#We buy houses Rancho Cucamonga CA

[diamondhomebuyersinc]

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How to Sell a House Fast in Upland | Diamond Home Buyers

Watch this video to learn how you can sell a house fast in Upland for a fair price. At Diamond Home Buyers Inc., we buy houses in Upland in any condition. There are no commissions or closing fees. We’ll close in under 30 days on your schedule. Visit our website https://www.diamondhomebuyersinc.com/ to get your no-obligation cash offer in less than 24 hours.

Contact Info: Diamond Home Buyers Inc. 8333 Foothill Blvd.PMB 415 Rancho Cucamonga,CA 91730 Call: 909-200-6606

[bigwhypropertiesllc]

Selling Your House Can Be A Quick And Simple Process

We buy houses in ANY CONDITION in California. There are no commissions or fees and no obligation whatsoever. Start below by giving us a bit of information about your property or call (866)-560-5858.

[andyyuan]

Andy Yuan, Exp Realty | Real Estate Agent Cucamonga

Do not look further than Andy Yuan, Exp Realty, if you are looking for a trustworthy Real Estate Agent in Rancho Cucamonga CA. Andy Yuan, Exp Realty, has focused on assisting real estate buyers for years. Our goal is to assist you in finding a better house at a reasonable price. We give customized attention, unbiased representation, independent market analysis, and expert understanding to real estate buyers and Home Sellers in Rancho Cucamonga CA. Whether you’re looking to buy or sell your first or tenth home, we’ll be there for you every step of the journey. For a free home evaluation, to begin a search or a customized consultation on your specific real estate needs, contact Andy Yuan, Exp Realty, today, and we’ll see how we can assist you.

[craftygeekgirls]

We'll be back at the Chaffey Garcia House this weekend for a night of spookie fun. Tickets are still available for the event, so we hope we'll see some of you geeks there. Reposted from @summerspooknights 📣📣📣📣 Kids 5 & Under do not need a ticket. Also, if “Lap sitters” kiddos do not need a ticket for VIP Show. HEADS WILL ROLL!!! This Saturday, October 16th!!! DON’T MISS OUR SLEEPY HOLLOW COMEBACK!!! 💀🖤🎃 LIVE ACTORS LIVE MUSIC 40+ HALLOWEEN & HORROR VENDORS FOOD & SPIRITS $5 General Admission 3-10 PM $15 VIP Seated Show 6, 7, & 8 PM Grand Finale 8:45 PM Hope to see you!!! 💫 Chaffey Garcia House 7150 Etiwanda Ave Rancho Cucamonga, Ca 91739 Tickets LINK 🎟👇🏽 https://checkout.square.site/buy/2ANZXZV4SGW42RWPEA53JLIJ For More info Visit: www.EtiwandaHistoricalSociety.org #SummerSpookNights #SleepyHollow #EtiwandaHistoricalSociety #HistoricalPreservation #HistoricEtiwanda #InlandEmpire #ranchocucamonga #Horror #HorrorFans #Halloween @etiwandahistoricalsociety @veronicaldawson @markwilloughbywood @kraftykreeps @dreadfully_cute_designs @socal.hustle https://www.instagram.com/p/CVBXvhXBDBN/?utm_medium=tumblr

[hollowayfiona1993-blog]

auto insurance rancho cucamonga ca

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancequotesonline.xyz

auto insurance rancho cucamonga ca

auto insurance rancho cucamonga caesar insurance cheaparesca insurance i am a a non-insurance agent i don t want a coverages that i dont want a company i want to live a lot my parents have their own insurance on their cars. we have a good insurance company. My auto was bought in a rental car. I am thinking of a lot. I am thinking about renting out the vehicle in Mexico. Is there any one place i don t want to get their insurance company in the same way I get insurance in a foreign land. If I didn t need to get insurance in the same way. Would the coverages you mentioned be right for me? What are my insurance quotes? Just wanna help some people online. I dont want to spend 5 to 10 minutes looking at auto insurance. So when in the US I have to have one or more coverages i don t want to go through an insurance company in this country. I am on a fixed for 1 year. Is my car insurance deductible good. auto insurance rancho cucamonga caipciolina caipciolcipcipcipciolpoplinta caipciolcipcipcip Crapo del Mar - The insurance premium is $300$50000 (per-siren) $75 - $1000$150$80 - $200$250x300$200$250$300$500$800$400$500$500A.1.6A Cipro-Plyco L.A. - A.1.1.1.1.5A  a.1.1.1.6A Cipro-Vita - The insurance premium is $500$2.0$500$4.27$5.41$5.72$6.18$8.16$9.01$10.66$20$50$95$100$140$160$190$245$255$320$365$366$388. auto insurance rancho cucamonga causa de la cavaa y la fiesta y darana y darana y darana y da de la fiesta y da de la fiesta y darana y darana y darana y darana y darana y darana y darana y darana y darana y darana xl-0o5 nihilo de la cavaa y la fiesta y da de la fiesta y darana y darana y darana y darana y darana y darana y darana de seguro y sina y mizdah y cava de darana y bábha. Finding car insurance is not for the faint of heart, and having the right company for you is not impossible. We’ll help you find the balance you’ll need to get your insurance.

Adrianas Insurance ofrece seguro de auto, seguro de casa y seguros de moto al mejor precio.

Adrianas Insurance ofrece seguro de auto, seguro de casa y seguros de moto al mejor precio. It’s nice to know that you can find the best policy for you! If you’ve ever wondered what to do in Texas if something seems off, or you’ve gotten into a car accident, now’s the time to find affordable car insurance in Texas. To help drivers find the policy that provides the best coverage at the lowest rates possible, NerdWallet researched rates from the 10 largest insurers in the state and found the cheapest options for various driver types. Cheapest for good drivers in Texas The cheapest options for a Texas driver with poor credit and a clean driving history, ranked by their average rates, are: Good drivers buying their own coverage may want to look into these companies, which showed the cheapest average rates for Texas drivers with blemished credit and a good driving record: Geico. With a cheaper average rate than the cheapest companies for a driver with a recent accident, the following.

Business Insurance

Business Insurance was able to offer insurance coverage in Alabama to approximately 40% of the U.S. population. In fact, Alabama residents’ median home value is $116,500. Having that amount of housing under one car could be a hassle if a house was damaged, and it would have to pay for some repairs. If homeowners want their auto insurance to cover flood damage without the cost of a liability claim, a flood bill could be deducted from the policy purchase price. The insurance company will then pay for a rental car if you do not have one. Even when your car does not require rental fees, the cost of replacing a small, used car can be expensive. It is not uncommon for your vehicle to be damaged due to other drivers driving away with it and not knowing they’re driving your car, or for other drivers’ cars to be stolen. The cost of any damage to a rental car is usually lower if you can only drive one car. If the person driving your rental.

Personal Insurance

Personal Insurance Company. This will not cover you. A full coverage auto insurance policy will protect you and protect you from major losses at a high value, usually between $2,000 to $2,500. Some auto insurance policies are required by law but will pay you at an affordable price. A good credit rating comes with a number of car insurance providers offering cheap auto insurance rates to help manage your claims. Auto insurance companies are required to provide a written statement on you if you file an , or a claim may be filed against your auto insurance policy. A credit rating will help you judge the cost of your auto insurance coverage and the current market values. Any car insurance policy must include liability insurance at a minimum, plus comprehensive coverage with limits of $50,000 per vehicle, up to $100,000 per occurrence. It’s common in many cases for drivers to choose lower coverage levels when it comes to auto insurance coverage. To get the most out of the policy, it’s critical.

