Santa Monica Houses for Sale | Santa Monica Homes for Sale | FinancingWe are proud of our commitment to helping our clients find the loan they need to make the purchase of their dream home possible. We are dedicated to giving our clients the best service and experience, from the moment they say yes to the day they move in. Our team of experienced real estate professionals stands by our clients and helps them get the loan they need so they can rest easy knowing that their loan is tailored to their unique needs.To view Santa Monica Houses for SaleTo view the most popular Santa Monica Neighborhoods North of Montana Homes for Sale Ocean Park Homes for Sale Silicon Beach Homes for Sale Sunset Park Homes for Sale If you are looking for Beverly Hills Houses for Sale or Beverly Hills Homes for ... 01/01/2023

Santa Monica Houses for Sale | Santa Monica Homes for Sale | Buy a HomeWe understand that buying a house can be a stressful experience, and we strive to make the process as smooth and stress-free as possible. We are here to take care of everything that has to be taken care of so that you can realize your dream of house ownership. We guarantee that we will do everything in our power to find you a suitable house and close the deal in your favor if you hire us as your real estate agentTo view Santa Monica Houses for SaleTo view the most popular Santa Monica Neighborhoods North of Montana Homes for Sale Ocean Park Homes for Sale Silicon Beach Homes for Sale Sunset Park Homes for Sale If you are looking for Beverly Hills Houses for Sale or Beverly Hills Homes for Sale visit us at Beverly Hil... 12/31/2022

Santa Monica Homes for Sale | Sell a HomeAre you looking to sell your home in Santa Monica?  We provide the resources and expertise you need to get the best possible price for your house.To view Santa Monica Homes for SaleTo view the most popular Santa Monica Neighborhoods North of Montana Homes for Sale Ocean Park Homes for Sale Silicon Beach Homes for Sale Sunset Park Homes for Sale If you are looking for Beverly Hills Houses for Sale or Beverly Hills Homes for Sale visit us at Beverly Hills Houses for Sale. If you are looking for Santa Monica Homes for Sale or Houses for Sale in Santa Monica visit us at Santa Monica Houses For Sale. For mortgage and financing information visit Mortgage Broker Beverly Hills | Mortgage Broker Calabasas | Mortgage Broker Glendale | Mortgage Broker Pasad... 12/30/2022

Mortgage Broker Santa Monica | Will Mortgage Brokers Become ExtinctMortgage Broker Santa Monica – As the world evolves, technology advances and the housing market fluctuates, one of the important questions on the minds of many is: will mortgage brokers become a thing of the past? With the rise of online financing, many people are left wondering if traditional mortgage brokers are still relevant in today’s economy. In this blog, we will explore the current state of mortgage brokers, the impact of technology on their role, and the potential future of the industry. We will look at the pros and cons of both traditional and online mortgage brokers to give a better understanding of the current landscape.Key Takeaways Technology has changed the landscape for mortgage brokers and created both c... 12/30/2022

Santa Monica Houses for Sale | Santa Monica Homes for SaleLooking to finance a home in Santa Monica? We offer a range of finance options to make it easier for you to buy your dream house. Get the insights you need to make an informed decision on the perfect house for sale.To view Santa Monica Houses for SaleTo view the most popular Santa Monica Neighborhoods North of Montana Homes for Sale Ocean Park Homes for Sale Silicon Beach Homes for Sale Sunset Park Homes for Sale If you are looking for Beverly Hills Houses for Sale or Beverly Hills Homes for Sale visit us at Beverly Hills Houses for Sale. If you are looking for Santa Monica Homes for Sale or Houses for Sale in Santa Monica visit us at Santa Monica Houses For Sale. For mortgage and financing information visit Mortgage Broker Bever... 12/29/2022

Santa Monica Houses for Sale | Santa Monica Homes for SaleLooking for a home to buy in Santa Monica? Our listings of houses for sale offer a wide selection of homes to fit any lifestyle. Find the perfect house today and start living your best life!To view Santa Monica Houses for SaleTo view the most popular Santa Monica Neighborhoods North of Montana Homes for Sale Ocean Park Homes for Sale Silicon Beach Homes for Sale Sunset Park Homes for Sale If you are looking for Beverly Hills Houses for Sale or Beverly Hills Homes for Sale visit us at Beverly Hills Houses for Sale. If you are looking for Santa Monica Homes for Sale or Houses for Sale in Santa Monica visit us at Santa Monica Houses For Sale. For mortgage and financing information visit Mortgage Broker Beverly Hills | Mortgage Broke... 12/28/2022

