C. Ray Brower - CalDRE #01969248's Blog Posts

The Scoop San Joaquin Market Update December 2018

The Scoop San Joaquin Market Update December 2018 Call 209-762-3552 For More Information It's Still A Seller's Market In 2017 on the market there were 783 homes. December 2018 closed

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A House Is Not A Home

If a house is not a home, what's the difference? Well, to figure that out let's look at the difference between a house and a home. We'll start with the definition of a house.  The

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San Joaquin Market Update November 2018

San Joaquin Market Update November 2018Good morning, C. Ray here with Your Perfect Home Group. We're here with you our San Joaquin County November 2018 market update. There were 1332 homes

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Mortgage Interest Rates Forecast

Have you been wondering what the mortgage interest rate forecast for 2019 is? Have you been wanting to wait to buy until prices and interest rates go back down?Well, let's have a look at both of

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Do You Need 20 Percent Down Payment To Buy Your Stockton Home

Do you need 20 percent down payment to buy your Stockton home? Have you been putting off buying because that is what you believe?Well, then you need to see this. There are a number of ways for

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Are You A Stockton Millennial Female Investing In Real Estate

Are you a Stockton millennial female investing in real estate? Did you know that 18% of all home buyers in 2018 were single females? This is according to the National Association of Realtors, in

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5 Things You Should Know About The Mortgage Loan Process

Probably, one of the scariest things about buying your first home would have to be not understanding the whole process of obtaining a mortgage loan. So, what are the 5 things you should know about

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Coming Soon 8811 Cottonwood Lane The 8 Things You Should Know About This Stockton Home

The seller says these are 8 things you should know about 8811 Cottonwood Lane, Stockton, CA 95210, our coming soon listing.What was your favorite feature of the house? The family room and the

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What Is Renting Your Stockton Home Costing You

Are you renting your Stockton home? Have you been wondering what the actual cost of renting is? Do you believe that renting your Stockton home is more cost-effective than buying?We have

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Should You WaitTo Buy Your Stockton Home Based On A Higher Interest Rate

Have been thinking you are going to wait to buy a Stockton home because of the interest rate have gone up? Have you said I'm going to wait until prices and interest rates go down before I buy my

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The 5 Reasons Buying Your Lodi Home Makes Sense

If you've been thinking about buying a Lodi home. This video could be for you. In about a minute you'll learn the 5 reasons why buying a Lodi home makes sense.Most people after seeing 

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Your Stockton Home Could Have Appreciated 21 Percent

Did you know your Stockton home could have appreciated as much as 21.7% in the last year? Have you been thinking about selling your Stockton home this year? Well, now would be a great time to talk

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9 Things You Should Know About 3625 Scenic Drive Modesto CA MLS 18053852

The seller says these are 9 things you should know about 3625 Scenic Drive, Modesto, CA 95355 MLS# 18053852What was your favorite feature of the house? - The balcony at the front of the house.

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Stockton Home Ownership An Inherited Trait

Have you been thinking about buying a Stockton home? Has the thought of giving away another month's rent been eating at you every month?Home ownership is a very personal decision. And only your

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Why Are Lodi Existing Home Sales Down

Why are existing Lodi home sales down, you ask? Is it the demand for Lodi homes diminishing? Have all the existing buyers already found homes? Has the price of homes reached a peak?Many experts are

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Tracy Millennials To Tracy Millionaires

Has your Tracy apartment started to feel like a shoebox? Or maybe the room at your parent's house is starting to feel like a closet? Is it time to find a house of your own?These are all great

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The 11 Things That Are Keeping Your Lathrop Home From Selling

Is your Lathrop home listed and not selling? Have you been wondering why? One or more of the following 11 reasons could be the reason. We hope this is helpful information. You’ve Over-Valued

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The Number 1 Reason To List Your Lodi Home Today

Have you been debating whether this year is a good time to sell your Lodi home? Having trouble making that decision?Well, let's look at some facts. Home inventory in Lodi is down from 2.4 months of

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Tracy First Time Homebuyers Putting Down Less Than 6 Percent

