THE REAZ BLOG
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Practical education for smarter real estate decisions.
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You may think the biggest decision when buying a Buena Park home is choosing the right property. Under California’s updated buyer representation rules, another decision can affect your control, costs, and peace of mind much earlier: understanding the agreement you...
La cifra que muchos compradores de primera vivienda buscan no es necesariamente el precio máximo de una casa. La pregunta más importante es otra: ¿cuánto de tu ingreso mensual puede comprometerse en deudas sin poner en riesgo tu estabilidad? Rony Velasquez, Real...
A buyer may earn enough to make a mortgage payment every month and still be told that the payment is too high. The reason often comes down to one number: the debt-to-income ratio, commonly called DTI. Rony Velasquez, Real Estate and Mortgage Broker, Realtor, and...
La mayoría de los vendedores primerizos piensa que el primer paso es elegir un precio. Pero la decisión que puede proteger mejor su patrimonio ocurre antes: entender qué debe preparar, qué debe revelar y cuánto dinero podría recibir realmente después del cierre. Rony...
The most important number when selling your Buena Park home may not be the listing price. It may be the amount you actually keep after the mortgage payoff, negotiated costs, repairs, credits, taxes, and fees are deducted. That gap between a home’s advertised price and...
¿Y si tu historial financiero demuestra responsabilidad, pero todavía no aparece un puntaje de crédito tradicional? En 2026, algunos compradores en California podrían tener una alternativa: demostrar su comportamiento de pago mediante crédito no tradicional y otros...
What if the number you think decides your mortgage application is not the only way a lender can evaluate your payment history? Rony Velasquez, a Realtor, Real Estate and Mortgage Broker, and Mortgage Loan Originator with a DRE license since 2004, more than 22 years of...
The most important number in an investment property loan may not be your salary. It may be the relationship between the property’s expected rent and its monthly housing costs. Rony Velasquez, Real Estate and Mortgage Broker, Realtor, and Mortgage Loan Originator, has...
The income number that helps you qualify for an investment property may not be your salary. Why can one investor with modest taxable income qualify for a rental property while another investor with a strong salary struggles with traditional underwriting? The answer...
Gancho: ¿Dejar de pagar es realmente el primer paso? Muchos propietarios de Buena Park creen que deben dejar de pagar su hipoteca para poder solicitar una modificación de préstamo. La realidad es más cuidadosa: esperar demasiado puede reducir tus opciones, mientras...