
Usda home loans lake arrowhead ca, lake arrowhead (1)
Usda home loans Parker az, Parker az usda home loa (1)
USDA Home Loans Quartzsite AZ, Quartzsite AZ USDA (1)
Usda home loans Surprise AZ, Surprise AZ usda home (1)
Usda loans Blythe ca, USDA home loans in Blythe ca (1)
usda loans in arizona, arizona usda loans (1)
Usda loans in riverside county, riverside county u (1)
Usda loans in San Bernardino county, San Bernardin (1)
usda loans Yucca Valley, usda home loans Yucca Val (1)
USDA Loans, USDA Loans in California, California U (1)
VA Home Loan, purchase programs (3)
VA Home Loan, purchase programs, selling a house, (1)
VA Home Loan, purchase programs, va home loans (1)
Va home loans in fontana, va loans in fontana, fon (1)
Va home loans Surprise AZ, Surprise AZ va home loa (1)
Va loans california, va loans in California, veter (1)
Va loans in Arizona, Arizona VA loans, Veterans Lo (1)
VA Loans in Surprise Arizona, VA Home Loans Surpri (1)
Va loans Ontario, VA home Lonas ontario, Ontario v (1)
veteran home loans upland, upland veteran home loa (1)
Who does usda home loans in riverside county, usda (1)
Wickenburg AZ USDA home loan, Wickenburg AZ USDA h (1)
Wickenburg AZ usda home loans, Wickenburg AZ usda (1)
Yuma AZ USDA Loans, USDA Home Loans in Yuma AZ (1)
My Favorite Blogs:
Sites That Link to This Blog:
Add a new blog comment
Characters from the image above:
Your entry does not match the image, please try again.
Subscribe To My Blog
Characters from the image above:
Your entry does not match the image, please try again.