Mortgage Broker Santa Monica | Do you go to a mortgage broker first?Mortgage Broker Santa Monica – Do you go to a mortgage broker first? That’s a great question! In short, the answer is yes. A mortgage broker can be an invaluable asset in the home-buying process. They can provide you with the expertise, guidance, and experience you need to make the right decision when it comes to financing your new home.A mortgage broker is different from a loan officer. While a loan officer works for a specific lender, a mortgage broker is an independent professional who works with multiple lenders to find the best loan for you. Mortgage brokers do not work for a particular lender and are not paid directly by any lender. Instead, they are compensated by a fee or a commission on the loan volume they gen... 12/25/2022

Mortgage Broker Santa Monica | Which loan is best for first-time home buyers?Mortgage Broker Santa Monica – Are you a first-time home buyer looking to purchase your dream house? Congratulations! Buying a home is an exciting milestone, and it’s important that you take the time to research all of your loan options so that you can make the best decision for your financial future. Depending on your credit score, income level, down payment amount, and other factors, there are several different types of loans available to help make homeownership possible. When considering which loan will be best for you as a first-time home buyer, it’s important to understand the advantages and drawbacks of each option so that you can choose the one that makes sense for both today and tomorrow. Here are some ... 12/23/2022

Santa Monica, CA is a highly sought location for home buyers. With its stunning beachfront views, endless entertainment options, and excellent schools, it's no wonder why so many people flock to Santa Monica for a place to call home. Homes for sale in Santa Monica range from cozy one-bedroom condos to multi-million dollar mansions, each offering its own set of benefits and amenities. With its vibrant culture, convenient access to the area's major attractions, and the ability to live a luxurious lifestyle, Santa Monica is the perfect place to call home. Whether you're looking for a beachfront paradise or a cozy urban retreat, Santa Monica has something for everyone.To view: Santa Monica, CA Real Estate & Homes for SaleIf you are looking for Beverly Hills Houses for Sale or Beverly Hills ... 12/19/2022

Mortgage Broker Santa Monica | The Advantages and Disadvantages of Hard Money Loans1. Definition of a Hard Money LoanMortgage Broker Santa Monica – A hard money loan is a type of asset-based loan financing where a borrower receives funds secured by the value of a real estate asset. It is typically used for short-term financing for fix-and-flip projects, renovations, and bridge loans. Unlike conventional loans, hard money loans are funded by private investors or companies, not banks. As such, hard money loans typically have higher interest rates and shorter repayment periods due to the higher risk associated with such loans. Moreover, hard money loans are much more flexible than conventional loans, as they are often tailored to a borrower’s specific needs. This makes them popular for rea... 12/19/2022

Mortgage Broker Santa Monica | What can a mortgage broker do for me?Mortgage Broker Santa Monica – Buying a home is one of the biggest financial decisions you’ll ever make. It’s also one of the most stressful and time-consuming things you can do, so it pays to get help from someone who knows what they’re doing. That’s where a mortgage broker comes in. Mortgage brokers are experts at finding mortgages for people like you and me, but with years more experience than we have. They know how to navigate the confusing world of lenders, credit scores and loan types so they can match you with the best possible mortgage deal.Working with a mortgage broker can save you time and money.Mortgage brokers have access to a variety of lenders and loan programs, so they can compare your options and find t... 12/17/2022

Mortgage Broker Santa Monica | Understanding the Benefits of an FHA LoanMortgage Broker Santa Monica – FHA loans are mortgages insured by the Federal Housing Administration (FHA). These loans are designed to help first-time home buyers or those with less-than-perfect credit and/or limited funds for a down payment. FHA loans offer lower interest rates, more flexible underwriting requirements, and smaller down payments than conventional mortgages.With an FHA loan, borrowers can finance up to 96.5% of the purchase price of a home, so they do not need as much money upfront when compared to a conventional mortgage. This makes them great options for first-time homebuyers who may have trouble saving enough money for a large down payment. Additionally, because FHA loans require only 3.5 percent... 12/15/2022

Mortgage Broker Santa Monica | Understanding PITI: What You Need to Know About Home Mortgage PaymentsAre you considering buying a home? If so, you’ll need to understand the basics of mortgage payments and how they work. One important term that you’ll come across when researching mortgages is PITI—but what does it mean? Let’s break down this acronym and explore the components of a typical home mortgage payment.What is PITI?PITI stands for Principal, Interest, Taxes, and Insurance. These are the four components of a standard mortgage payment. Let’s take a look at each one in more detail.PrincipalThe principal is the amount of money that you borrowed from your lender to purchase your house. Every month, part of your mortgage payment goes toward paying back that loan. As you make payments o... 12/13/2022

