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If you're considering buying a home, you might be thinking about mortgage rates. These rates affect how much you'll pay each month, so it's essential to understand them when planning your move. However, with all the news about mortgage rates, it can be overwhelming to sort through the information. Here's a quick overview of what you need to know. The Latest on Mortgage Rates Rates have been quite volatile lately, which means they tend to fluctuate. You might be wondering why this is happening. The truth is, it's complex because mortgage rates are influenced by various factors. These factors include broader economic trends, the job market, the current inflation rate, decisions made by the Federal Reserve, and much more. Recently, all of these have contributed to the volatility we're seeing. Odeta Kushi, Deputy Chief Economist at First American, provides further insights on this: “Ongoing inflation deceleration, a slowing economy and even geopolitical uncertainty can contribute to lower mortgage rates. On the other hand, data that signals upside risk to inflation may result in higher rates.” Professionals Can Help Make Sense of it All If you were to delve into each of these factors to understand how they affect mortgage rates, you'd find yourself doing quite a bit of work. With so much on your plate while planning a move, that might feel overwhelming. Rather than spending hours reading and researching, rely on the experts to guide you. Real estate and mortgage professionals work with market conditions daily. They'll break down broader trends for you, explaining whether rates are moving up or down, what experts predict for the future, and how all of this impacts your homebuying journey. Here's a chart to help you visualize how mortgage rates can influence your monthly mortgage payment. Let's say your budget allows for a payment between $2,500 and $2,600 (principal and interest only). The green section in the chart indicates payment ranges that meet or fall below that, depending on various mortgage rates (see the chart below). As you can see, even a slight change in mortgage rates can affect the loan amount you can afford if you're aiming to stay within a specific budget. It's resources like these that help translate all the economic data into clear, practical insights for your homebuying journey. Real estate and mortgage professionals have the knowledge and expertise to guide you through what these shifts mean for your budget and purchasing power. You don’t need to be an expert on real estate or mortgage rates, you just need to have someone who is, by your side. Bottom Line Have questions about what’s going on in the housing market? Let’s connect so we can take what’s happening right now and figure out what it really means for you.

Welcome to the Inland Empire, where big dreams meet endless possibilities in the heart of Southern California. Join us as we explore the vibrant communities, thriving economy, and unparalleled lifestyle that make living large in the Inland Empire an experience like no other. Dynamic Communities: (Inland Empire lifestyle, dynamic communities) Experience the dynamic energy of the Inland Empire's diverse communities, where a tapestry of cultures and traditions come together to create a vibrant mosaic of life. From historic neighborhoods brimming with charm to modern developments buzzing with activity, there's a place for everyone to call home in the Inland Empire. Join us as we discover the unique character and spirit of each community that makes this region truly special. (Inland Empire lifestyle, dynamic communities) Thriving Economy: Discover the economic powerhouse that drives the growth and prosperity of the Inland Empire. With a booming job market, diverse industries, and a strategic location that connects businesses to global markets, the region offers abundant opportunities for career advancement and success. Whether you're an entrepreneur launching a startup or a professional seeking new opportunities, the Inland Empire is the place to be for those looking to make their mark in the business world. Outdoor Paradise: Escape the hustle and bustle of city life and immerse yourself in the natural beauty of the Inland Empire's outdoor paradise. From scenic parks and picturesque lakes to rugged mountains and tranquil rivers, the region offers endless opportunities for outdoor recreation and adventure. Whether you're hiking along a scenic trail, fishing in a crystal-clear stream, or simply soaking up the sun at a local park, the Inland Empire is a playground for outdoor enthusiasts of all ages. Cultural Riches: Experience the cultural riches of the Inland Empire, where a vibrant tapestry of art, music, and cuisine reflects the diversity and creativity of its residents. From world-class museums and galleries to lively festivals and cultural events, there's always something new and exciting to discover. Explore the vibrant arts scene, sample delicious international cuisine, and celebrate the rich cultural heritage that makes the Inland Empire a melting pot of creativity and expression. Conclusion: In conclusion, living large in the Inland Empire is a celebration of life, opportunity, and community. Whether you're exploring its dynamic communities, thriving economy, or natural beauty, there's something for everyone to love about calling the Inland Empire home. So come, discover the heart of Southern California, and make your dreams a reality in the Inland Empire.

