#sell my house fast california

[sellmyhousefastca]

Sell My House Fast CA

Fast Cash: Navigating the California Real Estate Market

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California, the land of dreams and innovation, beckons homeowners to navigate its dynamic real estate landscape. In this article, we'll unravel the complexities of selling your house swiftly in California. Whether it's the call of a new job, financial constraints, or a fresh beginning, the need to sell quickly is a reality. Explore the allure of cash offers, the "We Buy Houses" trend, and your path to a seamless, cash sale in the Golden State.

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The Art of Valuation: How to Get the Best Cash Offer for Your House

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Factors Influencing Cash Offers

Unlock the key factors that sway cash offers for your California property. From location and condition to market dynamics, we'll delve into the elements that dictate your home's value in the eyes of cash buyers.

Strategies to Maximize Your Home's Value

Enhance your property's appeal to cash buyers with strategic tactics. Discover cost-effective renovations, staging wisdom, and presentation finesse that will position your home to command the highest possible cash offer.

Cash Home Buyers California: Your Ticket to a Hassle-Free Sale

Finding Reliable Cash Home Buyers

Not all cash home buyers are created equal. We'll guide you in identifying reputable and trustworthy cash buyers in California, ensuring a secure and seamless transaction.

What to Expect During the Transaction

Prepare for your journey by understanding the typical timeline, documentation requirements, and the intricacies of dealing with cash home buyers in California. Knowledge is your strongest ally.

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The Need for Speed: Sell My House Fast California

Exploring the Urgency: Reasons to Sell Fast

Unearth the motivations that propel homeowners in California to seek rapid sales. From job relocations to financial constraints, we'll dissect the drivers behind the urgency to sell quickly.

The Perks of a Fast Sale

Swift sales bring a plethora of advantages, from bypassing protracted listing processes to minimizing costly repairs. Explore how these benefits can liberate your resources and expedite your path toward new horizons.

Cash Offers: A Game Changer in California's Housing Market

The Allure of Cash Buyers

Cash buyers wield magnetic appeal in California's housing market. Delve into the reasons behind their attraction and the transformative benefits they introduce for both sellers and buyers.

Benefits of Opting for a Cash Sale

Embark on a journey through the manifold benefits of selecting a cash sale in California. From expedited transactions to streamlined paperwork, discover how cash sales empower homeowners to pursue their dreams with confidence.

We Buy Houses California: Understanding the Phenomenon

https://priorityhomebuyers.com/sell-my-house-fast-california/

Our exploration begins with a look at "We Buy Houses" companies and their integral role in California's real estate landscape. Learn about their mission, what sets them apart from traditional agents, and the tailored solutions they provide for swift home sales.

How the Process Works

Navigate the step-by-step process of selling your California property to a "We Buy Houses" company. By demystifying this popular avenue, you'll be well-prepared to engage in a seamless and efficient transaction.

Summing It All Up: Your Path to a Fast, Cash Sale California

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In conclusion, you now possess a comprehensive understanding of the motivations, options, and strategies for selling your California home swiftly and for cash. Whether you're chasing new opportunities, confronting unexpected challenges, or simply seeking change, the path to a hassle-free, cash sale in the Golden State lies before you. Take that first step with confidence and embrace the possibilities awaiting you in California's dynamic real estate market.

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Top Ranked Home Buyers

Phone: (951) 772-9451

Address: 16331 Lakeshore Drive, Suite G-14, Riverside, CA 92530

Website: https://toprankedhomebuyers.com/

We Buy Houses Fast For Cash in Riverside, California and throughout Southern California.

[joehomebuyer]

Sell Your House Fast in Southern California: FAQs Answered

Are you looking to sell your house quickly in Southern California? We understand that the process can be overwhelming, but with the right knowledge and strategies, you can expedite the sale and get the best possible price. Here are four frequently asked questions (FAQs) to guide you through the process:

How Can I Sell My House Quickly in Southern California? Selling your house fast in Southern California requires strategic planning and execution. Here are some steps to consider:

Price it Right: Set a competitive price based on market trends and comparable properties in your area. Overpricing can deter potential buyers, while under pricing might lead to a loss.

Enhance Curb Appeal: First impressions matter. Invest in landscaping, exterior painting, and minor repairs to make your house more attractive to buyers.

Stage Your Home: Depersonalize and declutter your space to allow potential buyers to envision themselves living there. Consider hiring a professional stager to showcase your home's best features.

Market Effectively: Utilize online platforms, social media, and professional real estate photography to reach a wide audience of potential buyers. Consider hosting open houses and scheduling private viewings to generate interest.

What Are the Benefits of Selling My House Fast? Selling your house quickly offers several advantages, including:

Avoiding Foreclosure: If you're facing financial difficulties, selling your house fast can help you avoid foreclosure and protect your credit score.

Saving Time and Money: By selling quickly, you can minimize holding costs such as mortgage payments, property taxes, and maintenance expenses.

Reducing Stress: The longer your house sits on the market, the more stressful the selling process becomes. Selling quickly allows you to move on to the next chapter of your life with peace of mind.

Attracting Serious Buyers: Buyers looking for a fast transaction are often more motivated and willing to make competitive offers, reducing the likelihood of negotiations falling through.

What Factors Can Affect the Speed of My House Sale in Southern California? Several factors can influence how quickly your house sells in Southern California, including:

Location: Desirable neighborhoods with good schools, amenities, and transportation links tend to attract more buyers and sell faster.

Market Conditions: The state of the real estate market, including supply and demand dynamics, interest rates, and economic factors, can impact the speed of your sale.

Condition of Your Property: Homes in excellent condition tend to sell faster than those in need of repairs or renovations. Consider investing in minor upgrades to make your house more appealing to potential buyers.

Marketing Strategy: The effectiveness of your marketing efforts, including online listings, signage, and promotional materials, can significantly influence the speed of your sale.

Are There Any Risks Associated with Selling My House Fast? While selling your house quickly can offer numerous benefits, it's essential to be aware of potential risks, including:

Selling Below Market Value: In a rush to sell, you might accept an offer that is below the true market value of your home. It's crucial to do your research and consult with real estate professionals to ensure you're getting a fair price.

Limited Negotiating Power: When you're eager to sell quickly, you may have less leverage during negotiations, leading to lower offers or less favorable terms.

Choosing the Wrong Buyer: Not all buyers who are interested in a fast sale are reputable. Be cautious of investors or cash buyers who may try to take advantage of your urgency. Always vet potential buyers and consider working with a trusted real estate agent.

Legal and Financial Implications: Selling a house involves complex legal and financial processes. Rushing through these steps without proper guidance can lead to costly mistakes or legal issues down the line.

In conclusion, how to sell my house fast Southern California requires careful planning, effective marketing, and realistic expectations. By addressing these FAQs and working with experienced professionals, you can streamline the selling process and achieve a successful outcome. Remember to prioritize your goals, stay informed, and seek guidance when needed to make the most of this significant transaction.

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Selling your House Fast in California

Fair Housing: Essential Information to Safeguard Your Rights When Selling Your House Quickly in California

When it comes to Selling your House Fast in California, it's crucial to be aware of fair housing laws and regulations. Fair housing ensures that everyone has equal access to housing opportunities, regardless of their race, color, religion, sex, national origin, familial status, or disability. This blog post will provide you with the necessary information to protect your rights and navigate the process of selling your house quickly while adhering to fair housing guidelines.

