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June 29, 2018

Introducing Wafa Rodriguez Specialties: Buyer's Agent, Listing Agent, Aerial Photography, Marketing Service

Southern California Realtor
I have worked with Wafa on several transactions over the past few years. Every time, every client is more than happy about their purchase experience and the home she helped them find. 

"My purpose is to fulfill your home buying and selling needs whether you are a first time home buyer looking for your dream home or an experienced investor. I pride myself in providing you with exceptional service and effective communication to assure we achieve all your home buying and selling needs."

--Wafa Rodriguez 

Wafa Rodriguez (@wafa_realestate)

Professional Information

Broker address:
Century 21 Lois Lauer
1998 Orange Tree Ln
RedlandsCA  92373
Cell phone:
(909) 323-1053
Zillow name:
  • 01989465 (CaBRE)
English, Spanish

June 28, 2018

Solar Panel Leases Can Affect Mortgage

Solar panels are growing in popularity as more homeowners are able to finance or afford this way of providing power to their homes. But while they could cut a homeowner's utility bill, solar panels can also have implications on a mortgage, particularly if the panels are leased rather than purchased outright.

This could become a topic of growing interest if more states follow California and require all new construction homes to use solar energy by 2020. As a result, Quicken Loans, the home lender, said the easiest scenario is to own the panels outright. After all, this would mean there are no implications to the mortgage, and the home financing process can proceed as normal. But for those that are leasing the panels or have a power purchase agreement, it gets a little more complicated, although not insurmountable, when transferring homeownership. 

"If you previously bought solar panels and are in the middle of paying off the balance, there could be a lien on the house until the panels are paid off," Quicken Loans wrote in a recent post. "If there's a lien in place while you're paying off your solar panels, the solar panel balance is included in your loan-to-value (LTV) ratio, which could impact the amount of equity you have in a refinance or the amount of your down payment in a purchase if the solar panel contract is being transferred."

If there is a lien because of the solar panels, the lender said it has to be subordinated, which means that, if there was a foreclosure, the lender or mortgage holder would get the first payment on any foreclosure sale. The mortgage company noted that many energy-based loan programs aimed at making homes more green – including  HERO, ELTAP and PACE – cannot be subordinated, which means that Quicken Loans and lots of other lenders won't finance homes with those loans.

As a result of all that, Quicken Loans said to make sure that the maker of the solar panel is clear about what happens if there is a foreclosure. The contract should clearly give the mortgage lender the ability to request the manufacturer terminate the lease agreement into the lender's name without a fee or enter into a new lease agreement that has equal or better terms. If it's a Federal Housing Administration loan, there can't be anything in the lease agreement that would prevent the transfer of ownership or affect the sale proceeds. What's more, there can't be any restrictions on who you sell to or any mortgage acceleration or interest rate increases.

Simplified Mortgage Lending

Michael & Danielle make the home loan experience honest, fast and completely online. So EZ's application process is straightforward and streamlined, and saves you money by cutting out the banks with their commissions and fees. Find out if you prequalify for a home and get accurate, personalized interest rates.

June 27, 2018

Hot Listing In Maricopa CITY!

Contact Loretta Milkey Realtor 480-251-9807

Maricopa, AZ 85138

4 beds2 baths2,596 sqft

Price cut: -$2,000 (6/21)
Zestimate®: $272,731


Large single story open floor plan on over 11,000sf lot with private pool now available! 4 bedrooms, 2 full baths, travertine tile flooring in kitchen, hallways, laundry and dining areas. Ceramic wood tile flooring in hall bath. Kitchen tile back splash, recessed lighting, upgraded stainless steel appliances, gas range, soft water system,and reverse osmosis system. Family room with custom surround sound speakers, front flex room with custom tile feature wall. Backyard has large double gates on side, room for a boat, 2 storage sheds, custom landscaping, fire pit area, planter box, water system, and extended concrete pad near patio area. Energy efficient home, upgraded insulation in attic, built in 2014.
Facts and Features
Single Family
Year Built 
Attached Garage
0.26 acres
Days on Zillow 
13 Days

Huge Win For So EZ Purchase Clients

The Fed raised rates last week, and indicated there will be several more adjustments in 2018...

Don't worry, because today we've enhanced our Rock Solid pricing YET AGAIN. Effective right now, we have COMPLETELY REMOVED all FICO and LTV requirements!

That's right —


The simplicity of Rock Solid Pricing from QLMS is unlike any other, as there's no complicated qualifiers to remember.