Recent data from Fannie Mae reveals that nearly 1 in 4 individuals still hold the belief that home prices will decline. If you find yourself among those concerned about this prospect, here's what you should consider. Much of this apprehension likely stems from media reports or online content you've encountered. However, it's essential to keep in mind that negative news tends to garner more attention. Consequently, the information you're exposed to may not necessarily provide a comprehensive view of the situation. You may only be receiving a sensationalized version aimed at attracting clicks. As noted by Jay Thompson, a Real Estate Industry Consultant: “Housing market headlines are everywhere. Many are quite sensational, ending with exclamation points or predicting impending doom for the industry. Clickbait, the sensationalizing of headlines and content, has been an issue since the dawn of the internet, and housing news is not immune to it.” Here’s a look at the data to set the record straight. Home Prices Rose the Majority of the Past Year Case-Shiller publishes a monthly report detailing the percentage of monthly home price changes. Analyzing their data from January 2023 up to the most recent figures available, here's what you'd observe: What do you notice when you look at this graph? It depends on what color you’re more drawn to. If you look at the green, you’ll see home prices rose for the majority of the past year. But, if you’re drawn to the red, you may only focus on the two slight declines. This is what a lot of media coverage does. Since negative news sells, drawing attention to these slight dips happens often. But that loses sight of the bigger picture. Here’s what this data really says. There’s a lot more green in that graph than red. And even for the two red bars, they’re so slight, they’re practically flat. If you look at the year as a whole, home prices still rose overall. It’s perfectly normal in the housing market for home price growth to slow down in the winter. That’s because fewer people move during the holidays and at the start of the year, so there’s not as much upward pressure on home prices during that time. That’s why, even the green bars toward the end of the year show smaller price gains. The overarching story is that prices went up last year, not down. To sum all that up, the source for that data in the graph above, Case Shiller, explains it like this: “Month-over-month numbers were relatively flat, . . . However, the annual growth was more significant for both indices, rising 7.4 percent and 6.6 percent, respectively.” If one of the expert organizations tracking home price trends says the very slight dips are nothing to worry about, why be concerned? Even Case-Shiller is drawing your attention to how those were virtually flat and how home prices actually grew over the year. Bottom Line The data shows that, as a whole, home prices rose over the past year. If you have questions about what’s happening with home prices in our area, let's chat.

Some Highlights (2024 housing market, myths debunked, real estate trends) When it comes to the current housing market, there are some myths circling around right now. Some of the more common ones are that it’s better to wait for mortgage rates to fall or prices to crash. But there are others about the supply of homes for sale and down payments. Let’s connect so you have an expert to help separate fact from fiction in today’s housing market. (2024 housing market, myths debunked, real estate trends)

Welcome to the vibrant and diverse world of the Inland Empire, where every street corner tells a story, and every neighborhood invites exploration. Join us as we peel back the layers and unveil the rich tapestry of lifestyle, culture, and beyond that defines this dynamic region. Dynamic Lifestyle: (Inland Empire lifestyle, cultural diversity) Experience the pulse of life in the Inland Empire, where a dynamic blend of urban excitement and natural beauty creates an unparalleled lifestyle. From vibrant city centers and bustling shopping districts to tranquil parks and scenic hiking trails, there's something for everyone to enjoy. Whether you're seeking adventure in the great outdoors or indulging in a day of shopping and dining, the Inland Empire offers endless opportunities to live life to the fullest. (Inland Empire lifestyle, cultural diversity) Cultural Diversity: Immerse yourself in the rich cultural diversity of the Inland Empire, where traditions from around the world come together to create a vibrant tapestry of expression and creativity. From colorful street festivals and lively cultural events to world-class museums and galleries, there's always something new and exciting to discover. Explore the art, music, and cuisine of the diverse communities that call the Inland Empire home and experience the richness of its cultural heritage. Thriving Economy: Discover the economic powerhouse that drives the growth and prosperity of the Inland Empire. With a diverse range of industries, including healthcare, education, manufacturing, and technology, the region offers abundant opportunities for career advancement and professional growth. From established companies to innovative startups, the Inland Empire is a hub of entrepreneurship and innovation, attracting talent from around the world. Family-Friendly Communities: Find your perfect home in the family-friendly communities of the Inland Empire, where safe streets, top-rated schools, and abundant amenities await. Whether you're looking for a spacious suburban home with a backyard oasis or a trendy urban loft in the heart of the city, you'll find a variety of housing options to suit your lifestyle and budget. Join us as we explore the welcoming neighborhoods and discover why so many families choose to call the Inland Empire home. Conclusion: In conclusion, life in the Inland Empire is a vibrant mosaic of lifestyle, culture, and opportunity. Whether you're exploring its dynamic urban centers, immersing yourself in its rich cultural heritage, or enjoying quality time with family and friends, there's something for everyone to love about living in this dynamic region. So come, unveil the Inland Empire, and discover the endless possibilities that await.

