100 Percent Financing

  • Not CALHFA
  • No Income Limits
  • Don’t have to be 1st Time Homebuyer
  • 640 Fico
  • 30 Year Fixed
  • Great Rates
  • Closing Costs can be Gifted
  • Conforming Loan Limits Apply:
    • OC:  726,525
    • LA:  726,525
    • San Diego:  690,000
    • Riverside/San Bernardino:  484,350

Recently, we reported that many believe a recession could happen within the next two years. We explained that 70% of economists and market analysts surveyed last year believe that a recession will occur in 2019 or 2020 and that 42% of consumers currently looking to purchase a home also agree that a recession will occur this year or next.

However, the U.S. economy has performed well in the first quarter of 2019 and that has caused some experts to change their thinking on an impending economic slowdown.

Here are a few notable examples:

Anthony Chan, Chief Economist at JPMorgan Chase

“I feel really comfortable that the economy is slowing down this year, but not going into a recession… It doesn’t look, to me, like the odds of a recession in 2020 are there.”

Dean Baker, Senior Economist at the Center for Economic & Policy Research

 “To sum up the general picture, the U.S. economy is definitely weakening… However, with wages growing at a respectable pace, and job growth remaining healthy, we should see enough consumption demand to keep the economy moving forward. That means slower growth, but no recession.”

Lisa Shalett, Chief Investment Officer, Wealth Management at Morgan Stanley

“I’m not convinced a recession is coming soon… I see an improving housing market (low rates help), a rebound in bank lending, a tight labor market, higher oil prices and well-behaved credit markets. All these point to a stable U.S. economic outlook.”

Bottom Line

We are seeing a stronger economy than many had predicted. That has caused some experts to push off the possibility of a recession further into the horizon

Transform Your Bed and Bathrooms with Simple and Easy Solutions

Change can be a good thing. It can give us new perspective or liven up something that feels old or outdated. If your life needs a bit of vivaciousness, consider transforming your bed and bathrooms with fresh décor. Follow these tips to get going.


Think Color


Color can impact how we feel — this is calledcolor therapy. It boils down to the idea that warm colors inspire energy while cool colors bring about a sense of calm. Changing the hues of your bed and bathrooms can reinvent your space. However, rather than paint your bedroom walls robin's egg blue, update your accents. A large dose of a specific color, especially one that is bright or unusual, can be overwhelming. Instead, focus on décor to make your space calming or energizing. A royal blue throw can complement light gray walls and make your bedroom peaceful. Forest green bath towels can make a bathroom unique without being inundating.


Sleep Better


If you have had trouble resting, it might be time to turn your bedroom into a sleep sanctuary. Many items can both aid in relaxation and bring a touch of class to your master bedroom. Above all, think of your own comfort. First, examine your bed. Are your sheets breathable? Linens made from natural fabrics can keep you cool at night while also providing comfort. Heavy, dark curtains can keep you asleep by blocking light at night. Soothing scents from an oil diffuser can nurture calmness after a long day. White noise machines and alarms that ease you to sleep with guided meditation can help lull you into sleep gently.


Live Luxuriously


Sometimes, we want a bit of glamor in our lives. Adding some elegance to our bathrooms is the perfect way to achieve that. Updating your mirror is a good place to start. Avoid traditional shapes like rectangles in favor of something more modern. Choose new handles for your cabinets to give them an entirely new look and match them to another aspect of your bathroom, such as the light sconces or the artistic frame around your mirror. This can add cohesion and make your space look designed. An automatic soap dispenser brings ease and modernity to the bath, no matter its age. To give yourself a futuristic feel, get a waterfall shower head that has a Bluetooth speaker. You'll feel like you're in the lap of luxury without breaking the bank.


Update Artwork


Art can make a house feel like a home. These don't need to be grand pieces, but subtle enhancements around the home to spice up your décor. Gazing at art can actually help keep you healthy, so they are valuable additions — but measure your walls before you buy. For instance, if you hang a painting above your bed, make sure it is smaller than the furniture. Larger art pieces above smaller furniture will look out of sorts. You also don't need imposing pieces; instead, consider a series of small photographs or paintings arranged together. This creates interest, and you may be less likely to tire of multiple images than a single feature.


Bring More Light


Nothing uplifts the way light can. A great approach to make your home feel new or fresh is investing in fixtures. Add a small crystal chandelier in the bathroom to elevate it; modern sconces are also tasteful.Frosted glass can give ambient light to help you unwind in your bedroom. Try an overhead light in the bedroom as a statement or art piece. Neon lights can harken back to a favorite aesthetic and remind us of our most-loved films. Whatever you choose, make it something that reflects your taste.


It does not take much to make a space feel new. This is a chance for a fresh start at home, and it needn't be expensive. Add a few touches here and there, and enjoy your house all the more.


Image Courtesy of Pexels

Tis the Season to Sell Your Home

Tis the Season to Sell Your Home


If you’re ready to relocate, there’s no reason to wait until summer to sell your house. While people are busy throughout the holidays, many of them make time to search for a new house while their children have a break from school and have the time to travel. Here are a few tips on how to make this winter your season for a change.


Consider Curb Appeal


Curb appeal is how your home looks from the road. It matters more than you might think, and many potential buyers may be completely put off by a house that looks unkempt on the exterior. There are several ways to make things look festive and neat without going overboard. This includes adding decorations to the front door and porch and displaying seasonal art. Living in a fairly temperate climate, you also have more permanent options to spruce up the outdoors. According to HomeAdvisor, holly, Japanese pieris, and witch hazel can survive cooler temperatures and produce a burst of color in the fall that lasts through early winter.


