Welcome! LOOKING FOR A BANK OWNED? Information on
"HOT BUYS" in Aliso Viejo, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Mission Viejo and other South Orange County Real Estate. I handle real estate in all South Orange County cities. Including, Lake Forest, Coto De Caza, Rancho Santa Margarita,Dana Point, San Juan Capistrano, San Clemente and Laguna Beach. We also sell in Riverside County, mainly Corona.
Smart BUYERS and SELLERS Call Me First, I am an e-PRO Realtor, and "HOT BUY" Specialist for South Orange County, ready to make this a great experience for you. ASK ME TO SEND YOU A 'MARKET TRENDS REPORT' ON A SPECIFIC AREA! This will help you get REAL TIME NUMBERS on pricing. We can help you with your CREDIT SCORES. (If your are not in the 700+ you need to call today!)  Critical in this MARKET! We are SHORT SALE SPECIALISTS. Give us a call to check out your options. No cost to you on SHORT SALES.
1-949-456-9777 Click the Call Me Now Button for an immediate response or TEXT 9494569777@messaging.sprintpcs.com
We give you the SERVICE you desire and
the RESULTS you require...
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Looking for homes, regular or BANK OWNED? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Aliso Viejo, Ladera Ranch, Laguna Niguel and Mission Viejo real estate market in this site.
Check out this site for many valuable links to surrounding communities, plus state and local government www.socchambers.com/page.cfm?Name=links Need expert advice? No web site, large or small, can take the place of a top Realtor. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. Getting together earlier rather than later could help get you into your new home with less stress. Right now, banks are tightening up the credit, so it is very important to talk to us right away, let's make sure your FICO scores will get you the best interest rate. Let me assist you, that's my job! Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Ladera Ranch, Laguna Niguel and Mission Viejo Realtor, I have the experience and track record you are looking for. I will give you the service you desire, and the results you require. Please Call Me First and let me put the power of the THIRD LARGEST Real Estate Company in the United States to work for you! #1 in Buyer Satisfaction for the 2nd year in a row, awarded by J.D.Powers! - Frances Hicks |
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First Time Buyers >Affording A Home
Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.
As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.
Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.
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| Q |
What little-known folk remedy is said to help keep bats away from your home?
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According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
 See More Real Estate Trivia > |
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Heather Millspaugh- Home Mortgage Consultant
Looking for a local, experienced and professional mortgage specialist?
Find Out More >
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- NUMBER1EXPERT™ 
