Open House Sunday Oct 26, 2014 From 12-2 PM

OPEN HOUSE

      43269 Corte Argento, Temecula 92592 

                 PRICED AT $324,900                   

BEAUTIFUL TEMECULA CA SINGLE STORY HOME ON CUL-DE-SAC IN PALOMA DEL SOL. KITCHEN ISLAND, CEILING FANS IN FAMILY ROOM AND BEDROOMS, HARDWOOD FLOORING IN WALKWAYS,UPGRADED DUAL SIDED COZY FIREPLACE IN FAMILY ROOM. GREAT YARD W/ COVERED PATIO. PERFECT FOR ENTERTAINING. COMMUNITY ASSOCIATION OFERS 5 SWIMMING POOLS, SPA, PLAYGROUNDS, TENNIS, WALKING TRAILS, AND GREENBELTS.

Please call 951-634-8843



 

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Riverside Lake Community

Beautifully renovated home in Lake Riverside Estates. Home has all new flooring, new electrical fixtures, new plumbing fixtures, new upgraded BLK appliances, fresh interior/exterior paint. Price includes washer and dryer too. Home looks great and feels as good as new. Home is very private and includes views of the surrounding hills and its amazing lake. Lake Riverside Estates is a gated community 20 minutes east of Temecula. Amenities include a scenic lake, a community pool, riding trails, park and a private landing strip for small aircraft. Check out the pictures then come see for yourself 

Priced at $209,900 3 Bedrooms 2 Bathrooms and 2025 square ft of living space on a 3.02 acre Lot 

 www.RealtorWithStyle.com Miguel Aguilar 951-634-8843 

 

 

 

 

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“The Cove”

Priced to sell $237,000 

Beautiful turnkey home nestled at the base of the San Jacinto mountains in the quiet, very desirable community called “The Cove”. This home is well maintained and clean inside and out! The kitchen features granite countertops and an open floorplan that leads into the living room. The front and backyard are fully landscaped with water wise plants and rockscape. All 4 of the bedrooms are located upstairs. Good sized master bedroom and bath with walk in closet. The community offers two private, gated parks for residents only. Great veiws of the mountains and a great location off of Warren Rd. close to Dominagoni Parkway and the 79. Minutes away from schools and shopping.

Please contact Miguel Aguilar at 951-634-8843 or Miguel@MiguelsWorld.org

 

 

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Listing

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Beautiful Corona Hills Neighborhood located in a quiet, family oriented community called ‘The Summit’

The SummitThis Beautiful well kept home is ready and showcases well! This home is located in the beautiful Corona Hills Neighborhood located in a quiet, family oriented community called ‘The Summit’ This home has great curb appeal with mature landscaping and hardscape.This home features 4 Bedrooms and 2.5 Bathrooms, a formal living room & dinning room, with a spacious kitchen that flows into a nice size family room with fireplace that is great for family entertaining. The yard has privacy for gatherings and great space for family pets as well. This home is one to see!! For additional information please contact me at 951-634-8843 or email me at Miguel@RealtorWithStyle.com 

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Featured Pool Home Temecula CA

Please contact me at miguel@miguelsworld.org or visit www.RealtorWithStyle.com

Realtor With Style

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Three Types of Loans to Help Young Buyers into Homeownership

The road to homeownership can seem pretty steep to young, potential homebuyers. Their lives seem fairly stable but there are some factors that give them pause:

  • The economy isn’t growing at a comfortable rate.
  • The job market offers slim pickings at best.
  • Low consumer confidence in the housing market
    and other economic areas.

With all this said, right now is actually an excellent time for new homebuyers; perhaps the best opportunity they’ll get in their lifetime and they should know not to miss out.

There are three solid loan choices to help young, new homebuyers dive into this “market of a lifetime.” Let’s review:

1. VA loans

Available to veterans and guaranteed by the U.S. Veteran’s Administration, VA loans frequently offer interest rates that are lower than those of conventional loans, and don’t require private mortgage insurance requirement, which saves you additional money each month. The government-backed loans are available to veterans, reservists, active-duty personnel, and surviving spouses of veterans, and require no down payment, no cash reserves, and no application fee. Also, the seller is required to pay certain closing costs, which decreases the closing costs for the borrower as well. You can also cash out a certain portion in order to pay off some consumer debt with the refinance loan program. Lenders offers the VA Interest Rate Reduction Refinance (IRRRL) loan program, which can significantly reduce the interest rate on an existing VA loan.

2. FHA loans

FHA loans were created to help borrowers who wouldn’t otherwise qualify for a traditional home loan or would be subject to higher interest and high mortgage insurance. Available as 30- and 15-year fixed-rate loans as well as 3/1 and 5/1 ARMs, the loans require only a 3.5 percent down payment, which can be from a qualified gift, and there are no income limitations. These loans offer flexible underwriting, and a non-occupant family member may co-sign (for single-family homes only). Property condition standards are much more relaxed than they used to be for these loans, and borrowers can even roll in non-structural rehab work totaling up to $35,000 on the home. Also, the federal mortgage insurance for these loans is usually much less expensive than private mortgage insurance (PMI), which saves you some money.