Understanding Fair Housing Laws:

Fair housing laws in California are primarily governed by the Fair Housing Act, which is a federal law that prohibits discrimination in housing. Additionally, California has its own fair housing laws that provide further protection to its residents. These laws ensure that sellers cannot discriminate against potential buyers based on protected characteristics.

Protected Characteristics:

Protected characteristics under fair housing laws include race, color, religion, sex, national origin, familial status, and disability. It is important to note that these characteristics cannot be used as a basis for denying someone the opportunity to buy your house or treating them differently during the selling process.

Advertise for Selling your House Fast in California:

When advertising your house for sale, it is essential to ensure that your advertisements comply with fair housing laws. Avoid using language or images that may be interpreted as discriminatory or exclusionary. Instead, focus on highlighting the features and benefits of your property to attract potential buyers from all backgrounds.

Working with Real Estate Professionals:

If you choose to work with a real estate agent or broker to sell your house quickly, make sure they are knowledgeable about fair housing laws. They should be able to guide you through the process while ensuring compliance with these laws. It is also important to communicate your expectations regarding fair housing to your real estate professional.

Handling Inquiries and Showings:

When potential buyers inquire about your house or request a showing, treat all inquiries equally and provide the same information to everyone. Avoid asking questions that may be perceived as discriminatory, such as inquiring about a person's race or religion. Instead, focus on answering questions related to the property itself.

Negotiating and Closing the Sale:

During the negotiation and closing process, it is crucial to treat all potential buyers fairly and equally. Avoid engaging in discriminatory practices, such as offering different terms or conditions based on protected characteristics. Remember, fair housing laws protect both buyers and sellers, ensuring a fair and equitable transaction for all parties involved.

Selling your house quickly in California requires a thorough understanding of fair housing laws and regulations. By familiarizing yourself with these laws, you can protect your rights as a seller and ensure a fair and inclusive selling process. Remember to advertise your property in a non-discriminatory manner, work with knowledgeable real estate professionals, and treat all potential buyers equally throughout the process. By doing so, you can Sell your House Fast in California while upholding the principles of fair housing.

[salegrandmas]

Sell My House for Cash Now in San Diego: Rapid Solutions for Selling Grandma's House

Sell Grandma's House Fast is the go-to solution for selling your house for cash quickly in San Diego. With their streamlined process, they offer fair and competitive cash offers, allowing you to bypass the traditional selling hassle. Trust Sell My House For Cash Fast in San Diego for a smooth and expedited sale of your property.

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Have you Googled, “I need to sell my house fast in Southern California. What should I do?” You’ll likely find hundreds of articles like “Fix This Before You Sell!” or “10 Must-Do Repairs Before Selling Your SoCal Home.” While these articles are helpful, they can be overwhelming. And sometimes there’s conflicting advice. One real estate website says to fix the roof before selling it, while another warns you against beginning a significant roof repair before the sale.

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Evidence Builds For Painful Housing Recession

Sentiment regarding the housing market is worse than it has been since the 1980s. Furthermore, things are only looking to worsen as inventory metrics decline and mortgage rates rise back to their former levels from before the financial crisis. Just how bad will the housing market reach?

Falling Consumer Sentiment

The University of Michigan tracks consumers' attitudes toward the housing market. Currently, pessimism has been at an all-time high since the early 1980s. Sound familiar? In the early 1980s, to battle inflation, the U.S. Federal Reserve (Fed) was continuously raising interest rates dramatically--though they were substantially higher then than they are now. However, its effect on the housing market was just as chilling back then. Although rates fell in the later 1980s, making mortgages more affordable, the Federal Reserve plans to raise rates again. There are early signs that inflation could be dropping, which may cause the Fed to lower rates and help support the housing market.

Early Days

Although some people are doubtful about the state of housing, it's essential to remember that data from Zillow shows that prices in every region have increased compared to last year. Yes, a few areas might be experiencing monthly decreases, but that could be because of buying patterns during different seasons. Plus, many regions' prices remain steady. If we compare Zillow data from the last three months, it's clear that California, Utah, and Nevada are the only states where prices have fallen. It doesn't seem like a housing collapse is on the horizon. My, how things have changed. People's attitudes towards the housing market are poles apart from where we stand today. If sentiment is anything to go by, the next few years in housing look bleak. Even Jerome Powell, Fed Chair, recently called the housing market "very overheated."

Leading Indicators

According to reliable sources, such as Realtor.com, there are obvious weak points in the housing market. For example, sales discounts are increasing while the number of listings is getting close to where it was before the pandemic started. Additionally, time on the market is slowly climbing even though it's starting from its lowest point. Although these metrics show that the housing market is weakening, this change hasn't affected house prices yet. It's also hard to say definitively whether this supposed weakness in housing is due to a seasonal trend or an actual change since it's difficult to separate such things when we're no longer in summer ( traditionally the most active selling season).

Housing Affordability

The Atlanta Fed's measure of housing affordability is taking a turn for the worse, which isn't surprising given the sudden uptick in mortgage rates. However, it does suggest that the housing market may be poised for a weakening period. Despite some concerns about the future of the housing market, it's worth noting that prices have remained relatively stable. In most markets, prices are still up compared to last year. A recession might be on the horizon, but it hasn't hit us yet, judging by house prices. If the Fed cut rates sharply, however, we could see an improvement in housing, like in the mid-1980s. Of course, they've made it clear that they don't intend to do so. The Fed Chair is willing to describe the U.S. housing market as "very overheated."

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Selling a House in California

If you are a Californian homeowner pondering selling, the recent headlines about market prices could have you envisioning a sizable profit. But being in the seller’s position means having plenty of questions too. What is the best way to list your home? What disclosure obligations do you have to potential buyers? How much does it cost to sell in California? Keep reading for answers.

Are you ready to sell?

Before you do anything, you first need to figure out where you want your next home to be. With housing prices and mortgage rates at an all-time high, make sure that you have enough money saved up for the move. Also take into account whether or not selling your old place will cover the down payment of a new one. Additionally, think about renting if you're unsure of where exactly you want live longterm.

Preparing to sell

Before you list your house, it's time to think about what needs to be done first. Realtor Steve Davies from RE/MAX Gold in El Dorado Hills, California believes that the pre-listing stage is one of the most crucial steps in selling a home. He recommends making sure the house looks perfect before allowing buyers inside. “You never get a second chance to make a first impression,” Davies says. “When a potential buyer walks up to the property and steps inside, you want them to say ‘wow.’”

Is it worth upgrading your home before you sell?

Although selling your home can be costly, there are some upgrades you can make to increase its value. However, keep in mind that most renovations only recoup a portion of their costs. Therefore, unless it is a small and inexpensive upgrade, it may not be worth the money. Additionally, think about what kind of taste buyers might have- chances are they won't appreciate or want the same things as you do.

What should you repair before selling your home?

A professional pre-listing inspection is the best way to determine which, if any, repairs you should make before making your home available on the market. This will likely cost you approximately $500 (more if your property is especially large), but it’s a proactive method of identifying major issues that a buyer’s home inspection would otherwise uncover. If it uncovers major issues with items such as your roof or plumbing, for example, a buyer might request a credit to cover the repair costs on their own — or even walk away from the deal entirely.

Staging your home

Besides taking care of any problems in your home, you may want to think about paying for staging. Staging is making a scene that would make buyers want to be part of it. This might only involve rearranging your furniture to make the room look more appealing. It could also be a bigger project like putting things into storage and renting new furniture items. A good real estate agent will tell you if staging can improve your home’s value meaningfully.

