Posts Tagged ‘Anahi Vazquez’

  • When Buying A Home, What Happens After My Offer Gets Accepted?

    You’ve done it!  You made an offer and it got accepted, congratulations!  You and the Seller now have a binding agreement and each of you has a set of duties you will need to perform.  The first thing you need to do is make your earnest money deposit.  This deposit is different from your down-payment; it lets the Seller know you “earnestly” want their property and is typically it is 1% of the sales price.  The second thing you need to complete is your inspection period.  In California, a standard inspection period is 17 days long, but this can vary depending on what was agreed upon in your offer.  This is your opportunity to find-out everything there is to know about the property, so take advantage!  There are tons of inspections, but the most standard is a comprehensive home inspection that will scope-out the roof, foundation, electrical, plumbing, and appliances.  If any issues were to be noted, the home inspector will recommend you contact a specialist for further evaluation and if you are unhappy with the results, you are able to walk-away from the transaction and get your deposit back.  So much more happens after your offer gets accepted that you want to make sure you are in the right hands and a properly guided through the process.  For a comprehensive list of what you need to do next, contact

  • Things To Watch-Out For When Looking At Houses

    Nov 16, 15 • Meche • First Time Home Buyers, Home BuyersNo CommentsRead More »

    So you’re out looking at property and don’t really know the protocol or what to watch-out for?  I get it!  When you’re out house hunting you want to find a house you love but you should also keep an eye-out for red flags to avoid getting a lemon!  While it is easy to spot issues with some houses there are others out there in pretty good shape.  But, some properties have issues that are not noticeable to the naked eye and have things that might be a deal breaker for you.  Here are some items I find are most important amongst my clients and items you should watch-out for: 1) Were there any additions to the property and if so, was the work permitted?  If a previous owner did work to the property without permits, the new owner assumes the risk and liability of that work.  The city may not be aware of the non-permitted work, but in the event the city does get knowledge of it, the new owner will be financially responsible for whatever the outcome.  2) Roof life, is the roof in good shape?  Take a look at the roof and ceiling of the property to get an idea of the condition or if there is evidence of leaks; if an agent is present, find-out as much as possible.  3) Parking.  Believe it or not, some neighborhoods

  • Mello Whaaat? What are Mello Roos?

    Mello Whaaat?  What are Mello Roos?

    When a new community is built, living quarters are not the only buildings that are built; parks, recreations, schools, roads, commerce are constructed as well.  The construction is financed through developer bonds which are then paid-off by those who benefit from the new construction.  So, if you are looking to buy a property on a new tract where there are new roads, schools, malls, etc that means you will benefit from the common areas and will have to pay a Mello Roos Tax for the enjoyment of use; you’re paying your share just like your neighbors are paying theirs.  The good news about this fee is that it eventually gets paid-off, the bad news about the tax; it will affect your purchase power.  When getting pre-approved, your lender looks at your debt to income ratios and drafts an approval amount based on those numbers.  Mello-Roos along with HOA fees affects those ratios so it is important to know about these fees for an accurate pre-approval amount. How much do Mello Roos/ HOAs affect pre-approval amounts?  Contact me at or at 858.381.2621 for a detailed explanation. Till next time and happy house hunting

  • Should I Get Pre-Approved Before Starting To Look For A House?

    Oct 12, 15 • Meche • First Time Home Buyers, Home BuyersNo CommentsRead More »
    Should I Get Pre-Approved Before Starting To Look For A House?

    What’s up guys, here’s another informational video.  This one goes out to all of those people out there who do not want to get pre-approved before beginning their home search.  I know where you’re coming from!  I understand why you avoid this critical step, believe me, I was there many years ago when I bought my first home.  I didn’t want a total stranger knowing my financial business, and most of all, I was scared of getting swindled into a bad deal with a bad lender; but not getting pre-approved before beginning your serious home search is like going to a grocery store without a wallet.  Can you imagine?  Don’t be afraid to seek the advice of a lender, they are happy to assist with the hope that one day you will eventually use their services; this service is at no cost to you.  A pre-approval is in no way a loan commitment rather a tool that will allow you to shop with confidence.  The pre-approval amount is your purchase power, and the pre-approval letter is proof to all home sellers that you are a serious buyer who is willing, able, and prepared.  So, what kind of buyer do you want to be? Would you like to know about today’s rates?  Would you like a list of required paperwork for pre-approval?  Shoot me a line or give me a call at

  • How to Keep Your Tax Base When Selling Your Home And Buying A Replacement

    I was holding an open house this weekend where I met a couple who express how much they’ve dreamed of selling their current home and buying another but don’t do it because they are afraid their property tax will go up the roof.  I always recommend people speak with a tax professional for more accurate information, but I was thrilled to be the one to tell them, there might be hope.  Say hello to proposition 60 and 90!  Proposition 60 allows transfers of base year values within the same county. Proposition 90 allows transfers from one county to another county in California, it is recommended that you call your assessor for verification that your county is a participant. But there are requirements to be able to qualify, here are a few: You, or a spouse residing with you, must have been at least 55 years of age when the original property was sold; the replacement property must be your principal residence; the replacement property must be of equal or lesser “current market value” than the original property. So there you have it!  You can sell your current home and take your tax base with you. Did you already sell and buy the replacement home and this information just came your way?  It might not be too late to qualify, there is still hope!  For more information about proposition 60/90 contact

  • Should I Use A Real Estate Agent When Buying A House? Why?

    Aug 31, 15 • Meche • How To Buy A Home, UncategorizedNo CommentsRead More »

    So you don’t want to hire an agent because you don’t want to deal with another salesman?  I get it, but guess what?  Unless the Seller of a property wants to negotiate directly with you, using an agent is in your best interest.  Sure, not all agents are created equal, and while some are only looking out for their best interest, here are some sings of a good agent:  A good agent will always ask you what numbers you are comfortable with, what you want your monthly mortgage to look like and will never show you properties priced higher than what you’ve told him/her.  A good agent will help you narrow down your search by asking all of the right questions.  A good agent will make it all about you, your wants and needs not about how great of an agent he/she is.  A good agent will explain and guide you through the process and not expect you to just sit back until you have to sign.  So, why not hire someone who you trust, like, and just jive with?  Agents are supposed to provide a service, they do so much behind the scenes and when you are a buyer, it does not cost you a thing!!! So don’t do all of the work yourself, have the agent earn their money’s worth!  As real estate consultants, we have a fiduciary duty to you and

The GreenHouse Group, Inc. | Real Estate Consulting & Mortgage Planning. "Moving People With Purpose."

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