home buyers

2 bedroom, 2 bath single family home is perfect opportunity for first time homebuyer or investor.

Welcome to 25811 Sugar Pine Way in Saugus in the Santa Clarita Valley.

This is an incredible turn key home with an abundance of upgrades.

Plantation Shutters, wood flooring, and dual pane windows are only a few of the amenities available.

The kitchen has been upgraded with granite countertops and stainless steel appliances.

The large master bedroom comes with its own private bath and sliding door access to the back yard.

Another bedroom and bath are perfect for your growing family, or can be used as flex or office space.

This home is also ready for RV access, and is located in a desirable neighborhood close to great schools, shopping, parks and restaurants. For more information and to schedule a private showing, please contact us by calling wither of the numbers at the top of this page, or by using the Quick Response form below.

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Offered at $425,000

For most people, a 20 percent down payment is hard to come by. So what are your options?

Think about it. With the median price of a single family home in Santa Clarita topping out in the high $400,000’s, how easy is it to come up with nearly $100,000 for a down payment? Montemayor and AssociatesUnless you’re REALLY great with money, or just came into an inheritance (Or perhaps you won the lottery), you may be hard pressed to have that kind of cash lying around. It’s not to say that people don’t save that kind of money, but for the most part, it’s not an easy thing to do in this day and age.

But let’s say you’re good for it. You know you can afford the monthly mortgage payment that comes along with a single family home in Santa Clarita, even if you don’t have the 20% down. Rest assured, you’ll be all right. There are plenty of options at your disposal.

1. Traditional “zero down payment” mortgage.

Yes, banks do offer zero down payment loans, but there is the cost of doing that kind of business in the form of Private Mortgage Insurance (PMI) that will be added to your monthly loan payment. On average, PMI costs range from .3% to 1.15% of the original loan amount, based on how much (or how little) you put down.  Continue reading

For a first time home buyer, there are lots of real estate terms they’ll need to know.

Escrow. Title. Amendments. Contingencies. These are just a few of the phrases that first time home buyers might never have heard before…or at least in the capacity of having to actuallyFirst time home buyer questions. make use of them.

While buying a home isn’t overly complicated, there is a slight education process that makes things go a bit more smoothly for someone who has never purchased real property before. As a matter of fact, what is real property?

Basically, real property  refers to land, and anything immovable, including t attached to the land. including improvements, buildings, houses, etc. that cannot be considered personal property. Easy enough, right? For example, a lamp that plugs into a wall socket in a home would be considered personal property. A light fixture installed and attached to the property may be considered real property.

What is an escrow?

In a nutshell, escrow refers to an objective third party to a real estate transaction, whereby insuring all conditions of the sale are met by both buyer and seller. Escrow officers organize and monitor all of the aspects of the sale once the offer has been accepted by the seller, to make sure that the transaction can be legally made before the sale is final and the keys are handed to the buyer.  Continue reading

Housing prices remain steady, although we’re seeing some signs of the end of the “summer rush.”

August showed a steady pace in the Santa Clarita real estate market, with new information released by the Southland Regional Association of RealtorsMontemayor and Associates Remax of Valencia

While there were no “wild rides” real estate-wise, we did see a market that held its own through what most consider the “dog days of summer.”

Median home prices and sales remained somewhat the same as July, with median sale prices holding at $415,000, which includes both single family residences and condominiums. We saw a slight drop in the number of home listings at 441 for August, compared to 500 in July, but the number of escrows opened and closed barely changed month over month.

Santa Clarita also saw only a slight drop in the median list price in August at $447,000 compared to $459,000. This accounts for typical pricing adjustments as the summer rush comes to an eventual close. Continue reading

West Creek community in Valencia offers great homes, locations, and schools.

Lennar Homes offers another exciting opportunity for buyers to move to new housing in Valencia.Claridad at West Creek in Valencia. Photo copyright George D. Cummings

Claridad at West Creek has recently broken ground on new phases, offering affordable townhomes with four different floorplans, catering to the buyer’s unique wants and needs.

With pricing starting in the upper $300,000’s, these homes are being built as “EI” (Everything’s Included). This means that, amenities and features normally considered an additional fee by some developers are included in these wonderfully styled homes. Everything from eye-catching interiors, green technology, interior atmospheres such as upgraded baseboards, hardware, and more) are only a few of the many “included” features, making your new home “move-in” ready.