When is the best time to sell a house in California?

Selling your house quickly is usually the goal, as properties that take a while to sell are often viewed as being less desirable by potential buyers. This could be because they think there might be something wrong with the property if it's been on the market for an extended period of time. However, seasonality no longer plays as big of a role in selling houses near Sacramento according to Davies but he does concede that spring and summer do generate more buyer traffic which can lead to tougher competition. “Everyone is excited for seasonal change to warmer weather, and the market heats up during the spring,” he says. “The gardens are blooming and everything feels fresh and new, but there is more inventory and more competition.” In the fall and winter, he says there is typically less inventory and a smaller pool of buyers.

Find a local California Realtor

Many people hesitate to use a real estate agent because they think it will cost too much money. Yes, as the seller, you are typically responsible for covering the agent's commission, which is usually 5-6% of the total sale price. However, this fee is often worth it because selling a home can be complicated and emotional process that involves lots of negotiation." Although it may seem tedious, the right real estate agent can help sort through paperwork and connect you with other vital resources. Do not be afraid to speak with multiple agents before making your decision on who to go with.

Price your home competitively

Having an expert agent is key when considering the most important factor for selling your home: the listing price. By taking into account comps in the area, you and your agent will be able to work together to come up with a realistic and accurate listing price. “In Northern California’s current changing market, making sure not to overprice the property will allow a seller to have the most viewers,” Davies says. “This creates demand and gives the best opportunity to receive a great offer on both price and terms. You can do everything right, but if you miss on price, you’ll be sitting on the market with all the other overpriced listings.” If you want a bidding war on your home in Southern California, make sure to price it competitively. On the other hand, overpricing your home can lead to disappointment down the road.

Documents and disclosures in California

Seller’s disclosures

In the state of California, every seller is legally required to disclose vital information to buyers regarding the property's condition, any additional taxes that could apply and natural hazards in the area that could affect it. A transfer disclosure statement is required to be completed which will inform the buyer of questions such as: Is the water heater braced and thus prevented from falling over during an earthquake? What kind of local taxes will the new resident face? Be honest about everything included in the statement—if not, you could liable for any damages that occur down the road.

Required documents

In order to sell your house in California, you must provide the following documents:

Transfer disclosure statement: This is the form I mentioned earlier. Please fill it out with as much detail about the property as you can so we have a better understanding.

Natural hazard disclosure: This tells buyers whether the property is located in an area prone to flood hazards, fire hazards and earthquakes.

Megan’s Law disclosure: Megan's Law is a lifesaver that gives home buyers the ability to search a database of registered sex offenders living in their desired area.

Statewide buyer and seller advisory: A contract that details what is expected of both buyers and sellers.

Along with disclosure information, you will need to show that the property is rightfully yours with a copy of the original purchase agreement, a signed deed and an affidavit of title.

Other common documents

If you live in a officials will require additional documents from you. If you are governed by any type of organization, such as a homeowners association, be sure to share their rules and regulations as well.

Need to sell your home fast? Consider these alternatives

If you urgently need to move and don't have time to wait, compare offers, or slow down the process by crawling towards a closing day, here is a guide on how to sell your house quickly in California.

Compare iBuyers: While companies such as Opendoor, Offerpad and RedfinNow will make an offer on your home without inspecting it first, there is a downside to this convenience. iBuying usually offers below-market value for properties so that they can then turn around and sell the House for a profit.

Look for an all-cash offer: According to the National Association of Realtors, 28 percent of all home sales are cash deals. If you're selling your house, then this means that there is a chance that the buyer might offer you a lower price because they don't need to go through a lender.

List as-is: By labeling your listing as-is, you're telling potential buyers that there is no chance for negotiation about repairs-- which can either speed up the selling process or result in lower offers, depending on the condition of your home.

Add quick curb appeal: Curb appeal is essential when selling your home. Byrenting a power washer, you can make sure that your driveway orsiding looks great for potential buyers. You can also wash thewindows and paint the garage to increase curb appeal.

The closing

When closing day arrives, you have something to look forward to: your money. However, you don’t get to pocket all of it. If you have any outstanding mortgage debt, you’ll immediately need to pay it off. Plus, there are additional costs associated with closing the deal, such as:

Costs of selling a home in California

Realtor commissions: When a real estate deal goes through, the agents who were involved in making it happen get compensated. Usually, the buyer's agent gets 3% of the total purchase price while the seller's agent also receives 3%. However, it is on the seller to pay for both of them. So if you sell your home at $800,000, you would end up owing $48,000 in commissions. (It should be noted that either agent could have agreed to a commission discount.)

Title insurance: The cost of title insurance will depend on the purchase price and vary among regions in the state.

Transfer taxes: Make sure to budget enough money to cover the cost of transferring the title or deed to the buyer. In most areas of California, transfer taxes are $1.10 for every $1,000 of the purchase price. However, in some cities like Oakland, Emeryville and Culver City, these rates can be higher.

Escrow fees: The fees for an escrow account, which manages the buyer’s earnest money, vary depending on how much the home costs.

Seller concessions: Though you may feel inclined to agree to certain requests in order to finalize the sale, remember that it is currently a seller's market. With that in mind, carefully consider whether or not you actually need to cover any of the buyer's expenses.

Attorney fees: A real estate attorney will need to be paid at closing as well, so keep that in mind when budgeting. These fees can differ significantly, so get an estimate from each lawyer you're considering before making your final decision.

[sellmyhousefastforcashio]

Bay Area is the only region in California where homes have been selling for less than a year ago.

It was bound to happen eventually – what goes up must come down. In the Bay Area, homes are now being sold for less than last year; this is the only area of California where this is occurring. This happens as continuing interest rates douse the region's flaming pandemic real estate market. The median price of existing single-family houses in the nine-county region was $1.26 million in September, down 2.6% compared to the same month last year, according to data from the California Association of Realtors. That marks the third consecutive month of year-over-year declines.

Why is the Bay Area the only region seeing a drop?

The association's deputy chief economist, Oscar Wei, stated that the possible explanation for why only the Bay Area sees a drop could be because more individuals are relocating out of the region. Another reason could be that home prices spiked higher last year than in any other area in California, leaving more space for a decrease this year compared to other regions. Since interest rates began to increase earlier this year rapidly, monthly prices statewide in California have sharply declined, making it more difficult for many would-be buyers to afford their dream homes. “The bottom line is still about interest rates,” Wei said. “In the upcoming months, I wouldn’t be surprised if we continue to see a decline in price.” The prices in the Bay Area region seesawed a bit from August to September, but Wei attributes that primarily to the stock market's ebb and flows at the time. He believes that as people working in tech saw their investments doing well, some of them decided to cash out and buy homes.

How Much Did The Prices Drop?

Between 2019 and 2020, San Mateo County had the most significant decrease in median prices of any central Bay Area county, with a 5.8% drop to $1.86 million. A 5.7% decline followed this to $1.65 million in San Francisco; Alameda County saw prices fall 4.6% to $1.24 million; Contra Costa County's median price decreased by 1.7%, down to $882,000. In contrast, Santa Clara County experienced a 4.3% price increase, reaching $1.7 million. Although prices are still higher than they were last year, Ramesh Rao, a Silicon Valley real estate agent, said that his local market has cooled down significantly from earlier this year. Since the pandemic started, house hunters have been fighting for homes--many of them bidding way over the asking price because of low-interest rates and the ability to work remotely. “Where I really see a market shift is sellers used to get whatever they wanted in June,” Rao said. “If people still have the same perception of the market, homes are sitting on the market.”

