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Jan 21

Get a home for as low as 3%

Buy a home your whole family will love with as low as 3% down on a fixed-rate loan. Take advantage of low down payment options to buy a home today! Down payments as low as 3% for Conventional Loans up to $484,350. Down payments as low as 3.5% for FHA Loans up to $314,827. Zero down for VA Loans up to $484,350. Ask about Down Payment Assistance options available currently! Ask about Nova’s WealthBuilder program offering 100% financing for qualified borrowers on 15-20 year term loans! Our simplified

Jan 21

Reverse Mortgage

Reverse Mortgage Uses A reverse mortgage makes your home’s equity work for you. Possible uses for reverse mortgage funds include: Supplement to your monthly income with tax-free proceeds* Access to cash for sudden expenses Eliminate your current monthly mortgage payment Making repairs or improvements to your home Purchase of a new automobile Pay for needed prescription drugs Pay for in-home health care Travel Purchase an RV or 2nd home   There are virtually no restrictions on how you can use your hard earned equity! How can improved cash-flow

Jan 14

2018 Yuma Market Recap

Home Sales Homes sales remained strong through 2018 with over 250 homes selling every month. Home Values The average sale price also continues to rise with about an 8% increase in 2018 compared to 2017.  Part of this is most likely due to a shortage in lower priced homes. Appreciation It is interesting to point out that the average appreciation rate in Arizona rose way higher than the national average during the boom, and the fell much faster than average during the housing crisis of 2007-2008. Foreclosures Foreclosure

Aug 31

Own Vs Rent in 2018

With rising interest rate and home prices, people are asking “Does it still make sense to buy a home?” The quick answer is: IT DEPENDS! In Yuma county, the average single family home sells for about $190,000.  With a 5% down payment, the monthly payment would be roughly $1240 a month.  So how does that compare to renting?  Well there are a few things to consider. Owning means more responsibility If you own your home and something breaks, you have to fix it.  It’s your problem.  There’s no

Aug 7

Do I need to put 20 percent down to buy a house?

In a recent survey, about 30% of millennials felt they could qualify for a house, but couldn’t come up with a down payment.  Why would that be?  Well, it turns out most of them thought they needed to put 20% down. If you fall in this category, I have good news for you.  You do not need 20% down to buy a house in today’s market. How much do I really need to put down to buy a home? If you are purchasing a home to live in

Jun 15

June 2018 Yuma AZ Real Estate Market Update

It’s June 2018, and the real estate market is crazy.  This is a crazy market! Check out the Real Estate Report Card below, and let me just point out a few interesting tidbits. Median Home Price Our Median Home Price in Yuma is currently $152,110.  Now, when you sort out the manufactured homes, our average sale price year-to-date (Jan – May 2018) is actually $180,742.  That’s up a bit (3.1%) from last year at this time. Appreciation Rates Over the last 43 years, homes in Yuma county have

Dec 12

Always know your current home value with Homebot

As a Homeowner, you probably realize you should maximize the wealth in your home. And, like most, you probably realize there are many different ways to do so. But, it’s easy to get confused and you just don’t have the time to figure it out. Homebot is a monthly financial dashboard that gives you the answers.  Homebot shows you exactly what you can do when and precisely how much wealth you will build. HomeBot tracks: your current and historical estimated market value of your home; appreciation since you

Dec 2

Five Pitfalls to Avoid When Investing in Real Estate

Here are five of the most common pitfalls associated with investing in real estate: House Price Risk (up or down): what if the house goes down in value?  That’s why it’s important to evaluate mortgage, cash flow and debt planning strategies that won’t put you in a bind if house prices stagnate or go down a little bit.  On the other hand, what if the house goes up in value and you haven’t pulled the trigger yet?  That’s why it’s important to get yourself a solid mortgage approval BEFORE you go

Dec 1

How to Benefit From a 1031 Exchange

A 1031 Exchange could allow you to defer the capital gains tax on the sale of investment property if you roll over all the sales proceeds into a new investment property. Here’s how it works: The buyer of the investment property that you’re selling gives his/her funds to a “qualified intermediary” who keeps the funds in escrow on your behalf Within 45 days of the sale of your old property, you identify a replacement property that you’d like to purchase Within 180 days of the sale of your

Nov 30

Three Questions to Ask Before Investing in Real Estate

It’s important to ask these three questions when you invest in real estate: How can I increase my rate of return?  The cornerstone of any smart investment strategy is to calculate your rate of return.  With real estate this is done by running the numbers using an internal rate of return (IRR) formula that takes into account: Present Value (PV) – what am I paying out of pocket to get into this investment? Term (N) – what’s my timeline and how long am I going to hold this investment?