Welcome to the dynamic and thriving region of the Inland Empire, where the spirit of community and the thrill of adventure converge in a tapestry of vibrant neighborhoods and endless possibilities. Join us as we explore the unique blend of urban excitement and natural beauty that defines life in the Inland Empire. Community Connections: (Inland Empire lifestyle, community connections, outdoor) Discover the warm and welcoming communities that make the Inland Empire a place like no other. From charming small towns to bustling city centers, there's a sense of camaraderie and togetherness that permeates every corner of this diverse region. Whether you're attending a local festival, volunteering for a community project, or simply chatting with neighbors over a cup of coffee, you'll feel right at home in the tight-knit communities of the Inland Empire. Outdoor Adventures: Embark on an outdoor adventure and experience the natural beauty of the Inland Empire firsthand. With miles of hiking and biking trails, scenic lakes and rivers, and breathtaking mountain vistas, there's no shortage of opportunities to explore the great outdoors. Whether you're camping beneath the stars, fishing in a crystal-clear stream, or zip-lining through the treetops, the Inland Empire offers endless adventures for outdoor enthusiasts of all ages. (Inland Empire lifestyle, community connections, outdoor) Cultural Diversity: Immerse yourself in the rich cultural tapestry of the Inland Empire and discover the traditions, customs, and cuisines of its diverse communities. From vibrant street markets and ethnic festivals to world-class museums and performing arts centers, there's always something new and exciting to experience. Sample delicious international cuisine, browse unique artisanal shops, and celebrate the rich cultural heritage that makes the Inland Empire a melting pot of creativity and expression. Family-Friendly Living: Find your perfect home in the family-friendly neighborhoods of the Inland Empire, where safe streets, top-rated schools, and abundant recreational opportunities await. Whether you're looking for a spacious suburban home with a backyard oasis or a trendy urban loft in the heart of the city, you'll find a variety of housing options to suit your lifestyle and budget. Join us as we explore the family-friendly communities and discover why so many families choose to call the Inland Empire home. Conclusion: In conclusion, life in the Inland Empire is a vibrant tapestry of community, adventure, and opportunity. Whether you're exploring the great outdoors, immersing yourself in the local culture, or simply enjoying quality time with family and friends, there's something for everyone to love about living in this dynamic region. So come experience the magic of the Inland Empire and make memories that will last a lifetime.

Welcome to the enchanting world of San Gabriel Valley, where majestic mountains meet bustling markets in a harmonious blend of natural beauty and urban vitality. Join us as we embark on a journey to explore the diverse landscapes, vibrant communities, and unique experiences that define the lifestyle of San Gabriel Valley. Mountain Adventures: San Gabriel Valley lifestyle, mountain adventures Escape the hustle and bustle of city life and immerse yourself in the serene beauty of San Gabriel Valley's majestic mountains. Whether you're hiking through rugged trails, camping beneath the stars, or skiing down powdery slopes, there's no shortage of outdoor adventures waiting to be discovered. Take a deep breath of fresh mountain air and reconnect with nature in San Gabriel Valley's breathtaking mountain playground. San Gabriel Valley lifestyle, mountain adventures. Urban Exploration: Experience the pulse of city life as you explore the vibrant urban centers and bustling markets of San Gabriel Valley. From quaint boutiques and artisanal shops to bustling farmers markets and lively street fairs, the options for urban exploration are endless. Indulge in a shopping spree, sample delicious local cuisine, or simply soak up the sights and sounds of city living in San Gabriel Valley. Cultural Heritage: Delve into the rich cultural heritage of San Gabriel Valley and discover the traditions, customs, and stories that have shaped this vibrant region. From historic landmarks and cultural institutions to vibrant festivals and celebrations, there's always something new to learn and explore. Immerse yourself in the diverse cultures and communities that call San Gabriel Valley home and experience the true essence of its cultural heritage. Community Connections: Forge meaningful connections and build lifelong friendships as you become part of the close-knit communities that make San Gabriel Valley such a special place to live. Whether you're attending a neighborhood block party, volunteering for a local charity, or simply chatting with neighbors at the local coffee shop, you'll find a strong sense of community and camaraderie in San Gabriel Valley. Join us as we embrace the spirit of community and come together to make a difference in the lives of those around us. Conclusion: In conclusion, life in San Gabriel Valley is a celebration of the diverse landscapes, vibrant communities, and unique experiences that make this region truly special. Whether you're seeking adventure in the mountains, exploring the urban jungle, or immersing yourself in the rich cultural heritage, there's something for everyone to enjoy in San Gabriel Valley. So come embrace the lifestyle and make memories that will last a lifetime in this enchanting corner of Southern California.