The Comeback of Creative Financing

This spring, as the Federal Reserve started raising borrowing costs to slow runaway inflation, the rate on a 30-year fixed home loan jumped accordingly. This week, it reached 6.94%, up from as low as under 3% during the pandemic. According to Bankrate.com, the average 30-year fixed nonconforming home loan is 7.34%. In the Bay Area, any mortgage that exceeds $970,800 falls into this category. These loans are also known as “jumbo” loans. Consequently, even though home prices fell, the actual cost of homeownership for many potential buyers increased dramatically. According to a Realtor.com mortgage calculator, the monthly payment on a 30-year fixed mortgage for a $1 million home was over $6,500 at current interest rates compared to around $4,500 when interest rates were lowest during the pandemic. With interest rates currently rising and expecting to continue doing so, Rao said buyers are now looking beyond traditional home loans to other types of mortgages such as adjustable rate mortgages, interest rate buy-downs, and seller financing. “All the creative financing in the 80s and 90s, they’re making a comeback,” he said.

[sellmyhousefastforcashhouse]

Home prices rose almost everywhere in the US this summer

A new report released today shows that, even as the housing market cooled over the summer, prices continued to rise in 98% of US markets.

The National Association of Realtors reports that home prices increased in most cities from July to September, though at a slower rate than earlier in the year. This was likely due to rising mortgage rates during that time period. In the prior quarter, nearly all tracked cities saw double-digit increases, but this figure dropped to 46% in recent months.

“Much lower buying capacity has slowed home price growth and the trend will continue until mortgage rates stop rising,” said Lawrence Yun, NAR’s chief economist.

Yun explained that, as a result of both price growth and climbing mortgage rates, the median income required to buy a typical home increased by almost $40,000 more than in pre-pandemic times. During the third quarter of this year – from July to September – the average rate for a 30-year, fixed-rate mortgage was lower than it is now. According to Freddie Mac, rates during that time ranged between 4.99% and 6.70%. Now, however, rates have increased and are expected to continue going up as the Federal Reserve takes steps to control inflation.

Where prices rose the most

According to the report, prices rose throughout the nation during the third quarter but grew by 11.9% in Southern states—the highest increment of any region. Prices also increased 8.2% in Northeastern states, 7.4% out West, and 6.6% in Midwestern states during that time period from the year before respectively.

7 out of the 10 cities that experienced the most drastic year-over-year price increases were located in Florida.

Sarasota, Florida had the biggest year-over-year price increase in the third quarter, at 23.8%. It was followed by the Lakeland and Winter Haven area of Florida (21.2%); Myrtle Beach, South Carolina (21.1%); Panama City, Florida (20.5%); and Daytona Beach, Florida (19.6%). According to the data, some of the most expensive markets to purchase property are found in Western cities, with half of the top 10 costliest cities located in California.

In the third quarter, San Jose, California had the most expensive homes with a median price of $1.688 million- 2.3% higher than last year. The second was San Francisco at $1.3 million, followed by Anaheim, California at 1.$2 million; Honolulu at $1.127 million; and finally San Diego coming in at under a million dollars with $900k. “The more expensive markets on the West Coast will likely experience some price declines following this rapid price appreciation, which is the result of many years of limited home building,” Yun said. “The Midwest, with relatively affordable home prices, will likely continue to see price gains.”

[sellmyhousefastca]

Navigating California's Fast-Paced Real Estate Market

Welcome to California, where dreams take flight and opportunities abound. In this article, we'll embark on a journey through the ever-dynamic California real estate landscape. Whether you're considering a swift sale due to job relocations, financial constraints, or a desire for change, the need to sell your house quickly is a reality many face. Let's explore the advantages of cash offers, the "We Buy Houses" phenomenon, and the path to a hassle-free, cash sale in the Golden State.

We Buy Houses California: Understanding the Phenomenon

Who Are "We Buy Houses" Companies?

Our journey begins with an exploration of "We Buy Houses" companies and their pivotal role in California's real estate market. Delve into their mission, distinguishing features, and the tailored solutions they provide to homeowners seeking rapid sales.

How the Process Works

Gain a comprehensive understanding of the step-by-step process when selling your California property to a "We Buy Houses" company. By demystifying the journey, you'll be better equipped to navigate this increasingly popular avenue of property transactions.

Cash Offers: A Game Changer in California's Housing Market

The Allure of Cash Buyers

Cash buyers hold a magnetic attraction in California's housing market. We'll delve into the reasons behind their allure and the game-changing benefits they bring to the table for both sellers and buyers alike.

Benefits of Opting for a Cash Sale

Explore the myriad benefits of choosing a cash sale in California. From expedited transactions to reduced paperwork, discover how cash sales provide peace of mind and empower homeowners to pursue their plans with confidence.

The Need for Speed: Selling Your House Fast in California

Exploring the Urgency: Reasons to Sell Quickly

Why the rush to sell your house fast in California? Let's examine the diverse motivations, from job-related relocations and financial constraints to seizing life-changing opportunities. Understanding the urgency is the first step.

The Perks of a Swift Sale

Swift sales offer a host of advantages, including bypassing lengthy listing processes and minimizing costly repairs. Discover how these benefits can unburden you and accelerate your journey toward new horizons.

California Cash Home Buyers: Your Ticket to a Hassle-Free Sale

Finding Reliable Cash Home Buyers

Not all cash home buyers are created equal. We'll equip you with the knowledge to discern reputable and trustworthy cash buyers in California, ensuring a smooth and secure transaction.

What to Expect During the Transaction

Prepare for the journey by gaining insight into the typical timeline, documentation requirements, and the intricacies of dealing with cash home buyers in California. Knowledge is your greatest asset.

The Art of Valuation: How to Get the Best Cash Offer for Your House

Factors Influencing Cash Offers

Uncover the key factors that shape the cash offers you receive for your California property. From location and condition to market dynamics, we'll explore the critical elements that influence your home's value.

Strategies to Maximize Your Home's Value

Discover strategic approaches to enhance your home's appeal to cash buyers. Through cost-effective renovations, staging tips, and presentation techniques, you can position your property to command the highest cash offer possible.

Summing It All Up: Your Path to a Fast, Cash Sale in California

As we conclude our exploration of selling your California home quickly and for cash, you're armed with a comprehensive understanding of motivations, options, and strategies. Whether you're chasing new opportunities, facing unforeseen challenges, or simply seeking change, the path to a hassle-free, cash sale in the Golden State is now illuminated. Take the first step with confidence, and embrace the possibilities that await you.

[sellmyhousefastforcashinfo]

Evidence Builds For Painful Housing Recession

Sentiment about the housing market is worse now than it was in the 1980s. That's not good news, and it seems to be getting worse. Inventory levels are falling, mortgage rates are rising, and people seem to think things will continue to get worse before they get better. How bad could things really get?

Falling Consumer Sentiment

According to the University of Michigan, people currently feel more pessimistic about the housing market than they have since the early 1980s. The housing market crash in the early 1980s is somewhat reminiscent of today's market. The U.S. Federal Reserve (Fed) was dramatically raising interest rates to fight inflation, which sounds familiar, right? Even though rates were significantly higher than they are now, the crushing effect on the housing market was still eerily similar. Although rates dropped in the late 1980s, making mortgages more affordable for people, the Federal Reserve plans to raise them again. There are some positive signs inflation might be slowing down though. If this continues and leads to the Fed cutting rates, it could improve housing market conditions.

