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Pandemic Response, Real Estate

How is Your Mental Health in the Midst of COVID-19?

It’s been a while since I wrote in this blog. I got busy with my daily routine and responsibilities and gradually forgot about writing just like the many other simple and important things the busyness of this world has taken away from many of us. Unfortunately, it had to take an order to stay home for me to remember about writing in my blog. However, in the midst of all the ugliness this pandemic has brought to the world, there are some good things happening. People are turning back to the simple things in life: love, kindness, and compassion.

There are too many things going on at the same time right now. The world is changing rapidly and this can cause lots of anxiety and worry. For those of us who tend to suffer from anxiety or depression, it can be hard to balance everything at once. We can easily get overwhelmed by the new normal we are having to adjust to. Some are overwhelmed with having to balance working at home, homeschooling children and keeping up with the house chores. Others are stressed with working too much, constantly being exposed to the virus, and trying to keep their family safe. While others are worried because they either already don’t have a job or are afraid they will lose it in addition to the major impact the economy will have after all of this has passed.

We don’t really know what is going to happen or how bad it will be, but the first thing we need to do is live day by day, have faith, and not worry or fear. We need to implement some self care! I am not a mental health expert, but I can share from experience what has worked for me. Here are a few things that might help:

  1. Keep your medicine routine. You might need to set an alarm to remember but you need to keep your daily routine and not forget to take your medicine.
  2. Keep a journal. Even if you don’t feel like writing, make the time to write how you are feeling throughout the day.
  3. Set boundaries. When you are hurt, sad, or angry by someone’s actions towards you, it more likely means a boundary has been violated. Find out what it is and make changes.
  4. Watch what you eat. Eat a balanced diet. Be intentional about what you eat. Don’t eat out of anxiety or boredom.
  5. Have some “me” time. Don’t isolate yourself, but do have some time on your own to recharge. You know what works best for you. Listen to happy music. Pray and meditate. Exercise. Watch a funny movie. Read a book. Bake. Work on your garden. Listen to calming sounds and just relax. Whatever works for you…as long as it’s healthy.
  6. Lean on your support. It can be a friend, a family member, a spiritual leader, or your therapist but you need to have someone you can talk to when you are feeling down. Make it a point to talk to someone about your feelings, don’t bottled them up.
Real Estate

Giving Back 2018

Thank you for trusting me with one of the most important decisions of your life. You have made possible for me, as the owner of HomeShield Real Estate, to continue my donation pledge in 2018.

A percentage of the commission I earned when I or one of the agents in my office sold a property went to the following non-profit organizations this year (listed in no particular order):

American Cancer Society – “To Save Lives by Helping People Stay Well, Helping People Get Well, by Finding Cures, and Fighting Back.”

EveryOne Free – “Ending Human Trafficking One Soul at a Time”

St. Jude’s Children’s Hospital – “Finding Cures. Saving Children.”

Rising Stars Equestrian Therapy – “Helping Special People Start Horsing Around.”

I look forward to a 2019 where I can continue to give back to causes making a difference in people’s lives.

DRE#01513573

Photo Credit: Besame Mucho Photography

Real Estate

Selling Your Home During the Holidays


XMas pic

It’s the season for Christmas lights, family gatherings and spending time with special friends. So, why would you list your home for sale during the holidays? Contrary to traditional belief, this might be the ideal time to sell your home.

LESS COMPETITION
The contemporary belief has been to wait until after the holidays to list your home for sale.  This in turn, leads to less competition for those who do put their home on the market. With the right staging and the proper marketing your home can be the perfect home for those serious buyers looking to buy now.

SERIOUS BUYERS
You will have serious buyers viewing your home.  Technology nowadays makes it easier for buyers to continue their online search any time. Your scheduled showings can be posted online so these buyers know when your house is available to view.  The holidays will not hold back serious buyers from owning their dream home. 

I CAN HELP
If you have been thinking of listing your home, contact me to talk about your options. This way, you can enjoy your holidays while I take care of your real estate needs.

Real Estate

How Is Your Market Doing?

4th of July

There has been a lot of talk about how hot the market is right now.  Have you wondered how your market is doing?  Whether you are a buyer or a seller, this might be the best time to make the move.

SELLERS, home prices are at its highest.  This might be the right time to sell an investment property, downsize, or relocate.

BUYERS, have you been on the fence about buying waiting for prices to go down?  If interest rates continue to increase, even if prices were to come down, your monthly payment might be the same or higher.

Take a look at this list of cities and their median home sales price.  Click on the cities to see live data trends going as far back as one year.

 

San Gabriel Valley

Pasadena, Duarte, Monrovia, Arcadia

Alhambra, Rosemead, San Gabriel

Azusa, Baldwin Park, Covina, West Covina

Pomona Valley/Inland Empire

Claremont, La Verne, Glendora, San Dimas

Pomona, Diamond Bar, Walnut

Rancho, Upland, Ontario, Montclair

Chino, Chino Hills, Corona

Fontana, Rialto, San Bernardino, Riverside

High Desert

Victorville, Hesperia, Adelanto, Apple Valley

 

Real Estate

Selling Your Home in This Digital Age

 

How many times a day would you say you go to your phone to either search something online or check your social media?  According to a study by Asurion, Americans check their phone 80 times a day about every 12 minutes, on average (NYPOST.COM, Americans Check Their Phones 80 Times a Day: Study. 11/08/17). Yikes!  I was surprised too, but honestly, I am guilty of this as well.  It almost seems like having information at our fingertips is a necessity nowadays.  And, as the years go by, I believe we will rely more and more in technology.

