Financial difficulties getting you down?

October 26, 2010


So many of us are going through hard times because of debt and financial difficulties. When faced with these problems we often experience sleepless nights, confusion, frustration, and even feelings of hopelessness or being overwhelmed.  We have seen so many good people let stress affect their health, family, performance at work, and even their faith.

If you are experiencing this you are not alone. When you are facing these challenges it is important to make clear decisions that will help you implement a solution to the problem – not just prolong it or bury your head in the sand. We all, at times have to make sacrifices and tighten the belt, but that does not mean we won’t be happy, healthy, and safe going forwards. Try to keep things in perspective; it is just money and material things, and life will go on.

We know that looking for assistance with your mortgage and deciding where to go for help can be confusing. We have had the opportunity to counsel thousands of people over the last few years.  The favorite part of our job is to make people feel better, help them with solutions so they will be able to rebuild and move on with their lives. Since, we have gone through it we really understand the importance of coping with this emotional strain.

If you or anyone you know find yourselves in this situation, take action, gain control of your situation and get peace of mind. If you have decided you want relief from the responsibility and the burden of your mortgage payments, NOW is the time to take action, before it is too late! We can offer assistance or guidance. This service is free, no catches. Regardless of the reason for your mortgage anxiety, we are here for you.

Folsom Home Angels & El Dorado Home Angels
Marian Velez, Realtor





First Time Home Buyers

February 7, 2009

Buying a home is one the biggest financial decisions most people will make in their entire lives, especially for first-time home buyers. When you add up the tax benefits of owning a home versus renting a home, in many cases it costs no more to be a homeowner than it does to rent. With this in mind, why help finance your landlord’s financial goals when you can own your own home and, as your equity grows, increase your savings for the future as well?

You may ask “Does my credit score affect my ability to secure a home loan”? When it comes to qualifying for a mortgage, the answer is never simply a matter of yes or no; it is a matter of when: When will you be ready to qualify? While your credit score does affect this process, with credit repair services, government loans, and other programs and strategies, homeownership can be a reality for anyone willing to put in the necessary time and effort.

Or “What’s the difference between being pre-qualified and being pre-approved”? A pre-qualification is a statement based often on unverified financial data. A pre-approval, however, is a decision to loan, based on verified financial data and carries a lot of weight with sellers. With a pre-approval, you are essentially a cash buyer, and not only do you know exactly how much you can afford, sellers will take your offer much more seriously knowing you are pre-approved.

We can answer these and any questions you may have. Get all of the answers you need from a source you can trust. If you or someone you know is thinking about buying a home, give us a call at (530) 391-7699.

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January 25, 2009

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