Early Days

Although there is some skepticism in regard to the housing market, we must remember that Zillow data shows that prices have still increased in all regions compared to last year. Even though a few regions are seeing monthly decreases, this is normal due to seasonal changes and many regions' prices remain steady. In fact, if you look at Zillow's data from the past 3 months leading up to October, only California, Utah and Nevada have experienced any falls in price--and those Drops were not significant. If there is an impending housing collapse on the horizon, it has not begun just yet. Currently, there is a significant attitude difference when it comes to the housing market. If things play out according to how people feel, then the housing market might have some tough years ahead. Even Federal Reserve Chair Jerome Powell called the housing market "very overheated" in a recent speech.

Leading Indicators

Realtor.com provides excellent leading indicators for the housing market. Currently, we are seeing an increase in price discounts, listings ( which is almost back to pre-Covid levels), and time on the market; even though this last statistic is rising from depths it previously reached during the pandemic. While these metrics tend to point toward a weakening housing market, we haven't seen the repercussions play out in regard to house prices just yet. Additionally, trying to decipher which is which - true weakness or seasonal trend - becomes more complicated as we move away from the summer months (which traditionally see greater activity in terms of selling).

Housing Affordability

Housing affordability, as monitored by the Atlanta Fed, is worsening. This shouldn't come as a surprise given the recent surge in mortgage rates. Nevertheless, it's another indication that the housing market may be about to weaken. Although there are some concerns about the housing market, it's important to remember that prices have not increased dramatically. In fact, they've been quite subdued and remain affordable in most markets. While a recession might be on the horizon, we have yet to see evidence of it in housing prices. If the Federal Reserve were to cut rates sharply, though, it could improve the housing market as it did in the mid-1980s - but they've made no indication that they plan to do so. In fact, Fed Chair Jerome Powell has said he believes the U.S. housing market is "very overheated."

[passivenovember]

thinking real hard about Billy and Steve finding each other years after they've settled into themselves.

Billy's gone to therapy and he lives in a little house on the shoreline. Steve makes it to California. Doesn't have the six nuggets, yet. He's working insane hours at a job that isn't very lucrative, but he never had to sell his soul to his old man--

So. Point is. They're happy. Content, almost.

And then they find each other.

--

Steve's burning a pot of water when the phone rings.

It's like a knife through the air. A thorn in his side, pain and annoyance ramping up to an 11 as he yanks the receiver from the wall. "Yeah, now's not a great time," He says, because the goddamn smoke alarm's gonna start wailing any second now, and Steve's neighbor is real trigger-happy when it comes to alerting the fire department. "Look, I'll call you--"

"--Why answer the phone?"

Steve would know Billy's voice anywhere, the rough and tumble drag of someone who used to live fast and hard but doesn't, anymore. "I," Steve says, "I don't--"

"--It's like. Why answer the phone if it's not a good time to talk?"

"I don't like being impolite."

Billy hums, smoke and lightning on the end of the line. "So, you weren't waiting for me to call?"

"No," Steve says. But he was. Has been since high school and all the weird, boring, disheartening years that followed until Billy appeared at the dive bar on Saturday. Like a vision. An angel.

"Damn. And here I was, taking a full 72 hours to figure out what I should say," Billy tells him.

Steve can hear a smile.

Aches to taste it, but-- "That's kinda lame, Hargrove."

"So what?"

"So. You're kinda lame, I guess."

Billy laughs at him, then, high and bright. It shoots confetti into Steve's kitchen, the curling tendrils nearly catching on fire as Steve comes back to himself. He pulls the pan of water and dumps it into the sink, killing the flame on the stove.

"Yeah, I'm a disaster. Maxine tells me all the time," Billy says, "It's just. How weird, y'know?"

"What? You?"

"No, you," Billy tells him, chuckling again. "Fell outta the sky, or something. Into a shitty dive bar."

"So did you--"

"--Fell outta my dreams."

"So did you," Steve says, and his stomach twists. Tumbles. Washing-machine guts still soiled with the bloody red spots of a decade-long crush.

"Huh. You're kinda forward, Harrington."

Steve shrugs, face burning. "Long as I'm not as lame as you are."

"Dude, I didn't say you weren't lame."

"Sure, you didn't."

Billy's next laugh Steve feels in his gut, heat pooling behind the thatch of curly down at his pelvis. "Still such a bitch, pretty boy."

"I'm just being honest. We aren't getting any younger, I'm not really interested in playing it cool, anymore."

Something rustles as Billy shifts his weight, "You were cool, once?"

"Ha-ha."

"I don't wanna play it cool, either," Billy tells him, as serious as a heart attack, "Look, can I be honest? You mind?"

Steve nods and then remembers Billy can't see him. "Go ahead."

"I can't stop thinking about you."

Steve peers through the kitchen window, trying to imagine Billy somewhere on the edge of town with sunlight in his hair. Smoking in bed, naked gold until the duvet pulls him under hips first.

"Harrington, I need to see you again."

"Need is kind of dramatic."

"Maybe I'm feeling dramatic."

"Thought this was honesty hour, Hargrove?"

"It is. Honestly? I wanna kiss you," Billy tells him. "At midnight. In the pouring rain because I was too chicken-shit to do it after our first date."

Steve focuses on not swallowing his tongue. Damn near fails. "Was that a date?"

"No, it was bigger. It was the stars aligning, the start of--"

"--God, you are feeling dramatic."

"When can I see you?"

"I dunno," Steve says, fiddling with the lip of the sink, "When are we expecting rain?"

"Not sure."

Steve can hear his smile. Aches to sink into the softness. "I need a window to commit."

"Tonight. I'll make it rain."

Steve snorts, light as air. "You're crazy."

"I've had ten years to plan for this, Steve."

"Alright, lemme--" Steve pads over to the refrigerator, peering at his Kittens and Firefighters calendar. May is covered in birthdays, vacations, late nights at work, and roll-over plans from April, all hacked into the cardstock in striking red.

Steve groans and flips to June. "--Can you still make it rain in a month?"

"A month," Billy demands, "Fuck. You're hot shit but I didn't think--"

"--I have a full-time job. And friends who want to hang out when I'm not at work, but since I use all my energy at work I cancel on them, and things get moved around and--"

"--You can't make an exception for the guy who wants to eat you out?"

The pages of the calendar flutter, May settling heavy in the room. Steve swallows and his throat clicks. "Uh. My friends--"

"--Aren't gonna eat you out."

"They would. If I asked them to, at least one of them would."

"I'm not really loving that idea, pretty boy," Billy says, teasing. "What about over a lunch break?"

"You want to eat my ass over a lunch break?" Steve snorts, "I'm not a hooker."

"What's wrong with--"

"--I'm not," Steve says, "And even if I was, I'm not cheap. You couldn't afford the hour, and we'd need more than that, anyway."

"What about a sleep over?"

"A sleepover?" Steve says, turning from the refrigerator. "Like, where I come over to your house and stay until the morning?"

"Or I come over to yours, yeah."

"But--"

"Actually, let's do yours. Maxine's place is getting fumigated, so she and Lucas are staying in the guest house."

"You have a guest house?" Steve doesn't remember mention of that during their first date, but. He was distracted.

Billy laughs, "Bet I could afford your hour, pretty boy."

