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Friday, August 18, 2017   /   by Ruben Abrego

5 Secret Sources of Down Payment Money

By Cheryl Litton
7 min read
Whether you are planning to put down a full 20 percent or pulling together the cash for a 3.5 percent down payment for an FHA loan, your down payment might be the biggest single cash expenditure you ever make. Some scrimp and save for years, while others can ready the cash with less difficulty, but no buyer in the history of home buying has ever said they have too much down payment money.
Here's an insider secret: many buyers have a treasure trove of down payment resources at their disposal, hidden in plain sight. Here's a map to this hidden treasure – a handful of frequently-overlooked sources of down payment funds.
1. Your budget's biggest  line items. Home buying is one of those push-meet-shove-type situations. If you're serious about coming up with your down payment funds, sit down and backtrack over your monthly budget or your last month's checking account statements. Isolate your top 10 budgetary line items and do an internal ...

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Friday, August 18, 2017   /   by Ruben Abrego

The 5 Top Home Buyer Turn-Offs of 2016

By Cheryl Litton
8 min read
Selling a home in today's market can be a bit frustrating. There are all sorts of home staging and property preparation advice out there, and some of it seems daunting or impossible to follow unless you already live in a haute home or have a serious bankroll set aside to whip your place into shape.
You can't turn a rancher into a Victorian – so don't bother trying. But you do have more control than you may realize over how desirable your listing looks to potential buyers. In order to know what turns a buyer on you need to know what turns a buyer off.
Here are 6 big-time turn-offs that make buyers cringe at the thought of purchasing your home.
1. Cluttered, dirty and/or  "fragrant" houses. You already know this one. Every seller does. Yet, even in 2016, the era of Houzz and HGTV, buyers across America walk into homes that would make your mother cringe every single day. The people who come to see your home are making one of the bi ...

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Friday, August 18, 2017   /   by Ruben Abrego

The Downsizing Traveling Couple

By Ruben Abrego
4 min read

Chelsea and her husband wanted to live a more fulfilling life. Ruben & Cheryl made that happen. Not just once, but many times... *A real story from real clients of Ruben and Cheryl.


Life was becoming monotonous for them. With her traveling around the country as an analyst for a financial software company and he as a helicopter mechanic for the government, they didn't have much time to care for their 2,500 square foot home. They felt they were running a 'rat race' they could not get out of. Chelsea and her husband needed help to get out and coincidentally they found it with the ones who originally sold them their home; Ruben & Cheryl.
Previously, they lived in a condo. However, they had the urge to own their first home. They searched for realtors to assist with selling their condo so they could make this happen. After some time searching, they came across Ruben & Cheryl.  Soon after contacting them, they both quickly got to ex ...

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Friday, August 18, 2017   /   by Ruben Abrego

5 Steps Smart Sellers Take to Generate Multiple Offers

By Ruben Abrego
7 min read
Home sales (and values) have been on a strong uptick nationwide thanks to low interest rates, freer lending standards and a drop in the foreclosure rate. Sellers everywhere are breathing a giant, collective sigh of relief! But for all of the buyer activity, it seems like most houses sit on one end of two extremes: they either get snatched up the moment they hit the market (with multiple offers and an above-asking sale price) or seem to languish on the market without an offer in sight.
All sellers aspire to be on the multiple-offer end of the spectrum. Fortunately, there are steps you can take to make that happen. Here are five tips to move your listing in to the multiple offers zone.
1. Price it aggressively. Homes that get multiple offers are often sold in an "auction" atmosphere. If you think back to the last auction you saw on TV or participated in online, you'll remember this basic element of Auctions 101: the starting price is lower &ndas ...

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Friday, August 18, 2017   /   by Ruben Abrego

6 Signs A Home Might Be “The One”

By Ruben Abrego
6 min read


You might have heard that saying about the number of fish there are in the sea – the sea of prospective dates and mates. The same goes for homes on the market. Even when the market heats up as it's doing now; it's not uncommon for a buyer to visit 10, 20 or even more homes before finding the property they want to make their home.
These numbers can be daunting, but even the most particular buyers, even buyers who are frustrated by how many homes don't seem like the right fit, can take heart in this one truth of dating that also applies to house hunting:
You only need to find ONE.
So the next question is this: how do you know which fish is the one you should take home – I mean, make your home? To help, here are six signs that a given home you're viewing might in fact be "The One":
1. You instantly feel possessive about the property. When you walk into 'The One' no matter how long you've been house hunting, you'll get an invol ...

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