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Dream Home Checklist

May 20, 2012 By Dario

Dream Home

Buying a home can be complicated and with so many options to choose from it is difficult to know exactly what you want. With this checklist provided by Trulia it will  help identify the difference between your wants and needs and uncover the key features that will lead you to your dream home with the Dream Home Checklist. Armed with this free tool, you’ll enable yourself to organize priorities so you can focus on only those properties that truly match your needs. I hope it helps and please give us your feedback below.
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Download Dream Home Checklist

Fill out this form and get our free Dream Home Checklist.

Filed Under: Tips

Hate That Junk Mail You Get Everyday!! Here is the solution…

May 15, 2012 By Dario

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Filed Under: News

Short Sale Relocation Assistance Program from Bank of America

May 15, 2012 By Dario

You could receive $2,500 to $30,000 in relocation assistance 

If  you are financially distressed and want to avoid foreclosure.  You Must Read this:

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Bank of America has announced that for a limited time, they are offering enhanced relocation assistance payments in which qualified homeowners who initiate a short sale without an offer could be eligible to receive $2,500 – $30,000* in relocation assistance and owe no more on their mortgage with the sale of their property. 

Call me today to see if you qualify: 619-651-0433

Filed Under: News

Just Listed in Windingwalk, Chula Vista 91915

May 12, 2012 By Dario

Just Listed

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Filed Under: Listings

Find out if you have a Fannie Mae or Freddie Mac Loan

February 10, 2012 By Dario

Fannie Mae or Freddie Mac Loan

You can go to these websites to find out if you have a Fannie Mae or Freddie Mac loan:

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Filed Under: News

10 Ways to Prepare for Homeownership

November 17, 2011 By Dario

  1.  Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
  2. Develop your home wish list. Then, prioritize the features on your list.
  3. Select where you want to live. Compile a list of three or four neighborhoods you’d like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
  4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don’t forget to factor in closing costs. Closing costs — including taxes, attorney’s fee, and transfer fees — average between 2 and 7 percent of the home price.
  5. Get your credit in order. Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments.
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  7. Determine your mortgage qualifications. How large of mortgage do you qualify for? Also, explore different loan options — such as 30-year or 15-year fixed mortgages or ARMs — and decide what’s best for you.
  8. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements.
  9. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you’ve saved to buy your fist home without paying a penalty for early withdrawal.
  10. Calculate the costs of homeownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable.
  11. Contact a REALTOR® like Dario Barba. Find an experienced REALTOR® who can help guide you through the process. Call me today at 619-651-0433.

Filed Under: News

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About the Agent

Dario Barba
Broker/Realtor
Lic. 01778636
Email: db@kalirealestate.com
Phone: 619-651-0433
Address:
3450 Bonita Rd. Ste. 206
Chula Vista, CA 91910

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About the Agent

Dario Barba
Broker/Realtor
Lic. 01778636
Email: db@kalirealestate.com
Phone: 619-651-0433
Address:
3450 Bonita Rd. Suite 206
Chula Vista, CA 91910

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