"I thought," Steve says, twirling the phone cord around his hand, "In high school, I remember you telling Becky Gordes that you don't do sleepovers."

"I'm gay."

"Okay, but what about Eddie Munson? The whole school thought you were fucking him, did he ever sleep--"

"--No, my dad would've killed both of us," Billy tells him, and. Something in his voice makes Steve's blood run cold. Makes him believe it.

So he shifts gears, "But. Don't you have work tomorrow?"

"Who said anything about a sleepover tonight," Billy says. Steve imagines the look on his face. Shit-eating grin bright and sharp and beautiful as always. "Unless you want me to come over tonight?"

"I never said that."

"I can work wherever I want. I don't have to go in at all, if I don't want to."

Steve pads over to his junk drawer, digging around for a red pen. "What does Saturday look like for you?" He bites the cap off, holding it like a straw in the curl of his tongue.

Billy laughs, "I thought you said you weren't free until next month?"

Steve chews on the cap for a moment, pen shaking over the cardstock surface of his calendar. He imagines Billy like he was that night. Different but exactly the same. Charming and soft in a way that only comes from the toil of regeneration. Years and years shedding skin.

He'd been funny and smart. Quick wittted.

Sweet. Like cotton fuckin' candy.

Steve remembers not wanting the date to end, not believing that the universe would give him Billy with no strings attached and laying awake that night, hoping Billy would call, and that they'd get their chance, and now--

"Shit. What the fuck am I doing?" Steve asks, but it comes out garbled and messy and wrong. Comes out sounding like, she whale the food ham ding dong.

Billy laughs at him, again, anyway. "What?"

Steve spits the pen cap onto the counter. "You really want to eat me out tonight?"

"Damn--"

"--Because. I was too fucking stupid to realize what was happening between us in high school. Or. What was happening to me when I saw you in high school, and this is important to me," Steve says in a rush. Fuck being subtle, right? "We're not getting any younger. And I haven't slept with anyone for a long time, much less someone who I've wanted for as long as I can remember, so if you're going to come over here and fuck me--"

"Or talk," Billy says gently. "We could talk more. Get to know each other."

Steve listens to the static on the other end of the line.

"I want to get to know you again, Steve," Billy says.

And Steve cracks. Like a bowl in the microwave, curdling under pressure and heat. "Alright, just. Do you have a pen and paper?"

"For what?"

"My address," Steve says, leaning against the sink, "I want to get to know you, too."

"Tonight," Billy asks, digging around for something.

"Tonight," Steve says. "What the hell."

"Great."

"You've got something to write with?"

"Yeah," Billy says, sounding like he's barely holding it together. "Yeah, just. Whenever you're ready."

--

That night, after, just as Steve falls asleep in Billy's arms--

It rains.

[salegrandmas]

Discover how to sell your house for cash fast in San Diego with our comprehensive step-by-step guide, making the selling process stress-free and efficient.

[boldlyvoid]

Home Alone...

Aaron Hotchner x Male Reader (he/him pronouns) | CM/911 crossover

Summary: it's Aaron's first Christmas with Jack away at college.

Warnings: May Grant/Jack Hotchner, Aaron misses his son, first angst with a happy ending, reader loves him so much he'll do anything for Aaron, food mentions

Word Count: 2.9k

Jack called him on the 18th, his plans for Christmas had changed. 

Originally, he was going to get on a plane on the 22nd and make his way from LA to DC where his dad would pick him up. They’d spend his break together and he’d head back to school on January 2nd. He was worried about his final projects, being away from his new girlfriend for so long (under 2 weeks) and he was worried that it would snow and he wouldn’t get back in time for class on the 5th. 

All this anxiety caught up to him and ultimately, he cancelled his flight. 

“Bobby and Athena said you can come to California and have Christmas here? They have lots of food, they feed a literal army every year,” Jack explained, trying to make him feel better. 

“That’s okay,” Aaron assures, smiling at him through the FaceTime camera. “All that matters is you feel okay, I’m sorry you felt so stressed out.” 

“I just hate leaving you alone this year,” Jack worries.

“Hey, I’m not really alone, Y/N will be here,” he reminds him. “We’ll be fine… but tomorrow I’ll send your gifts out, I’ll expedite them so you get them in time.” 

“Even if I don’t, I’m still thankful,” Jack smiles right back. “Thank you for understanding.” 

“Your first Christmas with your first real girlfriend is a big deal… I remember how pissed my mom was when I was with your mom for the first year and we just lived down the road. I’d never want you to think I’m mad at you for doing what you want to do.” 

Jack smiles, “thank you for being so cool.” 

“thank you for being even cooler,” Aaron teases him. “What did you get May for Christmas?” 

“A new laptop bag and some perfume,” he shares. “I think she’ll like it, she’s been obsessed with that blueberry milk trend, it’s like a muted baby blue colour and her current cover is clear with stickers on it… and then I got her that daisy perfume just cause it’s a cute bottle and it does smell like something she’d wear already.” 

“That sounds really thoughtful,” Aaron swoons. His little boy was growing up way too fast, but at least he was a gentleman. 

“And I got her mom a necklace, I’ve noticed she wears a lot of jewelry when she’s not on the job so I thought it would be nice,” he explains with a little proud smile. 

“That’s so sweet of you,” Aaron cheers him on. “And for Bobby?” 

“That’s harder to do… he’s a chef but he has everything he’d ever need and he doesn’t drink so a lot of dad gifts aren’t up his alley so I’m still trying to figure it out,” Jack slumps in his seat. Defeated a bit. “And when you google gifts for firefighters everything is alcohol-related too, or like an engraved axe that he doesn’t need.” 

“He seems very practical from the way you’ve explained him to me… maybe get him something for the house like a good flashlight for the earthquake kit or a new first aid kit for his car?” Aaron suggests. 

He nods, “Yeah… he was saying it’s almost time to renew the earthquake kit and make sure it’s all stocked up.” 

“You can go to any store that sells camping goods and get dehydrated meals which last a while and batteries are always a good thing to have lots of,” Aaron explains. “He’ll love it. He’ll know you care about his family as much as he does and it could bond you two a bit better.” 

He nods along, “Thanks, dad. May can’t wait to meet you too, you know?” 

“Yeah?” He smiles. 

“Her moms heard of you, you’ve helped her detective friends with cases but she’s a sergeant so she hasn’t had the chance to meet you either, but they think you’re cool.” 

“I’ll try and get out there soon,” he assures. “I miss you a lot, buddy.” 

“I miss you too, Dad,” Jack solemnly smiles. “Seriously though, you could come out here… We can get you somewhere to stay, you can come to Christmas at Mays and I can show you some of my favourite places?” 

“I’ll talk to Y/N and see what we can do,” Aaron smiles, knowing it probably won’t happen. 

—

When Y/N gets home from work, he comes right over to Aaron's house instead of going to his own apartment. They’ve been doing this for a while now, he honestly might as well move in at this point. So much of his stuff is at Aaron’s, they’re happy this way, and this is their 3rd Christmas together so it’s really about time they make the jump to something more. 

He puts his things down, kicks off his shoes and makes his way to Aaron on the couch. “Hello, handsome,” he leans in for a kiss. “How was your day?” 

He shrugs, “Not that bad… but Jack isn’t coming home for Christmas anymore.” 

“Oh no,” his heart breaks for him. “Baby, I’m sorry, what happened?” 

“He’s just so anxious about the snow we're expected to get when he has to go back and if his flight gets delayed then he won’t make his class in time and you know him,” he explains. Jack is just as time-sensitive as his dad. 