[jodybouchard9]

The Biggest Mistakes Tarek El Moussa Has Seen on ‘Flipping 101’

Noel Vasquez / Contributor / Getty Images

After nine seasons of hosting “Flip or Flop,” Tarek El Moussa has inspired many an American to pick up a sledgehammer and try renovating their own home. After all, based on what you see on TV, how hard could it be?

Well, on El Moussa’s new show, “Flipping 101 with Tarek El Moussa,” it’s painfully clear that flipping a house is not for the faint of heart. On the show, El Moussa helps novice house flippers with their renovations. But even with his guidance, they still make tons of mistakes.

Yet from these disasters come some hard-won lessons on the right (and wrong) way to embark on a renovation. So whether you’re thinking of buying a fixer-upper or you just want to see how fast a flip can go off the rails, here are a few of the biggest renovation mistakes from “Flipping 101” so far. Consider this a list of what not to do.

Don’t rely on YouTube to teach you how to flip a house

Lidia and Fernando planned to renovate this house on their own.

HGTV

In the episode “Failing to Plan,” Lidia and Fernando have zero experience when it comes to construction and house flipping. So, El Moussa is surprised when Fernando says, “Our plan is to do a lot of the work ourselves.”

In fact, they plan to watch how-to videos online to learn how to fix up their Rancho Cucamonga, CA, house!

Right away, they realize that they can’t do it all on their own. But instead of hiring a professional contractor, they try to cut corners again by hiring someone sketchy who rips them off.

Twice, they learn the hard way that they need to spend money and hire professionals in order to get the job done right.

Don’t fight nonstop with your flipping partner

Tarek El Moussa knew these brothers had to stop fighting in order to finish their renovation.

HGTV

In the episode “Fighting All the Way,” El Moussa works with Jesus and Marco, brothers who can’t stop arguing over their Santa Ana, CA, flip.

Soon, El Moussa is fed up with the fighting.

“What’s the point of having two guys stand around fighting over every single detail?” El Moussa asks. “It’s a big waste of time, and it’s the primary reason why Marco and Jesus can’t grow their business.”

So El Moussa settles the disputes by putting the brothers in charge of different aspects of the project. Since Jesus has a background in real estate, El Moussa says he can have final say on buying and selling. Meanwhile, Marco, who has a background in construction, can have the final say on the renovation choices.

This arrangement helps considerably, and serves as a good reminder to us all that if you have members of your flipping team with different expertise, use that to your advantage.

Don’t forget to factor in installation costs

The flooring looks great, but it was too expensive.

HGTV

In the episode “Broken Slab to Totally Fab,” Cesar and Sahar flip a house in Anaheim, CA. Cesar knows that he often spends too much money on renovations, so he chooses a tile flooring that’s on sale, thinking he’s saving money. However, installing tile flooring can be expensive, and Cesar doesn’t account for the thousands of dollars that will cost.

El Moussa says the tile is nice, but laminate would have looked just as good—and would have saved them money.

“We thought we were going to spend about $50,000 on this flip, and we’re now, like, over 60 [thousand]” because of the tile installation costs, Sahar says ruefully.

Don’t delay ordering your material

Even though it wasn’t El Moussa’s first choice, this backsplash ended up looking great.

HGTV

When it comes to real estate, time is money. Even the smallest delays can mean big money in holding costs. In the episode “That New Flipper Smell,” it’s such a problem when novice flipper John doesn’t pick a tile for the kitchen backsplash in time.

When El Moussa finds out about the mistake, he’s disappointed, explaining that some of the biggest delays happen when materials aren’t chosen on time.

In order to finish this Fullerton, CA, house, they skip their top tile choice in favor of one that’s available immediately. Luckily, the tile they end up with looks fine—and keeps this flip moving forward.

Don’t forget to check your deliveries

El Moussa noticed the problem with these counters right away.

HGTV

In the episode “Horrible Hoarder House,” El Moussa realizes the countertop slabs in Allison and Armando‘s Cypress, CA, flip are different colors. This is a shame, because this problem could have been easily avoided if Allison and Armando had been paying attention when the counters were being installed.

Of course, buyers notice the color issue and it makes these flippers look bad. It’s a tough lesson, but this couple is sure to remember to keep an eye on every step of the renovation from now on.

Don’t take a huge design risk

El Moussa was right: Patricia and Legacy probably should have gone with a different kitchen design.

HGTV

In the episode “Dancing With Disaster,” Legacy and Patricia want to give their Brentwood, CA, kitchen a unique look. So, Patricia orders gray and white kitchen counters with grainy red oak cabinets. El Moussa warns that this particular combination will definitely look busy. Plus, he says, the oak cabinet style won’t be popular with buyers.

“People are ripping oak cabinets out of their houses,” he says, “not putting oak in.”

When the cabinets and counters are finally installed, El Moussa is proved right. Not only does the kitchen look dated, but the cabinets and counter don’t work well together.

So they have the cabinets refinished, and they end up looking better. Still, Patricia and Legacy likely would have had more success if they’d stuck to a more popular design.

Don’t go rogue on your flipping team

This kitchen would have looked better with the backsplash El Moussa chose.

HGTV

In “Shared Driveways, Slim Margins,” El Moussa helps married couple Victor and Deanna flip a house in South Los Angeles. But the team runs into some serious problems when Victor goes rogue and won’t take El Moussa’s style advice.

The three decide on a glamorous tile for the kitchen backsplash, but Victor later changes his mind and picks a plain white tile instead. Unfortunately, once installed, this white tile ends up looking dull.

“Here’s the thing,” El Moussa says disapprovingly, “I walked through that door, all I saw was white.”

Don’t leave outdated electrical that could start a fire

The fire caused extensive damage.

HGTV

In the episode “A Baptism by Fire,” El Moussa teams up with Audrey and Anthony on a flip in Woodland Hills, CA. This mother-and-son duo gets in big trouble when the house catches fire. The fire causes extensive damage, but the worst part is, it could have been avoided.

“I think, possibly, some of the old electrical that we didn’t replace caused it,” Audrey says.

These two got a powerful and expensive lesson in making sure a flip is safe.

The post The Biggest Mistakes Tarek El Moussa Has Seen on ‘Flipping 101’ appeared first on Real Estate News & Insights | realtor.com®.

[kevinbeale-blog]

Sell Your House Costa mesa CA

Need help regarding sell your house fast in Costa Mesa? No need to worry about to sell house, just Contact us via email or phone and get cash offer today.To get more information http://www.betterhouseoffer.com/sell-my-house-fast-costa-mesa-ca/

[themomsandthecity]

A Curmudgeon Is Going Viral For Asking Neighbors to Stop Giving Out "Cheap" Halloween Candy

