Compra y venta de casa

Pasos para comprar su primera casa

5 Pasos para comprar su casa

  1. Obtenga una copia de su reporte de crédito y Mejore su puntaje si es necesario
  2. Contrate un profesional experto en bienes y raíces
  3. Obtenga su precalificación antes de comenzar la búsqueda de casa
  4. Conozca su presupuesto de gastos  totales de cierre
  5. Use la calculadora de hipotecas para visualizar sus gastos

 

Obtenga una copia de su reporte de crédito y mejore su puntaje si es necesario

 

El primer paso es obtener una copia de su reporte de crédito. Puede conseguirlo gratuitamente en annualcreditreport.com. Esta agencia puede conseguirle sus reportes de los tres mayores burós de crédito. 

Una vez que obtenga su reporte puede revisarlo para asegurarse de que no haya ningún error.

También es necesario saber su puntaje de crédito ya que para un FHA lo que algunas persona conocen como programa para primeros compradores. Para este programa se necesita por lo menos un puntaje de 600 preferiblemente de 620 (esto puede variar). Para revisar su puntaje puede hacerlo en https://wallethub.com/ esta página también es sin costo alguno.

 

Contrate un experto profesional 

Algunos compradores creen que pueden ahorrarse al comprar su casa sin representación. Pero la realidad es que el costo de su agente ya está incluido en el precio de la casa y lo está pagando el vendedor y en realidad puede resultar aun mucho mas costoso el no tener representación. Otro error común es pensar que si contratan al agente del vendedor van a ahorrarse en el precio de la casa, este también es un error ya que el agente del vendedor no está obligado a reducir la comisión total pero si a representar exclusivamente al vendedor y no velara por los intereses suyos.

Un agente experimentado no solo negociará por usted ayudándole a proteger sus intereses sino que también le podrá representar exclusivamente a usted y contestar cada una de sus preguntas durante el proceso de su compra.

Si desea recibir actualizaciones de mercado en su área, le invitamos a registrarse en nuestra revista para recibir información continua del mercado. Homesnap.com/Monica-Johnston

 

Obtenga su precalificación antes de comenzar su búsqueda

La mayoría de vendedores no consideran ofertas que no estén acompañadas de su precalificación y en algunas ocasiones también piden ver su comprobante de fondos para su pago inicial y gastos de cierre. Antes de comenzar su búsqueda es importante calificarse con un profesional de confianza. Para esto, tendrá que hablar con un prestamista. Consulte con su agente profesional el cual podrá asistirle con este proceso.

El prestamista pedirá verificación de empleo y de ingresos al igual que sus estados de cuenta y talonarios de cheque.

El proceso es fácil y rápido. Toma solamente minutos completar la aplicación. Puede hacerla en línea o por teléfono con un representante.

La lista de requisitos es la siguiente:

Requisitos para Prestamos

Conozca su presupuesto y gastos totales

Generalmente para primeros compradores el pago inicial (Down Payment) FHA es de 3.5% 

Otros de los gasto que debes considerar son:

  1. Seguro de su casa
  2. Impuestos de la propiedad
  3. Gastos de cierre
  4. HOA 

Puedes usar la calculadora general de préstamos para darte una idea de tu pago mensual. https://www.homelendersga.com/mortgage-calculators/?calc=

Una vez que tengas tu precalificación tu prestamista te proveerá una página describiendo tus gastos totales el día del cierre.

Monica Alejandra|Real Estate By Monica

The information contained herein is provided for informational purposes only. No professional relationship is being created by anyone watching this video or reading my blog. I, Monica Alejandra Johnston, am a licensed real estate agent in Georgia but not your agent and the information contained herein is not meant to solicit nor create a professional relationship with me, any entity with which I am affiliated or with Keller Williams Atlanta Partners.

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Mi casa es su casa, Uncategorized

¿Cómo pintar la puerta de la despensa?

Pintar la puerta de la despensa es una forma muy practica de adherir color a tu cocina.

Hace tiempo que estoy pensando en pintar la puerta de la cocina que da a la despensa/lavandería. Así que hoy por fin decidí hacerlo. Lo gracioso es que pensé que ya estábamos en otoño. Así que me fui de compras a comprar un par de decoraciones para la temporada y llegue a pintar mi puerta. Decidí usar una pintura que ya tenía en casa con la cual pintamos la chimenea.

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Como pueden ver, el color es un gris claro llamado Dorian Gray by Sherwin-Williams. Este color se ve diferente según la luz. En mi chimenea se ve más claro de lo que quizás se vea en la puerta de la despensa.