3. Loans with 97 percent loan-to-value

These loans are just what they say: they let you finance up to 97 percent (with DU approval only) of the home’s value, which makes them an excellent start for young homebuyers wishing to buy, but not having much for a down payment. With only 3 percent down, you can finance the purchase of a single-unit primary residence with a price tag of up to $417,000.

Mortgage insurance companies may have additional guidelines.

Historically low rates and home prices, along with these three powerful programs should give first time buyers confidence in moving forward. If you’re ready to make a move and become a homeowner, please contact me using the information below. We can explore available home financing options and take the first step towards homeownership.

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Buyer Or Investor Wanted

Ok looking for a buyer or investor who is looking for a single story
Property Type: Single Family Residence
Bedrooms: 4
Bath(F,T,H,Q): 2.5
Sqft (Src): 2,122 (Assessor’s Data)
Ac/LotSqft (Src): 0.13/5,662 (A)

Purchase price $265,000 with tenants till Sept at 1700.00 Monthly
please email me miguelsworldgmail.com
www.MiguelsWorld.org

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Three Types of Loans to Help Young Buyers into Homeownership

The road to homeownership can seem pretty steep to young, potential homebuyers. Their lives seem fairly stable but there are some factors that give them pause:

  • The economy isn’t growing at a comfortable rate.
  • The job market offers slim pickings at best.
  • Low consumer confidence in the housing market
    and other economic areas.

With all this said, right now is actually an excellent time for new homebuyers; perhaps the best opportunity they’ll get in their lifetime and they should know not to miss out.

There are three solid loan choices to help young, new homebuyers dive into this “market of a lifetime.” Let’s review:

1. VA loans

Available to veterans and guaranteed by the U.S. Veteran’s Administration, VA loans frequently offer interest rates that are lower than those of conventional loans, and don’t require private mortgage insurance requirement, which saves you additional money each month. The government-backed loans are available to veterans, reservists, active-duty personnel, and surviving spouses of veterans, and require no down payment, no cash reserves, and no application fee. Also, the seller is required to pay certain closing costs, which decreases the closing costs for the borrower as well. You can also cash out a certain portion in order to pay off some consumer debt with the refinance loan program. WJB offers the VA Interest Rate Reduction Refinance (IRRRL) loan program, which can significantly reduce the interest rate on an existing VA loan.

2. FHA loans

FHA loans were created to help borrowers who wouldn’t otherwise qualify for a traditional home loan or would be subject to higher interest and high mortgage insurance. Available as 30- and 15-year fixed-rate loans as well as 3/1 and 5/1 ARMs, the loans require only a 3.5 percent down payment, which can be from a qualified gift, and there are no income limitations. These loans offer flexible underwriting, and a non-occupant family member may co-sign (for single-family homes only). Property condition standards are much more relaxed than they used to be for these loans, and borrowers can even roll in non-structural rehab work totaling up to $35,000 on the home. Also, the federal mortgage insurance for these loans is usually much less expensive than private mortgage insurance (PMI), which saves you some money.

3. Loans with 97 percent loan-to-value

These loans are just what they say: they let you finance up to 97 percent (with DU approval only) of the home’s value, which makes them an excellent start for young homebuyers wishing to buy, but not having much for a down payment. With only 3 percent down, you can finance the purchase of a single-unit primary residence with a price tag of up to $417,000.

Mortgage insurance companies may have additional guidelines.
Please contact me with any questions to guide you to my proffered lender 951-634-8843 Miguel@MiguelsWorld.org

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Understanding FHA Financing To Purchase Your Next Home

I am asked on  a weekly basis “what are the programs out in the market to help maximize my purchasing power”

 

In 1934, the federal government established the Federal Housing Authority (FHA). The FHA was not created to actually lend money; rather, it was created to insure the loans made by approved lenders to protect the lenders against defaults on the loans.

If a borrower obtains an FHA loan and then defaults on it, the lender is compensated by FHA, and thus the lender will not lose as much money and is therefore more willing to lend according to FHA guidelines.

Inviting Terms
Originally considered a program mainly for first-time buyers, FHA loans are now one of the most popular types of loans for all types of borrowers due to a variety of attractive features:

  • Low down payment. FHA loans let new buyers put down as little as 3.5 percent of the home’s purchase price. Gift funds may be used for the down payment, which means you may not need to come up with any cash at all.
  • Market-appropriate loan limits. For many years, FHA loans had very low maximum loan limits. But in 2007 the FHA raised its loan limits to equal the median home price in your market.
  • Lower credit requirements. While there are no set credit requirements, it’s best to contact me to determine if your credit history along with other factors will qualify you for an FHA loan.
  • Low up-front mortgage insurance rate. The FHA requires mortgage insurance to protect itself from loan defaults, but premiums are only 1 percent of the loan amount. The premium can be paid directly by the borrower or rolled into the loan amount.

