Top Long Beach Real Estate Team, Naples Island, Belmont Shore, Belmont Heights, Park Estates, Spinnaker Bay, The Peninsula homes For Sale

Long Beach Home for Sale, 4 Bedroom 2 Bath Family Home in Beautiful Neighborhood, College Park Estates Long Beach CA 90815, Century 21 Beachside

Thu, 29 Apr 2010 11:31:35 -0700

Long Beach Home for Sale, 4 Bedroom 2 Bath Family Home in Beautiful Neighborhood, College Park Estates, Century 21 Beachside Live In Long Beach! 4 Bedroom 2 Bath Family Home in Beautiful College Park Estates Neighborhood/Long Beach. Family Lifestyle at it's BEST. 5-10 minute drive to Beach, Bike to the beach, Belmont Shore, Down Town Long Beach, Naples Island, Pine Street, Shoreline Village, Queen Mary & The Pike with restaurants, shopping, night life, golf courses. This beautiful 4 Bedroom 2Bathroom Family Home in Long Beach is located in a very sought out College Park Estates. Long Beach with Award winning Blue Ribbon schools and right down the street from Cal State Long Beach. Perfect for your family! Long Beach Real Estate at it's best. Right down the street from movie theatres, Trader Joes, Whole Foods, Ralphs Market, Bevmo, retail shops & tons of restaurants!!! Visit Belmont Shore, Down Town Long Beach, Naples Island, Pine Street, Shoreline Village, Queen Mary & The Pike with restaurants, shopping, night life, golf courses. Long Beach Real Estate at it's BEST. Ricardo the Realtor will help you find the home of your dreams. Whether you want to live in a downtown hi-rise/loft, on the beach or on the water in Naples Island, Ricardo the Realtor can make it happen for you. If you have any questions about your current or future housing goals, please call me. I can help you. I specialize in Long Beach Real Estate having lived here for the past 12 years I am very aware of Long Beach's unique communities. Long Beach Real Estate at it's best. Ricardo the Realtor Century 21 Beachside 562-533-4003 Direct 562-430-2121 Ext. 28 RicardoTheRealtor@Century21.com Live In Long Beach! - Alamitos Beach, Alamitos Heights, Belmont Heights, Belmont Park, Belmont Shore, Bluff Park, Bixby Knolls, College Park Estates, Country Club Manor, Downtown Long Beach, Los Cerritos, Naples Island, Park Estates, The Peninsula... Ricardo The Realtor = Long Beach Real Estate at it's best. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Long Beach Condo 2 Bedroom 2 Bath Executive Hi-Rise Condo in Long Beach, CA 90802

Mon, 26 Apr 2010 08:42:42 -0700

Long Beach Condo 2 Bedroom 2 Bath Executive Hi-Rise Condo w/ Huge BalconyLive In Long Beach!This 2 Bedroom 2 Bath Condo is perfect for busy working professionals! Executive Beach Lifestyle at it's BEST.Beach Lifestyle, bike or walk to the beach, Belmont Shore, Down Town Long Beach, Naples Island, Pine Street, Shoreline Village, Queen Mary & The Pike with restaurants, shopping, night life, golf courses.This beautiful 2 Bedroom 2Bathroom Condo in Long Beach is located in a very sought out High Rise on the 9th floor. Long Beach with Award winning Blue Ribbon schools. Pets are OK. 24/7 Concierge, pool, spa, sauna, gym, HOA kitchen, media room, meeting rooms, BBQ's, Wine room & Lounge. Long Beach Real Estate at it's best. From this 2 Bedroom 2 Bath Executive Hi-Rise Condo it is a 10 minute walk to The Pike & Downtown Long Beach. Visit Belmont Shore, Down Town Long Beach, Naples Island, Pine Street, Shoreline Village, Queen Mary & The Pike with restaurants, shopping, night life, golf courses. Long Beach Real Estate at it's BEST. Ricardo the Realtor will help you find the home of your dreams. Whether you want to live in a downtown hi-rise/loft, on the beach or on the water in Naples Island, Ricardo the Realtor can make it happen for you. If you have any questions about your current or future housing goals, please call me. I can help you. I specialize in Long Beach Real Estate having lived here for the past 12 years I am very aware of Long Beach's unique communities. Long Beach Real Estate at it's best.Ricardo the RealtorCentury 21 Beachside 562-533-4003 Direct562-430-2121 Ext. 28RicardoTheRealtor@Century21.comLive In Long Beach! - Alamitos Beach, Alamitos Heights, Belmont Heights, Belmont Park, Belmont Shore, Bluff Park, Bixby Knolls, College Park Estates, Country Club Manor, Downtown Long Beach, Los Cerritos, Naples Island, Park Estates, The Peninsula... Ricardo The Realtor = Long Beach Real Estate at it's best. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