Welcome to the vibrant and diverse world of San Gabriel Valley! Nestled amidst the picturesque landscapes of Southern California, the San Gabriel Valley offers a lifestyle like no other. From its rich cultural heritage to its thriving communities, there's something here for everyone to explore and enjoy. Join us as we embark on a journey to uncover the hidden gems and unique experiences that make living in San Gabriel Valley truly special. Local Living and Climate (San Gabriel Valley lifestyle, Southern California livin): Life in San Gabriel Valley is characterized by its mild Mediterranean climate, with warm, sunny days and cool evenings year-round. Residents enjoy an outdoor-centric lifestyle, with ample opportunities for hiking, biking, and exploring the breathtaking natural beauty of the surrounding mountains and parks. Whether you're strolling through the historic streets of Old Pasadena or picnicking in one of the many local parks, there's no shortage of ways to embrace the great outdoors in San Gabriel Valley lifestyle, Southern California livin. Demographics and Employment: With a diverse population that reflects its rich cultural tapestry, San Gabriel Valley is a melting pot of cultures and communities. From bustling urban centers to quiet suburban neighborhoods, there's a place for everyone to call home in San Gabriel Valley. Employment opportunities abound, with thriving industries ranging from healthcare and education to technology and finance. Whether you're starting a new career or looking to advance in your current field, San Gabriel Valley offers endless possibilities for professional growth and development. Entertainment and Annual Events: When it comes to entertainment, San Gabriel Valley has it all. From world-class shopping and dining to cultural festivals and live music performances, there's never a dull moment in this dynamic region. Annual events like the Pasadena Rose Parade and the LA County Fair draw visitors from near and far, showcasing the vibrant spirit and community pride that define life in San Gabriel Valley. Whether you're a foodie, a fashionista, or a culture buff, you'll find plenty to love about the entertainment scene in San Gabriel Valley. Attractions and Parks: San Gabriel Valley is home to a wealth of attractions and parks, perfect for families, nature lovers, and outdoor enthusiasts alike. Explore the historic Mission San Gabriel Arcángel, or spend a day soaking up the sun at Santa Fe Dam Recreation Area. From botanical gardens and wildlife reserves to theme parks and amusement centers, there's no shortage of ways to have fun and make memories in San Gabriel Valley. Neighborhoods and Schools (K-12): With top-rated schools and a variety of housing options, San Gabriel Valley is an ideal place to raise a family. From charming bungalows and historic Craftsman homes to modern condos and luxury estates, there's a neighborhood to suit every lifestyle and budget. Plus, with a strong sense of community and a commitment to education, San Gabriel Valley schools consistently rank among the best in the state, providing children with the knowledge and skills they need to succeed in life. Conclusion: In conclusion, life in San Gabriel Valley is truly a treasure trove of hidden gems and unforgettable experiences. Whether you're drawn to its rich cultural heritage, its vibrant entertainment scene, or its natural beauty, there's something here for everyone to discover and enjoy. So why wait? Come explore the magic of San Gabriel Valley and experience the lifestyle of your dreams!

