Prime location in sought after neighborhood, Highland Park, positioned between Figueroa Street and York Blvd, a short walk to all of the cafes, shops, dives and restaurants. Fully remodeled California Bungalow, featuring 3 bed 2 bath with functional open floor plan, 2 car garage with additional workspace and a fully landscaped backyard with a kids play area and extensive entertaining space. Some of the major updates in 2015 include all new copper plumbing, new electrical system, new HVAC system and new master bathroom with walk in tiled shower. The kitchen details include African Mahogany wood countertops, all Samsung appliances (stove/oven, refrigerator and dishwasher). Solid blond oak woo
Fantastic Lake View Terrace/Sylmar Shadow Mountain Trails TOWNHOUSE! Nicely remodeled throughout – interior location. Three bedrooms, two and a half baths. Newer hardwood floors, formal living area with fireplace. The kitchen features plenty of countertop and storage space, and newer stainless steel appliances, leading to the dining area. A walk in laundry room and powder room round out the main level. All three bedrooms are upstairs, highlighted by a fantastic master bedroom suite with spa like full bath. Two generously sized bedrooms share another remodeled full bath. Oversized direct access garage with tons of storage. Well maintained HOA complex with pool, spa and horse stables availabl
Paying off credit card debt isn’t always straightforward, though. Focus on your highest-interest debt first (debt avalanche method), even if that means putting as little as $25 or $50 extra toward your payment each month. As your high-interest debt load shrinks, you can move onto lower-interest credit card debt, and you’ll likely accelerate your progress toward a $0 balance. With lower (or no) interest charges eating into your spending and saving power, you can then direct your dollars toward your down payment fund.
Nevertheless, scraping together a down payment is a tall order, especially for first-time homebuyers in expensive coastal markets. According to CoreLogic, the average home price in California’s Bay Area topped $700,000 in 2016 – and that figure includes relatively inexpensive bungalows in East Bay suburbs, as well as ultra-pricey row houses in San Francisco proper.
USDA Loans. If you’re buying a home in a rural or outer suburban area, you may qualify for a USDA loan, another type of federally insured loan designed to bring housing within reach for lower-income country-dwellers. Unlike FHA and VA loans, USDA loans are direct loans – they’re made by USDA itself. Use USDA’s property eligibility map to see if you qualify.
Oh, and did we mention the Los Angeles weather? With year-round high temperatures that rarely dip below 70 degrees Fahrenheit, it's safe to say that in LA, it's nearly always a great day for a trip to the beach. The only problem you'll have is choosing which beach to go to. Would you prefer the carnivalesque atmosphere of the Santa Monica pier? Or maybe you'd like to experience the vibrant local color of Venice beach? If you're feeling swanky, put on your best designer swimsuit and spend the day sunning on Manhattan Beach. The choice is yours. And speaking of choices, when it comes to real estate, Los Angeles homes for sale truly have it all. Whether you're seeking to purchase an affordable starter home in an up-and-coming neighborhood, an immaculately restored historical bungalow, a mid-century masterpiece or a chic, modern mansion, the city of LA has just what you're after. Not quite ready to buy? No problem. You'll also find plenty of apartments for rent in Los Angeles in our rentals section, ranging from affordable to opulent. Great places go fast in LA, though, so make sure you have your checkbook ready. The world-famous Los Angeles lifestyle is waiting for you.

Your credit reports are an ongoing record of how you've managed your finances. You should know exactly what they say about your financial history before you apply for a mortgage. These reports and your credit score play an important role in the loan approval process, and they also determine your interest rate and other loan terms that lenders will offer you.


You need to worry about common closing costs such as your home inspection, lender appraisal, and title insurance. Taken together, these expenses are nothing to sneeze at – depending on your situation, they can amount to anywhere from 3% to 6% of the total purchase price. In buyers’ markets, you might have luck convincing your seller to pay some closing costs, but that’s far from guaranteed.

Beautifully remodeled top floor unit in the heart of Tarzana. Updated kitchen with soft close cabinets, under-mount sink, and designer pull out faucet, stainless steel range, stainless steel dishwasher, and stainless steel microwave. Open floor plan. Master bedroom is spacious and bright. Quiet building with pool and controlled access. Unit has a private 1-car garage with storage. Located just minutes away from Pierce College, major restaurants, and shopping. Don’t miss this great opportunity!


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What’s even better than recurring savings account deposits? Automated savings account deposits that you don’t have to remember to execute each month. Most banks allow recurring savings transfers from internal or external checking accounts. Examine your budget and determine how much you can afford to save each pay period or month, and then make it happen, preferably on the same date (or the day after) you receive your paycheck or direct deposit. Again, consider a separate savings account just for your down payment fund. If you’re looking to open a new account, go with one of these bank account promotions so you can make the most of the opportunity.

The link between home down payments and interest rate aids lenders in calculating what mortgage industry professionals call the "loan-to-value" (LTV) ratio of the home. Loan-to-value, along with the debt-to-income ratio (i.e., the amount of money you owe weighed against the amount of income you earn) and your credit score are the primary factors a mortgage lender considers when making a home loan.