P​ara este proyecto solo use lo siguiente:
  • ​Paint Dorian Gray paint by Sherwin-Williams​ en satin.
  • brocha
  • cartón o tapete para cubrir el piso
Lo recomendable sería quitar la cerradura de la puerta antes de comenzar, en mi caso, tuve una dificultad técnica y me tocó pintar con ella puesta.
 
Pintar es muy fácil, en este caso como la puerta tiene líneas de textura yo pinte en dirección de las líneas como muestra la foto de enmedio en el siguiente collage.
Definitivamente recomiendo dos capas de pintura. Lo bueno es que la pintura de interior seca muy rápido. 

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Mientras la pintura secaba comencé a desempacar lo que había comprado y a decorar mi casa de otoño, pero solo hasta que mi hijo Joshua me preguntó si no era muy temprano para decorar para otoño jajaja! Para los que no saben como yo, el primer día de otoño es Septiembre 23, 2020. Bueno, en realidad solo me estaba adelantando un mes jeje. 

Pero equivocarme con la fecha de otoño era solo uno de mis errores de esta tarde, el color comenzó a secar demasiado oscuro y pronto me di cuenta que era el equivocado. Si, el color que pinte fue un Pearl Gray de Sherwin-Williams y la puerta seco así……

Ok… cuando nos equivocamos, dos veces…. Así como yo. Solo tenemos dos opciones: seguir con el plan o dejarlo como está. Pero como yo tenía en mi mente algo más claro, decidí volver a pintar…pero no ahora. Después de todo es solo pintura. El color se ve muy lindo y lo voy a dejar hasta comenzar el otoño. Más adelante les mostrare el dorian gray de SW. Por ahora se quedará así como está (Pearl Gray, Sherwin Williams)

Así que los dejo con la foto del proyecto final, por lo menos hasta que decida pintarlo de nuevo.

Hasta la proxima!

Monica Alejandra

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Perspective

my 40 day challenge

Today is Monday and it is 6:47am. I woke up at 5am today and my goal is to wake up at 4:30 everything for 40 days. Why? For me waking up early morning is not exactly about gaining more hours of the day, but it is about gaining m. Its being in the peace and the tranquility of silence. It is the time when no one is calling, it is the time when everyone sleeps. It is then, when i can hear my thoughts and when i can do what i do the most; writing!

Writing is the one thing I could do for hours, for days, for years. To me, it is so worth my time!    Something happens when I wake up early in the mornings, my days have order. I feel accomplished when I wake up at 4am even if it’s just to drink coffee read or write. It is then, when I get to organize my day in writing. It is that feeling of accomplishment that i look for. I love getting to my office at 8:30am knowing that i did my reading, my writing, my workout, had breakfast and organized my agenda and know exactly what my day should look like. So, why am i doing a 40 day challenge? because 40 is number that has been mentioned 146 times in scriptures, symbolizes a period of testing and trial.

Jesus was tempted by the devil many times during the 40 days and nights he fasted ” Just before his ministry began”

This is exactly what my soul is craving. 40 days of different habits, different thinking. Its a preparation to the next level of your life. Jesus did it before he started his ministry and the people of God did it before entering the promise land. Will it be easy? probably not!  I wouldn’t exactly call it a period of testing and trial even though it is! I would call it preparation time. This is the time to prepare for the next level, because it is time to take it to the new level. It is time to do something different, it is time to conquer your self, because someone said, ” We have met the enemy and he is us” This challenge is not for everyone, in fact is only for those who are determined to not be in the same place a year from now. Personal, spiritual and intellectual growth is a must. If success was easy, everyone would have it, and it is only given to those who are willing to pay the price for it. A pencil weighs more than a shovel. What a great way to explain that it is only paying the price upfront that you get to enjoy your future. If you know what you want, make a plan, write it down and just do it! It really is that simple, we make things more complicated than they actually are.

What is it that you want to achieve and just having been able to because you got in the way?

Is it personal growth? is it to grow your self closer to God?

Loosing weight?

Obtaining a college degree?

Hitting your sales goal?

Obtaining that job promotion?

I could say that almost all of us know and understand exactly what it would take. The question is, are you willing to pay the price? Are you willing to do what it takes to succeed? or are you only wishing that you would have it? you decide and only you because no one can make that decision for you. Even if we could, we could not bring it to pass for you.

You are in your own hands!

 

Today is Wednesday

 

 

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Don’t settle for less

Don’t settle for less Are you proud of your actions? 

Do your actions match your beliefs and values?

Are you the same person everywhere you go?

Are you compromising who you are and what you want? 

I am concerned about the damage that every day decisions can cause to your spirit. 