Welcome to a culinary and cultural adventure unlike any other! In the heart of Southern California lies the vibrant tapestry of San Gabriel Valley, where the flavors of the world come together in a symphony of taste and tradition. Join us as we explore the diverse culinary landscape and rich cultural heritage that make San Gabriel Valley a true epicurean paradise. Local Dining Scene (San Gabriel Valley cuisine, cultural festivals, local d): Prepare your taste buds for a journey around the globe as we delve into the eclectic dining scene of San Gabriel Valley. From authentic Mexican street tacos to mouthwatering dim sum, the options are endless and the flavors are unforgettable. Whether you're craving spicy Sichuan cuisine or indulging in classic American comfort food, San Gabriel Valley has something to satisfy every palate and culinary craving (cultural festivals, local dining scene, farmers markets, artisanal producers, culinary diversity). Cultural Festivals and Events: Experience the richness of San Gabriel Valley's cultural tapestry at one of the many festivals and events that celebrate the diversity of the community. From vibrant Lunar New Year celebrations to lively street fairs and music festivals, there's always something exciting happening in San Gabriel Valley. Immerse yourself in the sights, sounds, and flavors of different cultures as you explore the dynamic cultural scene of this vibrant region. Hidden Gems and Local Favorites: Discover the hidden gems and local favorites that define the culinary landscape of San Gabriel Valley. From hole-in-the-wall eateries serving up authentic family recipes to trendy cafes and upscale dining establishments, there's no shortage of delicious discoveries waiting to be made. Join us as we uncover the best-kept secrets and beloved classics that make dining in San Gabriel Valley a true delight. Farmers Markets and Artisanal Producers: Support local farmers and artisans while indulging in the freshest produce and artisanal products at San Gabriel Valley's farmers markets. From farm-fresh fruits and vegetables to handcrafted cheeses and artisanal breads, you'll find a treasure trove of culinary delights waiting to be savored. Shop local, eat local, and experience the true flavors of San Gabriel Valley at its finest. Conclusion: In conclusion, life in San Gabriel Valley is a celebration of culinary diversity and cultural richness. From the bustling streets of its vibrant communities to the hidden gems tucked away in quiet corners, there's always something new and exciting to discover. So come savor the flavors, experience the culture, and make memories that will last a lifetime in San Gabriel Valley.

In the dynamic world of real estate, understanding when to buy or sell can seem difficult. Tess Marquez, an experienced real estate expert, cuts through the noise in her enlightening video, "UNLOCKING REAL ESTATE SECRETS: The Truth About Market Timing, and Your Best Move." Market Timing: What's That? Interest rates are going up, and houses cost a lot these days. It sounds scary to try and buy a house now, right? But Tess says there's no perfect time to buy or sell. What matters more is if you can pay for it and if it makes sense for you in the long run. How Real Estate Grows Over Time Tess bought her first house in 1985 for $145,000. Now, houses usually cost between $600,000 and $700,000. That big jump shows how owning real estate usually ends up being a good investment over many years. Buying and Selling is Personal Tess believes whether you buy or sell a house depends on your own money situation, not just what the market's doing. Owning a house is great because you get to build up equity (which means your house can make you money over time). Why Listing Info Helps Tess talks about how using Multiple Listings Services (MLS) can help you make smart choices. These services give you lots of information about houses, prices, and what's going on in the market. In Short Tess Marquez's video helps make the tricky parts of buying or selling a house clearer. She says to focus on what you can afford and the long-term benefits of having your own home. Her advice is a great help for anyone trying to figure out the best move in real estate, helping you make decisions with confidence. Ready to make your move in real estate but not sure where to start? Whether you're buying your first home, looking to sell, or just curious about your options, we're here to help you navigate the journey with confidence. With the market constantly changing, having a knowledgeable partner by your side can make all the difference. Let's discuss your financial situation, explore current listings, and find the right strategy for you. Contact us today to unlock your real estate potential and start building your equity tomorrow! CALL TESS AT (626) 712-5156.

