2 HELPFUL TIPS FOR 1ST TIME HOME BUYERS

*** Hi Folks ~ Here are a Couple of Tips for you *** Here are a few tips first-time buyers can take when trying to find their first home: Get clear on what you want – This is the most important part of your preparation. You are about to enter a shopping experience that is unlike any other. At times, it can be stressful and difficult. There is a lot of money on the line and a big commitment to be made, so prepare accordingly. Get clear on what you really want and what you are willing to compromise on. This will make your home shopping experience much more efficient and will give you a map to go off of should tensions run high. Take a look at this guide to buying your first home, which might help you narrow down your wants vs. needs. The better prepared you are, the better chance of having a smooth transaction. Do your research – Home shoppers today are more empowered than ever before. You have so much information at your fingertips. Go online and find the areas you want to live in. Narrow down the neighborhoods you want to consider to three or four, and focus on those. Learn about the cost of the things you really want and the cost of the things you can do without. The more knowledgeable you are the better you will be at negotiating a good deal. *** NEED SOME ADVISE ??? GET IT AT 909.901.2481 ~ Cj ***

ARE YOU THINKING ABOUT LOOKING ????

~~~~ HI FOLKS ~~~~ HAS THE THOUGHT CROSSED YOUR MIND ??? THINKING OF BUYING ??? SELLING FOR A LARGER HOME ??? OR DOWN-SIZING ??? HELP IS AT THE END OF THE LINE ... 909-910-2481 .... Cj ~~~~

~~~~ OPEN HOUSE TODAY~!~! ~~~~

########### OPEN HOUSE TODAY ST 3417 ALTURA AVE., CHINO HILLS CA. 91709 ########## TIME: 1pm TO 3:30pm ########## COME & TAKE A LOOK ######## OR CALL WITH QUESTIONS TO CJ 909.910.2481 #############

~ OPEN TOMORROW ~ 3417 ALTURA AVE. ~

))) HI FOLKS ((( ~ OPEN HOUSE 1/10/15 at 3417 Altura Ave., Chino Hills from 1pm to 3:30pm .... Come on by to view this House ... expand to your hearts content ... so many possibilities to make this house YOUR HOME!~!~! Any questions call CJ @ 909.91.2481 ....

7 Helpful Tips for First-time Home Buyers

### HI FOLKS ### HERE IS SOME ADVICE #### NEED SOME PERSONAL ADVICE OR SUGGESTIONS ... GET IT AT 909.910.2481 #### Looking for a new home can be a pretty exciting task. With that much money on the line, it's worthwhile to read up on the process before you set out. Unnecessary mistakes can and should be avoided while trying to get the best deal for your money. As a first-time home buyer, proper guidance from seasoned professionals can make all the difference. Here are a few tips first-time buyers can take when trying to find their first home: Get clear on what you want – This is the most important part of your preparation. You are about to enter a shopping experience that is unlike any other. At times, it can be stressful and difficult. There is a lot of money on the line and a big commitment to be made, so prepare accordingly. Get clear on what you really want and what you are willing to compromise on. This will make your home shopping experience much more efficient and will give you a map to go off of should tensions run high. Take a look at this guide to buying your first home, which might help you narrow down your wants vs. needs. The better prepared you are, the better chance of having a smooth transaction. Do your research – Home shoppers today are more empowered than ever before. You have so much information at your fingertips. Go online and find the areas you want to live in. Narrow down the neighborhoods you want to consider to three or four, and focus on those. Learn about the cost of the things you really want and the cost of the things you can do without. The more knowledgeable you are the better you will be at negotiating a good deal. Talk to the bank – Preparing to get a mortgage in advance of your actual purchase will be super important. Before you start looking at houses you should have a discussion with your lender. The lender will be able to give you an honest assessment of what your finances look like, how much house you can afford and what your rates will be. You want to know all of this – what it will really cost you – before you start looking at homes you can't actually afford. Find out what your monthly payment will be at different amounts and determine what your personal limits are as well. Depending on your credit, the lender may be willing to give you far more than you need. Once you know the time is right to buy a home make sure you get pre-approved by a lender. Make sure you understand the difference between getting pre-approved and pre-qualified for a mortgage. Without a doubt you will want to get pre-approved as a pre-qualification letter is not worth much. A savvy REALTOR® representing a homeowner will pick up on this right away. If you are competing with other buyers and are not financially prepared, you could lose out on your dream home! Think about the future – Is this going to be a starter house that you will move out of in five years? Is it going to be a property that you fix up and flip? Is it going to be the home for your new family that you will be in for 10 or 20 years? Your long term plans will help dictate your purchasing choices. It is important to understand what you really want this home for before you go and sign any papers and spend any money. One of the biggest mistakes first-time home buyers make is not thinking about their long term plans. Find a good REALTOR®– A real estate agent can prove invaluable when shopping for a home. If you find one that is good – an agent that is finding people the homes they want at a price they are happy with – then much of the work will be done for you. The agent will talk about what you want, will run you through much of the above mentioned areas and will help you find the houses that are really what you are looking for. The agent will also be an effective negotiator, meaning that you will probably get more house for your money than if you went at it alone. Set a timeline – The situation you are in is uniquely your own. You want to set a timeline for when you will find and buy a home – a timeline that reflects your realities. If you have bad credit that needs to be cleaned up first, for instance, you will need to spend some time working on that before you actually start house hunting. If you need to move right now, that is another factor in your timeline. Give yourself some restrictions so you will be encouraged to move at a steady pace and get the job done. Hunting for a house can be quite stressful and it is not something that should be drawn out any more than necessary. Determine what you want, work with a REALTOR®, and get it as efficiently as possible. Understand your fiscal responsibility - Another problem that first-time home buyers don't always properly think through is the financial responsibility of owning a home. A large amount of buyers will think about making their mortgage payments and nothing else. If you have been renting for a while, or even living with mom and dad, it is easy to see why this can happen. Unfortunately, owning a home comes with quite a few more additional first-time home expenses that you may not have considered such as appliances, furniture, and even taxes and insurance. These are all important things to consider when putting together your homebuying budget. Use all of the above tips for finding your first home and you will be well on your way to enjoying your new life as a homeowner!

