Home Equity

As a Notary Signing Agent you are expose to refinance loans, buyer and seller packages, reverse mortgages, HELOCs, Home Equity Line of Credit; now, what is Home Equity?
Home Equity: Current market value minus liens.
Liens: Is a claim on a residential property for the homeowner's unpaid bills like a mortgage. A lien is a legal document filed through the office of the recorder or court clerk in your county of residence.

As Mr Johnson explains:  Your home equity is an asset that indicates how much of your home has been paid off and is fully owned by you. If you purchased your home outright with cash, lucky you; your equity is simply the total amount of your home’s appraised value. However, most homebuyers have to finance real estate purchases with a mortgage.

In this case, your home equity is simply the market value of your home minus the current balance of your mortgage. Your first stake of equity in your home is your down payment, and your equity increases as you pay down your mortgage loan and/or as your home’s value appreciates.

So you can use that home equity by getting a second mortgage, HELOC or buying a new home.

Want to know the value of your home?
Ask Rick Johnson or watch his short video.

Mortgage Broker/Real Estate Agent/Solution Expert

Village Financial Group, Inc.

​916-367-3738

rick@rj4loans.com

​http://www.RJ4Loans.com

NMLS#360614 CaBRE#01711076

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Sergio Musetti Notary Public, Apostille, Spanish Translation, Servicio de Apostilla en California

Galt Real Estate with Martha Corona.

I had the pleasure to meet Martha Corona, Realtor in Galt, California.  She is working for Remax and you can find her listings here or do a property search; she is proficient in English and Spanish.





Her business card:

You can find the market trends per area, for example, in February so far, Elk Grove shows a median list price of $329,000 with an increased inventory to 310 compared with only 150 a year ago. See the changes since April 2013 in the graphic trends.

Tips for buyers.  Choosing a Realtor®

Of all the decisions you'll face when buying a home, there's none more important than the person you choose to represent you.

The job of your Sales Associate is to support you in finding the right home with the best possible terms, and to aid you through the entire process. Your Sales Associate will explain the process of buying a home, and familiarize you with the various activities, documents and procedures that you will experience throughout the transaction.

Tips For Selecting A Realtor®

Your Real Estate Professional should be:
Knowledgeable about the communities of interest to you.
Aware of the complicated local and state requirements affecting your transaction.
Effective in multi-party, face-to-face negotiations.
Highly-trained, with access to programs for continued learning and additional certifications.
Technology-focused.
Supported by professional legal counsel.

Searching for Galt real estate has never been easier. Find Galt, CA homes for sale online and save yourself a lot of wasted time. It's easy to get information on home size, property price and number of bedrooms almost instantly, but you can also get detailed neighborhood information when you use the Galt search listings at realtor.com®. Find out where the local schools are and how many people live in the neighborhood. Even find out information about the current state of the market in the area. With all the information you have access to, finding your new property will be a snap. More on the process to qualify for a loan to closing escrow and moving in.

Si busca a un agente de bienes raices para vender o buscar su proxima casa, llame a Martha o mandele un mensaje.

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Sergio Musetti 

Arden-Arcade Certified Active Notary Public Signing Agent, NNA 

Loan Signings. # 15289000 Coverage: Sacramento, Yolo, Placer, El Dorado Counties.

California Notary Commission # 1931913 Exp 05/06/2015

FHA, Conventional, Reverse Mortgages, VA, HELOCs. CAMNN

Sacramento Secretary of State Apostille Service in California

Other spoken languages: Spanish, Italian. Servicio de Apostilla en California, traduccion espanol ingles.

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