Each case is different, and your personal financial circumstances will have an impact on how much home you can afford. However, you MUST understand the relationship and impact interest rates, term of loan, points, and type of loan can have on your overall financial picture. Let’s start with the “amount financed” first. Many people often pay cash or put 20% or more down as equity. The reasons they do this are: “The bank required us

“We are the creative force of our life, and through our own decisions rather than our conditions, if we carefully learn to do certain things, we can accomplish those goals.” — Stephen Covey One of our all time favorite stories! The Warriors Destiny “A great Japanese warrior named Nobunaga was going to war with a fierce enemy with only one-tenth the number of men the opposition commanded. He knew that he could win the fight with a

  Juggling the needs of work, family, and home often makes us forget the most important needs—our own. Rather than being selfish, self-care is critical. Without it, everything we’re juggling comes crashing down.   If you’re not taking adequate care of yourself, your body will let you know. You just have to be paying attention to what it says! Here are a few signals your body can send that indicate it’s time to recharge your

There’s a fable in the book “Built To Last” by Jim Collins and Jerry Porras that I want to share with you. When I first read it, it reminded me of the journey I had in receiving one of my black belts. I was in college and I chose to take Shotokan Karate as one of my electives. I didn’t expect the class to be taught by Hiroyasu Fujishima Sensei, 8th Dan SKIF(Shotokan Karate-do International Federation). He

An escrow is a neutral, independent “stakeholder” account and is the vehicle by which the interests of all parties to the transaction are protected. The escrow is a depository for all monies, instructions and documents necessary for the sale purchase or refinances of real property, including the funds for the down payment and closing costs, the deed from the seller and the lender’s funds and documents for the new loan the escrow officer  takes instructions

The Sale Of The Home 1. LOCATION – Cannot Control 2. CONDITION 3. PRICE 4. TERMS 5. THE REALTOR You control Condition, Price, Terms, and the Realtor. The Realtor can dramatically affect Condition, Price, and Terms. Location: You have no control over the location of your home, but its location helps determine value. Condition: You control this. Your home’s condition is vital to a sale. A clean, well maintained home enjoys a competitive edge over

To help you Prepare, Market and negotiate for the most favorable terms. Californias most exclusive Real Estate Information network, giving the people of California the freedom to move on their terms through giving instant access to: 1. Your instant home value. 2. Connect you with The top 3% real estate agents in your city which buy and sell homes on average 75% faster than their competitors. Mr. Cali compares real estate agents in all 482

Researchers at Harvard say that small health improvements are an important part of heart disease prevention. Small steps, they say, are the key to succeeding at improving heart health. Improve your heart health with these tips: Use those muscles. Lifting small objects, like a bag of pet food, is a great way to tone arm muscles. Incremental movements build strength and may motivate you to later join a gym and increase the weights you’re able

We all know there are certain timewasters in our everyday lives, like social media. But besides avoiding those, what about real actionable tips that can help you achieve more in less time? Here’s a 5-step plan to be more productive: 1. Engage in a morning routine. Many successful leaders have a morning routine that helps focus their mind for the day, calm racing thoughts, and energize their body for the day ahead. You too can achieve