Find Your Home Here

Whether you are a first time home buyer, up-sizing, down-sizing, or whatever your situation of choice may be, you can begin your search with us. "Search MLS Tab above." Happy House Hunting!

What We Offer

Top notch customer service and attention to detail while working in your best interests are number 1 priority, "PERIOD." and because of this, we have a large repeat customer base, and growing due to our valued customers referring their valued family and friends.

WOW! what a huge compliment for us. That just can't be beaten.

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When working for you, we are as majestic and as POWERFUL as the ocean waves.

Buyers

Buyers

Are you done with renting? You are now ready or considering becoming a Proud Home Owner? build equity in your own home? "I can't afford to buy a house and my credit score is down the drain." you say.
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Well you may be surprised at what is achievable these days, and how quickly and easily you can build your credit score so that you can achieve your goal of pride in home ownership. If you can pay rent, you can pay a mortgage. Make sense?
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I will begin by telling you the many options available:

FHA Mortgage Loan Options.
Minimum credit score 580.
3.5% down payment.
Some lenders will accept 500.
10% down payment.

First Time Home Buyer Down Payment Assistance Program.
Minimum credit score 640.
Up to $15,000 down payment assistance.

VA Mortgage Loan.
Minimum credit score 620.
$0.00 down payment.

USDA Mortgage Loan.
Minimum credit score 640.
$0.00 down payment.
(Only certain area of single family homes are eligible for USDA).

Fannie Mae HomeReady.
Minimum credit score 620.
3% down payment.
Minimum credit score 680.
$0.00 down payment possible.
No credit score.
There are options depending on lender.
Down payment depending on lender.

Conventional Mortgage Loan Options.
Minimum credit score 620.
Minimum credit score 580 possible.
Credit score with regard to conventional loans vary by lender.
3% upward of 20% also varies by lender with regard to credit scores, debt to income ratio, type of property and many other factors.
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Keep in mind that when you start looking for a pre-approval, talk to as many lenders as you can so that you can compare the rates and fees associated with the loan, who you feel comfortable with, and check their reviews and complaints.
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You have 45 days in which to seek out the lender for you without your credit score being impacted more than once. All lenders will perform a credit inquiry, so you will take a few points hit ONCE to your score from the first lender. Don't worry, your score comes back quickly.
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(If you want to find out what you can qualify for right now, quickly, and with no impact to your credit score, go up to the picture of the ocean waves and click on the "Get Pre-Approved" button).
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(When you are ready, you can contact us any time for a hassle free, no obligation and confidential discussion on what we can do for you).

Sellers

Sellers

Are you a home owner and you are considering or want to sell your home to down-size, up-size, or just sell it to move in with other family members or a retirement home, or for any other reason? because there are many reasons.
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You don't know what's involved or are not sure how the process works, and in your best interests and be protected against a possible future law suit with the correct documents and addendum's.
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Are you a landlord or investor who wants to sell your investment property?
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There are many factors that come in to play when coming up with a valuation and selling a property:

Age of property.
Effective age of property.
Age of roof.
Age of A/C and water heater.
Age of plumbing.
Age of electricity.
Size of property.
Garage, Car Port, Car Pad or Street Parking.
Type of construction.
Updates to property.
Material quality used to update.
No updates to property.
Construction type.
Fenced yard or not.
Size of yard and lot.
Type of lot.

There are many more factors that involve the area and surrounding area of where your property is located.

While these may be obvious to you, there are also factors that reduce your property value that may surprise you:

Poor curb appeal.
Mature trees.
Sketchy neighbors.
The color of the house.
The color of the front door.
The number on the house.
The look of the neighbors house.
The type of parking.
On a busy street.
Type of lot.

There are many other surprising factors on this one too. Too many to list here.
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(When you are ready, you can contact us any time for a hassle free, no obligation and confidential discussion on what we can do for you).














Why Us

Why Us

We are proud to be a HUD Approved Brokerage, and take great pride in providing:

Commitment.
Compassion.
Respect.
Ethical.
Knowledge.
Wisdom.
Expertise.
Delivery.

