Winnetka, CA

Winnetka Ca Real Estate / Homes for Sale / The first step toward ownership

Dear Mr. Mrs. Buyer,

Whether you’re buying for the first time or the tenth, if you‘ve decided the time is right to become a homeowner, the first step should be to visit a mortgage lender and get pre-approved for your mortgage loan.

Choose a lender you’ve been happy with in the past, choose based on a referral from a friend or family member, or call me. I’ll be happy to give you a list of mortgage loan officers who have done well by my clients.

There is a difference between lenders and loan programs, so it pays to take a little time making your choice.

You want a lender who will:

• Give you answers in writing about what they can or can’t do for you – including the interest rate they’ll offer you
• Be responsive – returning your phone calls or emails promptly
• Doesn’t charge excessive “extra” fees
• Feels “comfortable” to you.

That last point may seem trivial, but it is important. You and the lender will be working closely together for a while, and you’re going to be revealing your personal information, so make sure you choose someone you feel comfortable with.

To save time, go to your first meeting prepared to discuss your financial situation. Take along your last couple of years’ tax returns, your last 2 or 3 pay stubs, your most recent bank statements, and a list of what you owe and what you own.

Before the lender can give you an actual pre-approval letter, he or she will have to get a copy of your credit report and FICO scores. And that’s OK. Even though you’ve read that every request will lower your scores, multiple requests from mortgage lenders all within a short time-frame will all count as one. The people who compile credit scores know that you’re shopping.

Each lender will have to give you a GFE – a good faith estimate – before you commit to using them. This gives you the opportunity to compare rates and fees between different lenders before making a choice.

If you have questions after reading those GFE reports, do ask the lender to explain them. And, if you still aren’t sure, just give me a call. I’ll be happy to go over them with you. You can reach me by calling (818) 926-5425 or emailing: Esperanza@esperanzabutler.com .

Becoming pre-approved for a mortgage loan is an important first step in purchasing your first home. Next time I write, I’ll explain why.

Yours truly,

Esperanza Butler
Realtor, GRI, e-PRO, SFR
Rodeo Realty
21031 Ventura Blvd.#100
Woodland Hills, Ca. 91364
Cell: (818)-926-5425
Office: (818)-999-2030
Esperanza@EsperanzaButler.com
www.Esperanza4homes.com
www.Activerain.com/Esperanza
http://goo.gl/tQnbs
http://goo.gl/ky7BA

If you’re simply curious and want to see what’s on the market today, come to http://goo.gl/tQnbs

P.S. Remember that during the weeks prior to purchasing a new home you should refrain from letting anyone but a mortgage lender check your credit. Don’t give your Social Security number to anyone for any reason.

My Website	For Sellers	For Buyers	Monthly Newsletter	Call me! eMail me!	Canoga Park-Winnetka	SF Valley
Face Book	Listing Book	West Hills	LA Gas Prices	Rentals	Housing Trends	You Tube

Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka,

Canoga Park,Northridge, Chatsworth,Granada Hills and More

If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you.

";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number.

I will be happy to help them!"

Winnetka California/Neighborhood Boundary Map

Winnetka California/Neighborhood Boundary Map

Winnetka is a district in the San Fernando Valley in the City of Los Angeles. It is in the west-central San Fernando Valley, Los Angeles County, California.

Winnetka is located next to Canoga Park on the west, Woodland Hills on the south, Chatsworth to the north, and Reseda to the east. Corbin Avenue is the eastern boundary, DeSoto Avenue is the western boundary, Victory Boulevard is the southern boundary, and Nordhoff Street is the northern boundary. It is bordered by the Southern Pacific Coast Line railroad to the north and the Los Angeles River to the south. Major thoroughfares include Winnetka Avenue, Mason Avenue, Roscoe Boulevard, Sherman Way, Saticoy Street, Parthenia Street and Vanowen Street. The postal ZIP code is 91306, the telephone area code (818).

Click the plus+ or the minus- to zoom in or out and see the neighborhood boundaries

View Larger Map

Neighborhood Boundary Maps

Community Boundaries: Within the City of Los Angeles there are many communities such as Sherman Oaks, Woodland Hills, Valley Village, Valley Glen, etc. The Los Angeles City Council is the governmental entity that approves the actual boundaries of these neighborhoods. The official boundaries of each of these communities are delineated in the official maps approved by the LA City Council. These maps can be found on the LA City Council website. Buyer and Seller are advised not to rely on the US Postal Service or LA County Assessor’s information to determine the actual boundaries of any particular community as these records are not always accurate. Buyer and Seller are advised to check the official LA City Council maps to determine the actual boundaries of the various communities. SRAR has also provided the following interactive maps, based on the official City Council maps, for your convenience

OPEN Saturday 2/19 from 12-3pm

3B/2B

Completely remodeled home nestled on an over 7400 square foot lot. One will find this remodeled beauty of 3 bedrooms, 2 baths boasting the original beautiful hardwood floors, cozy fireplace, central heating and air. Updated and remodeled kitchen including granite counter tops and new cabinets. New roof, dual pane windows, and tile throughout. 2 car detached garage with new door. Close to stores, shopping and schools. Move in ready! All offers will be considered. FHA/VA welcome.

Click here for additional info.

Puntos Por Pago - De Que Se Trata? / Winnetka Ca. / Canoga Park /San Fernando Valley Real Estate

Puntos Por Pago De que se Trata?

Al analizar las opciones hipotecarias se pueden encontrar cotizaciones de prestamistas que incluyen, tanto tasas por prestamos, como "Puntos".
Un Punto contituye una minoria equivalente al 1 por ciento del prestamo.
Una hipoteca de $150,000 a 30 anos podria poseer una taza del 7 % pero conlleva una comision de 1 punto, o $1,500. ($150,000 x 0.01= $1,500)

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My Website	For Sellers	For Buyers	Monthly Newsletter	Call me! eMail me!	Canoga Park-Winnetka	SF Valley
Face Book	Listing Book	West Hills	LA Gas Prices	Rentals	Housing Trends	You Tube

Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka,

Canoga Park, Northridge, Chatsworth, Granada Hills and More

If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you.

";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number.

I will be happy to help them!"

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