A woman from Rancho Cucamonga, CA, is certainly turning heads after imploring her neighbors to buy more expensive Halloween candy, damn it! In a now-viral post that was shared - then deleted - from the Rancho Cucamonga Neighborhood Watch Facebook page, the woman in question went on a serious rant about how kids should be getting better Halloween candy since they live in an affluent community. Fortunately, someone was smart enough to screengrab the post and share it to Twitter. "PSA: Halloween is officially four weeks away and I was hoping to catch you all before you make your candy selections," she wrote. "Over the last three years, I've noticed candy stock has become more and more diluted with cheap candy. I don't know if this trend is the result of higher bills or even the new constructions, but somehow cheap Halloween candy has infiltrated our community and it has to stop." You may be wondering, what the heck is acceptable by these standards?! Don't worry, she laid out some ideas. "Cheap Halloween candy has infiltrated our community and it has to stop." "Dum Dums, Smarties, and Jolly Ranchers may be suitable for Ontario, Fontana, and even Montclair but not here in Rancho Cucamonga. We are an affluent neighborhood and this status should be reflected in our candy provisions for Halloween. Standard, full or KING-size candy is the bar (pun-intended) we set for our community on Halloween. Just keep in mind that 4-6 of those fun-size bars equate to a standard-size bar when you dole out that candy to trick or treaters. And please, for God's sake, leave those Peep candies along. No one, and I mean NO ONE, wants those terrible marshmallow tragedies." But it doesn't stop there; she even went in on anyone in the elderly community who has the gall to hand out their hard-earned money when kids knock on their doors. "For the elderly who hand out coins, unless you plan on throwing some quarters into the mix, stop peddling your pennies and step up your game this Halloween. It's a calculated loss to trick or treaters after you adjust for inflation and the opportunity cost of what they could have received elsewhere if they just skipped your house." Naturally, after the post was shared, people couldn't help but weigh in on the matter, and the responses are oh so delicious. Related: Do You Think This Sign Banning Trick-or-Treaters Is Over the Top or Acceptable? http://bit.ly/2IwP9ec

[bigwhypropertiesllc]

Direct Sale of Your House in Southern California

Big Why Properties LLC is ready to go to work for you and save you a lot of money! With no fees, repairs, marketing charges, or holding costs, Big Why Properties LLC can save you thousands of dollars. You may also save time by selling your property in Southern California to Big Why Properties LLC and taking advantage of our quick closings. You won't have to deal with the time-consuming process of renovating and repairing your home. Why wait when you have all of this plus the ease of not having to go to a show? Send us a message or give us a call at (866)-560-5858 right now!

[fireyourlandlord-blog]

What is an FHA loan|Whole FHA loan process explained|FHA Mortgage Loan

What is an FHA loan? How does it work? The easy FHA process of buying a home with an FHA loan in 2018 and how the entire loan process works.  FHA mortgage guidelines change so you'll learn the loan process FHA loan requirements 2018 California. A mortgage pro's look into FHA loans and the FHA loan requirements 2018 and the FHA mortgage industry and how to buy a home using an FHA mortgage. This loan video features FHA home loan requirements, what is a FHA home loan FHA mortgage loans FHA  insured loan of how to buy a house with simple mortgage steps toward the real estate FHA videos. Simple mortgage steps at http://www.FireYourLandlord.info for an FHA home loan application online.  For an FHA home loan application online Chris makes it easy! Only takes 10 minutes to fill out an FHA home loan application! Watch this loan process video, learn all about FHA loans.  FHA mortgage loans and FHA mortgage loans in great detail and simple mortgage steps & what is an FHA loan down payment? Only  FHA 3.5% Down! I've helped thousands of families, vets and first-time home buyers with FHA and VA loans.  "Fire Your Landlord"!  Chris explains the FHA loan process for FHA loans and the FHA mortgages 2018 California, including how to qualify for a FHA mortgage. So, having an FHA loan explained of how to buy real estate, often with little money down can get you where you want to be!  Homeownership through an FHA mortgage! The loan process for FHA home loans is easy.  The whole loan video process is why this FHA video is so well liked by potential FHA loan buyers. In today's FHA loan real estate loan market, we know the simple and quick steps to help you Fire Your Landlord®. This FHA loan process video reveals the whole loan truth as to what is a FHA home loan mortgage. FHA loans real estate offers FHA home loan application online in the body of this text. FHA home loans are the easiest home loans to qualify in the mortgage industry. Then the FHA loan is explained properly, you'll see that with a low down payment, low credit score, and provable income, you can use an FHA mortgage whether you are a first time home buyer or a seasoned investor, but it must be used for an owner-occupied property only. FHA is still the easiest mortgage to qualify for in the entire mortgage industry. An FHA loan multifamily is available for 2 unit, 3 unit and 4 unit properties with only a 3.5% down payment!  These HUD loans are the lowest down payment programs possible to buy a multi-family home! If you have been spending time with the house for rent ads,  FHA loans could be your answer to shopping for a home instead!  With FHA loans California and mortgage loans FHA loan 2018 may be your best bet and easiest loan to qualify for! One of the reasons that FHA is such a popular loan is it's our simple loan process of how to buy a house in California, it often includes zero down payment FHA loans adding a few extra requirements in down payment assistance programs in 2018. This video is FHA loans explained, what is an FHA loan, how does FHA loans work the FHA loan process, what is an FHA mortgage. The FHA loan process and qualifying for an FHA mortgage and FHA loans is a simpler process from most other loans with easier qualifications.  An FHA loan explained correctly can make the difference between a successful close and an aggravating one. FHA Mortgages are insured by the Federal Housing Administration. An FHA mortgage is the easiest whole loan process to go through and FHA is the easiest loan to qualify for is an FHA mortgage, which is why FHA loans for first time home buyers has become the most common home mortgage. FHA loans real estate FHA home loans  FHA insured loan It will help first time home buyers with FHA loans multifamily properties in Fontana, Rancho Cucamonga, Ontario, Rialto, and the inland empire.  Get approved for an FHA mortgage! It's an easy loan to qualify for! http://www.FireYourLandlord.info for FHA loan application online.  Apply online. FHA loan guidelines for FHA mortgage loans are the same in California and nationally. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ #fireyourlandlord #fhaloan #fhamortgage Like | Share | Comment and Subscribe Apply online now at http://www.FireYourLandlord.info It only takes 5-10 mins to get your process started.  FHA loans real estate - now is the time to learn the whole loan process and Fire Your Landlord! For an FHA mortgage, or if you have an FHA loan question, just call Chris!  He'll help you Fire Your Landlord with the easiest home loan to qualify for!  FHA! Simple Mortgage Steps to buy a home in Rancho Cucamonga, Inland Empire, San Bernardino, Riverside, LA County and Orange County? Know that you’re getting the best deal and not making the rookie mistakes when it comes to buying a home. Call the pro. Chris Trapani "The Mortgage Pro" NMLS# 240870 Cell: 310-350-2546 Commerce Home Mortgage 8311 Haven Ave, Suite 210 Rancho Cucamonga, CA 91730

[cesarhcastrojr]

Posted by: Richie Bernardo

Buying a home for the first time is an exciting and important milestone for many Americans. As such, first-time home buyers must carefully consider a number of factors — what they want and need relative to what they can afford, for instance — before diving to the deep end of real estate.

Often, potential buyers begin searching for their dream homes and drafting their wish lists without a realistic idea of market prices, interest rates or even their eligibility to obtain a mortgage.

To simplify the process, WalletHub’s analysts compared 300 cities of varying sizes across 23 key indicators of market attractiveness, affordability and quality of life. Our data set ranges from cost of living to real-estate taxes to property-crime rate. Read on for our findings, valuable insight from a panel of experts and a full description of our methodology.