In the past FHA loans were considered “risky” or too much trouble for lenders, with strict regulations and requirements that had to be met before an FHA loan would be approved. Borrowers who applied for an FHA loan were also sometimes considered high-risk, because usually they would not qualify for conventional funding. Relaxed guidelines combined with the state of the market have taken the stigma off of these loans and made them a great choice for nearly any borrower.

Other Considerations
While FHA loans offer less stringent terms than you would find with conventional loan requirements, they are also designed to ensure responsible homeownership. FHA loans impose ratios on borrowers’ debts in relation to their income. The FHA also requires you to pay 1% of the loan amount as an upfront mortgage insurance premium. In addition, annual mortgage insurance payments are also required, divided into monthly payments of 1.10% to 1.15% for 30-year loans, according to the loan-to-value ratio.

 

If you would like additional information please contact me to direct you to my preferred lender to help you with any questions 951-634-8843 miguel@miguelsworld.org

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Looking to Buy? It’s Time to Make a Move

Looking to Buy? It’s Time to Make a Move

Whether you are considering a first home, a larger home for a growing family, moving into your dream home or perhaps buying a second home or rental property, two key economic factors, mortgage rates and home prices, have lined up in your favor. Let’s take a look at how they are working together to give you extremely potent buying power and why you should take action now before these favorable conditions change.

Irresistible Interest Rates
When you read in the newspapers that rates are at historic lows, this is not an exaggeration. Interest rates on home loans truly are at the lowest they have been in decades. The reason for this is that due to the recent “Great Recession,” the Fed has had to lower the federal funds rate to between 0 percent and 0.25 percent. The federal funds rate is the interest rate at which savings banks, commercial banks, savings and loan associations and credit unions trade balances with each other.

The federal funds rate impacts all other rates, including mortgage loans, so, at times of slow or no economic growth, the Federal Reserve will lower the federal funds rate in hopes of making credit cheaper to all people and in turn boosting the economy. This is why home mortgage rates have remained so low. The moment the economy starts to truly grow, the Federal Reserve will start to increase the federal funds rate, and home financing loan rates will follow suit.

Right now, mortgage rates are incredibly attractive after a downward slide over the course of 2011 that ended with 30-year fixed-rate mortgages in the 3.9 percent interest rate range. So far, in 2012, rates have topped the 4 percent mark, according to surveys from the Mortgage Bankers Association, but these are still historic lows.

Will rates stay like that? Well, factors such as increases in retails sales and improvements in unemployment are pointing to a recovery. After a spike to 10 percent in October 2009, unemployment rates have been on a solid downward trend since September 2011, and have been hovering at 8.3 percent.

Certainly, qualifying for loans is harder these days. More rigorous documentation is required, and down payment requirements and other lending terms aren’t as loose as they were during the 2005-2006 real estate boom, but if you are in solid financial shape, you needn’t worry. I’d be happy to sit down with you and look at what loans make the most sense for your financial position, and to work out different scenarios using today’s low rates, as well as rates after possible increases in the near future.

Home Prices
In terms of home prices, now has never been a better time to buy. After spending months at stratospheric highs during the real estate boom, homes that had doubled in price by 2006 are still below their pre-bubble values.

If anything, home prices are still in retreat. Using data from the National Association of REALTORS®, the median cost of existing single-family homes ended 2011 nearly at the same price it began the year, $158,000. And that price tag is down from 2010 and 2009.

That said, inventory might be starting to slip, which could see prices go higher. In recent months, housing inventory has been hovering around a six-month supply (at current sales rates), with roughly 2.4 million homes for sale. That might look like a lot, but it is nearly 20 percent below what it was a year ago.

Using simple supply-and-demand, it’s not hard to see that with declining inventory, today’s low prices could go up in the not-too-distant future. This is just as true for today’s rock-bottom interest rates, so it’s not hard to see why savvy homebuyers are responding to the bargains. All-cash purchases of existing homes are accounting for roughly 30 percent of transactions, and investors are accounting for more than 20 percent of purchases. The investors know a good deal when they see one, and today’s lending and real estate environment represents an amazing bargain indeed.

Make Your Move
The numbers don’t lie. You will most likely never see a better buying opportunity than now. If you are considering a purchase of a larger home to accommodate a growing family, the dream home you’ve always wanted, an investment property or any other home purchase, take the time to review the numbers. Mortgage rates and home prices have created a spectacular buyer’s market.

But remember, it won’t stay this way forever. An improving economy could foster higher rates, and declining inventory could see prices go up. If you are on the fence about a real estate decision, don’t be. Now is the time to make your move. Please contact me using the information provided on this newsletter and I’d be happy to help you develop a strategy to take advantage of this historic opportunity.

 

This will not last so please call me with any questions and I may direct you to my direct lender

Miguel Aguilar 951-634-8843 miguel@miguelsworld.org 

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