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Keller Williams | United Home Group Ventura County Blog

Wednesday, July 13, 2022   /   by Tatiana Seidlin

The Mortgage Process...Here's what to expect!

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The Mortgage Process...Here's what to expect!

Today I want to give you a quick overview of what it looks like to get a mortgage loan. Feel Free to take notes for later!

First, you'll apply for your mortgage pre-approval:
Just a bit of paperwork to show sellers you’re a serious buyer. Typically, you'll fill out a form online and submit a few documents to a lender.

They'll send you back a letter of pre-approval for the amount you are qualified for:
Once you've got that letter in hand, it's time to shop and make an offer. Be sure to work with an agent who will help you make offers sellers can’t refuse! (**Raises Hand**)

Offer accepted? Next up is the loan application:
Beef up what you started in the pre-approval process to get your loan ready for underwriting.

Now, we'll be waiting for the loan processing:
Just sit back while loan processors review all info in your loan file and gather documents about the house for the underw ...

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Wednesday, July 13, 2022   /   by Tatiana Seidlin

Understanding Equity

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Understanding Equity
Equity represents the degree of ownership an individual or entity has in an asset after subtracting any debts against the asset. To say someone shares equity in a company means they would share in any assets remaining after all debts are accounted for.

For example, if your business has sold $500,000 worth of product this year, but you have rent, operating expenses, and a business loan payment totaling $400,000 for the year, you have $100,000 of equity in your business. Equity changes as the value of your assets and debts change.

Home equity works the same way. When you take out a mortgage to purchase a home, your home is collateral on the mortgage loan, so the outstanding mortgage principal must be deducted from the value of the home to determine your home equity. In most cases, you make a down payment when you purchase your home. That down payment is your initial home equity. If you pay a 20% down payment on a $200,000 home, you ...

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Tuesday, July 12, 2022   /   by Tatiana Seidlin

Can I Buy & Seller at the Same Time Without Going Bonkers?

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Can I Buy and Seller at the Same Time without going Bonkers?

Both buying and selling a home can be equally stressful, but what about when you are trying to coordinate both at the same time? There are a lot of moving parts, and the agents involved work together to ensure the smoothest possible transactions for our clients. If you are selling your home and want to close on a new home purchase at the same time, here are some things to think about to make your move as smooth as possible.

Truly simultaneous closings are rare these days, especially when financing is involved. Regulations put in place to protect consumers have made simultaneous, or double, closings very difficult to pull off. Concurrent closings occur when a party is selling and buying properties at about the same time, usually within a couple of days of each other. If you wish to close on the sale of your home and the purchase of a new home back-to-back, the best scenario is to work with the sa ...

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  house for sale in thousand oaks, homes for sale in culver city, buying and selling my home

Tuesday, July 12, 2022   /   by Tatiana Seidlin

7 Tips to Help You Part with Sentimental Items

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7 Tips to Help You Part with Sentimental Items
When working with clients who are downsizing to a smaller home, one of the hardest chores they face is letting go of sentimental belongings they no longer have room for. Souvenirs collected during travels, family heirlooms, and your children’s keepsakes can be quite stressful to part with. It doesn’t matter whether the items have monetary value or not; in fact, often the most difficult items to let go of are worthless in terms of money, but priceless in sentimental value.

I personally remember the many tireless hours sitting on the floor with a 'Donate' and 'Keep' pile staring back at me, recalling the memories that belong to each item. It seemed an impossible task, but together as a family, we pushed through.


Here are some tips to help you part with belongings that hold a special place in your heart but you no longer want to keep.

1. Remember that our memories reside within us, not wit ...

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  house for sale in thousand oaks, homes for sale in culver city, decluttering my home

Tuesday, July 12, 2022   /   by Tatiana Seidlin

14 Questions Sellers Often Ask Before Listing Their Home

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14 Questions Sellers Often Ask Before Listing Their Home
If you have a home to sell, you’re probably excited to get the process started. There are many things you need to consider when selling your property, and it’s hard not to feel overwhelmed by the task. The good news is I've done extensive research about what you need to know about selling your home – and I've answered 14 of the questions you’re probably wondering:

1) What percentage of the listing price can I expect to get? 
The list-to-sell ratio is determined by dividing the selling price by the listing price. The ratio is largely market-driven. In a sellers’ market, which is when inventory is low, sellers may get close to 100% or over 100% if the home sells above list price. In a market with a large inventory of homes, a buyers’ market, buyers have more negotiating power, so the list-to-sell ratio may be closer to 90%. My goal is to get you as close to a ...

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Keller Williams | United Home Group Ventura County
2831 N Ventura Rd
Oxnard, CA 9303
805-643-3337
DRE# 01859199

Based on information from California Regional Multiple Listing Service, Inc. as of December 9, 2022. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
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