Main Findings

Rankings by City Size

Ask the Experts

Methodology

Main Findings

Embed on your website<iframe src="//d2e70e9yced57e.cloudfront.net/wallethub/embed/5564/geochart-homebuyer.html" width="556" height="347" frameBorder="0" scrolling="no"></iframe> <div style="width:556px;font-size:12px;color:#888;">Source: <a href="http://ift.tt/2van3x5;>WalletHub</a></div>  

Best Places for First-Time Home Buyers

  Rankings by City Size

Rank (1= Best)

Large Cities (Score)

Rank (1= Best)

Midsize Cities (Score)

Rank (1= Best)

Small Cities (Score)

1 Raleigh, NC (64.19) 1 McKinney, TX (68.32) 1 Frisco, TX (68.20) 2 Lexington, KY (63.99) 2 Cary, NC (67.98) 2 Allen, TX (68.15) 3 Colorado Springs, CO (63.54) 3 Lincoln, NE (66.61) 3 Norman, OK (67.64) 4 Tampa, FL (63.24) 4 Boise, ID (66.26) 4 Richardson, TX (66.32) 5 Fort Worth, TX (63.15) 5 Gilbert, AZ (65.37) 5 Thornton, CO (66.04) 6 Omaha, NE (62.93) 6 Grand Rapids, MI (65.17) 6 Murfreesboro, TN (65.97) 7 El Paso, TX (62.77) 7 Overland Park, KS (64.80) 7 Denton, TX (65.83) 8 Nashville, TN (62.30) 8 Fort Wayne, IN (64.56) 8 Greeley, CO (65.63) 9 Oklahoma City, OK (61.98) 9 Peoria, AZ (64.47) 9 Charleston, SC (65.33) 10 Denver, CO (61.66) 10 Grand Prairie, TX (64.38) 10 Arvada, CO (64.63) 11 Louisville, KY (61.55) 11 Chandler, AZ (64.24) 11 Carrollton, TX (64.59) 12 Pittsburgh, PA (61.30) 12 Fort Collins, CO (63.96) 12 Spokane Valley, WA (64.01) 13 Minneapolis, MN (60.69) 13 Plano, TX (63.36) 13 Cedar Rapids, IA (63.78) 14 Atlanta, GA (60.64) 14 Henderson, NV (63.19) 14 Green Bay, WI (63.36) 15 Charlotte, NC (60.40) 15 Madison, WI (62.77) 15 Centennial, CO (62.77) 16 Aurora, CO (60.23) 16 Salt Lake City, UT (61.87) 16 Surprise, AZ (62.72) 17 Mesa, AZ (60.08) 17 Garland, TX (61.79) 17 Roanoke, VA (62.32) 18 Columbus, OH (60.03) 18 Amarillo, TX (61.53) 18 Davenport, IA (62.27) 19 Austin, TX (59.50) 19 Richmond, VA (61.41) 19 Yakima, WA (62.04) 20 Phoenix, AZ (59.06) 20 Scottsdale, AZ (61.34) 20 Westminster, CO (61.78) 21 Arlington, TX (59.02) 21 Orlando, FL (60.61) 21 Broken Arrow, OK (61.71) 22 Las Vegas, NV (58.63) 22 Durham, NC (60.59) 22 Kenosha, WI (61.59) 23 Jacksonville, FL (58.11) 23 Port St. Lucie, FL (60.50) 23 Livonia, MI (61.11) 24 Tulsa, OK (58.07) 24 Augusta, GA (60.36) 24 Roseville, CA (61.08) 25 Virginia Beach, VA (58.05) 25 St. Paul, MN (60.19) T-25 Pueblo, CO (61.04) 26 Dallas, TX (57.58) 26 St. Petersburg, FL (60.19) T-25 Sterling Heights, MI (61.04) 27 San Antonio, TX (56.59) 27 Huntsville, AL (59.77) 27 Joliet, IL (60.98) 28 Tucson, AZ (56.43) 28 Columbus, GA (59.69) 28 Longmont, CO (60.78) 29 Sacramento, CA (55.90) 29 Chesapeake, VA (59.58) 29 Roswell, GA (60.70) 30 Bakersfield, CA (55.71) 30 Cape Coral, FL (59.54) 30 Hampton, VA (60.60) 31 Kansas City, MO (55.68) 31 Glendale, AZ (59.32) 31 Wilmington, NC (60.58) 32 Milwaukee, WI (54.95) 32 Tempe, AZ (59.20) 32 Boca Raton, FL (60.50) 33 Corpus Christi, TX (54.58) 33 Winston-Salem, NC (59.19) 33 Mesquite, TX (60.24) 34 Philadelphia, PA (54.35) 34 Des Moines, IA (59.10) 34 Peoria, IL (60.10) 35 St. Louis, MO (54.32) 35 Laredo, TX (59.07) 35 Warren, MI (60.06) 36 Indianapolis, IN (54.25) 36 Irving, TX (58.93) 36 Manchester, NH (59.82) 37 Seattle, WA (53.91) 37 Newport News, VA (58.55) 37 Naperville, IL (59.77) 38 Cleveland, OH (53.63) 38 Vancouver, WA (58.42) 38 Dearborn, MI (59.47) 39 Memphis, TN (53.52) 39 Knoxville, TN (58.28) 39 Palm Bay, FL (59.45) 40 Houston, TX (53.36) 40 Spokane, WA (58.17) 40 Fort Smith, AR (59.21) 41 Wichita, KS (53.03) 41 Akron, OH (58.08) 41 Springfield, IL (58.96) 42 Riverside, CA (52.50) 42 Cincinnati, OH (57.91) 42 Erie, PA (58.95) 43 Portland, OR (52.35) 43 Norfolk, VA (57.73) 43 Portsmouth, VA (58.84) 44 Fresno, CA (52.22) 44 Elk Grove, CA (57.32) 44 Bellevue, WA (58.82) 45 Chicago, IL (51.94) 45 Pembroke Pines, FL (57.27) 45 Lakewood, CO (58.66) 46 San Diego, CA (51.14) 46 North Las Vegas, NV (57.08) 46 Clearwater, FL (58.65) 47 Detroit, MI (50.51) 47 Greensboro, NC (56.44) 47 North Charleston, SC (58.64) 48 Albuquerque, NM (50.42) 48 Reno, NV (56.32) 48 Savannah, GA (58.26) 49 Baltimore, MD (49.98) 49 Buffalo, NY (56.31) 49 Clovis, CA (58.00) 50 New Orleans, LA (47.71) 50 Aurora, IL (56.12) 50 Vacaville, CA (57.93) 51 Anaheim, CA (47.16) 51 Little Rock, AR (55.09) 51 Renton, WA (57.76) 52 San Jose, CA (46.87) 52 Springfield, MA (54.95) 52 Elgin, IL (57.53) 53 Honolulu, HI (46.34) 53 Tacoma, WA (54.90) 53 Sunrise, FL (57.48) 54 Santa Ana, CA (45.57) 54 Rancho Cucamonga, CA (54.51) 54 Visalia, CA (57.35) 55 Boston, MA (44.81) 55 Toledo, OH (54.38) 55 Tuscaloosa, AL (57.29) 56 Washington, DC (43.55) 56 Montgomery, AL (54.10) 56 High Point, NC (57.25) 57 Long Beach, CA (43.05) 57 Lancaster, CA (53.97) 57 Yuma, AZ (57.03) 58 Miami, FL (42.47) 58 Salem, OR (53.77) 58 Alexandria, VA (57.00) 59 Los Angeles, CA (42.15) 59 Mobile, AL (53.61) 59 Hillsboro, OR (56.77) 60 New York, NY (40.27) 60 Moreno Valley, CA (53.37) 60 Victorville, CA (56.73) 61 San Francisco, CA (39.01) 61 Fayetteville, NC (53.37) 61 Sandy Springs, GA (56.72) 62 Oakland, CA (37.48) 62 Fontana, CA (53.05) 62 Lakeland, FL (56.70) 63 Jersey City, NJ (52.97) 63 Athens-Clarke, GA (56.62) 64 Irvine, CA (52.89) 64 Murrieta, CA (56.52) 65 Worcester, MA (52.34) 65 Dayton, OH (56.42) 66 Ontario, CA (52.22) 66 Allentown, PA (56.22) 67 Jackson, MS (52.15) 67 Davie, FL (55.79) 68 Eugene, OR (52.00) 68 Waukegan, IL (55.61) 69 Rockford, IL (51.80) 69 Fairfield, CA (55.47) 70 Springfield, MO (51.78) 70 Temecula, CA (55.44) 71 Birmingham, AL (51.48) 71 Plantation, FL (55.31) 72 Palmdale, CA (51.46) 72 Kent, WA (55.28) 73 Stockton, CA (51.43) 73 Everett, WA (54.89) 74 Modesto, CA (51.25) 74 Miramar, FL (54.61) 75 Providence, RI (50.94) 75 Ann Arbor, MI (54.60) 76 Corona, CA (50.92) 76 Chico, CA (54.41) 77 Rochester, NY (50.32) 77 Gainesville, FL (54.32) 78 Santa Rosa, CA (49.49) 78 Rialto, CA (54.05) 79 Baton Rouge, LA (49.44) 79 Lowell, MA (53.91) 80 Tallahassee, FL (49.43) 80 Waterbury, CT (53.84) 81 Fort Lauderdale, FL (49.24) 81 Stamford, CT (53.69) 82 Santa Clarita, CA (49.04) 82 Lansing, MI (53.65) 83 Shreveport, LA (48.97) 83 West Palm Beach, FL (53.57) 84 San Bernardino, CA (48.91) 84 New Haven, CT (53.55) 85 Hayward, CA (48.82) 85 Hollywood, FL (53.47) 86 Hialeah, FL (48.75) 86 Federal Way, WA (53.10) 87 Oxnard, CA (48.56) 87 Coral Springs, FL (53.10) 88 Chula Vista, CA (48.53) 88 New Bedford, MA (52.87) 89 Oceanside, CA (47.45) 89 Pompano Beach, FL (52.65) 90 Pomona, CA (46.92) 90 Hartford, CT (52.42) 91 Garden Grove, CA (46.59) 91 Santa Maria, CA (51.95) 92 Salinas, CA (46.46) 92 Albany, NY (51.49) 93 Huntington Beach, CA (46.33) 93 Flint, MI (51.43) 94 Fremont, CA (46.13) 94 Bridgeport, CT (51.29) 95 Yonkers, NY (45.43) 95 Miami Gardens, FL (51.18) 96 Anchorage, AK (45.11) 96 Beaverton, OR (51.14) 97 Glendale, CA (41.21) 97 Antioch, CA (50.95) 98 Newark, NJ (39.30) 98 Vallejo, CA (50.93) 99 Fall River, MA (50.66) 100 Thousand Oaks, CA (50.64) 101 Mission Viejo, CA (50.56) 102 Simi Valley, CA (50.53) 103 Quincy, MA (50.37) 104 Gresham, OR (49.57) 105 Boulder, CO (49.45) 106 Carlsbad, CA (49.39) 107 Escondido, CA (48.88) 108 Concord, CA (48.60) 109 Lynn, MA (48.38) 110 Richmond, CA (47.96) 111 Orange, CA (47.95) 112 Norwalk, CA (47.71) 113 Ventura, CA (47.56) 114 Vista, CA (47.39) 115 Carson, CA (47.09) 116 West Covina, CA (47.01) 117 Fullerton, CA (47.00) 118 Cambridge, MA (46.94) 119 El Cajon, CA (46.82) 120 Elizabeth, NJ (46.71) 121 Compton, CA (46.54) 122 Burbank, CA (46.39) 123 Santa Clara, CA (46.37) 124 Downey, CA (46.20) 125 Brockton, MA (45.42) 126 Pasadena, CA (45.41) 127 Paterson, NJ (45.12) 128 Costa Mesa, CA (45.06) 129 South Gate, CA (44.97) 130 Sunnyvale, CA (44.73) 131 Torrance, CA (43.73) 132 Inglewood, CA (42.61) 133 Westminster, CA (41.47) 134 Daly City, CA (41.29) 135 El Monte, CA (41.06) 136 San Mateo, CA (39.91) 137 Miami Beach, FL (37.95) 138 Santa Monica, CA (37.52) 139 Berkeley, CA (36.29) 140 Santa Barbara, CA (36.22)

