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美国梦房地产公司为您提供买卖,贷款,出租,租赁一条龙全套服务

Investment guide and benefit投资指南
 
火热新房!华人热门必看,免费看房,帮您贷款,现场解说,帮你买卖,贷款,出租,租赁一条龙服务!
 
特别提醒,请记住:在美国买卖房子一定要找地产经纪,可以买到更便宜的房价,避免了麻烦和纠纷。不要企图避开绕开房地产经纪直接找卖房者和建筑开发商买房,奢望或指望卖方建筑开发商不付地产经纪佣金就会给你买主降价或便宜! 而且卖方的房主和建筑开发商也不会把他们付给房地产经纪的佣金转加到你买的房价上,付给地产经纪的佣金只能作为其成本开支,法律和政府 是禁止和不允许转嫁给买房的买主的,这一点与中国大陆正好相反,所以不要用中国大陆的做法来推理美国也如此,  因为建筑开发商的卖价是经当地市政府批准备案定死的,不允许降价毫厘卖出,降价会减少当地市政府的房地产税收收入。特别提醒,请记住:在美国买卖房子一定要找地产经纪,地产经纪是免费为你工作,你不用付地产经纪一分钱,特别是买新房更要找地产经纪,第一次看房一定要地产经纪带领去看,否则买不到便宜价格,如果买主第一次自己单独去买和看房或上建筑开发商的销售网站登记后,建筑开发商不会给买主任何折扣和降价,以后再找经纪也没用了,所以切忌自己单独去看房或上网登记,记住一定要经纪带着。您若是想买全新屋, 请勿贸然参观样品屋, 那将会使你丧失透过地产经纪人免费帮你议价的权利, 请速和我联系, 我将免费代表您和建筑商议价。这一点正好与中国大陆情况相反,以为摔开经纪自己直接单独去会买得更便宜, 错错,切忌耍小聪明,聪明反被聪明误!


切记:在美国买卖房地产永远是卖方付地产经纪佣金,买方不付丝毫佣金, 不要指望奢望卖方不付地产经纪佣金就会给买主降价或便宜!


洛杉矶免费看房团,每天随时进行,欢迎报名参加!
免费参观,现场为您解说每个楼盘的特色,帮助您贷款通过,办理房屋地产买卖出租管理一条龙服务!
请联系: 马歇尔先生,美国加州全职地产专业经纪
报名电话:626-271-2718
微信:marshalxma
Email:sweetdreamhome1@gmail.com

Website公司网站:www.sweetdreamhome.com


不查收入不查信用贷款,无论是否外国人,无论有无美国合法身份,无工作无信用无报税通通没问题。您只需看房,其余剩下的都交给我们!
 
华人热门必看必买六大好区:
 
1.    【东谷/Eastvale】房价$43万起独立别墅屋
东谷市在教育丶医疗和安全排名中名列全加州第一,全美国前50名最好的城市排名第17,超过尔湾其排名第20,房子新大,居民素质高丶学区好丶地理位置好丶房价低增值空间大,自住出租两相宜。是买房性价最高的城市。
交通便利,四通发达。60,10,71,91及15号州际公路均从该城市附近经过,可以辐射加州的所有地区。从东谷市到迪斯尼乐园30分钟左右,到纳古纳海滩与新港海滩40多分钟左右,离著名海滨城市圣地亚哥(San Diego)
海洋公园75分钟车程,到赌城拉斯维加斯(Las Vegas)3.5小时车程,到安大略(Ontario)国际机场15分钟车程,洛杉矶国际机场(LAX)1小时车程。
 
2.    【安大略/Ontario】房价$40万起独立别墅屋
安大略市是连接洛杉矶县与圣伯纳丁县的要冲,幅员宽阔,大公司云集,10号,60号,15号高速公路横跨其中,区内有安大略国际机场, 10个门奥特莱斯ontario mill,大医院,展览中心等。现有靠近东谷市的新区park place,
共有7个新开发的社区,连片开发,整体漂亮,安静安全,有社区泳池活动中心。
 
 
3.    【奇诺/Chino】房价$50万起
奇诺市拥有发达的交通网,连接71丶91丶60丶10号公路,西班牙语chino意即是中国,无论是通往山岳林立的内陆,或者是海滨城市均相当便捷,奇诺占地利之便,且民生消费水平也较低廉,现有几个新区在建,
奇诺保护区里面有大片新房,有自己的社区中心,健身中心和学校。
 
4.    【芳坦纳/Fontana】房价$40万起,附近有10号,60号,210号,15号高速公路,靠近维多利亚花园mall, 10个门奥特莱斯ontario mill, 是洛杉矶去拉斯维加斯必经之地。价格适中,增值潜力大
 
5.    【阮丘库卡蒙卡/Rancho Cucamonga】房价$66万起
洛杉矶东区新兴华人聚集城市阮丘库蒙格市(Rancho Cucamonga)位于洛杉矶东区北部,企业林立,公司聚集,区域未来发展趋势明朗;地理位置优越,10号,15号,60号,210高速公路三横一纵交接附近,
数分钟即达安大略国际机场丶克莱蒙大学城丶两个购物中心以及国家级滑雪旅游胜地,交通丶学习丶娱乐丶购物非常便利。房价$66万起,没有物业管理费,近华人超市和大型购物娱乐中心,交通便利,设施齐全。
 
6.    【尔湾/Irvine】房价联排别墅$55万起独栋别墅$80万起
尔湾市坐落于南加州橙县,号称南加州的硅谷,有良好的居住和教育环境,加州大学尔湾分校,尔湾市高中丶诺斯伍德高中(Northwood)和伍德布里奇高中(Woodbridge)等。许多高新技术公司坐落其间,因此房价较贵。

 

Credit Score for Loan Application

 

Learn About Credit ScoreCredit scores generally range between the low 300s and the mid-800s, so surely a score of 600 is a good credit score, right?