Follow your instinct.  Your heart can mislead you, but your spirit will alert you. Listen

to it! If it feels wrong, it might be wrong! Don’t compromise! Don’t settle for less than

what brings you complete peace and joy! Listen to the signs, don’t ignore them! Its

not worth it! Time moves forward and it doesn’t wait for you to take the right path.

You are only given so much time on this earth! Make it count! Don’t settle for less!

Use every minute to make a difference in your life and the life of others. 

Now faith is the substance of things hoped for, the evidence of things not seen.

Hebrews 11:1-3

Make a decision today! What happens if you settle for less than you dream of?

But most importantly, what would happen if you don’t! What would your life be like? There is a price to be paid for everything we want in life. You either pay with discipline or pay with disappointment..

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Commitment

Some people set up goals, others are busy doing it!” – Les Brown. What does commitment mean to you? It means to be present wherever you body is. It means to deliver your plans and promises regardless of the reasons you may have to not do it. Commitment is having a written plan of each moment of your day, month, year. Some people call it the 411 plan. I call it a vision. You must have a vision with a purpose. Commitment is having a target to hit and keeping your eyes on it, each and every moment. How do you stay committed? Let no one stop you. Let no one hold you back. Let no one delay you. Even if that ONE, is “YOU”. We have heard this before right? Yes, we have, but what does that exactly mean? 

According to the dictionary to stop means: 1. (of an event, action, or process) come to an end; cease to happen. 2. cause (an action, process, or event) to come to an end. Don’t stop for anyone and don’t allow yourself to stop YOU! Avoid comfort!!!!! Learn to recognize the signs of when you are getting too comfortable and entertaining too much.  Entertainment means: 1. provide (someone) with amusement or enjoyment.  2. give attention or consideration to (an idea, suggestion, or feeling). When you have a goal with a plan you have only two options: You either allow yourself to be stopped by others, drown yourself in comfort, pleasure and entertainment or you stick to your goals and execute the plan as written. Both of these options come with a price. You either pay with effort and reap the rewards or you pay with regret, knowing that you could have done it but chose not to.  Waste no time. Regardless of where you are in life right now, your dreams are possible to achieve! All you have to do is stay committed and keep your eyes on the target! Remember, you can always change your future, but you can’t go back in time. What really matters today is the journey and the END!

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Extraordinary

Extraordinary! Don’t allow yourself to do anything that causes you to feel shame or to not be proud of who you are! If it feels wrong, just don’t do it!  Metal is cheaper than diamonds! You are a diamond! You were born to shine, you were born to be a role model, to teach by example, to be the head and not the tail, to be above and not below, to lead the way! Remember, people will follow you no matter where you go, my question to you is, where are you leading them to?  Don’t accept anything less than extraordinary in your life.  You have been given everything you need to succeed! The knowledge, direction, people and skills. You are responsible for your life! We have no one to blame but us.  There is no difference between you and others. You have been formed the same way and given the same opportunities. It’s never too late to start! This is your season! You have waited long enough!  ex·traor·di·nar·y

1. very unusual or remarkable.

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Don’t get distracted by pain

Don’t get distracted by pain!!!!!!!

God has given us the desires of our heart. It does not mean that he will give you everything you desire, but it means that he has placed in you the desire of things you must pursue. If you want something hard enough, you have to be willing to work or fight for it! However, you must also understand that there is an appointed time for everything you want to do in life. Follow your instincts. If it’s not happening right now, do not get discouraged, it’s not meant to be right now. It doesn’t mean, “NO” it just means “NOT NOW.” If we try to force things at the wrong time we can actually damage them. Forcing childbirth early can actually kill the baby. Don’t kill your dream for not having the capacity to understanding timing. God wants to avoid unnecessary distractions in your life that could jeopardize your future and your destiny. Stay focused on your current mission, don’t get distracted by pain and feelings. Pain means fear is leaving your body. Face your fears. F.E.A.R.: False Evidence Appearing Real. Sometimes, the pain of not having what we want in life is only the fear of losing that one thing that means so much to you at the present time. If it’s meant to happen it will find you. Be willing to walk away from what you want when GOD is screaming to your heart and telling you it isn’t time yet. Sometimes, he only shows us a glance so he can start up a fire in us that will direct our vision in a certain direction. Be still. It isn’t time yet. I once heard someone say: Time is meant to weed out things that don’t belong in your life. If you are not willing to wait for it, it’s not meant to be. If time can make you change your mind, it wasn’t meant to be. But if that dream is there day in and day out, against all odds, even when it doesn’t make any sense, even when you don’t see a possible way to accomplish it, then maybe, just maybe it will be a dream worth fighting and worth waiting for! Monica Johnston