  Ask the Experts

Purchasing real estate for the first time can be a daunting experience for many consumers. But it doesn’t have to be. For advice and insight, we asked a panel of experts to share their thoughts on the following key questions:

What should first-time home buyers consider when choosing a neighborhood

How do you know that you are financially ready to buy your first home?

What do you recommend as the minimum down payment for a first-time home buyer?

What effect did Trump’s Executive Order increasing the cost of FHA-backed loans have on first-time home buyers?

How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first-time home buyers?

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Lou Tisler Director of the Housing Counseling Network at The National Community Reinvestment Coalition

Katrin B. Anacker Associate Professor in the Schar School of Policy and Government at George Mason University

Michelle M. Thompson Associate Professor in the Department of Planning & Urban Studies, Louisiana Manufactured Housing Association Professor in CUPA, and Faculty Advisor for Bachelor of Science in Urban Studies and Planning Internships & Honors Program at the University of New Orleans

W. Dennis Keating Professor Emeritus of Urban Studies and Law at Cleveland State University

Deden Rukmana Associate Professor and Coordinator of the Urban Studies and Planning Program & Co-Chair of the Global Planning Educators Interest Group at Savannah State University

Christopher B. Leinberger Charles Bendit Distinguished Scholar and Research Professor & Chair of the Center for Real Estate and Urban Analysis at the George Washington University School of Business

Alessandro Rebucci Assistant Professor of Economics, Finance and Real Estate at Johns Hopkins Carey Business School

