Buying your First Home?

There’s  nothing   quite like the thrill of Buying a Home…and knowing that you got the best possible Home Loan makes it even sweeter.  I am right here for you, and I will walk with you side by side through the entire process every step of the way.



How student loan debt is impacting the housing market?

By, Sandy Flores Broker

Student loan debt is playing its biggest role in the mortgage process yet, and it doesn’t look like it’s changing anytime soon. chart-copy

New data from NeighborWorks America’s fourth annual housing survey found that nearly one-third (30%) of Americans know someone who has delayed the purchase of a home because of student loan debt, up from 28% in 2015 and just 24% in 2014.

The data also cited that more than half (53%) of potential home buyers with student loan debt said the debt was somewhat or very much an obstacle to buying a home, down slightly from 57% in 2015, but above the 49% rate in 2014.

As a whole, to help put this perspective, borrowers are carrying the highest level of non-mortgage debt in a decade.

The National Association of Realtors recently released a survey with similar findings as NeighborWorks America, nothing that about 50% of Millennials, and about two-thirds of Millennial non-homeowners who have student debt, are uncomfortable taking on a mortgage. What’s more, this group was less likely to believe they could even qualify for a mortgage.


Coming Soon in Bellflower!


GetMediacedar4  Cedar

Located just 2 streets from Lakewood and less than a mile from Cerritos,  fantastic location. Direct access into 2 car garage and go to your home through the freshly remodeled kitchen boasting granite counters and built-in stainless steel appliances.

The dining & living areas have beautiful laminate flooring, new paint, lighting and smooth ceilings. The top floor offers 2  new carpeted master suites with walk-in closets and 2 remodeled full bathrooms. Enjoy central A/C & heat, large view balcony, vaulted ceiling, extra storage


¡Un complejo muy bien cuidado en la ciudad de Bellflower!   Localizado a  2 calles de Lakewood y menos de una milla de Cerritos aproximadamente. Una ubicación  fantástica.  Acceso directo al garaje para dos carros. Cocina remodelada.   Bonito piso laminado en el área del comedor, cocina y  livingroom.  2 Recamaras muy amplias con closet extra grande con carpeta nueva en el segundo nivel con el baño remodelad o. Balcón grande, aire acondicionado, pintura nueva, y espacio extra para almacenar.




Enfrentando una


Aproximadamente 456,000 Casas  en los Estados Unidos  se encontraban enfrentando una proceso de Ejecución Hipotecaria durante el mes de enero del 2016  , comparado a 583,000 casas reportadas en Enero del 2015. Este el 51 mes consecutivo que estos procesos van declinando.. En el reporte analítico presentada por La compañía Corelogic  mostró que 38,000 Casas completaron una Ejecución Hipotecaria, en otras palabras 38,000 familias quedaron sin techo donde vivir, comparado al mes de Enero del 2015 donde se completaron 46,000. De Los procesos de reposesion de Casas. California esta entre uno de Los 10 estados del país con el numero mas alto en ejecuciones hipotecarias,

 Es importantísimo saber que los programas de ayuda del gobierno siguen activos hasta el 31 de Diciembre del 2016,  y que la ayuda es gratuita, así como también los programas que ofrece  el Estado de California  bajo “Conserva TU Casa California,  que fue uno de Los estados que recibió mas ayuda financiera del gobierno  federal  por haber sido considerado  uno de Los mas golpeados  por la crisis hipotecaria que sigue afectando a un elevado numero de familias.

Are we there yet?

Price-Income_Featured-f084f5One of the leading on-line real estate destinations,®, has released its latest Local Market Index, a price performance summary of repeat sales in the top 100 markets, and the companion Midsize Markets Report for the next 200 largest markets. Among the nation’s top 300 markets, 166 or 55 percent have now achieved full price recovery 24 more than the 142 markets reported in June.

By July, 50 of the nation’s 100 largest markets experienced a complete price recovery, one more than the prior month. Additionally, 116 out of 200 midsize markets saw a complete price recovery, 23 more than reported in June.

July saw 16 of the top 100 markets post a decline in their 3-month averages. The long-term view remains robust though, with all 100 markets continuing to post year-over-year gains.


Don’t DO a Home Inspection, unless

Getting your home ready to Sell!

reduced2Getting your home ready to sell can seem overwhelming, but it doesn’t have to be. However, you need to look at your home from the perspective of a potential buyer.

Here are some tips that can help you on getting your home ready for sell boosting its curb appeal:

  • Add color to you landscape by either replacing flower beds or potted flowers, along with fresh sod.
  • Replace light fixtures and plumbing fixtures that will give your home a modern touch for a minimal investment.
  • Remove window treatments, unless they are current and high-end. That cuts the risk of turning off would-be buyers who don’t share your taste, and uncovered windows that will let more light into the rooms.
  • If you’re using your dining or a bedroom as an office for example, turn it back to their original use.
  • Replace dirty or worn carpet, you’re better off removing the carpet if there are hardwood floors underneath.
  • Uncluttered your house by packing away items that you will not use on an every day basis is a must. You want the new family to envision themselves living in the home.
  • A deep cleaning before you put your home on the market is a must, so everything shines.
  • Repaint all rooms in neutral colors. A fresh coat of paint also makes the house look newer and more modern.

Focus on low cost improvements! This will enhance your house’s curb appeal, and get your house ready to Sell!

Sandy Flores Broker/Realtor (714)963-7462


Ready, Set, GO!

actnowDon’t obsess with trying to time the market and figure out when is the best time to buy.  

Trying to anticipate the housing market is impossible.

The best time to buy is when you find your perfect house and you can afford it.  Real estate is cyclical, it goes up and it goes down and it goes back up again.

So, if you try to wait for the perfect time, you’re probably going to miss it out!


New Homes Sales beyond expectations!

New Homes Sales beyond expectations!

Luxury Home Kitchen.New home sales beat most analyst expectations rising 6.8 percent. However, despite the increase, April sales did not erase the 11.4 percent drop in new home sales reported in March.

On a non-seasonally adjusted basis sales of new homes nationwide these were estimated at 49,000 units, were the South counted for more than half of those sales.

The average sales price was $341,500, up from $325,100 one year earlier.

Are we there yet?



foreclosure-montageEight national banks,  Bank of America, JPMorgan Chase, Citibank, HSBC, OneWest Bank, PNC, U.S. Bank, and Wells Fargo  saw the performance of their first-lien mortgages improved in the fourth quarter of 2014, while the delinquency rate on those mortgages and the foreclosure activity continued to decline, according to a quarterly report on mortgage performance by the Office of the Comptroller of the Currency (OCC) released Friday.

The mortgages covered in the report comprised about 45 percent of all outstanding residential mortgages in the United States – about 23.1 million mortgages with principal balances totaling about $3.9 trillion as of December 31, 2014.

Foreclosure inventory dropped by 39.7 percent year-over-year in Q4 down to 315,022, and Home retention actions, which included modifications, trial period plans, and shorter-term payment plans, totaled 195,577 in Q4, a decline of 19.5 percent year over year.

What do you think…