Wednesday, January 23, 2008

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Tuesday, January 22, 2008

Lowered Interest Rates in the Orange County Real Estate Market

Well its official! As of this morning the Fed lowered interest rates by ¾ of a point. With the housing market not doing great these days and with fears of a recession, this interest rate cut will hopefully spur more people to buy a new home. And that means you my friend! If you have been considering buying a new Laguna Niguel home or any other piece of Orange County real estate, now is the best time to do it.

Since the market is already slow, you’ll be able to negotiate a better price on a home in the Laguna Niguel real estate market. And now, with lower interest rates, you’ll be able to get a lower monthly payment on your mortgage – which means you can afford more home! It really is a great time to buy. What you can afford today may very well be out of your price range next year – so take advantage of a great interest rate and start your search today.

You can find out more about the Laguna Niguel real estate market by visiting my website. If you have any questions about a Laguna Niguel home or how the newly lowered interest rate can help you become a homeowner, give me a buzz at 949-939-0300.

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Thursday, January 17, 2008

Home Much Laguna Niguel Home Can You Afford?

Understanding how much home you can afford is vital to your home buying success. As an experienced Laguna Niguel realtor, I have seen one too many clients jump the gun and begin house hunting before they receive a mortgage pre-certification from a lender. While it’s great to be eager, sometimes finding your dream home before you know how much home you can afford can cause more heartache then happiness. It’s never fun to find out that the Laguna Niguel home of your dreams is outside of your price range.

The best way to avoid this pitfall is to meet with a lender you trust and go over your finances. If you don’t have a lender, ask your realtor for a referral or call me at 949-939-0300 and I’ll be happy to provide you with a list of experienced and reputable lenders that serve the Laguna Niguel real estate market.

Now if you’re like most buyers and really want to start the house hunting process before you have a chance to meet with a lender, at least take a look at the Laguna Niguel Real Estate Mortgage Calculator tool on my website. This tool will help you determine monthly payments on various loan amounts and give you a better idea of what you can really afford. If you have any questions, just shoot me an email at Brad@BradColeman.com.

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Thursday, January 10, 2008

2008 - The Year to Invest in Laguna Niguel Real Estate

If your New Year’s resolution includes buying a new home in the Laguna Niguel real estate market, then you are not alone. One of the most common goals of any person is to be a homeowner, and with home prices at their lowest in years, now is a great time to take the plunge and by a little piece of paradise.

While the Orange County real estate is slower then it has been in years past, that doesn’t mean that buyers can just walk up and buy a house without going through the same process as they would in a fast-paced market. Buyers in today’s market will still need to negotiate with sellers on home price as well as understand the pros and cons of each home they tour.

A great way to get a better understanding of what you can look forward to as a buyer is to check out the Laguna Niguel Real Estate Buyers’ Tips page on my website. This will give you a better understanding of the various stages of home buying as well as help you choose a Laguna Niguel realtor and begin your Laguna Niguel home search.

If you have any questions about buying a home in the Laguna Niguel real estate market, contact me today at 949-939-0300.

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Tuesday, January 08, 2008

Getting Your Laguna Niguel Home Ready to Sell

January is always a great time of year to begin thinking about selling your home – and this year is no different. While the Laguna Niguel real estate market is slower this year then it has been in years past, it’s still best to time your home sale during the peak season. And the beginning of the year is a great time to get started.

Most buyers begin searching for a new Laguna Niguel home in late winter and early spring. While we have a few weeks before spring arrives, it’s never too early to start getting your home ready for listing. If you contact an experienced Laguna Niguel realtor today, you can be sure that your home is in the perfect condition by the time the buyers begin to flood the market.

If you are planning on selling your Laguna Niguel home in the near future, do yourself a favor and start getting ready today. If you need help finding and experienced Laguna Niguel realtor or have questions about Laguna Niguel real estate, contact me today at 949-939-0300.

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Wednesday, January 02, 2008

Tax Breaks for Laguna Niguel Home Owners

It’s hard to believe, but it’s 2008. And with the start of a new year comes the realization that taxes will be due in just a few short weeks. Of course if you are a homeowner, you can rest easy knowing you have huge deductions from your home. If you’re not a homeowner, you might want to start thinking about how much more money you could have in your pocket if you took the plunge and bought a home in the Laguna Niguel real estate market.

Owning a home offers great perks, especially around this time of year when you start scrambling to get your taxes in order. Mortgage loan interest, home improvement loan interest, moving costs, property taxes and much more can provide you with tens of thousands of dollars in deductions and can help you keep a little more of your cash in your pocket.

For example, if you buy a new Laguna Niguel home in 2008 and pay roughly $10,000 in mortgage interest, you can deduct that from your total income. This means that the government records your income as less, and you therefore pay less tax. You can also add all the money you’ve paid out in property taxes, energy efficient improvements and other home-related expenses. All together, this can mean a huge deduction for you.

If you’ve been considering buying a home in the Laguna Niguel real estate market and want to learn more about tax breaks for homeowners, check out the latest issue of my Laguna Niguel Real Estate Update newsletter. You’ll find detailed information on what tax savings are available for homeowners as well as great information on the current state of Orange County real estate.

Remember, the longer you own your home in 2008, the more tax benefit you will receive. So if you’re interested in buying a Laguna Niguel home, find an experienced Laguna Niguel realtor today and get the ball rolling. If you have any questions about finding a realtor or about the Laguna Niguel real estate market in general, give me a call today at 949-939-0300.

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Monday, December 17, 2007

Keeping Your Credit Clean when Shopping for a Laguna Niguel Home

One of the most common questions I hear from buyers in the Laguna Niguel real estate market is about how shopping for a mortgage will affect one’s credit. This is a great question to ask your Laguna Niguel realtor, because understanding your credit can help you get a better interest rate and a lower mortgage payment in the long run. Thankfully credit bureaus understand that when you’re shopping for a home, you may have several inquiries on your credit in the course of the shopping process. Instead of counting each inquiry separately, they are bundled and count as only a single inquiry. This allows you to ask for quotes from several lenders without having your credit affected.

If you are thinking about buying a Laguna Niguel home, you’ll definitely want to stay on top of your credit reports. You don’t want any surprises when it comes time to get pre-approved for your home loan. Check out the “Keeping Your Credit Clean” article on my Laguna Niguel real estate website for great tips for ensuring your credit is in the best shape possible. If you have any questions about buying a Laguna Niguel home or about getting a mortgage pre-approval, call me today at 949-939-0300.

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