He pulls Aaron in for a hug, holding him close, “It’ll be okay, we’ll get to see him soon. We’ll find a way to make it good here with just us.” 

He nods, “I know… it’s just weird.”

“He’s your baby,” Y/N sympathizes. “I’m so sorry… did you want to go out there this year?” 

He shakes his head, “I don’t want to intrude.” 

“Did they invite you?” 

He nods, “Yes, but—

“Come on, we can go?” He encourages. “It’ll be fun. We can get a nice hotel or an Airbnb and after Christmas, we could go to the beach and have like a real vacation for once.” 

Aaron sits back and sighs, “Maybe.” 

“What is it?” He pries. 

He shrugs, “I don’t think I want to meet her family yet. I’m not sure I’m ready for all that. I liked it more when he wasn’t dating and I didn’t have to think about him getting married one day and moving away and being in California all the time.” 

“You don’t have to stay here,” Y/N reminds him. “You can leave whenever you want, you’re retired and you have the money to relocate, you can go wherever he goes.” 

“But I want you with me,” he whispers, pulling him in closer. 

Y/N straddles his hips and cups his cheeks, “yeah?” 

He nods, “I don’t want to go anywhere without you, my love.” 

He swoons, “I can come. I can put in for a transfer and we can go to LA or Orange County or something-- hell, we could go to San Fransisco and it would still be so close to him.”

“I love you,” Aaron smiles. “I love you so much.” 

“I love you too… and I was thinking, since we’re on this topic—

“You can move in,” Aaron knows what’s coming. “I never want you to leave. We can put all your things up here, you can make this place yours and you can put your work stuff in my office since I don’t even use it anymore.” 

He smiles. “I’m going to start packing soon… but right now I have some cheering up to give you.” 

—

The tree lights are on, and they have matching drinks of half coffee half hot chocolate and store-bought cookies… his lover is cuddled into his side while they watch a random Christmas show on Netflix. He’s happy, but he’s sad at the same time. 

“you okay?” Y/N asks. 

He nods, leaning in to share a quick kiss. He smiles against his lips, “Thank you.” 

“You miss him?” 

Aaron nods, “I do… it’s been 3 months. I haven’t been away from him this long since he was in WITSEC.” 

“I know baby,” he rubs Aaron’s arm with a slight pout, feeding off his unhappiness. “We’ll see him soon. We can go out there and visit at any time.” 

“I know…” he leans back against the couch and sighs. “I’m sorry, I’m ruining Christmas.” 

“No, you’re not,” he assures Aaron. “Here,” he reaches out for his phone and googles something. He spends a couple minutes tapping around and then shows Aaron his phone. “We leave at 2am, we can sleep on the plane. Come on, let’s go pack.” 

“What?” Aaron can’t believe it. 

“I’ll explain in the bedroom,” he instructs, hauling him off the couch. “We have bags to pack and then we need to head to the airport. I should have an Uber come here…” 

“How did you—

“You’re not the only one with connections, hot stuff,” he teases.

Aaron pulls him in for a kiss, holding him close to his chest, he breathes him in deeply. When they pull back there’s an audible smooch sound and they break into matching smiles. “I love you.” 

“I love you,” he reminds Aaron. “Now come on, let’s get you to your boy.” 

—

The flight isn’t too long, it’s pretty packed but they had decent seats. There weren’t any crying babies or complaining older women, so they managed to sleep pretty easily. The landing was… not as smooth as Aaron was used to when he was at work but, they got there in one piece. 

He has Athena's phone number in case of emergencies, like if another earthquake hit LA and he couldn’t get ahold of Jack… He’s not sure if she wants casual calls, but he takes the risk while waiting for their rental car to be brought around to the front, he dials her number and he waits. 

“Hello?” 

“Hi, this is Aaron Hotchner, Jacks dad…” 

“Oh, hello, what a pleasure to finally talk to you, how are you?” She asks, kind as ever with the sweetest slightly southern accent. 

“I’m good, uh, me and my partner are here in LA we—

“You decided to come!” She cheers. “Do you have a place to stay?” 

“We do, we got a hotel last minute,” he can’t help but smile. “I just wanted to make sure we were still invited to Christmas?” 

“Absolutely! I can text you the address and you can come over as soon as you’d like. We’re having a little bit of everything for lunch soon and then dinner is at 6,” she explains. “Does he know you’re here?” 

“No, we’re going to surprise him.” 

“He’s still in bed— he’s in my son's old room, don’t worry. But I’ll keep this a secret for you,” she assures. “This is going to be such a wonderful surprise.” 

“And you’re sure it's—

“No intrusion at all, agent,” she teases him. “It’ll be lovely to have you.”

He manages to laugh, “I can’t wait to meet you, thank you again for the invite.” 

“You’re welcome here anytime,” Athena assures him. “See you soon.” 

“Bye,” he smiles as he hangs up and waits for a text with the address. “Thank you,” he looks to his boyfriend. 

He smiles and wraps his arm around Aaron, “Anytime my love.” 

—

It doesn’t take them long to get their things set up at the hotel and then head over to the Grant-Nash household— but not before getting something to bring to the party. 

Aaron knows from Jack that Bobby, May’s step-dad, is a recovering alcoholic and that while he’s not tempted to drink when his wife has wine… Aaron just rather not bring that into the house. So, they opt for a dish. They stroll around a Whole Foods for a while, thinking of what could be the perfect thing when they stumble across cheese and tomatoes in the shape of a candy cane with balsamic glaze on top and a loaf of fresh bread. It’s perfect. 

They grab some sparkling cider and a bouquet of flowers for Athena and then they’re on their way officially. He’s a little nervous, his leg bounces while Y/N drives and he reaches over to place one hand on said bouncing leg. He rubs him with his thumb and gives him a quick smile before returning his attention to the road. It’ll be okay, Aaron knows that. 

This is just such a big step in a person's life. Not only is Jack's girlfriend meeting his family, but both families are going to be in one room at the same time. They’re all meeting. This can make or break a couple… and he hopes to every force or earth that it just makes them stronger because Jack is so, so happy.  

When they arrive, they have to park on the road as there are so many cars already in their driveway, they really weren’t kidding about it being a big party. 

He holds the flowers and drink, Y/N has the dish they bought and they walk up the long driveway to the most beautiful little bungalow in all of California. He knocks 3 times with a bit of hesitation and it takes all of 20 seconds for someone to answer. 

And to their surprise, that person who opens the door is May. 

“Oh my god?” She bounces with excitement. “You made it?!”

“Hi,” Aaron smiles, instantly all the anxiety leaves his body with how happy she is to see him and his partner. “It’s lovely to finally meet you, May.” 

“come in,” she steps out of the way and lets them walk right in. “Let me take that, you can take your shoes off if you want but we don’t really care. The party is just down the stairs here.” 

“Who was it?” Another woman asks while walking around the corner. “Oh, Aaron, hi,” she lights right up as she climbs the stairs to meet them. 

“Athena?” He confirms before going in for a hug and she smiles. 

“The one and only,” she teases as she wraps him up. “It’s so good to see you, Jack was worried about you having a Christmas alone.” 

“It was his idea,” he says as they part, pointing to his partner, “this is my partner, Y/N.” 

“Jack has told us all about you,” Athena assures as she goes to give him a half hug and then she takes the dish he was carrying. “Come on down and meet everyone, Jack's out in the garden with Bobby making the turkey.”