Mortgage Broker Santa Monica | Everything You Need to Know About ITIN LoansHave you ever wanted to buy a home but didn’t think it was possible because you don’t have a social security number? Well, an ITIN loan (Individual Taxpayer Identification Number loan) may be the answer. An ITIN loan is specifically designed for aspiring homebuyers who do not have a social security number and makes it easier for them to qualify for a mortgage. Let’s take a closer look at what this loan entails.What is an ITIN Loan?An ITIN loan is a type of mortgage that does not require borrowers to possess either a green card or social security number. Instead, all that is needed is an Individual Taxpayer Identification Number (ITIN). An ITIN loan is designed specifically for non-citizens and other applicants wh... 12/10/2022

Mortgage Broker Santa Monica | Getting a VA Loan with Poor CreditWhat is a VA Loan?A VA loan is a mortgage loan issued by private lenders and partially backed by the U.S. Department of Veteran Affairs (VA). It can be used to purchase existing homes, newly constructed homes, or to refinance an existing loan.What are the benefits of a VA Loan?VA loans offer veterans a unique opportunity to purchase a home with flexible credit score requirements. VA loans are backed by the U.S. Department of Veterans Affairs, and they provide special loan terms, such as no down payment, no private mortgage insurance (PMI), and competitive interest rates. This makes VA loans an attractive option for those who may not qualify for other types of financing due to less-than-perfect credit scores. It’s an excell... 12/08/2022

How much should you expect to pay a mortgage broker?Working with a mortgage broker is completely free. They will guide you and help you understand the factors that impact your pre-approval. A few of these factors include employment, income, debt, credit, assets, and property type. How well you comprehend these factors may determine whether your loan is approved or denied.What are your credentials?I am the Founder of Mortgage Broker Santa Monica and BuyDeluxeHome, a licensed mortgage broker and real estate agent. We are a specialist in helping buyers and sellers with homes for sale in Westside, Los Angeles, California, and specifically homes for sale in Santa Monica, CA, and homes for sale in Beverly Hills, CA. To get answers to other frequently asked questions visit our FAQ section: htt... 12/05/2022

Is it better to go through a mortgage broker or direct to a bank?A mortgage broker is an intermediary between you and the lender. Their job is to find you the best deal. They have a selection of hundreds of different lenders.A bank can only show you what they have to offer. A mortgage broker can show you what that bank has to offer, as well as all of the other options available to you and your needs. Their knowledge of your specific situation and goals combined with their abundance of resources enables them to find the perfect deal for you.A mortgage broker’s pre-approval letter can mean the difference between having your offer accepted or losing out to another potential buyer. This is because listing agents are familiar with a bank’s bureaucracy, which causes them to be slower. But, mo... 12/04/2022

How to Rock Shopping for Mortgage Rates!!!  Have a rate quote but want to see if another lender, banker or broker can "beat it?" Concerned that the Fed will keep hiking rates and trying to decide whether to lock your rate today? Mortgage rate shopping doesn't need to be stressful if you follow these simple tips from an industry pro:No one wants to be defeated,  Rob SpinosaSVP of Mortgage LendingGuaranteed RateNMLS: 22343 Cell/Text: 415-367-5959 rob.spinosa@rate.com Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960 *The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to an... 09/22/2022

Divorce Buyout Refinancing Explained   It's a sobering fact that nearly 50% of married couples will decide to go their separate ways each year. But what happens when there's jointly owned real estate involved? And what if that home has a mortgage on it as well? What's the process for one spouse "buying out" the other and how can any couple best plan for this division? Obviously, a marital separation is stressful enough.  The short video below aims to make it a little less so, at least when it comes to understanding the home loan options.  Oh, and we rock some Frontiers-era Journey while we're at it...   Ready to take a journey with us and rock the divorce buyout process?  Please give me a like or subscribe on YouTube!  Break those chains that bind you,  Rob SpinosaSVP of Mortgage Lendin... 02/17/2022

Let’s look at the cost to buy a home in Santa Monica over the past year. We will look at the median price of a single family home and condo and compare it to the same period last year. We will break it down by zip code and take a look at the price per square foot. The median of 318 single family homes sold in Santa Monica as a whole over the past year is $3.323M with an average price per square foot of $1,379. The median price of 598 condos sold is $1,125M with an average price per square foot of $948. Since each area of Santa Monica is unique, let’s break down the sales by zip code: 90401 7 SF homes sold for a median price of $5.1M with an average price per sq. ft. of $1,750. 28 condos sold for a median price of $1.104M with an average price per sq. ft. of $981. 90402   144 SF homes so... 10/27/2021