We have, and still do, work with many buyers, sellers, landlords and tenants.
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We have many, many years of knowledge, wisdom and expertise on how and when to deliver your wants and needs.
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Every customer is a valued customer and is treated like the VIP that they are, and with the highest degree of respect and integrity.
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We provide commitment. Compassion. Respect. We are highly ethical.
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We listen to your wants and needs.
We care about your wants and needs.
We offer you hassle free solutions.
We Deliver.
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We have extensive knowledge, understanding and experience in the ever changing ups and downs in the real estate arena.
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We have extensive knowledge, wisdom and experience about the contracts, types of contracts, addendum's and their meaning for your protection in the ever changing real estate arena.
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We have extensive experience in:

Short Sales and Foreclosures (REO).
International Buyers.
Residential Re-Sales up to 4 units, including Condo's, Townhouses.
New Construction Homes.
Property Management.
Understanding Mold in the Restoration Industry.
Negotiating Contracts with Buyers, Sellers and Lenders.
Standard properties.
Auction properties.
Probate properties.
HUD homes.
Investment properties.
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We understand that every buyer and seller are different, so we work hard to keep up with the latest news in the real estate market and the type of financing each buyer may qualify for.
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(When you are ready, you can contact us any time for a hassle free, no obligation and confidential discussion on what we can do for you).

Featured Properties

These are our featured properties. See anything you like? contact us for more information on these or any other properties you are interested in.

What People Say

Here you will find testimonials from our happy customers.

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I would give tracey 10 stars for her knowledge and experience in real estate. She helped me find a nice home in my price range. She knows everything about Real Estate and I highly would recommend her to my family and friends. I never met anyone who is more knowledgeable and honest in a Real Estate agent.

Shelly Karten - Bought a House

Latest News

This is where you will find blogs about the latest news in the real estate arena and mortgage loan financing.

Can I Buy After a Short Sale?

Yes, but there is a waiting period for each type of mortgage loan, except one loan type which I will get into later in this blog.

You also need to build your credit score back up by paying all bills on time and keep inquiries off your report. Inquiries from anywhere that you have applied for any kind of financing or leasing.

  • FHA loans are a wait period of three years when putting a down payment of 3.5%
  • Conventional loans wait period is four years when putting down a minimum payment of 5%
  • Conventional Loans wait period is two years with a minimum down payment of 10% and prove extenuating circumstances beyond your control.
  • USDA loans wait period has different wait periods that depend on the short sale circumstances at that time.

You can find out more detailed information about USDA Mortgage Loans by clicking on this link.

https://www.usdaloanpro.com/blog/2016/04/01/can-you-qualify-for-a-usda-loan-after-a-short-sale-2/

  • Fannie Mae HomeReady loans are four years when putting down 3%
  • VA loans are a wait period of two years and the down payment will still be 0%
  • Non-QM loans (Non-Qualified Mortgage) are the very next day. This is any mortgage loan that doesn’t comply with the Consumer Financial Protection Bureau’s existing rules on Qualified Mortgages (QM). Usually this type of mortgage loan helps buyers who are not able to prove they are capable of making the mortgage payments. You generally have to have a high credit score.

You can find out more detailed information about Non-QM Mortgage Loans by clicking on this link.

https://angeloakms.com/breaking-non-qm-correspondent-lending/

 

 

 

 

Can I Buy After a Foreclosure?

Yes, you can buy after a foreclosure, BUT with every mortgage loan types there is a wait time period that begins after closing, and the time period depends on the type of financing you had on the house.

You also have to have repaired credit to meet the credit requirements of the mortgage loan you are applying for.

Cash would be any time.

FHA (Federal Housing Administration) of three years is the minimum amount of time you have to wait. However, if you can prove the foreclosure was from a one time uncontrollable situation, FHA lenders MAY reduce the wait period to two years.

  • You have to put 3.5% down payment with a credit score of 580.
  • You have to put 10% down payment with a credit score of 500.

The lender may also require you to go through HUD Counseling.

Conventional loans backed by Freddie Mac or Fannie Mae is a seven years. This is the longest wait time period.

  • You have to put 5% minimum down payment. Percentage could be as high as 20%. There are variables that include credit score, conventional backing, points and so on that the lender will dictate.

Fannie Mae loans are seven years wait period, but you may get approved in three years as long as you can prove to the lender that your foreclosure was due to a one time uncontrollable situation. (Extenuating Circumstances).

  • You have to put 20% down payment with a credit score of 620.