TODAY WAS HIS DAY ~ WON THE JACKPOT

**** MATT PULLED THE JOKER & won the Jackpot Totaling $2,900.00 ~ This was the 1st meeting at our New Office .... Congrats ..... He sprung for lunch for the Office .... Thanks Matt & ENJOY YOUR WINNINGS ****

OPEN HOUSE THIS WEEKEND !!!

**** OPEN HOUSE AT 3417 ALTURA AVE, CHINO HILLS (91709) **** There will be an Open House this weekend. Pencil in a stop to take a peek ... More information to come ........ Cj

~~ 2015 ~~ WE ARE IN !*! ~~

)) WELL FOLKS (( We are in our new office ... There are still fine tuning being done but I was able to get my office desk ready & organized for all the 2015 challenges to come. We are now located at *** 14611 RAMONA AVE., CHINO *** in the Home Depot & JC Pennys Shopping Center ... cross streets are Chino Hills Pkwy & Ramona Ave. ** Come on by & take a peek in or if you are ready for help ask for CJ ... Also can call me at 909.910.2481 *** BEST TO YOU IN 2015 ***

)) BACK TO THE FUTURE ~ YEH ((

~~~ HI FOLKS ~~~ Well, Santa brought me the "BACK TO THE FUTURE" Set for Christmas. On New Years Eve, we went for a nice early dinner & then came home to watch the 1st Back to the Future flick. It Really is a FUN SERIES! I watched them so many times with my son when he was young. He loved them *** Remember that Marty travels to 2015!!! Speaking of 2015 .... BUYING, SELLING OR NEED A NEW LEASE ** CALL CJ IN 2015 AT 909.910.2481 **** I'll take BACK TO THE FUTURE !~!~! TEE HEE ***

*** FEELING A LITTLE CRAMPED ?? ***

~~~ GETTING ORGANIZED IN THE NEW YEAR ~~~ The New Year compels all of us to relinquish the past and change our circumstances for the better. Hoping to literally wipe the slate clean? Look no further than your household. How many times have you vowed to keep things organized, only to discover that by mid-January, the clutter culprits are back in full force? Nothing kills New Year’s motivation faster than setting a goal beyond realistic reach, and if you don’t have a knack for organization, tackling your entire home will be impossible. Rather than organizing every nook and cranny, carry out a small-scale purge instead. 1. Stock up on storage. Unloading more stuff at home seems completely counterproductive, but those bins and baskets will create order out of chaos. Place them at drop points around your house, such as near your main entrance, on your kitchen counter or coffee table, or in your home office. No need for a meticulous system – mail, coupons, takeout menus, instruction pamphlets and more can go in whichever catch-all is most convenient. 2. Gift yourself a paper shredder. Papers tend to accumulate quickly at home, and sensitive documents can be a gateway to identity theft if not handled properly. And trust me – there’s nothing more exciting than watching your cross-cutting machine lay waste to piles of paperwork. Round up junk mail, bank statements, non-active membership documents, and any private information you’re not required to keep and get shredding. 3. Pare down duplicates. Two isn’t always better than one. Consider donating multiples of common household items you haven’t had a need for in a year or more. 4. Get smart about space. Who has time for a closet overhaul? If your closets are bursting, don’t try to cram more into them. Instead, work within the parameters of the space. Vacuum seal items that are not in season, and use this space-saving trick for bed linens: store folded fitted and flat sheets and one pillowcase inside the accompanying pillowcase. For clothes, utilize the hanger strategy: flip your hanging garments so that the opening of the hanger faces you. Whenever you wear an item, put it back on the hanger and turn it to face away from you. After a few weeks, donate, toss or sell items on hangers still facing you. 5. Cut computer clutter. Having too many files not only makes documents harder to find, but can slow down your computer’s processing speed and sap precious battery power from laptops. Remove programs that haven’t been used in six months or more, delete photos that aren’t album-worthy, and reserve space on your desktop for the applications you visit most frequently.(Suzanne De Vita)*** NOW YOU WILL BE READY FOR A MOVE~!~! GIVE ME A CALL FOR HELP AT 909.9102481