If you're thinking of selling your house this spring, now is the perfect time to start getting it ready. With the market gearing up for its busiest time of year, it'll be important to make sure your house shines bright among the competition. Here are some valuable tips you can use to get your house market-ready. Declutter and Organize First impressions matter, and if your house is a mess, that can easily turn off potential buyers. Before listing, take the time to declutter and organize each room. Decluttering is about more than just tidying up – it's about creating a sense of space and openness that allows potential buyers to envision themselves living in your home. According to Moving.com: “Decluttering and organizing your space will go a long way in appealing to potential buyers. . . .decluttering will help the buyers see themselves living in your home. Less clutter inside a home also helps a place appear larger and cleaner, which should attract more buyers.” Deep Clean Your Kitchen and Bathrooms The kitchen and bathrooms are focal points for many buyers, and often influence their overall opinion of the house. Ensure these spaces dazzle by giving them a thorough deep cleaning. Pay attention to details like scrubbing grout lines, polishing fixtures, and decluttering countertops. A sparkling kitchen and bathroom can leave a lasting positive impression on potential buyers. Maintain Your Yard Your home’s exterior is the first thing potential buyers see, so it’s important to make a good impression from the moment they arrive. A well-maintained yard not only enhances curb appeal, but also shows buyers the home has been well taken care of. Take the time to spruce up your yard by mowing the lawn, trimming bushes, and clearing away any debris or dead plants. Remember, the goal is to create a welcoming environment that entices buyers to step inside and imagine themselves living there. U.S. News says: “A beautifully landscaped front yard can elevate an ordinary house into a charming home and will help homes sell faster and for more money.” Find a Listing Agent A skilled listing agent is your partner in minimizing stress when selling your home. Lean on your agent for advice on decluttering, staging, and enhancing your home's appeal to potential buyers. Their insights into market trends and recommendations for reliable contractors and stagers are invaluable. As Realtor.com says: “A good listing agent will help you price your home . . . recommend a photographer and stager to make it look its best, and put your home on the multiple listing service.” Bottom Line By decluttering, deep cleaning, and tidying up your house, you can create a welcoming environment that resonates with buyers and increases your chances of a successful sale. Let’s connect on what you need to do to get your house ready to sell this Spring.

If one of the goals on your list is selling your house and making a move this year, you’re likely juggling a mix of excitement about what’s ahead and feeling a little sentimental about your current home. A great way to balance those emotions and make sure you’re confident in your decision is to keep these three best practices in mind when you’re ready to sell. 1. Price Your Home Right The housing market shifted in 2023 as mortgage rates rose and home price appreciation started to normalize once again. As a seller, you still need to recognize how important it is to price your house appropriately based on where the market is today. Hannah Jones, Economic Research Analyst for Realtor.com, explains: “Sellers need to become familiar with their local market and work closely with a local agent to make sure their listing is attractive to buyers. Buyers feeling the pressure of affordability are likely to be pickier, so a well-priced, well-maintained home is the ticket to drumming up big demand.” If you price your house too high, you run the risk of deterring buyers. And if you go too low, you’re leaving money on the table. An experienced real estate agent can help determine what your ideal asking price should be, so your house moves quickly and for top dollar. 2. Keep Your Emotions in Check Today, homeowners are staying in their houses longer than they used to. According to the National Association of Realtors (NAR), since 1985, the average time a homeowner has owned their home has increased from 6 to 10 years (see graph below): This is much more than what used to be the norm. The side effect, however, is when you stay in one place for so long, you may get even more emotionally attached to your space. If it’s the first home you bought or the house where your loved ones grew up, it very likely means something extra special to you. Every room has memories, and it’s hard to detach from the sentimental value. For some homeowners, that makes it even tougher to separate the emotional value of the house from fair market price. That’s why you need a real estate professional to help you with the negotiations and the best pricing strategy along the way. Trust the professionals who have your best interests in mind. 3. Stage Your Home Properly While you may love your decor and how you’ve customized your house over the years, not all buyers will feel the same way about your vibe. That’s why it’s so important to make sure you focus on your home’s first impression, so it appeals to as many buyers as possible. Buyers want to be able to picture themselves in the home. They need to see themselves inside with their furniture and keepsakes – not your pictures and decorations. As Jessica Lautz, Deputy Chief Economist and Vice President of Research at NAR, says: “Buyers want to easily envision themselves within a new home and home staging is a way to showcase the property in its best light.” A real estate professional can help you with expertise on getting your house ready to sell. Bottom Line If you’re considering selling your house, let’s connect so you have help navigating the process while prioritizing these must-do’s.