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The Z Team 4 RE

Buyers Tips

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What is Considered Qualifying Income When Buying a Home?

What is Considered Qualifying Income When Buying a Home?

Buying a Ventura home involves many components. You need to save up for your down payment and closing costs. Then, do you choose a fixed-rate or adjustable-rate mortgage? As of the writing of this post, 30-year fixed-rate mortgage sit at

admin February 20, 2023February 20, 2023 Buyers Tips Read more

Fixed-Rate Mortgage vs Adjustable-Rate Mortgage

Fixed-Rate Mortgage vs Adjustable-Rate Mortgage

If you plan on financing your Ventura County home purchase, you have a few different choices to make in regards to financing. Conventional? FHA? VA (for the veterans and current military)? Then, there’s fixed-rate mortgage vs adjustable. Each one offers

admin December 19, 2022December 19, 2022 Buyers Tips Read more

How an Escalation Clause May Help Buyers Get Their Dream Home

How an Escalation Clause May Help Buyers Get Their Dream Home

We are still experiencing a seller’s market here in Ventura. Low inventory means that buyers sometimes find themselves fighting with other buyers over a Ventura home they love. That is where an escalation clause could come in handy. What is

admin September 19, 2022September 19, 2022 Buyers Tips Read more

Priority Tasks for Your Move In

Priority Tasks for Your Move In

Moving into a new Ventura County home is an exciting time. You’re probably daydreaming about how to decorate it, what paint schemes to use, and maybe even new furniture. But before you get into the fun stuff, there are some

admin August 1, 2022August 1, 2022 Buyers Tips Read more

Your Guide to a Ventura County Home Appraisal

Your Guide to a Ventura County Home Appraisal

You’ve found your dream Ventura County home. Now it’s time to cross all your T’s and dot all your I’s before it’s all your own. One of the first items on your closing checklist is the home appraisal. This also

admin July 18, 2022July 18, 2022 Buyers Tips Read more

The Difference Between Homeowners Insurance and a Home Warranty

The Difference Between Homeowners Insurance and a Home Warranty

When purchasing a new Ventura County home, you must do in-depth research on all facets of the homebuying process. You need to understand how to best protect yourself and your investment if anything were to go wrong. Check out the

admin July 5, 2022July 5, 2022 Buyers Tips, Homeowner Tips Read more

What to Negotiate When Buying a Ventura House

What to Negotiate When Buying a Ventura House

Whether you are a first-time homebuyer or a seasoned veteran, the negotiation part of the transaction can be a little daunting and stressful. However, negotiating is necessary to ensure that you are getting the best possible deal for your money.

admin June 20, 2022June 20, 2022 Buyers Tips Read more

Which Down Payment Strategy is Right for You?

Which Down Payment Strategy is Right for You?

You’ve most likely heard this rule: “save for a 20% down payment before you buy a home”. The logic behind saving 20% is solid. It shows that you have the financial discipline and stability to save for a long-term goal

admin June 6, 2022June 6, 2022 Buyers Tips Read more

Top Tips for Ventura House Hunting Online

Top Tips for Ventura House Hunting Online

Hunting for a new Ventura County home online is a great place to start your search. In fact, the National Association of REALTORS® found that 90% of home buyers used their computers at some point during the home buying process

Dave & Pat Zumbrun May 17, 2022May 17, 2022 Buyers Tips Read more

Hidden Fees to Be Aware of When Purchasing a Ventura Home

Hidden Fees to Be Aware of When Purchasing a Ventura Home

Purchasing a home is arguably one of the biggest financial decisions you will make in your lifetime. As you start your hunt, don’t forget there will be costs associated with your purchase other than the price of the Ventura home.

Dave & Pat Zumbrun April 18, 2022May 17, 2022 Buyers Tips Read more

Home Buying Tips for Newlywed Couples in Ventura

Home Buying Tips for Newlywed Couples in Ventura

According to wedding blog Maroo, California couples pay an average of $39,000 for their wedding. If buying a Ventura home falls next on your list, you need to save up even more money. For an $800,000 home, that means saving

Dave & Pat Zumbrun March 21, 2022May 17, 2022 Buyers Tips Read more

How to Improve Your Credit Score in Five Easy Steps

improve your credit score

If buying a new Ventura area home sits atop your 2022 “to do” list, you need to make sure you get your credit in order first. The higher your credit score, the better your interest rate. It might take some

Dave & Pat Zumbrun January 3, 2022May 17, 2022 Buyers Tips Read more

How to Avoid Falling Out of Escrow

avoid falling out of escrow

Who watched the fireworks in Ventura County this weekend? They were glorious! It is nice to see a return to some sort of normalcy here in California. Is homeownership next up on your agenda? Oxnard made Forbes’ list of the

Dave & Pat Zumbrun July 6, 2021May 17, 2022 Buyers Tips Read more

CalHFA Helps First-Time Homebuyers in California

CalHFA Helps First-Time Homebuyers in California

California Housing Finance Agency (CalHFA) Requirements to Qualify To even be considered for one of the California Housing Finance Agency’s loans, buyers must meet certain requirements. First, you must be a first-time homebuyer. That means that you either never owned

Dave & Pat Zumbrun April 30, 2021May 17, 2022 Buyers Tips Read more

Preparing for Your First Year of Homeownership

your first home

Being a first-time homeowner can be exciting…and a little scary. Anytime anything breaks, no more calling the landlord. You must fix it yourself. Plus, the expense comes out of your pocket. In your first year of homeownership, the learning curve

Dave & Pat Zumbrun January 4, 2021May 17, 2022 Buyers Tips Read more

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