Mortgage

How to save BIG by buying a home at an auction…
2:34
Cheryl Espinoza Mortgage
17 Views · 4 years ago

Ok, today we are going to talk about buying a home at an auction… Auctions aren’t just for rich people. When houses are sold at auction, the prices can be downright cheap. Here’s how to save BIG by buying a home at an auction…. If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

4 pros and cons to house flipping…
2:43
Cheryl Espinoza Mortgage
15 Views · 4 years ago

Ok, today we are going to talk about the pros and cons of house flipping. It’s possible to make a lot of money by flipping properties. But it’s not as easy as it sounds, and there are just as many pitfalls as there are rewards. Here are 4 pros and cons of house flipping… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

5 things to know before buying in a new development.
2:38
Cheryl Espinoza Mortgage
12 Views · 4 years ago

Buying a home in a new real estate development can be exciting! However, there are important things to be aware of before you sign the contract. There’s nothing like turning the key on a brand-new home that’s never been lived in. But buying in new a real estate development isn’t the same as buying an existing house. Here are 5 tips for buying in new real estate development… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

4 factors smart Realtors consider before setting a listing price…
3:03
Cheryl Espinoza Mortgage
13 Views · 4 years ago

As any good real estate professional will tell you, setting the right price for a home is a mix of technical knowledge and intuition. Realtors have to rely on their experience, knowledge and feel for the market. But there’s more to it than that. Here are 4 factors that smart Realtors rely on to set the right listing price… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

7 Tips for Choosing the Right Financial Planner.
2:47
Cheryl Espinoza Mortgage
6 Views · 4 years ago

To ensure your long-term financial security, it's essential to develop an effective financial plan, retirement strategy and investment portfolio. Since most people don't have the skills required to do this, here are 7 tips for choosing the right financial planner... If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

5 things to consider before downsizing…
2:45
Cheryl Espinoza Mortgage
19 Views · 4 years ago

Ok, today we are going to talk about some important things to consider before downsizing your home… In 1950, the average single-family home in the US was 1,000 square feet, and today it’s 2,600 square feet. The difference is even more dramatic when you consider how much larger families were in the 1950s! Some find themselves living in unnecessarily large homes, which leaves room for downsizing and saving. But before you rush in to selling and buying small, here are 5 things to consider before downsizing… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

6 steps to refinancing (and how to speed up the process).
2:30
Cheryl Espinoza Mortgage
12 Views · 4 years ago

Ok, today we are going to talk about refinancing your mortgage and how you can speed up the process… Whether you’re refinancing to access extra cash or lock in a rate before they rise further, you want things to happen quickly. Here are 6 steps to refinancing (and how to speed up the process)… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

6 ways to save money and stay social…
2:35
Cheryl Espinoza Mortgage
16 Views · 4 years ago

Ok, today we are going to talk about 6 ways your family can save money, but still have fun. Making the most of time as a family doesn’t have to mean spending a bunch of money. In fact, you could be earning some! Here are 6 ways to save money and stay social… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

8 things that make your home harder to sell…
2:34
Cheryl Espinoza Mortgage
19 Views · 4 years ago

Ok, today we're going to talk about what NOT do to when selling your home. When you moved in, your home’s decor may have been the height of fashion. But fashions change. You may still love your home just the way it is, but that doesn’t mean today’s buyers will. If you want to ensure a quick sale for top dollar… Here are 8 things that could make your home harder to sell… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

5 best ways to use your home equity…
2:44
Cheryl Espinoza Mortgage
9 Views · 4 years ago

Ok, today we are going to talk about 5 smart ways to use your home equity… Home equity is the difference between the value of your home and the unpaid balance of your mortgage. You can often access a percentage of that amount through a home equity loan or home equity line of credit (HELOC). Here are 5 of the best ways to use your home equity… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

5 steps to figure out how much home you can afford.
2:40
Cheryl Espinoza Mortgage
8 Views · 4 years ago

