Santa Clarita Real Estate Insider

Before You Cash Out Your 401(k) to Buy a Home, Read This

Should you borrow from your 401(k) to buy a house? Is a 401(k) loan better than a 401(k) withdrawal? Can you use your 401(k) for a down payment without creating a huge tax bill? These are questions more homebuyers should be asking before they move money out of their retirement account.I speak wit...

Buying a Home for Your Parents? There May Be a Better Way!

Buying a Home for Your Parents? There May Be a Better Way! Have you ever thought:“My parents are retired and can’t qualify for a mortgage on their own, but I could afford to buy them a small home or condo.”You may have more options than you realize.A financing strategy commonly known as the Famil...

The Fed Raised Rates—Should Homebuyers Panic? Not So Fast.

The Fed Raised Rates—Should Homebuyers Panic? Not So Fast. Every time the Federal Reserve raises interest rates, the headlines start flying:“Rates are going up!”“Housing is going to slow down!”“Buyers won’t be able to afford a home!”And understandably, buyers and sellers get nervous. But before y...

Is Your Home in a Living Trust? Why California Homeowners Should Pay Attention

Is Your Home in a Living Trust? Why California Homeowners Should Pay AttentionIf you own a home in California, especially in an area like Santa Clarita or Los Angeles County where property values can easily reach $1 million or more, there is something important you should think about:What happens...

Why Are Prices Still Going Up?

Why Are Home Prices Still Going Up? If you have been waiting for home prices to suddenly drop because there are more homes for sale, the latest numbers are a good reminder that the real estate market is rarely that simple. According to new Homes.com data, the median U.S. home sale price reached $...

You Have a Will… But Will Your Family Still Have to Go Through Probate?

🏡 You Have a Will… But Is Your Home Really Protected? Many homeowners assume that having a will means their family will avoid probate. Unfortunately, that isn't necessarily the case.A will only takes effect after you pass away, and assets subject to probate may still have to go through the court...

🏡 Before You Lower the Price, Try This Instead

Have you ever thought that getting $20,000 off the price of a home must be better than getting a $20,000 seller credit? Not necessarily. Sometimes, using a seller credit to help buy down the buyer’s mortgage interest rate can have a much bigger impact on the monthly payment. For example, let’s sa...

Real Estate Fraud Is Getting Smarter: Protect Your Money

Real Estate Fraud Is Getting Smarter: Protect Your MoneyBuying or selling a home involves large amounts of money, and unfortunately, scammers know it. Artificial intelligence has made real estate fraud much more sophisticated. Criminals can now create convincing emails, fake phone numbers, and ev...

What If Today’s Mortgage Rates Are the New Normal?

Waiting for the Perfect Real Estate Market? You May Be Waiting a Long Time. If you had asked me a month ago what I thought about the real estate market, I would have said it was challenging, but I was still hopeful we would see mortgage rates come down. Lately, though, I’m hearing something diffe...

Should You Borrow From Your 401(k) to Buy a House? Pros & Cons

Should You Borrow From Your 401(k) to Buy a House? Pros & ConsI see this all the time.A buyer finds the house they really want, but they need more money for the down payment. They have some savings…and then they remember the money sitting in their 401(k). The next question is usually:“Should I us...

Should I Buy a House Now or Wait for Mortgage Rates to Go Down?

Should I Buy a House Now or Wait for Mortgage Rates to Go Down? If you’re thinking about buying or selling a home in 2026, you’re probably asking the same questions I hear every day:Should I buy a house now or wait? Will mortgage rates go down in 2026 or 2027? Will home prices drop if interest ra...

No U.S. Credit or Income? You May Still Qualify to Buy U.S. Investment Property

How Can a Foreign Buyer Get a Mortgage to Buy Investment Property in the U.S.? Did you know you do not have to be a U.S. citizen to finance an investment property in the United States? Foreign National mortgage programs are designed for people who live and earn their income outside the United Sta...

Should I Sell My House If I Have a 3% Mortgage? | Santa Clarita

Should I Sell My House If I Have a 3% Mortgage? If you own a home in Santa Clarita, Valencia, Saugus, Stevenson Ranch, Newhall or Canyon Country, you may be asking:“Should I sell my house and buy a bigger home if I have a 3% mortgage?”It's one of the biggest concerns I hear from homeowners who wa...

Got the Down Payment but Not the Income? Read This

Have Money for a Down Payment, But No Traditional Income? One thing I have learned after many years in real estate: not every buyer fits neatly into the traditional mortgage box. Maybe you have excellent credit and money in the bank, but your income situation has recently changed. You may be betw...

Are We Headed for Another 2008 Housing Crash?

Are We Headed for Another 2008 Housing Crash?I hear this all the time:“I’m going to wait for the housing market to crash before I buy.”I understand why buyers feel that way. Home prices are high, interest rates have made monthly payments more expensive, and there is a lot of uncertainty about the...

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