Putting off buying a home for many years to save a large down payment can be a mistake. While you’re saving your down payment, the price of that house is probably going up. While home price appreciation is not guaranteed, real estate in the U.S. has historically increased by about 4 percent per year, according to Black Knight). In 12 years, a house costing $200,000 today may be priced at over $300,000.
In turn, the lender will use this info to decide whether or not to loan you money, as well as how much and at what interest rate. If a lender sees some late payments on your credit cards or other blemishes in your credit report, this can lower your odds of getting a loan with a great interest rate, or perhaps even jeopardize your chances of getting any loan at all.
Buying a home isn't as difficult as you might think, even if you're short on funds, but the process will go a lot more smoothly if you're familiar with your real estate market. Narrow down your wants and needs before you start looking at houses, and differentiate between the two. You have some wiggle room with wants, but not so much with your needs.
Personal Capital has quickly become one of the most popular tools to manage your budget and overall finances. In addition to having a very detailed budget platform with the ability to break everything down by categories, Personal Capital also gives you the tools to track your net worth. Want even more? You can analyze your investment portfolio for fees and to make sure you stay diversified.

It’s important to ensure you’re not depleting (or neglecting to fund) your retirement savings account or your emergency fund to buy a home. Doing so could put you at a disadvantage to retire comfortably later on. Draining your emergency fund isn’t ideal because you might need to make costly repairs after moving in or run into a financial hardship, and you won’t have a cushion to fall back on.


Per new Corona virus law- no Private showings- VIRTUAL TOUR AVAILABLE. Newly renovated and ready for immediate move-in, this lovely 1 bed, 1 bath condo has everything you need in an amazing Brentwood location. Featuring bamboo floors throughout, a balcony that is accessible from the living room, in-unit hook up for washer/dryer, granite counter tops, stainless steel appliances and travertine tile in the kitchen. The building is fully equipped with a heated pool, GYM, sauna, video intercom system, and gated garage with an assigned parking spot. Close to the best shops and restaurants, this home is not to be missed!

Prime location in sought after neighborhood, Highland Park, positioned between Figueroa Street and York Blvd, a short walk to all of the cafes, shops, dives and restaurants. Fully remodeled California Bungalow, featuring 3 bed 2 bath with functional open floor plan, 2 car garage with additional workspace and a fully landscaped backyard with a kids play area and extensive entertaining space. Some of the major updates in 2015 include all new copper plumbing, new electrical system, new HVAC system and new master bathroom with walk in tiled shower. The kitchen details include African Mahogany wood countertops, all Samsung appliances (stove/oven, refrigerator and dishwasher). Solid blond oak woo
Beautifully-maintained LIGHT & BRIGHT Contemporary-style Condo right in the heart of coveted Brentwood. Enjoy the spacious, open Living Room w/ high ceilings & a cozy fireplace. The remodeled Kitchen opens to the Living Room & is equipped w/ stainless steel appliances & granite countertops. Features engineered hardwood floors throughout, recessed lighting, new lighting fixtures, crown molding, central A/C, in-unit laundry w/ new front-loading washer/dryer, double pane windows & a guest bath. Recently remodeled Bathrooms include Quartz countertops & sleek floor tiles. Provides the most ideal layout w/ both ensuite Bedrooms at opposite ends of the unit. Boasts THREE Northwest-facing balconies
Typically, you have to put between 3 and 20 percent of your home’s sale price down in cash to qualify for a conventional loan (30-year fixed mortgage), but there are exceptions. If you meet eligibility guidelines, you might qualify for a home loan with a zero-down payment through Veterans Affairs (VA loans) or the Department of Agriculture (USDA loan) programs.
Personal Capital has quickly become one of the most popular tools to manage your budget and overall finances. In addition to having a very detailed budget platform with the ability to break everything down by categories, Personal Capital also gives you the tools to track your net worth. Want even more? You can analyze your investment portfolio for fees and to make sure you stay diversified.
Fantastic Lake View Terrace/Sylmar Shadow Mountain Trails TOWNHOUSE! Nicely remodeled throughout – interior location. Three bedrooms, two and a half baths. Newer hardwood floors, formal living area with fireplace. The kitchen features plenty of countertop and storage space, and newer stainless steel appliances, leading to the dining area. A walk in laundry room and powder room round out the main level. All three bedrooms are upstairs, highlighted by a fantastic master bedroom suite with spa like full bath. Two generously sized bedrooms share another remodeled full bath. Oversized direct access garage with tons of storage. Well maintained HOA complex with pool, spa and horse stables availabl
Paying off credit card debt isn’t always straightforward, though. Focus on your highest-interest debt first (debt avalanche method), even if that means putting as little as $25 or $50 extra toward your payment each month. As your high-interest debt load shrinks, you can move onto lower-interest credit card debt, and you’ll likely accelerate your progress toward a $0 balance. With lower (or no) interest charges eating into your spending and saving power, you can then direct your dollars toward your down payment fund.
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