Are you a First-Time Homebuyer in Tracy? Have you been wondering how you will ever be able to afford a down payment? Well, you can stop worrying so much.Last year in 2017, 61% of first-time

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Buying Your Lodi Home With Your VA Benefits

Are you a veteran looking to purchase a Lodi home? Did you know that you can get into your perfect Lodi home with nothing down? That’s right your VA benefits can get you into your perfect home

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Stockton Buyers Be Ready For Bidding Wars This Summer

Are you thinking of buying a Stockton home this summer? If you are, be prepared to possibly be in a bidding war on your perfect home choice.Summer is traditionally a busy season for real estate.

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What Does Location Have To Do With Your Stockton Perfect Home Price

What does location have to do with your perfect home in Stockton or anywhere else for that matter? A lot actually, we have compiled a list of the 17 things that could affect your neighborhood and

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Is The Lack Of Manteca Home Inventory Affecting Your Home Value

Is the lack of Manteca home inventory affecting your home’s value? You can be certain that it is. You may have much more equity in your home than you are thinking you do.Now that the housing

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Will Higher Interest Rate Negatively Effect Your Tracy Home Price

Have you been wondering if these rising interest rates were going cause your Tracy home value to depreciate? Is this summer the time to sell our first Tracy home and move up into a larger Tracy home

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What Are 5 Best Reasons To Sell Your Stockton Home This Summer

Have you been thinking of selling your Stockton home this summer? Would you like the 5 reason why listing your Stockton home this summer makes sense?1. Demand Is StrongThe National Association of

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Will Rising Interest Affect Your Lathrop Home Purchase

In the latest Primary Mortgage Market Survey, put out by Freddie Mac, showed that the interest rates  were still at near record lows compared to recent history. The current

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Good Access To Your Manteca Home Could Help You Sell Faster

So, you've decided that it's time to sell your Manteca home. Whether you are upsizing or downsizing, it does not matter. The fact is you're ready to sell and you want the most money out of this sale

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Should You Do Home Inspections Prior To Listing Your Lodi Home

Are you getting ready to sell your Lodi home? Have you been looking around your Lodi home and realizing that you need to do a few things to get it ready to sell? Where do you start and

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What Are The 4 Reason San Joaquin County Is Not At 2006 Bubble Trouble

Even though CoreLogic’s national home price index got to the same level it was at the prior peak in April of 2006, once you account for inflation over the ensuing 11.5 years, values are still

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Do You Need To Be Married To Buy A Lodi Home

One of the urban legends about buying a Lodi home is that you need to get married before you buy.The National Association of REALTORS recently published their Profile of Home

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Why Are Stockton Home Prices Rising So Fast

One of the questions we get a lot is, “Why are Stockton home prices still on the rise?” And the answer to that question is really quite simple. There are way more buyers that

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10 Things Not To Do In Escrow On Your Manteca Home

So, you have made it through all of the hurdles of getting pre-approved and choosing your Realtor. You've been out and looked at several Manteca homes. You found your perfect Manteca home and your

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Be Glad You Are Not Paying Interest Rates Of Yester Year

I am sure we have all heard that interest rates are going up and then down and then up and then down.  I frequently talk to clients that are concerned about interest rates.  There are

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A Trip Down The Real Estate Market Memory Lane 15 Years Of Real Estate History

All too often I am hearing that people expect another market crash to happen soon.  Yet there is no evidence of it in the real estate market nor any evidence in the economy.  There is

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7 Tips To A Successful Lodi Home Remodel

Have you been thinking about remodeling your Lodi home? Have you been remembering the movie called “The Money Pit?” It was a great comedy about the pitfalls of buying and remodeling a home. Are

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March Ramblings On Real Estate For 2018

According to the calendar we are approaching spring.  Yet we are starting to get much needed rain and snow all of a sudden.  And we are all recovering from Day Light Saving time. 