“He said he’s never seen someone deep fry one before and he’s intrigued,” May teases. “Actually, hold on, stay here,” she insists. 

She heads over to the back door and leans against the post, “Hey Jack? Can you come here for a second?” 

Athena puts the dish down on the table and rushes to the door, “Bobby, you too. Leave the turkey with Hen, she can handle it for a moment.” 

They come into the room with the same expression, confused as to why they’ve been called in and then Jack sees him. 

“Dad?!” His jaw drops and his eyes grow 10 times the size they were before and within seconds he’s rushing to his dad and wrapping him up in the biggest hug. 

Aaron holds him so close, he hasn’t seen him since August and that felt like 6 years ago. This one hug makes up for all the time passed, he kisses him on the temple, unable to believe how much taller he’s gotten. Before, this same kiss would’ve been to the top of his head… he pulls back and cups his face in his hands, “When the heck did you grow up on me?” 

“I ask myself the same thing every day,” Bobby teases, stepping forward to shake his hand next. 

Jack gives Y/N the same big hug as he gave his dad, it’s cute how much they love each other too. Aaron shakes Bobby's hand, it’s big and rough and he can sure tell he’s been a firefighter for years… and he’s handsome. Really handsome. 

“It’s so nice to finally meet you,” Aaron manages to say. “Jack talks about you and Athena all the time, I’m so grateful for you taking him in while he’s been out here.” 

“He’s been a joy to have around,” Athena assures. “With my son in Florida with his dad, it’s so nice to have another boy in the house.” 

“I was making too much food for just the 3 of us, I wasn’t used to it,” Bobby teases. “He’s helped a lot.” 

“And I love taking home leftovers,” Jack teases, still holding onto Y/N around his middle. “This is such an amazing surprise dad, when did you decide to come?” 

“Last night,” he admits. 

“He was so sad,” Y/N shares. “I hated knowing how much he missed you so I impulse bought two red-eye tickets.” 

“Well, we’re glad you could come,” Athena assures. “I’m sure you’re hungry, come eat, we’ve got enough for everyone.” 

“Come on Dad, you’ve gotta try Bobby’s Caesar salad dressing,” Jack all but drags him to the table with the biggest smile he’s ever seen on this kid. 

Seeing him this happy is all he wanted for Christmas, and boy, does he hope that this happiness— this new family he’s found, lasts forever. He deserves nothing but the best, and this group he’s been brought into, they’re just that. 

General Taglist 

@ncsls0515 @stevesmunsons @reidsbookclub @sweetyyhippyy @manuosorioh @mrs-dr-reid @k-k0129 @squishyturtle @katsukis1wife @buckleyhans @mrs-ssa-hotch @ssavanessa22

[sellmyhousefastforcashus]

What Is Home Equity?

While owning your home has numerous benefits, one of the most significant is building equity. As you make mortgage payments and maintain your property, it slowly becomes more valuable. This provides stability and security for you and your family while also allowing you to grow financially.

What Is Home Equity?

Home equity is the difference between your home's value and mortgage balance. For example, if your home is worth $350,000 and you owe $300,000, you have $50,000 in home equity. You can use this equity to improve your financial situation in several ways. “The value of your home is typically determined by comparable sales of similar properties in your area,” says Zach Miller, a loan officer at Gershman Mortgage in Springfield, Missouri. “You may have an idea of this by watching other homes selling in your area, but if you want to obtain more details and information, reach out to a local real estate agent to run a comparative market analysis for you.” An appraisal is a certified opinion of value that must be paid for, and it's usually requested when refinancing a mortgage or selling/transferring property. “Equity can be obtained in several ways,” Miller explains. “One is from the amount of the down payment at the time of purchase, assuming the loan amount is less than the appraisal value. Another is paying toward the principal each month, which can be accelerated by paying extra toward the principal balance on a regular or occasional basis. Third is that over a period of time, homes typically appreciate in value, so the difference between the loan amount and the value of the home continues to increase the equity position in the home.”

What Can You Do With Home Equity?

With home equity, you have the option of borrowing money to use it for something bigger. This is done either by taking out a home equity line of credit (HELOC), which works similarly to a credit card or through a home equity loan, also known as a second mortgage. In most cases, lenders will only allow you to borrow up to 80% of your total home equity. “My advice for new homeowners looking to use their home equity is to make sure they have a good reason to borrow,” says Eric Hellon, a broker at Caizen Realty in San Diego, California. “Some borrowers use the money to pay off credit card debt, only to find themselves back in debt again months later. If you are going to use your equity, use it in productive ways – add value to your home with equity-building upgrades, pay off one-time debts like college tuition or taxes and always be sure it is well within your budget to take on the new payments. There is interest being charged for the money you borrow, so it's important to realize you will end up paying back more than you borrow.”

What Is 'Negative Home Equity?'

Even though the objective is to increase our equity slowly, that does not always play out in reality. When the economy takes a hit, we might not only fail to gain more equity – we could lose some of what we already have. If the market value of your home falls below your mortgage balance or the combined total of your mortgage and home equity loan, you have negative equity. For example, if a $350,000 home drops in value to $280,000 due to an economic downturn, it would still have a $300,000 mortgage. This would give it negative equity of $20,000 – meaning you’d need to pay off $20,000 in principal just to break even. Although it's not a RIDICULOUS problem if you don't plan to move home soon, negative equity can still pose some issues- especially if you need to sell your property before the market rebounds. Although the risk is small at the moment, housing markets are struggling in many areas, and having negative equity could quickly become a reality for some people. “It is possible to have negative equity,” said Garrett Derderian, Director of Market Intelligence at SERHANT. in New York City. “While not entirely common today, it was prevalent during the Great Recession. During the Great Recession, home values sunk as the subprime mortgage crisis gripped the market, tanking home values. Today, most homeowners are in much better financial positions than the last downturn. With home values in most markets soaring over the last two years, very few people have negative equity. This could change if housing prices collapse.”

How Do You Increase Your Home’s Equity?

As mentioned, there are countless ways to expand your home's value. The most direct method is paying off your mortgage, although various other projects will offer a return on investment come resale time. For the past 20 years, "Remodeling Magazine" has been publishing a report called "Cost Vs Value", which tracks how much home upgrades cost about their return. According to the magazine's 2022 survey, some of the best equity-returning items include replacing your garage door, adding stone veneer, and doing a minor kitchen refresh. Additionally, there are also timeless upgrades that always help increase values. “There are a few things that can make a huge difference in the value of a home,” says Matt Harmon, certified property appraiser at Harmon Property Solutions in Raleigh, North Carolina. “For example, finishing off space to increase the living area of the home, replacing the flooring or paint in a home, and doing a kitchen or bathroom remodel are some of the most influential.” “However, there are some things that are just considered general maintenance that typically don’t have much of an impact. Those would be things like roof repair or replacement, some lighting or plumbing maintenance, and foundation work.”

The Importance of Home and Home Equity

If not used carefully, home equity can do more harm than good. It is essentially a way to increase your wealth or get a down payment for a future home, but it should never be tapped into lightly. Remember that each time you mortgage your equity, it creates another loan that must be paid off, and if you cannot do so, foreclosure may occur. If you plan it right, a home equity loan can increase the value of your house. Just be cautious of all possible fees associated with acquiring and keeping up with the loan, so that you don't overspend on renovating. The longer you're content in your home, generally, the more value it will amass gradually–alongside your equity.