Compare cash savings to closing costs to determine how much house you can afford in this video on buying a home.
Expert: Brett Staggs
Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks.
Filmmaker: Dana Glover
Duration : 0:1:24
All you need to know about loans and home buying.
Contact Bruno Pisano 213- 842-0774
http://www.los-angeles-homes.net
For all the information you need on living in Los Angeles Metro area, West Los Angeles, or Beverly Hills, California contact me, Bruno Pisano. With a driven focus on customer service and an unmatched desire to best understand your needs I will always be available to answer any question you may have on the home buying or home selling experience here in Los Angeles. Whether its questions on West Los Angeles, Century City and Beverly Hills new homes, I can answer them and assist you in finding your perfect home in these beatiful Cities.
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The Los Angeles lifestyle is one of tranquil beauty and I, Bruno Pisano, am your agent for the most in-depth and complete tour of Spalding & Associates real estate listings; Los Angeles new homes; West Los Angeles and Beverly Hills homes.As a resident of this area for years, I can use my love of this natural paradise and be the perfect resource to show you the Los Angeles homes for sale, West Los Angeles homes for sale, Beverly Hills homes for sale and Los Angeles Metro area homes for sale.
My work and dedication to finding you and your family your ideal home is inspired by the relationships that I build with my clients. Use this comprehensive Web site to search for Los Angeles County California homes for sale. The Gulf Coast area is considered The best kept secret of the South and in this playground of plenty you can find comfort in the relaxed attitude where the days are of romantic length and you can enjoy the fresh Southern seafood delicacies and walk barefooted through the miles of sugar-white beaches at the shore.
Its Los Angeles, your home is waiting for you and I can help you find it.
Bruno Pisano, to Aid in Your Search
It is my experience and numerous distinctions that set me apart and can help you feel assured that you will find the right home for you and your family. One accreditation that I am particularly proud of is my ABR (Accredited Buyers Representative) which is a designation given to agents who are specifically knowledgeable and experienced in representing home buyers and first time home buyers. In addition, I was also awarded the coveted CRS (Certified Resident Specialist) designation, which is only given to the top 4% of real estate agents who take the required advanced courses along with accomplishing a high volume of closed real estate sales. With my experience and these designations, I created this site to better help in your search for a beautiful Gulf Coast home.
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As a real estate agent who has your best interest in mind, I have also created this Web site to help you understand how to best sell your Los Angeles real estate property. You can use this site as a resource or contact me directly and I can provide you with a timely market evaluation on your Los Angeles home.
It is my goal to help you sell your home in the quickest time possible, causing you the least amount of stress.
Duration : 0:3:21
rates subject to change rates change daily online There are many options to consider before you refinance. 602-606-6758, www.submort.com/mateogarcia
Duration : 0:4:0
The neighborhood quality can determine how much house you can afford. See why in this video on buying a home.
Expert: Brett Staggs
Bio: Brett Staggs has been working in the mortgage industry for the past 6 years. He has worked for a title company, a credit reporting company, and two major banks.
Filmmaker: Dana Glover
Duration : 0:1:23
Tax Credit for First Time Home Buyer Program, with Low Down Payment and Interest Rates thru Government Loan Assistance and FHA Mortgage. Buy Cheap Bank Foreclosures. Go To http://RealEstateMarketingThisWeek.com
Part 7 (Excerpt)
FHA Guidelines regarding foreclosures and first time home buyers; incredible home buying value
Ok I was just checking because I thought this was a story about all the mortgage backed securities that were going under. It started at the top and it worked its way down. The reality of it is that people were buying homes, not reading what they were signing, not understanding how it worked and shame on the people who were putting it in front of them, knowing that they didnt know and we all need to take a little responsibility here for this past crisis. It is not just the Wall Street firms; its not just the mortgage companies and banks, the brokers have little in fact to do with it, we didnt create the loan products that people were buying, we were merely disseminating it to the public. I am glad to say I was not a part of any of that. I was able to stay away and do traditional, conventional type financing for people. So luckily I didnt have a lot of clients who got stuck into that nightmare.
Speaking of that nightmare, Dan when we talk about the people who have had foreclosures, their lives have been turned around, turned over and they think that there is no where for them to go. One of the nice things about the Federal Housing Administration loan, the FHA loan, thats the first time home buyer type loan, the minimum down payment loan, its only 3 years after you have had a foreclosure that you can qualify to purchase a home again. So it is important if you have had a foreclosure, you need to point your future away from the flame, you need to save your money, do your best, work as tightly as you can on a budget and look forward to that time when you can go back out and buy a home again.
Property values are going to be up from where they are today, but there is still going to be plenty of great value out there and there are not going to be loan products that are going to get you in trouble again. They wont exist. What really caused the great inflation in home values starting in about 2002 was the financing was just getting crazy. I wont get into a whole lot of technical stuff about mortgage backed securities and all that, but the lenders were creating products, selling them off their books, thinking that they would never have to worry about them again. They sold trillions of dollars worth of these loans and those are the ones that are going bad.
Ones that were toxic in the first place: the stated incomes, the option ARMs, all those loans are all gone now. I was saying earlier today that we are back to where we were in financing in 1992-1993, back when the median home price was $75,000. Now I dont think we are going to go anywhere near that again, I think at $130,000 we are getting real close to the bottom of the market and what I was thinking was when I got into the business in 1995 and you were in at about the same time I was, and I remember talking to a guy who comes into our office to sell us loan programs, now this is the very beginning of the really crazy stuff, and he was saying we can do 70% no doc loans.
We go, what do you mean? If somebody puts down 30% they dont have to verify anything, they dont have to verify their employment; they dont have to verify taxes, anything. We were absolutely floored, but by the peak of the market we were doing 100% no doc loans. If you were breathing they gave you a loan and the credit scores didnt have to be that high, I think I saw them as low as 600…
Duration : 0:5:36