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Have Lodi Home Become Over Inflated

Have you been wondering if the homes in Lodi have reached their peak of appreciation? Do you think that they have become overinflated? Let's look at the historical data because these statistics

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Staging Your Lodi Home To Sell

By properly staging your Lodi home to sell during what is supposed to our winter months. Even though it is hard to believe it is winter with these mild temperatures we have been having. By

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How Long Does It Take To Buy A Stockton Home

How long will it take to buy to buy your Stockton home? That’s a common question, especially if you are trying to schedule your home purchase at the end of your rental lease.

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David Bach Says Lodi Millennials Should Buy Their Lodi Home Not Rent

Are you a Lodi Millennial who has dreams and aspirations of becoming a Lodi Millionaire? Then, maybe you should be reading and taking the advice of David Bach. Who says that to go from millennial to

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Whether You Rent Or Buy In Manteca Either Way You Are Paying A Mortgage

Have you been paying rent in Manteca, thinking that you don't want or have to pay a mortgage? And you don't want to have to pay for any repairs and upkeep on your own property. We hear from people

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Is Stockton Home Ownership Part Of Your American Dream

Are you like many Americans and believe that homeownership is an important part of the American Dream? Are you planning on buying a Stockton home in 2018?The results coming from NeighborWorks

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Can An Unmarried Couple Buy A Stockton Home

 Just the other day a couple was asking if they had to be married to buy a Stockton home they had just seen. Back in the day, most couples would get married and then start making major

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Tracy First Time Home Buyers Mortgage Questions Answered

One of the questions we get all the time is, "What credit score do I need to get a first time home buyer mortgage in Tracy?". Another one is, "How much mortgage can I qualify for as a first time

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Staging Your Stockton Home To Get It Sold

One of the most important things you can do to get your Stockton home sold could very well be staging. Yes, selling your Stockton home is really no different than selling any other

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How Buying A Tracy Home Could Greatly Increase Your Families Wealth

Have you been thinking of buying a Tracy home? Has the thought of buying a Tracy home scared you a little bit? What if you knew that over the next five years your investment in your Tracy home was

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Is Owning A Stockton Home Your American Dream

Is owning a Stockton home could be part of your American dream? And if it is, is 2018 the year you are going to make your American dream come true? If so, read on.One of the biggest parts of the

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Renting In Stockton Still More Expensive Than Buying

Hardly a day goes by that we aren't asked if now is a good time to buy a Stockton home. Or if renting is cheaper than buying. Another great one, we just heard a few days ago. I wanted

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Your 4 Real Reasons To Buy A Tracy Home

What are your real reasons for wanting to buy your Tracy home? While we have talked about all the financial reasons why buying a home makes lots of sense. We have found that the emotional

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Are You Stuck In The Lodi Rental Market Trap And Want Out

So, you have found yourself in the Lodi rental market trap. And you have decided that you want out. You have been researching the many benefits of homeownership. And now you have

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Are Your Friends Telling You Not To Buy A Tracy Home

Have you been thinking that this is the year you and your family was ready to quit renting and that now is the time to move into ownership of your own Tracy home? And are you hearing from your

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5 Tips For Selling Your Manteca Home This Winter

Should you wait until spring to sell your Manteca home? There are lots of reasons why winter is considered the wrong time to sell your home. A couple of them would be ice and snow. Oh yeah, we

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Waiting To Buy Your Stockton Home Until 2018 What Will It Cost You

You’ve decided it time to buy a Stockton home. And you’re thinking that it’s going to be sometime in 2018. Whether you’re a first time home buyer or you’re moving up to a luxury home

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Why PreApproval Is So Important When Purchasing Your Stockton Home

As you start your search for your perfect home in the Stockton real estate market, the most important thing you can do is get yourself pre-approved. You may be asking yourself. Why? Well, the

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Should Lathrop Baby Boomers Rent Or Buy Their Downsize Home

So you’re a Lathrop Baby Boomer and you bought your first home years ago. As the family grew you needed more space and you sold and bought your move up home. Now the kids are gone and you’re

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Tracy Millennial Buyers Have Found Out About Down Payment Assistance Programs

Are you like many other Tracy Millennial home buyers? Wondering how you’ll ever be able to save enough money to be able to stop renting or living in your parents home and get your own

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How Low Interest Rates Affect The Purchase Of Your Lodi Home

Do you know what a rise in the interest rate would do to your ability to purchase you Lodi home? Well, let’s look at some facts and find out. Because, as interest rates rise your payment rises.