Freddie Mac loans are seven years wait period, but you may get approved in three years as long as you can prove to the lender that your foreclosure was due to a one time uncontrollable situation. (Extenuating Circumstances).

  • You have to put 20% down payment with a credit score of 620.

VA (Veterans Affairs) loans are two years wait period.

  • You put $0.00 down payment with a credit score of 620.

Some Tips For You To Work On Before Being Approved For a Mortgage After Foreclosure

Paying all credit card debt

Paying your credit card debts down or completely off is one of the major ways to raise your credit score and prove to the lenders you are now financially able to pay your bills. Once you’ve paid off your credit cards you should see the change in your credit score within a month.

It is wise not to cancel your cards though, because these credit cards show the lender that you have an established trusting relationship with other peoples money. Cancelling your credit cards cancels that out.

 

Don’t apply for any other financing

Don’t increase your debt burden before applying for mortgage financing. This includes buying or leasing a car, buy now pay later furniture and appliances, rent to own furniture and appliances. Your debt-to-income ratio is one of the most important factors lenders look for when determining your eligibility for a mortgage.

 

Avoid any other negatives on your credit report.

After your foreclosure, paying all your bills and loan payments on time is crucial. You don’t want to begin the waiting for negative remarks to be removed again.

Collection accounts may remain for 7 years and 6 months from the date you first fell behind with the original creditor leading up to when the account was placed in collection.

 

New Eco-Star Home? Can I afford it?

If you have a minimum credit score of 580 then absolutely yes.

As you know, it’s a sellers market and house prices have increased significantly. For what most property prices are being sold for you can buy brand new for as low as $161,000 (not including the lot). They will build on your lot, or you can chose one of theirs.

Certified eco-star energy efficient homes are not only cheaper than other properties to live in, they are high performance spacious, well laid and thought out floor plans and have many upgrades and appliances included that many builders charge extra for.

 SAVE MONEY NOW

SAVE EVEN MORE MONEY LATER

USE 1/2 THE ELECTRICITY OF TYPICAL HOMES IN AN ECO-STAR HIGH-PERFORMANCE HOME WITH BUILDING ENVELOPE ENGINEERED FOR 160 MPH WINDLOAD

  • Energy efficient heat pump water heating system
  • R-38 ceiling insulation
  • R-7 wall insulation with double furring strips
  • 16 SEER air-conditioning unit
  • Digital programmable thermostat
  • Solar powered attic ventilation fan
  • Radiant heat barrier between ceiling and roof
  • Kitchen and bath fans ventilated to outside
  • Air conditioner unit located in conditioned space
  • Pressure tight tested air ducting
  • LowE double pane windows
  • Deluxe energy star rated appliances
  • 100% energy efficient CFL lighting
  • 4 to 5 ceiling fan outlets as per plan
  • Sealed adhesive roof underlayment
  • Exceeds FPL BuildSmart specifications

FEATURES VARY BY LOCATION

Eco-Star High Efficiency Homes will save you half off your electricity bill.

According to the US Department of Energy, the HERS rating is 130 for the average used home and 100 for a new home.

The HERS rating for a typical High-Performance home is less than 60. This number is verified by an independent certified Energy Rate and it is less than half of the average used home (55% less).

Resale values of a High Efficiency home is greater than regular resale homes.

Saving money month after month along 

with Comfortable living!

I can help (depending on your credit score and financing options) get you into a brand new certified eco-star home, where your electricity bills are a fraction of what you pay now.

You will be impressed beyond belief.

Application:
When you are ready to apply for a loan, it will be easier for you and the lender to have these things ready.

Loan Checklist:

  • Address to your place of residence (past two years)
  • Social Security numbers
  • Names and location of your employers (past two years)
  • Gross monthly salary at your current job(s)
  • Pertinent information for all checking and savings accounts
  • Pertinent information for all open loans
  • Complete information for other real estate you own
  • Approximate value of all personal property
  • Certificate of Eligibility and DD-214 (for veterans only)
  • Current check stubs and your W-2 forms (past two years)
  • Personal tax returns (past two years), current income statement and business balance sheet for self-employed individuals
DISCLAIMER: We do not endorse any website that you click on, on our website. We want you to be fully informed of the process so that you can make an informed decision on what is right for you.