Real Estate Essentials by Linda Peltz

Hero Loan Team is for everyone, but Hero's in the community does have special programs that can help get them into a home that better fits there needs. Every lender has multi programs, just not always is it the same programs.

Sellers are seeing their inventory fly off the market from the fall of 2023 when everyone was staying inside. They are getting multi offers. Some over list price. So great time for Sellers. Let's get your home listed.

Buyers are coming out in groves. Interest rates are speculated to keep dropping. Get your house now and refinance when the rates hit a low. If you wait till then you are going to be fighting even more buyers and more failed offers and cash out of pocket over the appraised amount. 

Buying a home is not a speedy process. It takes some time. You might need to prepare. Don't wait, Prepare now and keep an eye out for the property you dreaming of.

Call for your free consultation today with Michelle
Michelle Johnson - Hero Loan Team
559-314-6760
michelle@heroloanteam.com

There is a program out there called the community Lending Program. It is not available through all lenders. It is available with RMK Home Loans. Each Lender partners with different institutions/banks. Some of the programs are offered from one of their partnered institutions. This home will only work in certain areas. It has minimal qualifications compared to some of the Federally backed grant or 2nd loan options. Listen to Leigh tell us all about it. 

Step 1) Get your Local Lender Pre-Approval (Prefer it fully underwritten, that means you have submitted your paperwork the Lender requested. They have submitted it to their back office underwriters)

Set 2) Get ahold of Linda Peltz Realtor - eXp Realty and lets start looking for your next home!

Leigh Fisher | NMLS# 1562667
RWM Home Loans
c 559-760-6663
e leigh.fisher@rwmloans.com
w leighfisherhomeloans.com

A little of the mystery about lending answers with our conversation about loans and how they work with Hero Loan Team. I learned something new that the programs update in January. So if they run out of funds they are replenished in Jan. Very cool. Lending is Step one find a loan officer that can answer your questions with out pulling your credit. Best would be to find a local lender. Get on the phone. Better yet make an appointment in their office. If they are a good fit in the beginning then we stand a good chance as a great team to help you through home ownership. All lending guidelines change every year. They are not the same as 10 years ago. Trust your lender, that is where we as realtors begin. We get you over to our lenders we trust and work well in a Team.

what are some of the deductions your tax preparer are going to need. Watch the following for a few tips and tricks. Get ahold of Scott ahead of time for taxes and find out what you are going to need to lessen your taxes.


Scott Harris
scottharristax@gmail.com
559-304-7098
Term Life insurance Link
https://insuremenowdirect.com/agent/scott-harris/
All my podcasts and Rumble video Channel
Scott Harris Tax (scottharrisgroupservices.com)

Lender Michelle Johnson with the Hero Loan Team discuss interest rates and where are we headed. More importantly what should the buyers be doing in this market. Is it a good time to buy or should you wait till interest rates come down then have to pay over appraised value to get your offer accepted when all the buyers return. What about refinancing?

Michelle Johnson
Hero Loan Team
559-314-6760
michelle@heroloanteam.com

FOLLOW US; CLICK FOR YOUR FAVOURITE CHANNEL
https://linktr.ee/RealtorFresnoCA

Call me for further details:
Linda Peltz, eXp Realty | DRE 01997670
559-353-4556 
lwpproperty@gmail.com

Navigating the financial and real estate terrain requires thorough research and planning. Start by understanding your financial goals, budget, and credit score. Consult with professionals, such as financial advisors and real estate agents, who can provide guidance based on your specific situation. Educate yourself on market trends, mortgage options, and investment strategies. Don't rush into decisions - take your time to make informed choices that align with your long-term objectives.

SEP (Solar Energy Partners). Catrina Owens do everything from buying, leasing to PPA’s. And since she's a brokers, Catrina can get you the best deal for each individual based on what they need, and find which ever company offers them that. Buying and leasing are pretty straightforward. But the PPA is fairly new to people. So what that basically is is a power purchase agreement. With California wanting to be 100% renewable energy by 2024, they are offering incentives to homeowners

It is mind blowing the hat small business owners wear all while trying to do the work they love, which is why they started their small business. Take the aggravating HR questions off your plate and let Carlita guide you through the maze of options as problems arise with staff.

Join the Wealthwave and figure out how Money Works with Deric's complimentary appoint. See where some insurance programs may be able to help. Erase Financial Illiteracy, Build and Protect Wealth. Based on the 7 Money Milestones, their best-selling HowMoneyWorks books are financial survival guides that are changing literacy and lives everywhere. They empower entrepreneurs with high-tech, high-touch tools to reach their goals.

There is a new program out where the lender will give 2% towards your down and you only contribute 1%! You can't beat that. Step 1 is always figure out how to pay for the home. So get a hold of George Mikhail with Trade Mark Financing and see what he can do for you and get you into your new home.

Owning your own business no matter what industry you are in takes experts in their field to get you the business. One industry in todays market is SEO and your website ranking. If that is not your business then you need help in that area to keep business coming in. Find a expert in that and have them help your business. 

Home Inspections, what are they good for? What is Thermal Imaging and what can it do for us? Looks of good questions answered, take a look and ask your questions. Lets talk and get these homes SOLD.

Is this a good time to buy? What are interest rates doing? What are house prices doing? All good questions, stay tuned and hear from Michelle Johnson on the subject. 

Its a brave new world when it comes to your next home purchase. Check out mortgage information and real estate from Michael Gilmore Lender and Linda Peltz to find the latest in home loan and mortgage.

What are all the different programs out there? What are grants? What do you need for a loan. Reach out to Franklin Loan Center - Joe Musser and Linda Peltz Realtor Fresno CA get the skinny on what you need to get into a home

Don't let the market fool you into thinking it is a bad time to buy a home. Find out why with Mark and Linda as they discuss the lending market and the trends. 

Ever wonder what goes in to a home in preparations of a disability whether it is temporary or permanent? Mobility Works has some advice and solutions to help us prepare. Even showing home to wheelchair individuals is a very big adventure as most homes are not set up to accommodate. Now we have as Realtors have solutions. 

What is blocking you from attaining your goal. Take a look and see if Life Coach Yahne can guide you through and reach your goal. Realtor Linda Peltz discuss first time home buyers situation and guiding them to home ownership. 

The market changes daily, monthly yearly. We have historical data and the different types of markets. What market are we in today? Find out and hear for your self what is going on. 

Recently Ziang Her from PBM Insurance and realtor Clovis CA, Linda Peltz discuss the essential of homeowner insurance, further the helpful tips for first-timer. They highlight the importance of property insurance and the benefit of working with insurance company.