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What a Difference 75 Days Makes!

What a difference 75 days has made as far as mortgage rates are concerned. If you looked into buying a home in September / October of 2023 and thought man rates are just TOO HIGH, then now may be a great time to re-evaluate that. The analysis above compares where we were at 75 days ago versus right now in a real world example using a $600,000 purchase price.If you're a homebuyer looking to purchase, now is a great time because we're in our typical seasonal lull until the first part of February. Right now there are less buyers hunting for homes and it's easier to get under contract right now. If you wait until spring, there's a good chance that rates may be even lower which will bring even more competetition to the market (harder to get your offer accepted). Not only will it be harder to get an offer accepted, we may find ourselves back in 'bid over ask' situations due to the increased the competition, and nobody likes overpaying for anything. Let us know if you'd like an updated analysis that's customized for you.If you're a home seller, NOW is a great time to prepare to sell your home. Inventory remains limited and with the recent drop in rates, you'll get a lower payment on your replacement home and at the same time still get top market value for your home due to the low inventory situation. We also have a 'buy before you sell' program that will allow you to get into your next home without selling your current one first. Reach out for details or if you have any questions.Thanks!

Saturday Morning Joe – The Only Weekly Mortgage Market Update You Need! 12-16-23

Welcome Back! Mortgage rates end about ANOTHER half a percent LOWER this week than two weeks ago! I go into it on the deeper dive. Check out the analysis here on this page to see what the rates actually look like today. JUST A REMINDER, FHA has increased their loan limits in OC, San Diego, LA Counties so now it's possible to get a $1.19M home in those areas with 3.5% Down - WOW! Grab some coffee and get caught up in just a few minutes with what's going on in the current mortgage market, including rates, talking points, affordability hacks for buyers, and ways we can work together to best help today's homebuyers through education rather than emotion.FHA remains the affordability front runner for 90% of the Clients we talk to right now and you'll see why if you watch this week's analysis. Check out the deeper dive to see what the mbs markets actually did this week. Lots of economic news this week! See how it affected the mortgage rate markets here.Things that could move the mortgage rate market this coming week:Monday: NAHB Housing Market IndexTues: Housing Starts and PermitsWed: Mortgage Apps, Existing Home Sales, 20-year bond auctionThurs: GDP Q3 Final Reading, Initial Jobless ClaimsFriday: Personal Consumption Expenditures (PCE), New Home Sales As always, we are here for you - when you are working, we are working. The analysis above was priced with current rates based on a 740 credit score, primary residence home purchase for FHA, VA, and Conventional loan structures. The links on the right (or down below on mobile) will take you to: * A Deeper Dive screen recording illustrating what rate market did this week and why. Along with Talking Points for the week. * National Average Rates so you are confident your clients will always be getting below market rates using Joe Wiggins, your Preferred Mortgage Broker! Let's win together! If you'd like to collaborate on an IG Reel, Post, or Story just LMK - we do a quick recorded Q and A and cut up the content for you or we can go live!

Saturday Morning Joe – The Only Weekly Mortgage Market Update You Need! 12-2-23

Welcome Back! Mortgage rates end about a half a percent LOWER this week than two weeks ago! I go into it on the deeper dive. Check out the analysis here on this page to see what the rates actually look like today. ADDITIONALLY, FHA has increased their loan limits in OC, San Diego, LA Counties so now it's possible to get a $1.19M home in those areas with 3.5% Down - WOW! Grab some coffee and get caught up in just a few minutes with what's going on in the current mortgage market, including rates, talking points, affordability hacks for buyers, and ways we can work together to best help today's homebuyers through education rather than emotion. FIRST TIME RATES HAVE DROPPED THIS MUCH ALL YEAR! Really in several years! Check out the deeper dive to see why and check out the analysis video to see where rates are at now! GOOD NEWS FOR ONCE, FAM! FHA remains the affordability front runner for 90% of the Clients we talk to right now and you'll see why if you watch this week's analysis. Check out the deeper dive to see what the mbs markets actually did this week. Lots of economic news this week! See how it affected the mortgage rate markets here. As always, we are here for you - when you are working, we are working. The analysis above was priced with current rates based on a 740 credit score, primary residence home purchase for FHA, VA, and Conventional loan structures. The links on the right (or down below on mobile) will take you to: * A Deeper Dive screen recording illustrating what rate market did this week and why. Along with Talking Points for the week. * National Average Rates so you are confident your clients will always be getting below market rates using Joe Wiggins, your Preferred Mortgage Broker! Let's win together! If you'd like to collaborate on an IG Reel, Post, or Story just LMK!

