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Unlock smart refinancing tips with a trusted mortgage lender in Roseville, CA. Big Valley Mortgage helps you save more with expert refinancing guidance.

See the top reasons to own a home, shared by a trusted mortgage lender in Roseville, CA, Big Valley Mortgage. Contact them today!

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Real estate markets ebb and flow just like the seasons. The spring market starts hopping when the sun comes out, flowers bloom and winter is over. Conversely, fall signals the beginning of a slower market, which could be good for buyers. If you’re in the market for a home, here are some reasons why fall can be a great time to buy. Leftover spring inventory may result in deals Home sellers tend to go on the market for the first time in the spring. They often list their homes too high out of the gate, which could mean that a series of price reductions follow during the spring and the summer months. These sellers have fewer chances to capture buyers after Labor Day. By October, buyers are likely to find desperate sellers and prices that may, in fact, be below a home’s true market value. Fewer buyers are competing Families who want to be in a new home by the beginning of the school season are no longer shopping at this point. These families have exited the market, which means less competition. That translates into more opportunities for buyers. Taking out an entire segment of the housing market provides millennial, single, and baby boomer buyers some breathing room. You’ll likely notice fewer buyers at open houses, which could signal a great opportunity to make an offer. Motivated sellers want to close by the end of the year While a home is where an owner lives and makes memories, it is also an investment — and one with tax consequences. A home seller may want to take advantage of a gain or loss during this tax year. Buyers might find homeowners looking to make deals so they can close before December 31st and get that tax benefit. Ask why the seller is selling, and look for listings that offer incentives to close before the end of the year. Homes for sale near the holidays signal a motivated seller As the holidays approach, the last thing a homeowner wants is for their sale to be dragging on and interrupting their parties and events. If a home has not sold by November, and it’s still sitting on the market, that homeowner is likely motivated to be done with the disruptions caused by their home being listed for sale. Many homes don’t show as well once the landscaping fades The best time to do a property inspection is in the rain and snow, because the home will be truly exposed for buyers. The same holds true for fall, when flowers die, trees start to shed their leaves, and beautiful landscapes are no longer so lovely.  Scratching the surface of the pretty spring home season and fall reveals home flaws, making it a great time to see each home’s true colors. It’s better to see the home’s flaws before making the offer, instead of being surprised months after you close.

Maybe it’s spotting a “for sale” sign on that funky cottage you’ve always admired on your morning bike ride. Or a friend raves about the perks and privacy at the chic new condo she’s just purchased. Maybe you’re tired of roommates or just want to tend your own garden.

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The single greatest purchase you’ll ever make is likely going to be your home. The only other purchase or debt that’s comparable is probably your student loans. Buying your first home is a mix of extreme excitement and stress. The single greatest sticking point in buying a home is whether you’re going to be approved for a mortgage. It’s such an important factor that almost all home purchase contracts have a “hold harmless clause” in the contingency, where you fail to be approved for a mortgage in good faith. This means that you’ll have your deposit or good faith money returned. It’s a common misconception that a “preapproval” is going to guarantee an approved mortgage or a mortgage rate. A preapproval is used primarily as a document to indicate your budget or the amount that you’re able to spend. The actual mortgage will require significantly more information provided to the bank or mortgage broker.

You’ve crunched the numbers, thought about your lifestyle and made the decision to buy a home. It can be a complicated, stressful process. But knowing what to expect can reduce some of that anxiety and help you confidently find your way to your new home.

The market is hot, and you're ready to buy. The first step is getting approved on your loan. But which lender should you use? The promise of quick approval through internet based providers is tempting, so why use a local lender?

Applying for a home loan can be a daunting task. Take these steps and be well prepared in advance! Buying a home will likely be the most expensive and important purchase you make in your lifetime.