Rocklin Real Estate Podcast with Dave Silva

You've probably heard of VA loans for veterans looking to buy a home, but we can actually help you get an even better product through the California Veterans Administration. Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Price Evaluation We have an excellent contact at the California Veterans Administration and today, I wanted to tell you about a great loan product they can set you up with if you're a veteran looking to buy a home. There are some subtle differences between a normal VA loan and a California Veterans loan. Most brokers in town can issue a normal VA loan; they're just insured and guaranteed by the federal Veterans Administration. The cool thing with the California Veterans loan is that it's actually California bond money financing the loan. Nobody will sell the loan and it won't be serviced by some other company. In fact, it will be serviced right here in Sacramento at the California Veterans Administration, which we call Cal Vet for short. When my dad became disabled, they actually continued to make the payments on my folks' property. It's definitely a good product that I'm personally familiar with because my folks had one many many years ago. When my dad became disabled, they actually continued to make the payments on my folks' property. With a normal VA loan, the rates can actually adjust two or three times a day. Until you're under contract and locked in, the interest rate can go higher or lower frequently. You also have to worry about time frames. If you're looking to buy a new home that's under construction, there might be four to six months of construction. With a VA loan, your contract is locked, so you don't have to worry about your interest rate rising during that construction period. Another advantage comes with the homeowners insurance aspect. With a VA loan, your structure insurance is actually covered in your loan. All you'd need is a renter's policy to cover your contents, which saves you more money off your monthly expenses. If you'd like to learn more about these loans, I'd be happy to get you in contact with my contact at Cal Vet. Just give me a call or send me an email and we can get that conversation started for you.

Our new VIP Buyer Program offers many great incentives for buyers who choose us to help them purchase a home. Here’s how. Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Price Evaluation Have you heard the good news? We have a tremendous new VIP Buyer Program designed to reward buyers like you for choosing us to help you buy a home. Here’s what we’re offering. You can earn a $1,500 closing credit if you buy a property from us that’s listed by us but isn’t yet on the MLS. This type of listing is sometimes referred to as a ‘pocket listing.’ This is a great opportunity for you to save money while buying a house that’s perfectly suited to your needs without any competition. You can also earn a $1,000 closing credit if you buy one of our listings that’s actively listed on the MLS and a $500 closing credit if you buy any listing through us that’s not one of our listings but is still listed on the MLS. “ This program offers many great incentives. ” As always, all of our buyers get their new houses re-keyed, because we’d never want you to move into a house without knowing who else has access to it. In addition to these things, our VIP buyers also get to choose from one of four services: Free carpet cleaning. Four hours of moving help, which can be delegated and arranged according to your preferences. Four hours of housekeeping, from either the house you’re moving from or the house you’re moving to. Four hours of organizing help in your new home. If you’re interested in this program, feel free to reach out to me so we can fill you in on all the details. Our goal this year is to help 100 families, and we’d love for you to be one of them!

A lot of people are wondering what will happen to our real estate market in 2017, so today I’d like to share some of my predictions. Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Price Evaluation A lot of folks have been calling me lately and asking me what’s in store for 2017, so today I’d like to share some of my market predictions for the new year. First off, Realtor.com just classified the Sacramento area as the fourth-hottest region in the nation for 2017. They’re citing the fact that saturation of home prices in the Bay Area is driving investors away from there and into our neck of the woods. Other factors for this buyer influx include the high price of rentals and past foreclosures being wiped off of many people’s credit histories.   Even though interest rates are high right now, they’re still very low in a historical context. Right now, they’re hovering just above 4%, but they’re expected to increase as high as 5%. Appreciation is expected to be in the 5% to 8% range, but that will depend on where you’re located and what price point you’re in. “ Our area should experience an influx  of buyers. ” First-time home buyers are still having a tough time finding affordable housing, so any inventory below $350,000 should move pretty quickly. That price point will move up as high and fast as the market will bear. We also see that the luxury, high-end inventory above $800,000 has a lot of traction and should attract a lot of activity. I’m looking forward to helping you move your life forward this year, whether you’re thinking about buying, selling, or investing. We’d love to consult with you and work out a plan that works best for you, so please feel free to reach out to me by phone or email. Talk to you again next time!

Our team is hiring, and we’re looking for people who are interested in helping other people—not boosting their transaction numbers. Buying a home? Click here to perform a full home search Selling a home? Click here for a FREE Home Price Evaluation Our team is hiring, and we’d love for the right person to join us. Why work for us? Let me tell you a little bit about what we do and what we can provide for you. We like to divide our business into three categories: before, during, and after. Our “before” category is the time in which we generate leads and contacts before we get into contract, whether it’s a buyer or seller agreement. We do our lead generation through Google pay-per-click, Facebook, Zillow, Trulia, mail-out campaigns, and postcarding. On our team, you would no longer have to create these items—we’d create them for you. The “during” category is the time in which we’re in contract with a client. We have a management process for this, as well. We would provide a transaction coordinator for you, along with all the information you want or need for educating your clients. Finally, the “after” category is the period after escrow closes where we provide all the information and gifts for your buyers or sellers so you can stay in communication with them. We will also supply the CRM contact management system. With RE/MAX, you’d not only get the four webistes that they provide, but you’d also have access to our two lead generation sites: www.greaterrosevillehomes.com and www.besthomesandestates.com. You would have access to these sites and be able to send them out to your clients and contacts. Our mission is to build great relationships with the people that you already know or the people that you want to get in contact with. “ If you’re just looking for transactions, you wouldn’t be a good fit. ” What’s the rub? I’m going to be completely honest with you—I don’t want every agent or salesperson to call me. I’m not looking for a salesperson. I’m looking for a consultant. I want someone who’s more interested in helping people and bringing value to those they become associated with. That’s what we built our business on, and that’s the path we want to continue to follow. We’re looking forward to doing more than 200 deals next year and growing our team to be able to help 200 different families. If that sounds like something you’re interested in, we’d love to talk. To contact us, you can either click on the ‘contact’ button, reply to this email, or just give us a call. I look forward to talking with you soon!