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Best Reason To List Your Stockton House Today

Have you been thinking you would list you Stockton house for sale this coming spring? Why not unlock the cash equity that you have been building up?Traditionally, the myth is that the

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Manteca Home Loan Paperwork Why Is There So Much

So, you’ve decided to buy that perfect Manteca home. You have started the pre-approval process and now you’re underneath a mountain of paperwork. Why is there so much paperwork that 

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Want To Know The Real Reason Lodi Home Prices Continue To Raise

Almost every day I get asked are home prices going to continue to raise? Do you think we are headed for another bubble bust like in 2007? Or I get told, “I heard this may not be the time to

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Are You Looking For The Truth About Stockton Home Affordability

Have you been asking yourself if you can afford to quit paying rent here in Stockton and purchase your perfect home here in Stockton? Well, we’re here to give you some facts about why now is

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Not Owning Your Stockton Home Is Costing You Money

Even though many people continue to rent their home here in Stockton, the fact is that owning a Stockton home has great financial benefits. So, let’s have a look at the 

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Are Lathrop Home Mortgages Getting Too Easy To Get

Who can forget the real estate bubble burst of 2007? And do you remember what was the cause of that burst? Credit to buy homes was too easy to obtain. And for a while, thereafter credit was

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11 Mortgage Mistakes That Could Stop Your Lodi Home Purchase

As a first-time home buyer in Lodi, you will be surprised at just how many things can go wrong with your home purchase. After you may have obtained your loan pre-approval, you have found a home you

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What Are The 9 Things Your Stockton Homeowners Insurance Will Not Cover

You would think your home insurance policy would cover everything that happens to your Stockton home. Wouldn’t you? Well, it does not. And since we don’t want you to be

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Why Today Is A Great Time For Stockton Renters On A Budget To Buy A Home

Have you been living paycheck to paycheck? Have you found there to be more month than there is money? If you have been struggling with finances, now could be the perfect time for you to buy a

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Your Top 4 Lathrop Home Renovations For Highest ROI

So, you're thinking of buying a Lathrop home for the first time, selling your Lathrop home, or you are planning to stay a while. It really doesn't matter which one of these categories you fall into.

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Your Lodi Home Is Not Selling Here Are 11 Possible Reasons Why

So you’ve put your Lodi house on the market and you were hoping it would sell quickly. You know you've put lots of money into the improvements to the house since you bought it to make it into your

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Are You Feeling Stuck In Your Stockton Apartment

When it comes to buying a home do you feel like these ladies in the pictures below? Like you're sinking in quicksand or just stuck in the middle of a big old mud puddle. Are you looking for answers

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Home Ownership In San Joaquin County Makes Cents Today

Home Ownership In San Joaquin County Makes 'Cents' TodayThere are as many personal reasons for owning your our home in Stockton, Lodi, Tracy, Manteca, Lathrop, or any of the other communities in San

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Is The Stockton Real Estate Market Approaching Another Bubble

We get asked often, if this is a good time to buy a home, here in Stockton and San Joaquin County. And my response is, there is never a bad time to buy a home. Although, there are bad times to buy

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Are You Getting Ready To Buy Your First Home

So, the last few days we’ve talked about how you’re either paying your own mortgage or someone else’s. And then about what fears were holding you back from buying your own home. Now what?The

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Are Your Fears Stopping You From Applying For A Mortgage

Fear of the unknown is one of the biggest reasons we all stop short of many of the things we want or need to do. And yet, most of our fears are completely unfounded. When we actually get all the

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Are You Paying Your Mortgage Or Someone Elses

Some of the most common things we hear from people are “I’m just going to keep renting because the cost of owning my own home is too high!” Or there is “I don’t want to have to pay for

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One Of The Top 10 Real Estate Agents