45 bps Credit on Agency Loans over $200,000
175 bps Credit on Govt Loans over $125,000

We're laser focused on helping our clients win. I'm confident this amazing enhancement is going to help you afford more for less monthly cost.

Call me right now, 855-955-SOEZ (7639) Michael Hansen with So EZ Mortgage

California and Arizona ONLY

June 14, 2018

All the Single Ladies: Single Women Buying More Homes Than Single Men

We’ve come a long way, ladies. Throughout history, women have faced all kinds of outright financial discrimination, and some of that history isn’t so distant. It wasn’t until 1974, with the passing of the Equal Credit Opportunity Act, that it became illegal to refuse a woman a credit card if she didn’t have a male cosigner.
But now, it seems, women are starting to catch up to and even outpace men in some areas.
According to its 2018 report “Home Buyer and Seller Generational Trends,” the National Association of REALTORS® (NAR) found that single women account for the second-largest group of home buyers, behind married couples.
Single women made up 18% of home buyers in 2017. Within individual age groups, they saw a higher share among older age groups, with single women making up 25% of the 72- to 92-year-old group, versus only 12% of those 37 and younger.
Single women seem to be far more enthusiastic about homeownership than single men, who only made up 7% of home buyers. This isn’t a new trend. Single women have been buying homes at almost twice the rate of single men since the mid-1990s. The question is, why?
There’s not really a concrete explanation for why such a wide gap exists between men and women or why men don’t seem to be as interested in participating in the housing market. NAR’s 2017 “Profile of Home Buyers and Sellers” survey credits better job prospects, higher incomes and improving credit conditions as reasons for why more women are purchasing real estate.

It may be that female buyers are more likely to see purchasing a home as an investment, according to the Washington Post. Women are also more likely to have children younger than 18 in their households, which could be a motivating factor.
Men, alternatively, may be less concerned about settling down in a permanent residence or more worried about a potential job transfer.
The Washington Post article also cited a study from Builders Digital Experience, a research and publishing firm, that found that single women were more likely to name rising rents as motivation for buying a home.
The 2018 NAR survey doesn’t specify why single women in particular are purchasing more real estate, but general trends suggest that it’s more for emotional, rather than financial, reasons – 30% of buyers overall stated that their primary reason for purchasing was a desire to own a home of their own. This was especially true for those 37 years old and younger, 48% of which listed this as their primary reason for buying a home. The next most popular reasons were a desire for a larger home, a job-related relocation or move, a desire to be closer to family and friends, or a change in family situation (such as marriage, divorce or the birth of a child).
NAR’s annual “Profile of Home Buyers and Sellers” has noted this trend for the past few years. In a press release about its 2016 report, NAR chief economist Lawrence Yun said that despite earning a much lower average income, single female buyers accounted for double the amount of home buyers as single men.
“Single women for years have indicated a strong desire to own a home of their own, as well as an inclination to live closer to friends and family. With job growth holding steady and credit conditions becoming somewhat less stringent than in past years, the willingness and opportunity to buy is becoming more feasible for many single women,” Yun said.
Looking to join the trend? Call me, 855-955-SOEZ, 7 days a week as late as 9PM. 

June 12, 2018

Father’s Day Gift Ideas for Every Type of Dad

Disclosure: This post contains affiliate links, which means we receive a commission if you click a link and purchase something that we have recommended. Please check out our disclosure policy for more details. 
Searching for the perfect gift to get Dad this Father’s Day? The hunt for the perfect gift can be tiring – but we’re here to help!
We’ve done the hunting for you and segmented the gifts based on personalities and interests. Show your father figure how much you appreciate him this Father’s Day with any of these great gift ideas!

The Sports Fan Dad

Does your dad yell at the TV while watching a game like the refs can actually hear him? If you’re shopping for an avid sports fan, pair one of these gifts with tickets to a local game or an at-home tailgate, and he’ll be thrilled!
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. Philadelphia Eagles 3-Piece BBQ Set – $50
  2. The Golden Age of American Football – $39
  3. Cleveland Cavaliers Lebron James Replica Jersey – $60

The Handyman Dad

For the dad who is always taking care of things around the house, get him something he’ll actually use. The Leatherman Super Tool has 19 tools in one. It may feel like he has everything, but does he have everything in one?
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. Leatherman – Super Tool 300 Multitool – $80
  2. Nest Thermostat – $250
  3. 20-Volt MAX Lithium-Ion Cordless Drill/Driver and Impact Combo Kit – $179

