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How To Pay Down Your Mortgage Faster

(08/10/17) Did you know that if you were to pay an extra $100 per month, you’d pay off your mortgage 6 years sooner and save almost $30,000…

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Why Buy Now?

(12/20/16) Interest rates have been increasing since late November 2016. They are projected to continue to rise through 2017. What does this mean for you, Mr Buyer? It means…

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Homebuyer Safety Tip: GFCI Outlets [VIDEO]

(12/13/16) Now’s a great time to test your Ground-fault circuit interrupter (GFCI) outlets. You’ll find them around wet areas, such as bathrooms, kitchens, and outdoor. Make sure…

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Homebuyer Tip: Ways to Improve Credit Score #5

(08/30/16) BECOME AN AUTHORIZED USER: Being an “authorized user” means someone…

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negotiate with creditors

Homebuyer Tip: Ways to Improve Credit Score #4

(08/26/16) NEGOTIATE WITH CREDITORS: So you were late or missed payments on a credit card…

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Homebuyer Tip: Ways to Improve Credit Score #3

(08/24/16) PAY BILLS ON TIME: One of the biggest items in a good credit score is simply…

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credit card balance

Homebuyer Tip: Ways to Improve Credit Score #2

(08/22/16) WATCH YOUR CREDIT CARD BALANCES: One of the items your score considers is much revolving…

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eliminate credit cards

Homebuyer Tip: Ways to Improve Credit Score #1

(08/20/16) ELIMINATE CREDIT CARD BALANCES! One of the items your score considers is just how many of your cards…

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Homebuyers: Understanding Closing Cost #6

(07/19/16) “WIRE TRANSFER” Fee. As a buyer, you may be asked to wire the closing cost (minus the earnest money) to the escrow…

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img_1278.jpgHomebuyers: Understanding Closing Cost #5

(07/18/16) “NOTARY” Fee. When signing loan documents, you need an authorized witness…

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img_1232-1.jpgHomebuyers: Understanding Closing Cost #4

(07/14/16) “CREDIT REPORT” Fee. Mortgage lenders usually review your credit report from all three credit bureaus and obtain scores…

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Homebuyers: Understanding Closing Cost #3

(07/13/16) “APPRAISAL” Fee. This fee is usually paid upfront. The appraisal determines the value of the home…

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Homebuyers: Understanding Closing Cost #2

(07/02/16) Non-recurring (one-time expense) Closing Cost: “ESCROW” Fees Typically, the buyer and seller split this fee 50/50. This is paid to the title/escrow company…

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title insuranceHomebuyers: Understanding Closing Cost #1

(07/01/16) One of your fees as a buyer is “TITLE POLICY”, a Non-recurring (one-time expense) Closing Cost. “Title Insurance” protects real estate owners and lenders against any property loss…

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sycamore videoBank Owned Trashout! Before & After [VIDEO]

(06/13/16) 406 Sycamore Ave, Modesto 95354. This bank owned had squatters who stripped the home & trashed it…

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smokealarmsHomeowners: Are Your Smoke Alarms Safe? [VIDEO]

(06/06/16) Most of us have ionization smoke alarms in our homes. In fact, 90% of the homes inspected…

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house prices risingHome Prices Rising in West Coast Cities

(12/08/15) The best U.S. cities for home price increases are located along the West Coast. Five high real estate values are located in California…

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realtor-com 2Buyer Tip: How Much Can You Afford? [VIDEO]

(07/28/15) Unless you have a boatload of cash, you are probably going to need financing. But how much can you afford? …

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buying home tip 13 Tips For 1st Time Homebuyers [VIDEO]

(07/11/15) Here are a few things you should think about before buying your first home. Featuring actress Elizabeth Banks. Learn what you …

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foreclosures13 of 20 Largest Metro Areas Post Annual Increases in Foreclosure Activity

(06/26/15) REOs increased on a year-over-year basis for the third consecutive month, and scheduled foreclosure auctions have increased on a year-over-year basis…

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zombie_forclosure_2014_01So Called “ZOMBIE” Foreclosures

(06/23/15) So-called “zombie” foreclosures have been known to lower property values of surrounding homes. But they also present…

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Credit Myth 1Credit Score Myths 1

(06/11/15) There are a lot of myths about credit & FICO scores. There is a lot of myths about what actually affects one’s credit scores…

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house short saleWhat is a Short Sale? [VIDEO]

(05/30/15) A Short Sale, is when you sell your home for less than the balance remaining on your mortgage. This video describes a short sale, courtesy of…

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bulk-reo-investingFannie Mae’s First Bulk Sale of NPLS

(04/09/15) Fannie Mae announced on Wednesday that it will make available for purchase to qualified bidders a bundle of approximately 3,200 non-performing single-family residential mortgage loans (NPLs)…

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prices risingReason To Buy Before Spring 2015

(02/24/15) Prices Will Continue to Rise! The Home Price Expectation Survey polls projects appreciation in home values over the next five years to be…

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cost of waitingThe Cost of Waiting A Year

(02/05/15) Prices are increasing and the interest rate is expected to increase. According to Forbes, the interest rate is predicted…

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low mortgage ratesNow’s the Time to BUY or Refinance a Home 

(01/13/15) Mortgage rates fell yet again, making 30-year loans at their lowest rate in almost two years. Mortgage company Freddie Mac said Thursday the nationwide average for…

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interest-ratesWhy should you buy now instead of waiting? 

(12/19/13) First, interest rates are still at historical lows but are poised to increase in 2014. Over the past year, mortgage interest rates increased by about one percentage…

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rent-vs-buyHouse Payment Cheaper Than Rent Payment 

(10/14/13) In today’s market; with historic low interest rates, it is actually cheaper to own real estate than paying rent. Take a $150,000 home, 3 bedroom…

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home-equityHome Prices Up 12.4% in July 2013 

(09/05/13) Real Estate home prices rose 12.4% year-over-year in July according to DSNEWS. 12.4% increase from July 2012 to July 2013. This is the 17th consecutive…

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house prices risingHighest Home Prices Since 2008 

(08/29/13) Home prices rose in June to their highest levels since 2008. According to DSNEWS, the median price of an existing single family residence rose…

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time to buyDon’t wait too long to buy 

(08/16/13) With interest rates at an all time record low, now is the time to buy! Interest rates are rising and so are prices. The bottom of the market is over.

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Time2BuyIt’s Time To Buy Real Estate

(08/07/13) Inventories are at historic lows. Home prices are skyrocketing. Two out of five home buyer applicants are…

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zombie foreclosureZombie Foreclosures 

(03/25/13) According to DSNews, although the housing market is improving, the foreclosure nightmare for some folks is not even close…

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Prices Will Continue to Fall in 2012 

(11/10/11) In the second quarter of 2011, single-family home prices fell 5.9 percent on an annual…

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More Than 1/5 of Mortgages Underwater: Report 

(09/15/11) Nearly 10.9 million, or 22.5 percent, of all residential mortgages had negative equity at the end of the second quarter…

 

WHY BUY WITH PONCIE & CAROL?

EXPERIENCE

  • PMZ Real Estate Top Producer 2015
  • LAR Masters Club (Central Valley Top Agents) 2009, 2010, 2011, 2012, 2013
  • Over 12 years of full-time real estate experience
  • Over 400 successful closed transactions: View my sold properties!
  • We specialize in Residential, Multiple Units and Investments
  • PMZ Real Estate dominates the region with over 30 real estate offices
  • We have more sales than any other real estate company in the Valley
  • We have Top Notch state of the art marketing

“We make your Real Estate experience easy and worry free.” EMAIL us today

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