Renee Ruiz Operations Manager at Zoom Loans

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Stockton, CA
Renee Ruiz Operations Manager at Zoom Loans

Renee Ruiz with Zoom Loans, focusing on client relations and employee recruiting.

Specializes in facilitating valuable partnerships with local realtors on business growth opportunities, and actively recruits Loan Officers to work for the company.

08/05/2022

When looking for a real estate agent, make sure you do your research. Ask friends and family for recommendations. Search online and read reviews. Once you narrow it down to a few candidates, schedule time to interview them, and don’t be afraid to ask questions. Find out about their experience and market knowledge. And trust your gut — working with someone you genuinely like is always best.

08/03/2022

Move-in-ready homes with modern finishes sell first. So if you’re looking to buy, you might want to look at a slightly lower price point, where you could get a better deal and use the extra money to renovate. According to Realtor.com, this strategy also makes sense because often, listing prices are intentionally low to build interest and encourage a bidding war. If you’re looking to buy, contact us today for your mortgage pre-approval!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

08/01/2022

According to NAR, in 2021, this was the breakdown of home buyers by generation

07/29/2022

According to the Mortgage Bankers Association (MBA), “Mortgage rates are likely to plateau near current levels. The financial markets have attempted to price in the impact of Fed actions over this cycle, and they are likely also pricing in the economic slowdown that will result. Once we are past this rate spike and associated volatility, MBA expects that potential homebuyers may be more willing to re-enter the market.” Are you looking to buy? Contact us today for your mortgage preapproval!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

07/27/2022

Cash offers when buying a home are not uncommon, but even if you can afford to do it, that doesn't mean you should. Making a cash offer has benefits, such as reducing your costs over the long term. However, you'll also want to consider the opportunity cost since you could use those same funds for other purposes, like retirement, kids' college tuition, traveling, and more. So it’s wise to explore all the pros and cons before committing to an all-cash offer.

07/25/2022

If you’re a homeowner who’s wondering when the right time is to sell your home, these are the signs to look for.

07/22/2022

According to Fannie Mae’s monthly homebuying sentiment survey, the Home Purchase Sentiment Index (HPSI), 76% of homeowners say that now is a good time to sell. Then why is the current housing inventory so low? Maybe they're waiting to squeeze a few extra dollars of profit out of the deal. 47% of them think prices will continue to rise over 12 months as opposed to 23% who think prices will fall.

07/20/2022

If you’re looking to buy a new construction home, there are different construction loans to consider, including loans that strictly pay for the project and loans that convert to permanent mortgages once the home is finished. When financing new construction, the key is to lock in your rate for a more extended period, up to a year or more. Are you looking to buy a new construction home? Contact us today to explore your financing options!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

07/18/2022

Homebuyers need to be competitive in this market, and having to make compromises is expected. But one thing to never compromise on is the inspection. If you win a bid on a house that needs a costly fix and can't back out, it's not a win. Instead, bid as high as you can comfortably afford and make compromises on things like the closing date and down payment. But never sacrifice the right to inspection as a negotiation point.

07/15/2022

As time goes on, keep an eye on the housing market, especially mortgage rates. If home values are rising, you might consider tapping your home’s equity in a cash-out refinance or with a home equity line of credit (HELOC) or home equity loan. If interest rates have fallen, refinancing to a lower rate could save you money. Of course, you’ll want to weigh the pros and cons of each option. Need some guidance? Contact us today!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

07/13/2022

A mortgage preapproval doesn't mean things are set. Lenders recheck your credit, bank statements, income, and employment just before closing to make sure you can still handle the repayment. Making big purchases, taking out new loans or lines of credit, or even closing accounts can delay the closing or even decline your loan altogether. So keep your financial status quo between the time of getting your mortgage preapproval until you close!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

07/11/2022

Mortgage, insurance, and property taxes are the three primary monthly expenses of homeownership, but you'll also need to cover utilities and possibly HOA fees. Plus, it's a good idea to regularly put aside a bit of money for maintenance and unexpected repairs. Prepare to spend about 1% to 3% of your home’s value on yearly house expenses. You might need to set aside more if the home is older, bigger, or has maintenance-heavy amenities, such as a pool. If you're looking to buy a home, contact us today for your mortgage preapproval!
☎️ Call 877-738-6775
🌐 www.zoomloansmortgage.com

Address

Stockton, CA
95219

Telephone

+18777386775

Website

http://www.zoomloans.mortgage/

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