The Outdoorsman Dad

If the guy on your list is more likely to be on the hiking trails on a Saturday then stuck indoors, these gifts might be the perfect fit! We’ve got everything from an insulated mug that will keep his coffee warm on a camping trip to a guide for all things outdoors.
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. YETI Rambler 14 oz. Stainless Steel Vacuum Insulated Mug with Lid – starting at $25
  2. The Kaufmann Mercantile Guide: How to Split Wood, Shuck an Oyster, and Master Other Simple Pleasures – $20
  3. Merrell Moab 2 Vent Low Hiking Shoes – $100

The Foodie Dad

From trendy salt plates to a classic at-home smoker, the dad who loves cooking (or just food in general) will be excited to open any of these gifts on Father’s Day. Take him from home cook to master chef in one fell swoop.
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. Carry On Cocktail Set – $90
  2. Masterbuilt 2-Door Propane Smoker – $164
  3. Himalayan Salt Plate with Salt Plate Book – $60

The Tech-Savvy Dad

Pixels and gizmos and gadgets – Oh my!
For the tech-savvy guy in your life, get him something new and useful that he might not have yet, but definitely wants! The Oculus Go is a virtual reality headset that allows him to immerse himself in over 1,000 different experiences.
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. FitBit Versa Smartwatch – $200
  2. Sony – SRS-XB21 Portable Bluetooth Speaker – $70
  3. Oculus Go – $200

The Fashion-Conscious Dad

No normal tie will do for the fashion-conscious dad. Help him elevate his style with something like a gift set from the Tie Bar, which comes with coordinating socks, pocket square and tie. You can splurge and get him a gift card to Trunk Club, which provides him with a personal stylist.
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. “Lacie” Faux Leather Duffel Bag – $85
  2. Trunk Club Personal Stylist Gift Card – starting at $50
  3. Novelty Navy Gift Set – $39

The Fun-Loving Dad

What’s a better gift for Father’s Day than a literal dad joke? A bouquet of salami – delicious and hilarious. “Who’s Your Daddy?” Star Wars coffee mug – 100% dad approved. Book of the greatest dad jokes – something you might regret later, but Dad will like it.
Father’s Day Gift Ideas for Every Type of Dad - Quicken Loans Zing Blog
  1. The World’s Greatest Collection of Dad Jokes – $4
  2. Olympia Provisions Salami Bouquet – starting at $50
  3. Star Wars “Who’s Your Daddy”? Father’s Day Coffee Mug – $13
No matter which gift you get your special guy for Father’s Day, there’s a good chance he’ll love it. Let us know in the comment section what you’re getting your dad this year!
Last one, how about a lower mortgage payment? Call 855-955-SOEZ and ask for Michael Hansen. 

June 4, 2018

If You're Looking For A Realtor in the Orange County, Especially the Beach Cities Meet Mr. Rad

Curt Radmacher
Realtor CalBRE# 01851936
(714) 420-5079
I met Curt Rad in 2012 at HB Ultimate, we both kickboxed in the same class and ended up working together for a short period of time at Optimum First Mortgage before I went out on my own. I trust Curt, he knows the area very well and I highly recommend him to my clients, friends and family.

Curt Radmacher is a Realtor® with Pacific Cove Realty & Loan in Huntington Beach, CA aka Surf City and specializes in Orange County coastal real estate. He has been serving ALL of Orange County and select areas of surrounding counties since 2008.

Pacific Cove Realty & Loan is a boutique real estate Brokerage with an emphasis on cutting edge technology, personalized customer service and strategic marketing.

Curt is passionate about helping his clients accumulate wealth, prosperity, and a better quality of life through their real estate investments and transactions. Curt's commitment to exemplary customer service, personalized consultation, strategic marketing, and razor sharp negotiation skills will help you succeed in accomplishing your real estate goals.

Curt Radmacher is a SoCal native and resident Huntington Beach homeowner. Curt brings a wealth of experience to his clients in the areas of negotiation, marketing and his background as a mortgage loan officer with an emphasis on professionalism and customer satisfaction. As a real estate professional licensed in 2008, working in the real estate business through both good and bad markets has given him a well rounded perspective and a “can-do” attitude to get the job done regardless of any obstacles thrown his way.

Curt’s knowledge and expertise in coastal real estate and surrounding Orange County communities provide his clients with the resources needed to make informed decisions and seize the opportunity in fast-paced real estate markets.

Whether buying or selling a condo, single family residence, luxury estate or multi-unit investment property, Curt Radmacher provides personalized service for your success every step of the way!