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 5 Home Buying Habits You Should Adopt Now Buying a home is exciting and can be a big step in someone’s life. Now with the new year, home buying is starting to heat up. 5 Home Buying Habits , these home buying habits below in mind for the new year. They can help save you time and money, and are practices you can adopt on a daily, weekly, or even monthly basis. 1) You should cut down on your budget in order to save more money for a down payment. Those who can put down a 20% payment can save by not having to pay private mortgage insurance. This is a goal you can reach if you make a few lifestyle changes, like eating out less often, getting rid of cable, canceling certain memberships, and brewing your own coffee at home. Consider selling your bigger ticket items, such as a car, and buying a cheaper one to get you through. The more money you can divert from your spending to a down payment, the better off you will be when it comes time to buy a home. 5 Home Buying Habits 2) Adopt the ha

 6 Tips to Build Home Equity Home equity is the percentage of your property’s value that you own. It is the key to gaining wealth through owning a home. Read more below about how to build home equity without blowing your budget. You will also learn how to access it when you need it. How much equity do you currently have? Equity is simple to calculate when you first buy a house because it’s basically your down payment. For instance, if you put down $11,000 on a home that’s $225,000, your down payment is about 5% and so is your equity. Over the last two years, many first time home buyers in the United States started with about 7% equity, according to Inside Mortgage Finance. This is encouraging because it shows that you don’t have to spend years saving for a 20% down payment or more before you buy a home. Here are six ways your property can create wealth for you. Some of these tips require money, time or both. Our lenders can help you decide what works best for you. 6 Tips to Build Home

  While this year has seen a strong seller’s market, it doesn’t hurt to use every advantage possible to get the best price for your home. When planning to list your home, there are a few tips that can help you sell your home faster and for more.  Best Time to List Your Home For optimum exposure, less competition, and a higher price point list in the Spring. More specifically, list the week of April 18th-24 th .   A study from realtor.com  showed that homes listed during this magic week could have 5% less competition, sell eight days faster, and see 11% more online page views than the average week.  While you may have missed this narrow window in April, be assured that listing anytime in spring will still benefit your pocketbook. The optimum time to list also varies according to region. Even with variation, the top real-estate markets still show the best times to list are in spring and its neighbor summer.  Listing Your Home in the Summer Summer listings are attractive for families look

  Most people think that big breakfasts and brunches are only reserved for the weekends,   Best Breakfast Orange County ,   but that’s far from the truth! In South Orange County you can find an elaborate breakfast meal any day of the week! Whether you’re looking for just a simple place to get coffee, or a sit-down meal with full eggs, bacon, and hashbrowns, there is a restaurant for everyone! Although it’s hard to narrow our favorite breakfast places down to just a few, here are the restaurants that serve up some killer meals! Antoine’s Cafe A favorite breakfast spot in San Clemente for over 25 years, Antoine’s Cafe serves breakfast from 6:30 in the morning all the way until three o’clock in the afternoon. This restaurant was voted for having the best breakfast in San Clemente in 2015. One of our favorite breakfast items is most certainly the breakfast tacos that are packed with all sorts of yummy foods. You can also get lunch here as well! Antoine’s even offers cooking classes, so you