In case you missed it, I've been awarded the honor of being one of the Top 10 Real Estate Agents in California for Exceptional and Outstanding Client Service for 2017. And it is now official

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Is This The Perfect Time To Buy A Luxury Home

We have been talking about the mismatch between the type of inventory of homes for sale and the demand of buyers across the country and how it was causing the formation of two markets.What do

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Number 1 Tip For Millennials To Building Wealth

Buying a home is the best investment in you and your families long-term wealth. With that being said you also have to make sure and maximize that investment potential.With that being said,

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5 Top Reasons To Sell Your San Joaquin Home In 2017

Have you been thinking about selling your San Joaquin County home for the first 3 quarters of 2017, and still haven't put it on the market? Well, here are the top 5 reasons you should hear so you

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4 Top Reasons To Buy In Stockton This Year

Here are the top 4 reasons why this is the year to buy a home Stockton, CA.And why if buying a home is in your future, that Today Is The Day.1. Prices Will Continue to RiseThe bottom in home prices

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San Joaquin County Homes For Sale

We are happy to bring you our first Monday Morning Market Madness Update. We will be updating you every Monday on the status of the real estate market here on San Joaquin County. We hope you

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Contra Costa County Homes For Sale

Here is our first Monday Morning Market Madness Update for Contra Costa County. We are in a serious Seller's Market right now as you'll see in this video. This update will always be for

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Homes For Sale Inventory Is At A 30 Year Low

That's right, the current homes for sale are at a thirty-year low. Why is this, you may be asking? We believe the reasons are varied by regions. Overall, though, the main reason is that the

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Selling Your Home Here Are 20 Tips To Getting Ready

When we are talking with home owners about selling their home, one of the things we almost always get asked is, "What do we need to in order to get our home ready to sell?" We commonly

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Is Stockton CA The Place To Be Renting Today

One of the questions I get all the time, "Is this a good time to buy a home?" I almost never hear "Is this a good time to rent?" You know why that is?  Because, there are few times

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Budgeting For The Hidden Expenses Of Buying A Home

Whether you're buying your first home or your it's time to move up or downsize. Budgeting for that purchase of your perfect home can be hard enough when you're simply weighing home loan choices and

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Would You Like Your Backyard To Be A Paradise This Summer

I recently read an article about the 8 ways to turn your backyard into a summer paradise. You can read the entire article here Backyard Summer Paradise. To summarize the article, the 8 place to look

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75 Percent Of Homeowners Believe Today Is A Good Time To Sell

The National Asociation of Realtors just released their second quarter report Q2 Homeownership Opportunities and Market Experience (HOME) Survey. And we find some of the results astounding.

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Why 2017 Is The Perfect Time To Move Up Into A Luxury Home

Have you been thinking about moving up into a luxury home? There may be no better time than right now. Why you, are asking? Well, the luxury market is just about the only market nationwide that is

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Why You Should Buy A Home This Year

Several times a week we get asked that question, in one form or another. If you've been asking yourself that question and you would like some straightforward answers. Today's post is just what

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Tracy CA Homes For Sale

Have you been looking high and low for the perfect home? Are wanting to buy your first home, in Tracy? Or are you wanting to move up or downsize your current home?Let me guess, you have been

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How Much Down Payment Is Required To Purchase A Home

I recently read an article about a survey conducted by Genworth Financial Inc. They conducted that survey with mortgage professionals at the Annual Mortgage Bankers' Association Secondary Market

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Del Puerto Canyon Sierra View Patterson CA

Behind the gate of this hideaway in the California coastal foothills, you will find the seclusion from the hustle and bustle of city life. This property already has a small building pad leveled

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Del Puerto Canyon Property Racehorse Dam Patterson CA

Have you been looking for a country getaway? Well, you have just found it behind the gate of this hideaway in the California coastal foothills, you will find that seclusion from the hustle and

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Your Real Estate Needs Are Our Only Concern

Good Morning,We want to welcome you to the official launch of our new website and platform.  Our goal is to provide you with a place you can return to often to find out the latest news

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