Actually, a score of 600 is a poor credit score. Your credit score directly affects howmuch money your loans and other types of financing will cost you over your lifetime.

Let's take a look at the breakdown of credit scores:

Excellent credit score: 720 and Up

Credit scores in this range will open up the best interest rates and repayment terms for loans. If you want to make major purchases, such as an investment property, this credit score range is where you want to be.

Good credit score: 680 to 719

A credit report score in the 680-and-up range is good news for you. You can still get decent terms from lenders, although not as nice as those offered to borrowers with truly excellent credit scores. If you're shopping for a first home, a score in this range is certainly considered to be a good credit score, and it will get you an acceptable mortgage. You'll likely also be able to refinance your mortgage for better terms on an existing payment structure.

Average credit score: 620 to 679

This is the absolute minimum credit score you can carry and still get fair mortgage terms. Smaller-ticket items that require financing are doable in this range, which is several notches below a good credit score. However, you'll be better served by reviewing your credit history report and taking steps to improve your credit score.

Poor credit score: 580 to 619

Although you won't necessarily have any problems getting loans with a credit report score in the high-500 to low-600 range, you'll get those loans on lenders' terms. Be ready for higher interest rates, and expect finance charges that will hit you right in the wallet.

The good news is that you can build your credit score from here by monitoring your credit reports and by being responsible with your finances. Note that this range is also the lowest workable credit score range if you're shopping for auto financing.

Bad credit score: 500 to 579

If your credit falls somewhere in this credit score range, financing terms will cost you big-time. For long-term loans, such as a 30-year mortgage, expect to see interest rates that are at least three percent higher than interest rates awarded to borrowers with good credit. For shorter-term loans, like a 36-month auto loan, the effects of your bad credit score are even more pronounced. Expect interest rates almost double those offered to consumers with good credit scores.

Miserable credit score: Less than 500

At this point, your credit score is so bad that getting any type of financing is almost impossible. If you can get loans, they'll carry nearly punitive interest rates. If your credit report score is below 500, it's time for action. Get a copy of your credit history report, and make an appointment with a credit counselor.

Home Ownership Benefits

Home ownership has a significant impact on net worth, educational achievement, civic participation, health, and overall quality of life. And, home ownership helps create jobs. But some are challenging federal government incentives that would keep home ownership affordable. Follow the issues here.

Read more: http://www.houselogic.com/guide/home-ownership-faq/#ixzz3IjlMC2Hn

Help For America's Homeowners

For most homeowners, seeking help through Making Home Affordable is a new experience. The

process involves financial terms and concepts that many are not familiar with. Navigating your way through these unfamiliar waters can be intimidating. But the more you know, the better off you are. To help you increase your knowledge, we have compiled some key concepts that homeowners often tell us they want explained in detail:

www.makinghomeaffordable.gov/pages/default.aspx

Finance Tools

Welcome to our Financial Tools Center. For answers to some of the most frequently asked financial questions, click below for our helpful tools and calculators. Contact us to discuss your needs in more detail.

What home can I afford?

How much can I borrow?

How much will my mortgage payments be?

What will my closing costs be for a new home purchase?

Which loan is better?

Which is better: 15 or 30 year term?

Which is better: fixed or adjustable?

How much will my adjustable rate payments be?

Am I better off renting?

Am I better off refinancing?

What will my refinancing costs be?

How much can I save in taxes?

By selecting one of the links above, you are entering a third party web site. We have provided these links for your convenience, but do not endorse or assume any responsibility for the content, links, privacy policy, or security policy of the web site.

Any tools on the web site are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your circumstances are not guaranteed. For personal advice regarding your financial situation, please consult with a financial advisor.

http://www.leadfusion.com/

 

Investment Guide 投资指南

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美国梦房地产公司提供买卖,贷款,出租,租赁一条龙服务! 不查收入不查信用贷款,无论是否外国人,无论有无美国合法身份,无工作无信用无报税通通没问题。您只需看房,其余剩下的都交给我们!

我们是华人,会讲中国话,最懂我们中国人的文化,传统及习俗, 最知道你想要什么,找我服务就是你成功的第一步,你的成功就是我追求的唯一目标,同时也是我的成功;让你满意是我们唯一的追求, 你满意则我满意。

美国梦房地产公司的服务专精于: 买卖家庭住宅,商用办公,仓储物业,工业用设施,土地投资等,并 擅长买卖,贷款,出租,租赁等一条龙的全套服务。

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