Technology changes so many things, including how fast and for how much you sell your home!  Have you wondered why some homes that compare to each other in features and price will sell in different time frames and even prices? According to the National Association of Realtors’ Real Estate in a Digital Age 2017 Report, in 1981, 22% of home buyers would look at newspapers to search for homes.  By 2016, 44% were looking for homes online as their first step in purchasing a home.

So, why wouldn’t the way your home is marketed change too?  The first impression a home buyer will get of your home will be online –more likely, on their phone … so, would it be fair to say professional or high quality photography, drone and video of your home will make a difference in how soon you sell your home?

In this digital age of social media and internet blogs and vlogs it is key to have the right real estate agent doing all this work for you.  Oh! And, it’s not just about posting your home online, it’s about strategically posting your home online.  So, next time you interview a real estate agent about listing your home for sale, ask about his or her strategic marketing plan.

As always, contact me if you or anyone you know is looking to sell or buy.

909-346-3610

LupeRuizRealty@yahoo.com

http://www.luperuizrealtor.com

CABRE#01513573

Real Estate

Is Our Real Estate Market Shifting?

Do you know what your home is worth

Not too long ago, I was reading a CoreLogic’s Special report that gave a nice chart on the sales trends since the Great Recession. It said the average nationwide home prices are about 1% higher than what they were at its peak in 2006 –with the West Coast States having the greatest price growth. (CoreLogic. Evaluating the Market Since the Great Recession. February 2018). As we know, the high unemployment rate between 2007-2009 had a major impact in the crash in addition to other known reasons (luckily, that is not the case today).

However, there is still uncertainty. As many other things in life, real estate trends function in cycles. So, rumors have been that we are overdue for another market shift. Perhaps, we are…Perhaps, we are not. I understand data speaks for itself but as our country has experienced recently, data can still surprise us. We have experts who believe we are bound to continuous growth; while others believe the recession is coming soon. Zillow recently published an article, which said that half the experts interviewed believe the next recession is starting in 2020 and price growth will begin to slow down. (Zillow.com. 2020 Vision: Experts Say Next Recession Looms at Decade’s End. May 2018).

Thankfully, we have recovered and many homeowners have had the opportunity to sell their homes and downsize or relocate while investors have had the business opportunity to invest and flip for profit. We can only forecast and rely on data. We do not know for sure what will happen in the next few years. But, we can make decisions based on the information we do have. Personally, I have already started to see some changes in the market that have led me to believe we will see a shift in the next few years.

So, if you have been considering selling your home and have been sitting on the fence, today might be the time to sell.  Contact me if you or anyone you know would like to sit down and strategize on the best price and marketing plan for your home!

 

Real Estate

Home Ownership For DACA Recipients?

4th July

Is your dream to become a homeowner interrupted because you are a recipient of the Deferred Action for Early Arrivals (DACA) policy? Perhaps, you have been told it is not possible because you are not a permanent resident. Do not be discouraged! It is possible to become a homeowner if you are a non-permanent resident.

According to the U.S. Department of Housing and Urban Development, “A borrower who is a non-permanent resident alien may be eligible provided:

  • • property will be the borrower’s principal residence;
    • the borrower has a valid Social Security Number (SSN), except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;
    • the borrower is eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; and
    • the borrower satisfies the same requirements, terms and conditions as those for U.S. citizens.

    The Employment Authorization Document is required to substantiate work status. If the Employment Authorization Document will expire within one year and a prior history of residency status renewals exists, the lender may assume that continuation will be granted. If there are no prior renewals, the lender must determine the likelihood of renewal based on information from the USCIS.“ (HUD, 3/27/18, Do borrowers have to be U.S. citizens to qualify for FHA financing? hudgov.prod.parature.com).

You would still need to qualify under the same credit and debt-to-income rules as any other permanent resident or U.S. Citizen. But, if you meet those rules you may still be able to qualify.  Although a few bumps on the road may be that not all banks will lend to a non-permanent resident and you may not qualify for down-payment assistance programs; there are still banks willing to lend under their respective financing programs.

Do not be discouraged! Follow your dreams! If you do not know of a lender who may be willing to qualify you for a loan, ask your REALTOR! We are always a good resource to start off your home search.

 

Real Estate

Happy Thanksgiving Day!

I would like to wish everyone a blessed Thanksgiving Day. I give thanks for those things in my life that many times I take for granted but that are so much part of my life.

True happiness is not about how much success we have or how much power and recognition we are given. It is about the healthy relationships and memories we create in our lifetime. It is about having a second chance at life when given a life-changing diagnosis or having food and shelter no matter how humble it may be. It is about creating memories with those we love. It is about being content with what we have despite the circumstances. It is about the simple things in life.

Enjoy this day with those you love!

“And when I give thanks for the seemingly microscopic, I make a place for God to grow within me.” ~~Ann Voskamp