Lou Tisler Director of the Housing Counseling Network at The National Community Reinvestment Coalition What should first-time home buyers consider when choosing a neighborhood? Transportation costs -- many first-time homebuyers are looking at utility costs, taxes, insurance, but few take into account transportation costs, either to and from work, or within the neighborhood. Though gas prices are low, these still add up on a weekly, monthly, yearly basis. How do you know that you are financially ready to buy your first home? The best way to avoid the pitfalls of homeownership is to be an educated buyer. Free or low costs, home buyer education is available throughout the United States. Reading a website is a good start, but fully immersing yourself in what it means to be a homeowner, what is negotiable on the mortgage statement, what will break down first and how much will it cost, what to do if you fall behind, all these are answered through housing counseling. You can find an agency near you here. What do you recommend as the minimum down payment for a first-time home buyer? 3.5% down when closing the loan; 3.5% in the bank for emergency purposes. What effect did Trump’s Executive Order increasing the cost of FHA-backed loans have on first-time homebuyers? Since more low to moderate income homeowners are purchasing using FHA, an increase of $250 per $100,000 home purchased is passed onto low to moderate income homebuyers. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers? Many local governments and schools are funded on property taxes; if the federal and state governments continue to trim their budgets on the backs of local municipalities’ budgets, property taxes will continue to be on the ballot, and will continue to increase. The most cost-effective way to make homeownership affordable is to make property taxes affordable; whether for a first-time home buying millennial or a soon to be, fixed income retiree. Katrin B. Anacker Associate Professor in the Schar School of Policy and Government at George Mason University What should first-time home buyers consider when choosing a neighborhood? There are differences among first-time home buyers. A household with two earners and at least one school-aged child will have different preferences, compared to a household with one earner, without any children. How do you know that you are financially ready to buy your first home? A potential borrower may want to consult a HUD-approved housing counselor or a lender, to discuss whether he/she is financially read to buy his/her first home. What do you recommend as the minimum down payment for a first-time home buyer? The threshold for a conventional mortgage is 20 percent, and for a mortgage insured by the FHA is 3.5 percent. Michelle M. Thompson Associate Professor in the Department of Planning & Urban Studies, Louisiana Manufactured Housing Association Professor in CUPA, and Faculty Advisor for Bachelor of Science in Urban Studies and Planning Internships & Honors Program at the University of New Orleans What should first-time home buyers consider when choosing a neighborhood? First-time homebuyers face many challenges when selecting a home which may, or may not be, in their neighborhood of choice. For example, if a first-time homebuyer wants to have a neighborhood that is "family friendly" (with parks, shopping and schools within a reasonable distance), there may be a higher "cost-for-convenience" reflected in the housing prices. For first-time homebuyers seeking affordable housing, or with limited funds for down-payment in a higher end market, housing choices may be limited, thus indirectly pre-selecting neighborhoods to consider. In any scenario, first-time homebuyers should use all publicly-available information to establish a neighborhood profile, and not just rely on secondary listing or promotional advertisements. It is imperative that the first-time homebuyers gather information beyond the immediate block, including information on the sales prices of similar houses, demographics, community assets (e.g., shopping, health centers, parks/playgrounds), crime, public safety response times and flood zone (which affects the cost of flood insurance). This data can be obtained through municipal websites or they could request this "free" information from the appropriate government office in person, via phone or email. Beyond statistics, visiting the community at different times of the day will give a more well-rounded perspective along with the neighborhood profile. Overall, going with your “gut” may not be the best way to select a house or neighborhood, when making one of the most important and expensive investment decisions the first time around. How do you know that you are financially ready to buy your first home? In most cases the level of “financial fitness” of a first-time homebuyer is pre-determined by the lender. There are a number of factors that affect the ability to obtain a first mortgage, such as minimum down payment, tri-merge credit score, work history, salary and debt service. There are many free, low-cost in-person or online courses that anyone can participate in, to learn more about the home-buying process and related financial education. Through these courses a first-time homebuyer will have a better idea of what may need to be improved to become mortgage eligible. Since the criteria for “readiness” varies, a first-time homebuyer may want to interview a number of mortgage lenders and have their financial profile reviewed. Information on what might be considered “an issue” during the lending review process could be raised during these conversations. Alternatively, a lender pre-qualification letter may evaluate readiness by conducting a pre-mortgage screening. Most of these evaluations will require an application fee and may only be viable for a limited period of time. Even if the outcome of the financial evaluation in a fitness class or pre-qualification isn't positive, you now have the information needed to improve your ability to buy a house at a later time. What do you recommend as the minimum down payment for a first-time home buyer? There is an industry standard of providing at least 20% as a down payment for a mortgage. However, the down payment amount, rate of interest and mortgage terms vary by institution. The first-time homebuyer may want to evaluate the impact that a lower (5-10%) up-front investment may have on the interest rate, the closing costs and debt service over time. In order to have flexibility in choosing, more favorable lending terms may improve with the minimum "standard" down payment. Beyond the down payment, first-time homebuyers may want to save at least 3 months of the mortgage, closing costs plus the first year of taxes. It is imperative for first-time homebuyers to not expend all available funds at the start of a home purchase, in case there are interruptions (job change, tax increase, home repairs) that were not anticipated at the time of purchase. What effect did Trump’s Executive Order increasing the cost of FHA-backed loans have on first-time homebuyers? Aaron Crowe from Mortgageloan.com stated that the "Obama administration announced on Jan. 9 a reduction in annual premiums for mortgage insurance for FHA loans from 0.85 percent to 0.60 percent of the loan balance, effective Jan. 27." Essentially, this change would have decreased the monthly debt service for each mortgage loan. For example, industry experts have suggested savings of up to $500 a year on a $200,000 mortgage. However, "less than an hour after being sworn in as president, Donald Trump signed his first executive order, eliminating a drop in FHA mortgage insurance premiums that was to take effect a week later." First-time homebuyers would be most affected due to the debt service ceiling requirements. This change has a potentially adverse impact on lower-income borrowers who want to obtain a higher priced home using FDIC-backed mortgages. For first-time homebuyers ready to purchase a home, Trump's Executive Order may limit options to find lower priced homes to meet desired affordability. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers? No matter what level of government, policymakers should take less time “studying” a known problem -- housing affordability --, and turn this need into a national housing action plan. If the first executive order from the current administration is any indication of the direction the U.S. Housing & Urban Development Department may be heading in, then issues of “responsible,” “fair” and “effective” housing policy may be difficult to implement at the state and local levels. Similar to the Affordable Care Act ("Obama-care"), one size does not fit all, since the housing styles, sizes, construction type, access and distance to community resources vary significantly. In a utopian world, homelessness would not be a problem if vacant, abandoned, yet functional buildings were turned into affordable housing. The city of New Orleans, Louisiana administration (NOLA), post Hurricane Katrina, has moved from recovery to renewal by developing and implementing place-based community plans to expand housing options. Mayor Landrieu's Office of Performance and Accountability’s “BlightSTAT" open government forum monitors an integrated project that turned approximately 70 formerly historic houses, from the Veteran's Affairs/Louisiana State University (VA/LSU) hospital campus, to affordable housing. The adaptive reuse of the historic houses on formerly vacant, blighted or abandoned lots is not a new idea. However, NOLA was able to combine U.S. Housing & Urban Development soft-second mortgages, Louisiana Land Trust option 2/3 vacant lots, eminent domain to claim/move/rehab historic houses that will have a significant financial impact beyond the price of a first-time homebuyer loan. For federal, state and local policies &funded plans to be successful, there must be an honest effort to improve citizen participation. The VA/LSU Historic Affordable Housing project is still in process, but it will soon prove to be not only responsible and effective, but also affordable. W. Dennis Keating Professor Emeritus of Urban Studies and Law at Cleveland State University What should first-time home buyers consider when choosing a neighborhood? When choosing a neighborhood, key factors are:

Location related to work, transportation, shopping, amenities (e.g., parks);

Housing values and conditions (including possible data through sources like Trulia and Zillow);

Nearby schools (if children and future children are a relevant consideration);

Reputation of the neighborhood (if known, including through a neighborhood-based organization, homeowners association, social network);

Safety (if crime data is available);

Property taxes and any other state, regional and local fees affecting homeowners in the jurisdiction.

How do you know that you are financially ready to buy your first home? You are financially ready when you have enough of your own savings for the mortgage down payment, and you have enough regular income for projected monthly housing expenses (mortgage, utilities, and maintenance/repairs), within 30-40% of your net income. What do you recommend as the minimum down payment for a first-time home buyer? The minimum down payment I would recommend is 10-15%. What effect did Trump’s Executive Order increasing the cost of FHA-backed loans have on first-time homebuyers? The Trump FHA Order made affordability more difficult for some users of the FHA program. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers? Some of the policies that state and local governments can implement to increase affordability include:

Housing trust funds (that subsidize low- and moderate-income housing);

Inclusionary housing/zoning (to increase the supply of affordable units);

Property tax abatements: subsidized loans (e.g., the first time low-and moderate-income homebuyer program of the Ohio Housing Finance Agency);

Self-help: support of low-income programs, like that of Habitat for Humanity;

Lease/purchase (e.g., the program of the Cleveland Housing Network for low-income tenants);

Housing savings accounts: promoting these with lenders;

Housing counseling: support for agencies that offer homebuyer educational courses (working with lenders);

Support for co-housing programs;

Support for community land trusts.