2 Bedroom 1 Bathroom Turn Key Home in Long Beach, CA 90803

Thu, 22 Apr 2010 12:52:04 -0700

2 Bedroom 1Bathroom Turn Key Home in Long BeachLive In Belmont HeightsThis 2 Bedroom 1 Bath Home is perfect for busy working professionals because it has very low maintenance inside and outside. Beach Lifestyle, walk to the beach and Belmont Shore, Long Beach with restaurants, shopping, 2 local golf courses.This beautiful 2 Bedroom 1Bathroom Turn Key Home is located in the very sought out Belmont Heights, Long Beach with Award winning Blue Ribbon schools. This Belmont Heights home has 2 bedrooms with custom closets, 1 bathroom with custom tile. Separate office or workout area. Visit Belmont Heights, Long Beach and you will really like it, live here and you will fall in love with this community. Long Beach Real Estate at it's best. Ricardo the Realtor will help you find the home of your dreams. Whether you want to live in a downtown hi-rise/loft, on the beach or on the water in Naples Island, Ricardo the Realtor can make it happen for you. Long Beach Real Estate at it's best. If you have any questions about your current or future housing goals, please call me. I can help you. I specialize in Long Beach Real Estate having lived here for the past 12 years I am very aware of Long Beach's unique communities. Long Beach Real Estate at it's best.Ricardo the RealtorCentury 21 Beachside 562-533-4003 Direct562-430-2121 Ext. 28RicardoTheRealtor@Century21.comLive In Long Beach! - Alamitos Beach, Alamitos Heights, Belmont Heights, Belmont Park, Belmont Shore, Bluff Park, Bixby Knolls, College Park Estates, Country Club Manor, Downtown Long Beach, Los Cerritos, Naples Island, Park Estates, The Peninsula... Long Beach Real Estate at it's best. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

"If you bought a house in 2009 hoping for one of two housing-related credits, get ready to file a Form 5405"...

Tue, 13 Apr 2010 07:55:36 -0700

http://rismedia.com/2010-04-10/first-time-and-move-up-tax-credits-require-paper-trail-when-filing-taxes/ Happy Reading... Ricardo the Realtor "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Interest rates are likely to remain low into 2011!

Fri, 09 Apr 2010 09:03:51 -0700

Daily Real Estate News April 9, 2010 | Share Fed: Low Rates Likely Through 2010 Interest rates are likely to remain low into 2011, Federal Reserve policymakers hinted this week in at least two presentations. These indications came one week after the Fed shut down its program to buy mortgage-backed securities, which had kept rates at or near record lows in recent months. In a speech Thursday, Fed Governor Daniel Tarullo said, "The relatively modest pace of recovery, the continued high rate of unemployment, subdued inflation trends, and well-anchored inflation expectations together suggest that the need for highly accommodative monetary policies will not diminish soon."Likewise, Donald Kohn, Fed vice chairman in a speech in San Francisco, said the Fed would raise rates, "in due course," but he also noted that low rates "help offset the lingering restraining effects on economic activity and prices."So far, rates have risen modestly, but analysts speculate they will likely become much more volatile down the road. "It's an uncertain type of market," says Keith Gumbinger of HSH.com.Michael Fratantoni, vice president of research and economics for the Mortgage Bankers Association, predicts that the Fed will have created a situation where there are days or weeks of low-rate opportunities, and other days and weeks when rates rise significantly.Sources: The Wall Street Journal, Nick Timiraos (04/08/2010), and The Wall Street Journal, Jon Hilsenrath (04/09/2010) "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Interesting FHA updates...

Tue, 30 Mar 2010 13:24:22 -0700

•- FHA still allows loan amounts up to $755,000. Don't be afraid to take FHA offers, qualification in some cases are more lenient than conventional guidelines •- FHA has a strong proposal on the table to increase the minimum down payment from 3.5% to 5%. •- Effective April 5th 2010. FHA is raising Mortgage insurance premium to 2.25%. •- Effective March 17th- Bank of America will now allow business funds from corporations to be used for down payment and closing costs. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Bank of America to REDUCE Mortgage Principal!!!

Thu, 25 Mar 2010 10:51:43 -0700

With over 1 Million home mortgages this BofA news may change your financial life!!! READ MORE... click here! Good Luck!!! Ricardo The Realtor "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Update: What are the Top 10 worst housing markets in the USA?

