Buying a Home? How the Serenity Prayer May Help

Now is the time to buy the house you have been dreaming of. Home Owners are more optimistic about selling right now and are putting their houses on the market. I have dealt with all types of financing for real estate transactions but now just do Hard Money financing.  This type of loan can salvage many transactions in progress as well as help those who don’t qualify for conventional financing.  It’s just less hassle - for the Home Buyer and Seller.

 

If you have been turned down by a bank or other Lender for a home loan - due to bankruptcy, condition of property, recent foreclosure or short sale or just need a fast loan - locate your local Hard Money Lender and they should be able to help.  Also, not many home owners are aware of a Bridge Loan but you can get this loan to help you buy another home while also working to sell your current property.

I hope you find the below article helpful in selling or buying in 2014!

Best, Forest
Owner/Hard Money Lender - The Guy in the White Hat
www.sunpacmortgage.com
CA BRE Broker known as “The Guy in the White Hat” of Sun Pacific Mortgage & Real Estate - Your Northern CA Hard Money Lender since 1988.   BRE license #01464899/NMLS #360993

Buying a Home? How the Serenity Prayer May Help
By: KCM Crew

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You may be frustrated while attempting to buy a home in today’s market. You may feel powerless to the process. How could YOU possibly know whether the current good news about housing will continue? There is no doubt that today’s real estate market is extremely difficult to navigate. However, we want you to know that thousands of homes sold yesterday, thousands will sell today and thousands will sell each and every day from now until the end of the year.

It is totally within your power to decide whether it is the right time for you and your family to move. Even in the current market.

“How?” Let’s look at the simplicity of the famous Serenity Prayer and apply it to buying a home in today’s real estate market.

“God, grant me the serenity to accept the things I cannot change; courage to change the things I can; and wisdom to know the difference.”

Accept the things you cannot change

The two main concerns many talk about when discussing the housing market are:

  1. the current lack of inventory impacting housing prices
  2. the impending raise in interest rates

As an individual, there is very little you can do to impact either of those two situations. The best think-tanks in the country are struggling to discover what impact each of these items have on real estate.

Have the courage to change the things you can

Whether you are a first-time buyer or a move-up buyer and you believe now is the right time for your family to purchase a home – DO IT! Prices will only be higher later this year and though interest rates are rising they are still at historic lows. That means that your monthly housing expense will still be lower than almost any time in the last 50 years – and probably lower than your current rent payment.

The wisdom to know the difference

With the winter ending, the outlook on inventory is positive. Sellers will look to come out of hibernation and list their homes. The question is whether or not it makes sense to delay moving on with your life until everything gets ‘better’. Should you not buy a house and enable your kids to attend the school you have already decided is best for them? Should you spend another winter up north even though your doctor recommends you move to a climate better suited to your current medical situation?

This is where your wisdom must kick in. 

You already know the answers to the questions we just asked. You have the power to take back control of the situation by moving forward. The time has come for you and your family to move on and start living the life you desire. That is what truly matters.

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