Deden Rukmana Associate Professor and Coordinator of the Urban Studies and Planning Program & Co-Chair of the Global Planning Educators Interest Group at Savannah State University What should first-time homebuyers consider when choosing a neighborhood? From a perspective of an urban planner, first-time homebuyers should choose a neighborhood with good access to public transportation, amenities and facilities for family members, particularly young children. Neighborhoods in suburban areas are now less attractive due to the increasing commute time. The 2010 Census Data indicate that more people moved to the inner city from the suburban areas, particularly young couples. Such a trend will continue in the next few decades. How do you know that you are financially ready to buy your first home? You are ready to buy your first home when you're secured with your employment for the next five years, and spend less than 40% of your income to housing expenses. What do you recommend as the minimum down payment for a first-time home buyer? I would recommend 5-8% of the price of the house as the down payment. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers? The government needs to expand the Low-Income Housing Tax Credit (LIHTC) program. The supply of affordable housing needs to be expanded in all parts of the urban areas. The government should discourage the phenomenon of NIMBY (Not In My Backyard) when it comes to the development of affordable housing. Christopher B. Leinberger Charles Bendit Distinguished Scholar and Research Professor & Chair of the Center for Real Estate and Urban Analysis at the George Washington University School of Business What should first-time home buyers consider when choosing a neighborhood? The most important thing is whether the neighborhood is “walkable urban” or “drivable sub-urban.” A walkable urban place means there are many transportation options (bus, rail, biking, auto, etc.), but most everyday things are accessible by walking (about 1500 to 3000 feet is considered walking distance). Drivable sub-urban locations mean you have to drive for almost everything outside the home. The best way to determine if the house is walkable urban is Walk Score, which has a 0-100 ranking system of all houses and most communities in the country. A Walk Score above 60 is considered walkable urban. Walkable urban neighborhoods are generally the most expensive on a price per square foot basis, sometimes two-times, and even three-times more expensive than drivable sub-urban, and will probably see the most price appreciation over the next decade or more. Drivable sub-urban houses tend to be over-built, resulting in lower prices per square foot than walkable urban houses due to excess supply, though that means you can get substantial bargains. You will have to factor in owning more cars into your household budget though, and the increased driving for commutes and other household errands. How do you know that you are financially ready to buy your first home? The obvious financial considerations are having the required down payment and the monthly all-in mortgage and insurance costs. One consideration few households make is the cost of transportation, the second household budget category, which is a direct result of where the house is located. Generally speaking, a walkable urban home will require fewer cars in the household. In general, drivable sub-urban households spend 25% of the income on transportation, almost all of that amount for car loan repayment, insurance, gas, maintenance and parking. By dropping one car out of the typical household saves, according to the AAA, $9,400 per year. This translates into increased mortgage capacity of $150,000. Cars always depreciate, while houses tend to appreciate. Having more, and generally cheaper transportation options (walking just involves a good pair of shoes), walkable urban households on average spend 9% of their household budget on transportation, a substantial savings that could be applied to the increased housing costs for walkable urban communities. What do you recommend as the minimum down payment for a first-time home buyer? The lowest possible, but if you have more, invest whatever you can, without draining your “rainy day” fund. The lowest you need to get into the house, since getting on the ownership ladder is the first step in building household net worth and having the security and pleasure of homeownership. The maximum you can will get you on the way to paying off your mortgage someday. This is counter to conventional wisdom, and exceedingly old-fashioned. However, my household investment strategy is to get out of all personal debt (student, mortgage, car, credit card -- which is the stupidest debt, etc.) as soon as possible. This will give you the most valuable asset -- peace of mind. Plus, it means you only have to earn enough for variable cost household items (food, insurance, transportation, vacation, savings, etc.). Not having any debt means you can say “no” to being a wage slave at some point, allowing you to only take employment you want to take. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers?

Adjust the mortgage tax deduction (MTD) to only under $500,000 mortgages (may be higher for higher cost metro areas), aiming at supporting the first time mortgage market, rather than well-to-do households who get the vast majority of the mortgage tax deduction. The MTD costs the federal government $100 billion per year in lost taxes, mainly to subsidize the upper-middle and upper income households, who do not need it.

Invest more infrastructure dollars in existing and new transit, biking and walking infrastructure, which will allow for more walkable urban housing to be built. Currently, only 20% of federal infrastructure goes to walkable urban infrastructure, 80% for highways. There have been hundreds of local bond measures for transit over the past decade, and over 70% have passed raising local taxes, primarily sales taxes, to build more transit. In 2016, over $200 billion of new taxes were raised locally for transit in just that year; in comparison, the federal government spends $60 billion on all transportation per year. So the encouragement of more local spending on transit, biking and walking infrastructure will help make more walkable urban housing happen, and lower household transportation costs.

Fight NIMBY (Not In My Back Yard) opposition to higher density housing, particularly in walkable urban places. NIMBYs cause housing prices to spike unnecessarily by putting supply constraints on the market. Plus, it is estimated that 1-2% of additional annual GDP growth would occur if NIMBYs would be overridden and the market can give us what we want. Also, walkable urban housing is by far the most environmentally sustainable; moving a household from a drivable sub-urban location to a walkable urban place drops green house gas emissions by 50-80%, the number one way we can address climate change.

Alessandro Rebucci Assistant Professor of Economics, Finance and Real Estate at Johns Hopkins Carey Business School What should first-time home buyers consider when choosing a neighborhood? The old adage says “location,” “location,” “location.” What that means nowadays is proximity to urban areas where health, education, and other services are easily accessible, with short commutes, and plenty of labor demand. Properties (and especially apartments) with these characteristics are likely to be more liquid investments (easily resalable), and appreciate or preserve more values over the next several years. The millions of millennials who are shaping the market have developed a taste for these types of housing solutions, and will provide strong support to these markets for years to come. How do you know that you are financially ready to buy your first home? Job security is important to be able to service a mortgage smoothly. That means the confidence that rain or shine, a well-paid job can be easily found. If you are struggling to find employment, homeownership is not yet for you, and might be the rope around your neck if somehow acquired through lax underwriting or easy loans at the top of the credit cycle. In general, comparing cost of renting with cost of owning is a good disciplining exercise. If owning is cheaper than renting and the differential can be locked in for a few years, don’t miss out on the opportunity to start building some equity and wealth. What do you recommend as the minimum down payment for a first-time home buyer? It depends. I bought my first apartment in D.C. 20 years ago, with $7,000. It was an FHA-approved property and I was supposed to put 5% percent down, but they made a mistake and I ended up putting only 3% down, and got some cash back at closing. I used the capital gain from that first apartment to buy a small house when my children were born. Were it not for the FHA loan with 5% down, I would not have become a homeowner until much later. But I entered the market at the very bottom of the cycle and I knew it. To be safe, 20% is a good margin. We are not going to see prices dropping by more than that in a few years, like during the last crisis, anytime soon again. What effect did Trump’s Executive Order increasing the cost of FHA-backed loans have on first-time homebuyers? As my story above illustrates, it did not help. The GSEs face a number of problems, and the U.S. system of housing finance is in need of reform, including cutting back on a number of generous subsidies. But I am not sure that can be achieved or even started with a piecemeal approach, targeting this or that specific spot in the system. How can federal, state and local policymakers responsibly and effectively increase home affordability, particularly for first time homebuyers? If you are in the formal job market, homeownership is accessible and affordable in the U.S. What in my opinion was lost over the past couple of decades is equal opportunity of employability across segment of the income, and wealth distribution. Or, to put it differently, we have an issue of access to education, not access to the housing market. Good education leads to good access to the labor market, and that brings with it access to the housing and health insurance market. It is education, from child care to higher education, where the U.S. is in need of a serious rethinking of its public policies.

Methodology

To determine the most favorable housing markets for first-time home buyers, WalletHub’s analysts compared a sample of 300 U.S. cities (varying in size) across three key dimensions: 1) Affordability, 2) Real-Estate Market and 3) Quality of Life.