Wed, 24 Mar 2010 18:08:34 -0700

1. Las Vegas, Nevada: Home prices dropped from 2006 to 2009 more than 56%...according to Moody's Economy.com . More than 81% of single-family home mortgages in Las Vegas had negative equity in the fourth quarter of 2009, according to Zillow. It may take more than 20 years for the prices to get back to where they were in the peak. 2. Merced, California: As real estate became increasingly unaffordable in the bigger cities like San Francisco, many would-be homebuyers started exploring options in smaller markets, such as Merced. This trend increased real estate demand in Merced, prices appreciated even faster as exotic mortgage products and investor interest hit the market. Area home prices jumped nearly 129% from 2002 to 2006. 3. Phoenix, Arizona: Home prices in Phoenix jumped more than 101% from 2002 to their 2006 peaks.Home prices dropped more than 52% from their peaks through the third quarter of 2009. And as of the fourth quarter of last year, nearly 62% of single-family home mortgages were underwater, according to Zillow. 4.Orlando, Florida: Easy credit to home buyers and the demand helped send home prices surging by more than 102% from 2002 to the market's peak in 2006. The nearly 48% drop from the peak through the third quarter of 2009 has pulled 58% of single-family home mortgages in Orlando underwater, according to Zillow. 5:Greeley, Colorado: With 45% of single-family mortgages underwater, the Greeley, Colo., market has among the higher concentrations of negative equity in the nation. Many of these buyers began falling behind on their payments, area foreclosures surged, and home prices fell about 15% through the third quarter of 2009. 6. Bend, Oregon: From the years of 2002 to 2007, the prices of homes in the city of Bend leaped by 99%, as second-home buyers and retirees were drawn to this community. It seems that initial phase of the downturn was triggered by evaporating demand from second-home buyers. Then unemployment rose and a large number of home owners were not able to make their house payments. As of the fourth quarter of last year, roughly 41% of single-family home mortgages were underwater, according to Zillow. 7. Minneapolis-St. Paul: Real-estate values increased nearly 34% from 2002 to 2006. The president of the Minneapolis Area Association of Realtors, says subprime lending played a key role. 8. Memphis, TN: Even though the prices of homes did not increase as much as others in the boom, there were pockets of SubPrime mortgages that created a high concentration of negative equity. 9. Cleveland, OH: The prices of homes increased by 13% from 2002 until 2006 and were followed by a 16% decrease through the 3rd quarter in 2009. Subprime lending exposure has also played a role in the real-estate market's decline in this city. Roughly 32% of single-family home mortgages were underwater as of the fourth quarter of last year, according to Zillow. 10. Grand Rapids, Michigan: The values of real estate in this city increased 15% from 2002 to 2005 and then fell about 13% through the third quarter of last year. As of the fourth quarter of 2009, roughly 29% of single-family home mortgages were underwater, according to Zillow. The declining economy has also been linked to the weakness of the housing market. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Your Dream Home has been located... Ready to make an offer???

Wed, 10 Mar 2010 14:17:54 -0800

So you have been out there looking at homes... You have found your DREAM home. You do not want to miss out on the $Tax Credit$... You do not want to lose this perfect house right??? Now what is next??? It's time to get started with the financial and contractual side of the purchase . Let Ricardo the REALTOR, CENTURY 21® professional guide you through this process. Purchase contracts vary in length and terms from state to state, and within a state, from locality to locality. Because you and the seller have different goals, rely on your CENTURY 21 agent's experience and expertise. He can bring order and calm to the process and will know what questions you may not know to ask to help you reach a favorable outcome. Multiple offers on the same home are not uncommon, so you may only get one chance to make an offer that the seller will consider. That's why it's important to think carefully about your strategy. In most cases it is better to have your real estate professional negotiate the offer. If you have any personal interaction with the homeowner, don't give out any information about your move, your current housing status, financial status or your feelings about their property - positive or negative. This could hurt you in future negotiations.Please contact me with any questions or concerns regarding any of your Real Estate transactions. I can help you. Sincerely,Ricardo "The REALTOR" Perdomo562.533.4003www.RicardoTheRealtor.com "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

What can you afford?