Claridad Townhomes come in two and three bedroom options, with floorplans ranging from 1,259 square feet up to 1,512 square feet.  Continue reading

Cut in federal mortgage securities has opposite effect of predicted rising rates.

November 2008: The stock market was dropping like a stone. Mortgage defaults began to skyrocket. Some major financial corporations either toppled, or were at least United States Federal Reserve Systemteetering. Things weren’t looking good.

As part of the federal stimulus package known as TARP (Troubled Asset Relief Program), the Federal Reserve authorized an $85 billion monthly stimulus that would back Mortgage-Backed Securities (MBS). This monthly expense was put in place to ease troubled financiers and investors that they could still count on the mortgage market for a guaranteed return.

While this stimulus, known as Quantitative Easing (QE), did not instantly solve the real estate crisis that ensued as part of what’s now known as the Great Recession, mortgage interest rates did in fact remain low, and actually dropped to historically low levels in early 2013 (Down to the mid 3 percent range).

In the spring of last year, Federal Reserve Chairman Ben Bernanke gave word that, based on economic improvements, the QE stimulus would begin to taper back. This caused a stir in the mortgage market industry, and selloffs of Mortgage-Backed Securities began in earnest, driving up interest rates over 1% (Which were still incredibly low). Continue reading

How to get the best deal possible when making an offer on a home.

We often discuss the fact that a home purchase will be one of the biggest decisions you’ll make in your life, so it’s understandable that you wantHow to make the best offer on a property for sale. to make sure you’re getting the best deal available. That being said, purchasing real estate is very different from other large purchases, such as cars or appliances. There are several factors to take into consideration while determining the price to offer a seller for their property.

The Principle of Real Estate Value

There are many factors that come into play regarding real estate pricing. Supply and demand, area popularity, amenities, economic concerns and potential for growth and development are some of the issues to consider as a seller prices their home. It’s also important for the seller’s agent to provide recent comparable property sales to help determine the final listing price. Of course, we also can’t forget the top three rules of real estate pricing: LOCATION LOCATION LOCATION! Continue reading

Beautiful Turn Key Home In Desirable Private Gated Community

As far as finding a home that provides both privacy AND a great location, you can’t ask for any better neighborhood than The Woodlands in Valencia.

Located only a few minutes from Interstate 5 freeway, Valencia Town Center, College of the Canyons, and other popular Santa Clarita hot spots, the Woodlands is a gated and guarded community of upscale homes.

Montemayor and Associates are proud to present their latest listing, located at 26913 Augusta Place in The Woodlands of Valencia. This private Ironwood home has many great features. As you approach, you’ll find private front yard entry along with a wrap around yard. Entering the home, you’re greeted by an open and bright floor plan and the formal living room with fireplace. The formal dining room is great for family gatherings and entertaining, and you’ll love the family room (With a second fireplace) that opens up to the pristine kitchen filled with stainless appliances. The kitchen also features granite tile and a large eat-in center island. Did me mention it’s large enough for a breakfast nook as well? Continue reading

There are many benefits to owning a home within a Homeowner’s Association, although it may not be for everyone.

In some cases, such as condominium complexes and detached PUD (Planned Unit Developments), you may not have a choice as to whether or not you wish to belong to Is a homeowner association neighborhood right for you?a Homeowner’s Association (HOA).

In other cases, especially when it comes to purchasing a single family residence, you may have more flexibility when it comes to buying a home within an HOA. Fortunately for Santa Clarita home buyers, you have a choice based on your needs, and where you wish to live. So what’s the difference?  Continue reading

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Client Testimonials
I had specific needs for my new home. Brandon was very patient with my unique situation and flexible when it kept changing. He showed me so many houses, but with little inventory, none of them were quite perfect or they had too much HOA or Mello Roos. Finally when we found The One, no HOA, no Mello Roos, it had been on the market for 4 days and I made an offer that morning. I was sure the sellers would give it to someone else but Brandon worked hard to make sure they accepted my offer and by that night, the house was mine. Had it not been for Brandon I would still be searching for a house because so far, there is still nothing better than mine.
Lisa G. , Saugus
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