We evaluated those dimensions using 23 relevant metrics, which are listed below with their corresponding weights. Each metric was graded on a 100-point scale, with a score of 100 representing the most favorable conditions for first-time home buyers. Data for metrics marked with an asterisk (*) were available at the state level only.

Finally, we determined each city’s weighted average across all metrics to calculate its total score then used the resulting scores to rank-order our sample. Our sample considers only the city proper in each case and excludes cities in the surrounding metro area. Each city was categorized according to the following population-size guidelines:

Large cities: More than 300,000 people

Midsize cities: 150,000 to 300,000 people

Small cities: Fewer than 150,000 people

Affordability – Total Points: 33.33

Housing Affordability: Triple Weight (~14.29 Points)Note: This metric was calculated as follows: Median House Price / Median Annual Household Income.

Average Cost of Homeowner’s Insurance: Full* Weight (~4.76 Points)

Cost of Living: Full Weight (~4.76 Points)

Cost per Square Foot: Full Weight (~4.76 Points)Note: This metric measures specifically the median list price per average home square footage.

Real-Estate Tax Rate: Full Weight (~4.76 Points)

Real-Estate Market – Total Points: 33.33

Rent-to-Price-Ratio: Double Weight (~6.06 Points)

Housing-Market Health Index: Full Weight (~3.03 Points)

Share of Homes Sold in One Year: Full Weight (~3.03 Points)

Median Home-Price Appreciation: Double Weight (~6.06 Points)

Foreclosure Rate: Full Weight (~3.03 Points)

Buy vs. Rent Breakeven Horizon: Full Weight (~3.03 Points)Note: The “breakeven horizon” is defined by Zillow as the point, in years, at which buying a home becomes less expensive than renting the same home.

Share of Listings with Price Cuts: Full Weight (~3.03 Points)

Share of Housing Units Built between 2010 and 2015: Full Weight (~3.03 Points)

Building-Permit Activity: Full Weight (~3.03 Points)Note: This metric measures the number of unit permits pulled per 1,000 residents.

Quality of Life – Total Points: 33.33

Recreation-Friendliness: Full Weight (~3.33 Points)Note: This metric is based on WalletHub’s “Best & Worst Cities for Recreation” ranking.

Recession Recovery: Full Weight (~3.33 Points)Note: This metric is based on WalletHub’s “Most & Least Recession-Recovered Cities” ranking.

Weather: Full Weight (~3.33 Points)Note: This metric is based on WalletHub’s “Cities with the Best & Worst Weather” ranking.

Quality of School System: Double Weight (~6.67 Points)Note: This metric is based on WalletHub’s “States with the Best & Worst School Systems” ranking.

Driver-Friendliness: Full Weight (~3.33 Points)Note: This metric is based on WalletHub’s “Best & Worst Cities to Drive in” ranking.

Job Market: Full Weight (~3.33 Points)Note: This metric is based on WalletHub’s “Best & Worst Cities for Jobs” ranking.

Total Home-Energy Cost: Full Weight (~3.33 Points)

Violent-Crime Rate: Full Weight (~3.33 Points)

Property-Crime Rate: Full Weight (~3.33 Points)

 Sources: Data used to create this ranking were collected from the U.S. Census Bureau, Council for Community and Economic Research, Zillow, Federal Bureau of Investigation, Insurance Information Institute, AreaVibes, Renwood RealtyTrac and WalletHub research.

[vahomeloanprogram-blog]

Best Mortgage Broker Rancho Cucamonga CA: Local Real Estate Lending Office  909-920-3500

https://youtu.be/PB5DM5hmS6k

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CALL NOW!

909-920-3500

------------------- https://youtu.be/PB5DM5hmS6k

How do you find a great mortgage broker? I get asked that question quite often. The problem is that finding a great mortgage broker can feel overwhelming And the good news is that it doesn’t have to be difficult if you know what questions to ask

Arlene and Paul a hard working young couple came to us because they were declined by other multiple lenders. We helped them raise their credit score and they were approved for the home of their dreams in 30 days.

I’d like to give a few tips to choosing a mortgage lender to suit your needs.

TIP # 1  What are their credentials?  Look to see they are properly licensed and possess the highest     level of licensing such as that of a mortgage broker license, a real estate broker license along with having a BA in Business. .  

TIP #2   What is their expertise? Are they up to date on the latest advances in mortgage technology and guidelines to ensure you are placed in the best product with the lowest rate for your particular needs.  

TIP #3  Are the personable? In order have the best experience, you need to have a strong connection with a high level of trust with your mortgage lender. This will give you peace of mind in your decision.

Our expertise is helping people buy homes because we are often referred to as a realtors lender specializing in the many aspects of a home purchase and delivering on time excellent results.

Our focus is educating the buyer to the point that they are confident in all of their decisions during the loan process.  For those that want to learn more, they can simply go to www. http://www.thesocalloanpro.com.   Or they can call us for a free consultation along with a free credit report at 909-920-3500

We are happy to help, because happy clients are the key to our success and we achieve our goals by helping our clients achieve their goals. We always have our clients best interest at heart

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CLICK HERE for more information  and your free credit report!

http://www.thesocalloanpro.com/

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Wikipedia

Rancho Cucamonga, California - Wikipedia

https://en.wikipedia.org/wiki/Rancho_Cucamonga,_California

Rancho Cucamonga is a suburban city situated at the foothills of the San Gabriel Mountains in San Bernardino County, California. It is located 37 miles (60 km) east of Downtown Los Angeles. The city had a population of 165,269in 2010 and an estimated population of 174,305 in 2014. The city experiences an average of 287 sunny days per year, compared to a national average of 205 days. Its climate is classified as warm Mediterranean, or Csa, under the Kooppen climate classification system.  The city's seal, which centers on a cluster of grapes, alludes to the city's agricultural history and intimate connections to wine-making.

The city's favorable location and host of public amenities have earned it numerous distinctions. Notably, Money Magazine ranked Rancho Cucamonga 42nd on its "Best Places to Live" list in 2006. In addition, Insider Magazine established one Rancho Cucamonga neighborhood as the 13th richest neighborhood in Southern California.

We are proud to be part of the military first-time home buyer program (VA home loan program) so military personal can easily move into their new home. 

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Call us Today!

909- 920-3500

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VA Home Loan - Wikipedia

https://en.wikipedia.org/wiki/VA_loan

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their spouses. The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment. Eligible areas are designated by the VA as housing credit shortage areas and are generally rural areas and small cities and towns not near metropolitan or commuting areas of large cities.

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CLICK HERE for more information and your free credit report

http://www.thesocalloanpro.com

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You can find us on YouTube.com and gain valuable information

https://www.youtube.com/user/InlandEmpireMortgage

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Visit us on Facebook.com  and say hi!

https://www.facebook.com/tims.teresa/

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Stop by Twitter.com and give us a Tweet

https://twitter.com/teresatims

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We are a LinkedIn.com too!

https://www.linkedin.com/in/teresatims/

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 For additional information:

 909- 920-3500

TDR Mortgage

180 D St

Upland CA 91786

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Contact Info: Diamond Home Buyers Inc. 8333 Foothill Blvd.PMB 415 Rancho Cucamonga,CA 91730 Call: 909-200-6606

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Contact Info: Diamond Home Buyers Inc. 8333 Foothill Blvd.PMB 415 Rancho Cucamonga,CA 91730 Call: 909-200-6606

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The method is quite straightforward! We are given the option of picking the person's required closing date. It's not a problem for Big Why Properties LLC. Every step of the way, we're being watched. From the quick sale to paying for the movers, we believe selling a home is the best option available! Start below by giving us a bit of information about your property or call (866)-560-5858.