Lighting is another aspect to consider as the days get shorter and the nights linger. You can never have too much outdoor lighting to help illuminate the property. Even something as simple as solar lights along the walkway can enhance the safety and visual appearance of the house.


Enter the Interior


Now that you have your potential buyers coming through the door, you’ll need to make sure the interior is warm (both literally and figuratively) and inviting. A cold house will be uncomfortable and entice otherwise interested parties to leave before they’ve had a chance to feel at home. As author Ilyce R. Glink explains in this post, the right temperature will depend on the weather. Fragrance is something else to pay attention to, as well. A few mildly scented candles or, as a safer alternative, wax melts, can add to the ambiance of the season. Also, remember to decorate tastefully. A well-placed Christmas tree and its beautiful sparkling lights may give your buyers a sense of comfort and familiarity. If you are using a live tree, be cautious and pay attention to its welfare. Stagnant water can put off a pungent smell. Martha Stewart’s tips on how to care for a live Christmas tree can help you avoid disaster.


Choose the Right Realtor


Finding the right real estate agent takes work, regardless of the season. Avoid the temptation to call the first agent that pops up on a Google search. Instead, take your time and make sure you choose someone who has the right credentials and experience in your neighborhood and price range. Your agent can give you more tips on things you can do to make your home more appealing and will work with other agents to schedule showing. They will also host your open house and make sure the property looks it’s very best on the MLS.


Speaking of Open House


Not all realtors recommend an open house, but any time you can have potential buyers on site is a good time. If you choose to have an open house, schedule it for the weekend. Make sure your home is cleaner than it’s ever been, and make sure to take valuables such as cash, jewelry, and prescription medications with you. It’s also a good idea to hide your children’s video game systems and electronics to avoid the possibility that young visitors will break their favorite toys or, perhaps even more devastating, ruin their progress in a game. Finally, don’t be afraid to leave a few holiday treats out for your open house attendee’s enjoyment.


There’s really no wrong time to sell your home. Remember that your quality of life is important, and if you are ready to go, you should not spend any longer than you have to in a place where you are not happy. So, whether you choose to sell in the winter or wait until spring, make sure to cater to your buyers and find an agent that works for you.


Image via Pixabay


Article provided by Natalie Jones from HomeownerBliss.info

For current statistics on the Lake Arrowhead real estate market, click here. Then return here to contact Glenn with any questions.

Presented by Glenn Tinturin


Open House Etiquette for Sellers with Dogs

Our four-legged friends bring a lot of joy to our lives, but they also make selling a home more difficult. Not only is there more to clean and keep clean to get your house ready to sell, but you also have to keep pets out of the way during showings. This guide explains how you can get a dog-friendly home ready for the open house and practice good dog etiquette during the event itself.

Before the Open House

It’s a simple truth: Clean and organized homes sell better. If you want the fastest sale and highest price possible for your home, keeping it clean is imperative. For example, homes in the Rancho Santa Margarita, California, market have sold on an average price of $643,000 over the last month.


While an immaculate home is harder to achieve with pets, it’s hardly impossible. Start by deep cleaning your home one to two weeks before the open house. Adeep clean should include cleaning the carpets and upholstery, as soft surfaces trap pet hair, dander, dirt and other odor-causing particles. The simplest option is to hire professionals to deep clean. If you opt to do it yourself, check theupholstery cleaning codes to avoid accidentally damaging your furniture. You’ll also want to locate and repair any pet damage in the home.


Once your home is clean, you need a strategy for maintaining it. Close doors and use baby gates to keep pets off of clean carpets. Another option is laying downarea rugs that you can remove before the open house. If training dogs to stay off the furniture isn’t an option, use slipcovers to protect the upholstery and remove them before showings. Be sure towipe paws before letting dogs indoors and brush dogs regularly to minimize indoor shedding.


Homeowners should also keep dogs’ toys, bowls and other accessories contained to one area of the home. Before showings, pack up pet items and store them in a closet or cupboard. If you’re short on storage space, try one of The Everyday Dog Mom’ssolutions. Tucking away your dog’s items before the open house creates a tidy appearance and helps your home appeal to everyone.

During the Open House

On the day of the open house, plan for your pets to stay off site. Dogs distract buyers from the reason they’re really there, which is to view your home. It’s also a safety hazard if your dog jumps on a visitor or a visitor trips over your dog.


It’s not enough to shut dogs in a quiet room or in the backyard. Visitors at an open house need to be able to view every room in the home including outdoor spaces. Even if a dog is contained in a crate, some buyers might not feel comfortable entering a room where pets are being kept.


To ensure your open house is a success, the safest option is to arrangedog boarding on the day of the open house. If your dog doesn’t board well, hire a dog walker to take your pet on a long outing during the open house. Be sure to account for extra time before the open house so you can tidy up without pets in the way. At minimum, you’ll want time to clear and wipe down surfaces, sweep and vacuum floors, and pick up waste from the yard before prospective buyers arrive. The Better Homes and Gardens Real Estate Blog lists additionallast-minute cleaning tasks to complete before the open house begins.


As you prepare your home for the open house, remember that booking cleaning services and dog boarders isn’t just for your prospective buyers’ benefit. Taking these steps also protects you and your pets. If your dog escapes during a busy open house or accidentally harms someone, the outcome could be heartbreaking. By preparing appropriately, you eliminate risk and increase the odds that your open house leads to a sale. 


Image via Unsplash


Article provided by Tamara Gilmore at Pupjobs.com