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17124 Seven Springs Way

DEAL OF THE WEEK! - New price * * * CREDIT possible toward rate buy down so you can have interest nearly 2% LESS than current rates * * * BEST VALUE for any home on OVER 1 acre in this area * * * MOCKINGBIRD CANYON. .. TASTEFULLY UPDATED. .. NEARLY 2 ACRES WITH A VIEW. DOUBLE DOOR ENTY. BEAUTIFUL NEW FLOORING, WINDOWS, CUSTOM PAINT, INDIRECT LIGHTING. 4 BEDROOMS & 3 BATHS. FORMAL LIVING & DINING ROOMS. GORGEOUS NEW KITCHEN. VERY NICELY DONE. BREAKFAST BAR & BREAKFAST NOOK. WHITE CABINETS & NEW COUNTER TOPS. NEW APPLIANCES. OPEN TO COZY FAMILY ROOM WITH FIREPLACE. DOWNSTAIRS BEDROOM & BATH. 3 LARGE BEDROOMS UPSTAIRS. DOUBLE DOOR ENTRY TO THE PRIMARY SUITE. EVERY ROOM IS BEAUTIFULLY FINISHED. PRIMARY BATH HAS SEPARATE SHOWER & SOAKING TUB. DUAL SINKS & VANITY. LARGE OPEN PATIO WITH ALUMAWOOD PATIO COVER. FENCED & CROSS FENCED. EXTRA ACREAGE DOWN BELOW. LUSH FRONT YARD LANDSCAPING WITH VINYL FENCING. ALL OF THIS ON 1.78 ACRES OF LAND. 3 CAR GARAGE. RV PARKING. ENJOY THE PEACE & SERENITY. LOW TAXES, NO HOA. NEW OVERSIZED 7 PERSON SPA ON THE REAR PATIO WITH VIEWS DOWN TO THE LOWER PORTION OF YOUR PROPERTY BACKING A SEASONAL CREEK. PLENTY OF ROOM HERE FOR BARN, SHOP, POOL, SPORTS COURT, OR GUEST HOUSE.

43307 Via Angeles

**Special Seller Financing Provided By Seller's Preferred Lender** - In the sought-after community of Crowne Hill, this south Temecula home features five spacious bedrooms, 2.5 bathrooms, and a three-car garage. Upgrades include luxury plank and tile flooring, granite countertops, plantation shutters, sliding barn door and fresh interior paint throiughout! The open layout seamlessly connects the kitchen to the living areas, ideal for entertaining. The kitchen is a chef's dream, equipped with upgraded stainless steel appliances, an over sized island, stylish cabinetry and walk-in pantry. The second story features five bedrooms and two full bathrooms. The expansive primary suite hosts plenty of room for an office or sitting area with gorgeous plantation shutters and a view of the backyard. The other sizeable bedrooms are just down the hall, giving a large family plenty of space! Stay comfortable year-round with a whole house fan system and new dual AC units controlled via smart touch screen panels. Relax and enjoy the backyard firepit or dine al fresco under the alumawood pergola with two brand new cieling fans. Being located in south Temecula, this home offers suburban tranquility and easy access to amenities. You are located within walking distance to Crowne Hill elemetary school and four parks. The community puts on family friendly events year round and there is always plenty to do with local movie theatres, bowling alley, campgrounds and a large shopping mall nearby! Explore picturesque landscapes, charming Old Town, and renowned wineries!

4970 Magnolia Ave

**Special Seller Financing Available on This Home - Check out the links on this page!** Wow is all I have to say about this beautiful home. Here is an opportunity to get not just a Craftsman style home in THE WOOD STREETS, but a turn key home that is just missing your final touches. This home is a ready for a family that appreciates historic homes. This is an entertainer’s delight on a large lot nestled behind wrought-iron fencing and a privacy hedge, and accented by mature trees. The custom pressed concrete drive and parking pad provide lots of parking for you and your guests, and there’s convenient back alley access along with an EV charger. The generous back yard and deck provide lots space for all your parties and show off your new, amazing home to all your friends and family. Walk in and see the craftsmanship that has been put into this home with original hardwood floors that have been brought to life and a large custom fireplace to cozy up to this winter and during holidays. Then walk down into the perfect little space to set up an office or home library, and roll over to the kitchen featuring a restaurant-grade gas range that any cook would truly appreciate and enjoy. Ladies, grab your wine and lounge in the clawfoot bath tub and unwind after a long day’s work. Upstairs has 2 big walk in closets, a huge master bedroom, and a loft for the kids to play in. This home is one of a kind. Beautiful stained glass windows, Craftsman-style stone pillars for a carport, and period-appropriate copper rain gutters are just a few of the other unique features of this home. You do not see homes of this size and condition in the Wood Streets come for sale often. Come make it yours today.