Ok, today we are going to cover 5 steps for determining how much home you can afford to buy… Buying a home involves lots of decisions… • condo or single family? • big or small? • inner city or suburban? • new or old? But the biggest and most important decision is: how much can I afford? Here are 5 steps to figure out home much home you can afford…If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

It’s not how much you make, it’s how much you save.
2:02
Cheryl Espinoza Mortgage
6 Views · 4 years ago

Instead of just working harder to make more money, why not make the money you have work harder for you. Here are four strategies to make that happen... If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

The Law of Compensation.
2:09
Cheryl Espinoza Mortgage
9 Views · 4 years ago

Ralph Waldo Emerson wrote that each person is compensated in like manner for that which he or she has contributed. This is often referred to as the Law of Compensation or the Law of Cause and Effect. Basically, it's saying that you get back what you give, whether that's a lot or a little. If you want to increase how much you earn, watch this video: If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

5 online capabilities that home buyers can’t never live without…
3:18
Cheryl Espinoza Mortgage
10 Views · 4 years ago

Ok, today we are going to talk about how the internet has impacted home searching, buying and selling. We’re so used to shopping online, we sometimes forget how technology has transformed the home buying process. Websites, social media, mobile apps, messaging and other platforms help make shopping for and finding a home faster, easier, more efficient, and less frustrating. Here are 5 online capabilities that today’s prospective homebuyers could never live without… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

What every homeowner needs to know about living trusts.
2:15
Cheryl Espinoza Mortgage
8 Views · 4 years ago

Ok, today we are going to talk about avoiding probate conflicts by setting up a living trust. Wills and living trusts are legal documents that distribute property. Both are useful estate planning tools, but there are important differences. Here’s what every homeowner needs to know about living trusts…. If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

4 Ways to Protect Yourself From a Low Home Appraisal…
2:45
Cheryl Espinoza Mortgage
10 Views · 4 years ago

Ok, today we’re going to talk about the importance of the home appraisal in nailing down a deal… In every real estate transaction, there’s the price the seller would like to receive and the price the buyer would like to pay. But there’s one other price that can overrule both those prices: the lender’s appraisal. Here are 4 ways to protect yourself from a low appraisal… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

Money & Relationships.
2:15
Cheryl Espinoza Mortgage
4 Views · 4 years ago

If you haven't noticed by now, money is one of the biggest sources of conflict in relationships. Here's how avoid conflict and build connection... If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

How millennials are impacting real estate…
2:34
Cheryl Espinoza Mortgage
11 Views · 4 years ago

Ok, today we are going to talk about how millennials are changing the real estate landscape… As millennials become the largest adult generation, it’s no surprise that they’re becoming a major force in home buying. According to Zillow, a US-based online real estate marketplace, millennials now make up 42% of all homebuyers. Here’s how millennial buyers and sellers differ from previous generations… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

6 ways to help you save $1k in one month…
2:21
Cheryl Espinoza Mortgage
8 Views · 4 years ago

Let’s say you’ve got a big expense coming up and need to save $1,000 in the next 30 days. While this may sound like an impossible goal, it’s not. All you have to do is put your mind to it, start immediately and adopt some of these proven money-saving tips… Here are 6 ways to help you save $1,000 in one month… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.

3 Money Myths that make no cents!
2:44
Cheryl Espinoza Mortgage
11 Views · 4 years ago

OK, today we’re going shatter a few MONEY MYTHS… Ever since we were children, we’ve heard and repeated familiar sayings about money. One favorite of parents everywhere is, “Money doesn’t grow on trees.” But what if it turned out that most of the conventional wisdom about money wasn’t true, or at least wasn’t helpful? For instance, while it’s literally true that money doesn’t grow on trees, that saying can lead us to believe in scarcity rather than abundance—so scarcity is what we end up with! Here are 3 three other equally destructive money myths to avoid… If you are looking for a top-notch mortgage specialist in California call us at, 661-209-1071.




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