Sun, 28 Feb 2010 14:15:24 -0800

Now that you know what you're looking for, the next step is figuring out what you can afford. A review of your income, savings, monthly expenses, and debt will be necessary. Early on in the process, you'll want to get pre-qualified for a mortgage loan, which helps determine how much you can afford. It enables you to move swiftly when you find the right home, especially when there are other interested buyers. It also indicates to the seller that you are serious and can afford to buy the property. A pre-approval is a simple calculation done by a mortgage lender that tells you the amount you'll be able to finance through a loan and what your monthly payment will be. When you find a home to buy, a pre-approval also reassures the seller that you have the financial means to purchase his or her home. Know what you can afford is the first rule of home buying, and that depends on how much income and how much debt you have. It pays to check with several lenders before you start searching for a home. The price you can afford to pay for a home will depend on several factors, such as: gross income the funds you have available for the down payment, closing costs and cash reserves required by the lender your debt your credit history the type of mortgage you select current interest rates that are available. Every Loan is different, with so many changes happening out there in the lending market you really need to speak to someone who is well versed in that field. Please call me so that I can help you and put you in contact with mortgage professionals. www.RicardotheRealtor.comI have worked with and highly recommend:Marisol NavarMortgage Loan Officer-Habla EspanolAmerican Capital Investment Group562-688-2856mnavar@aciginc.comSteve HagemanMortgage Loan OfficerBank of America562-626-8718steve.hageman@bankofamerica.com "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Understanding the Basics of Mortgage Lending...

Sun, 21 Feb 2010 10:26:00 -0800

Southern California Real Estate Agent If you are thinking of buying or selling Real Estate in Southern California, work with a Realtor who knows the best neighborhoods in Los Angeles & Orange County. Beach, water front and golf communities. Call me today: 562.533.4003 & visit www.RicardoTheRealtor.com Open a newspaper and you're likely to see an advertisement for a lender announcing their mortgage terms and rates. Sometimes the ad will include both the interest rate and the Annual Percentage Rate or APR. You may wonder, "What's the difference?"The interest rate is the percentage of the loan amount the lender is charging you to borrow the money. It does not include other, less obvious, charges like interest and fees. The Federal Truth in Lending Law requires all banks and lenders to also advertise the Annual Percentage Rate because it is a more accurate reflection of the cost of the loan. The APR incorporates other costs and calculates them as a yearly percentage of the loan amount. When shopping for a mortgage it is the APR that allows you to more easily compare and contrast loans. It is designed to standardized the components and allow for an apples to apples comparison. The following fees are generally included in the APR calculation: · Points - This covers both discount and origination points. Origination points are fees charged to cover some of the cost of providing the loan. Discount points are pre-paid interest that can be used to "buy" a lower interest rate. · Loan Processing Fees - A charge made by the lender for accepting the loan application and gathering the necessary documentation. · Private Mortgage Insurance (PMI) - This additional insurance is typically required by lenders for customers who provide less than a 20 percent down payment. · Administration or Underwriting Fee - The cost for assessing the risk involved in lending to you. This includes the review of your credit, employment history, debt and other factors.. • Prepaid Interest - Different from a discount point, this is interest paid at the closing that covers from the day the loan commences to the date of your first mortgage payment. "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601

Looking for a home? Things you should consider...

Sat, 20 Feb 2010 10:09:19 -0800

Before deciding which house to buy, think about your lifestyle, your current and anticipated housing needs, and your budget. It's a good idea to create a prioritized list of features you want in your next home - you'll soon discover finding the right house involves striking a balance between your "must-haves" and your "nice-to-haves." To start, consider your lifestyle. If you love to cook, you'll want a well-equipped kitchen. If you're into gardening, you'll want a yard. If you're planning your office at home, you may want a room for a separate library or work space. If you have several cars, you may require a larger garage. Use this list as your search guide. Next, think about what you might need in the future. As you consider your housing needs, it's important to consider how long you may live in your home. If you're newly married, you might not be concerned with a school district right now, but you could be in a few years. If you have aging parents, you may want to look at homes that offer living arrangements for them as well as you. It's important to think about your new home's location just as carefully as you do about a house's features. Location is a huge part of any move. In addition to considering the distance to work, you need to evaluate the availability of shopping, police and fire protection, medical facilities, school and day-care, traffic and parking, trash and garbage collection, even recreational facilities. Perhaps the most important decision is deciding on the type of home you want. Do you want a condominium or a co-op? A town house or a detached single-family home? Do you want brick, stone, stucco, wood, vinyl siding, or something else? Do you prefer a new home or an older one? Through all of this, make sure to talk to your real estate professional about where you want to live. While more buyers now use the Internet to gain access to listings, or available properties for sale, it is still a good idea to use me as your agent. The agent brings value to the entire process: he is available to analyze data, answer questions, share their professional expertise, and handle all the paperwork and legwork that is involved in the real estate transaction. CENTURY 21 Beachside and Ricardo Perdomo has the expertise to help their clients narrow down their choices by sharing market trends and local information. Call me (562-533-4003)with any questions you may have. I am here to help you, have a great day. www.RicardotheRealtor.com "Ricardo The Realtor" Keller Williams Realty Real Estate Agent (01847698) Direct Phone: 562-533-4003 Office Phone: 562-626-8620 | Fax:562-626-8601