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Valentine’s Day occurs every February 14 around the world, and candy, flowers and gifts are exchanged between loved ones, all in the name of St. Valentine Valentine greetings were popular as far back as the Middle Ages, though written Valentine’s didn’t begin to appear until after 1400. By the middle of the 18th, it was common for friends and lovers of all social classes to exchange small tokens of affection… Read More »All that we are, arises with our thoughts. | Happy Valentine’s Day

Avg Californian first-time buyer age: 49 years old Financial limits drive California's homeownership gap with the nation.

2024 Expectations: – ↑ Inventory -Moderate price appreciation -Improved housing conditions with slight relief Realtor.com predicts diverging trends: -SF area: ↓ 0.8% in sales and ↓ 5.2% in prices -San Jose: ↓ 18.5% in sales but ↑ 3.1% in prices

1. Carefully Time Your Preapproval Application – Validity: Typically 60-90 days – Preapproval signals readiness to sellers and streamlines process 2. Choose A Mortgage Lender – Explore rates and costs online – Consider prequalification/preapproval from multiple lenders

恭喜發財. Wishing you prosperity. Lunar New Year, is the most important celebration observed in China, with cultural and historic significance.The New Year celebration is centered around removing the bad and the old, and welcoming the new and the good. Traditional activities include reunion dinner, cleaning houses, visiting family members, setting off firecrackers and fireworks, and doing some religious practices. May the New Year bring many good things and rich blessings… Read More »All that we are, arises with our thoughts. | Happy Lunar New Year

Problem: – California farmworkers face a housing shortage, especially during off-seasons. Solution: – The state provides 24 seasonal migrant housing centers, offering affordable housing from April to November.

-Clearlake: Scenic, outdoor activities like boating, fishing -Bakersfield: Vibrant city, country music scene, diverse industries -Fresno: Diverse housing, agriculture, educational opportunities -Eureka: Fishing industry, educational options

Affordability challenges persist in high-cost states like California. California ranks 1 in the US for high rental costs.

California is increasing down payment assistance for first-time homebuyers by $250 million. Changes to the program include a lottery system instead of first-come, first-serve, and a focus on reaching a more diverse group of borrowers. The program aims to help those with steady income and decent credit scores, and has income eligibility thresholds. The state is also planning an outreach campaign to inform potential homebuyers about the program. Continue to… Read More »Down payment assistance for homebuyers relaunches with new lottery