Ron Cedillo's (rcedillo) Blog

If you’re considering getting a USDA loan, it’s important to do your due diligence and talk to a variety of lenders to make sure you not only understand the process, but also get the best deal on your loan.But what, exactly, do you need to ask those lenders?A recent article from realtor.com outli...

The spring season appears to be warming up in housing as more and more buyers enter the market. And after rising mortgage rates sidelined so many buyers last year, that’s a good sign for sellers. Realtor.com has the latest: “Spring is officially here, and like green shoots emerging from the bleak...

Some Highlights Buying a home is a major way to build wealth and gain financial stability. That’s why, across different income levels, the largest part of most homeowners’ net worth is their equity. Let’s connect today so you can start investing in homeownership.

We’re still in a sellers’ market. And if you’re looking to buy a home, that means you’re likely facing some unique challenges, like difficulty finding a home and volatile mortgage rates. But keep in mind, there are some benefits to being a buyer in today’s market that give you good reason to stic...

If you’re buying a home, getting an inspection is a must. But not all home inspectors are created equal, so if you want to find the right person for the job, you need to ask the right questions.But what, exactly, are the right questions?A recent article from realtor.com outlined important questio...

For many potential homeowners, having a garage is a non-negotiable. But just because a home doesn’t have a garage doesn’t mean you should immediately write it off, even if a garage is on your “must have” list. You have the option to buy a home and build a garage on your own, but before you go dow...

The 30-year fixed mortgage rate has been bouncing between 6% and 7% this year. If you’ve been on the fence about whether to buy a home or not, it’s helpful to know exactly how a 1%, or even a 0.5%, mortgage rate shift affects your purchasing power.The chart below helps show the general relationsh...

Some Highlights If you’re thinking about buying a home, be sure to plan for closing costs. Closing costs are typically 2% to 5% of the total purchase price of a home, and they can include things like government recording costs, appraisal fees, and more. Let’s connect so I can answer your question...

Unless you’re in the process of buying, selling, or refinancing a house, real estate appraisals aren’t something most people think about all that often. So the recent news that Fannie Mae will no longer be requiring appraisals probably isn’t something you’ve heard about.As you can imagine, that’s...

Spring has arrived, and that means more and more people are getting their homes ready to sell. But with recent shifts in real estate, this year’s spring housing market will be different from the frenzy of the past several years. To sell your house quickly, without hassles, and for the most money,...