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   Judaysia Walsh Real Estate Agent dre02180921 Americans will be able to leverage their rent payments to qualify for a mortgage under a new order from Federal Housing Finance Agency Director Bill Pulte. Pulte, who heads the primary U.S. housing regulator that oversees Fannie Mae and Freddie Mac, posted on X on Tuesday that "credit history will no longer just include credit cards and loans."  In recent weeks, the housing regulator has been slowly expanding ways that Americans will be able to qualify for a mortgage, even directing Fannie Mae and Freddie Mac last month to consider cryptocurrency as an asset for single-family mortgage loan risk assessments. Pulte ordered the government-sponsored enterprises, which play a critical role in the home financing industry, to "prepare their businesses to count cryptocurrency as an asset for a mortgage."  Previously, home buyers' credit was based solely on FICO scores, which did not consider rent payments. Now, Re...

 

When you are searching for the right home, consider looking at properties in gated communities if you value privacy and security. A gated community is a highly secure residential neighborhood that’s enclosed by fences or walls. It may also have controlled entrances that can only be accessed by traveling through a gate. Getting into the community is possible via a camera, security guard, or keypad. The purpose of a gated community is to ensure residents receive a level of security and privacy that isn’t available in standard neighborhoods and suburbs. Most entrances into gated communities are monitored or guarded, which means that access is restricted for non-residents.Many prospective homeowners consider gated communities because they allow for a more relaxed and peaceful lifestyle. 

  What Is Appraisal Contingency: A Key to Protecting Your Home Purchase An appraisal contingency is a clause in a real estate contract that protects buyers by allowing them to back out of the deal if the home appraises for less than the agreed-upon purchase price. Essentially, it’s a safeguard that ensures buyers don’t overpay for a property while reassuring lenders that the home’s value justifies the loan amount. When you purchase a home, especially with a mortgage, the lender requires an independent third-party appraisal to assess the home’s market value. This appraisal helps determine how much the lender is willing to lend. If the appraisal comes back lower than the sale price, the lender may only approve a loan for the appraised value, leaving the buyer responsible for covering the difference out-of-pocket. With an appraisal contingency in place, the buyer has several options if the appraisal is lower than the purchase price. They can renegotiate the price with the sel...

                                  Just Listed Owner Will Carry  Pine Mountain Club- Views, Views Views. Spectacular views. We just listed this 3 bedroom 2 bath home. 1,889 sq.ft. home on a 10,244 sq.ft. lot.  Open concept home with central heating and air conditioning.  Close to club house with many amenities. Great family home or short term,rental. $485,000 Motivated seller. Call me 818-880-4630. JD Walsh 02180921 Estate Agent Thinking of Selling.  At Wonderland Luxury Real Estate we excel in servicing high end properties, but we are also local area specialists with a lot of knowledge of the surrounding communities. Our in-depth knowledge of the local market allows us to understand the property values and trends in order to aggressively negotiate the best values for our clients. Relocation Specialist Full Service...

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