Our mission is to provide our clients with the best possible real estate experience. We strive to exceed expectations and provide exceptional customer service every step of the way.
Fulfilling the American dream, living the dream® of owning your own real estate property. If you are ready to live the dream® this is the site for you.
We are here to help answer questions and get you to the right programs to acquire and maintain real estate properties. Our national reach gives you a robust understanding of the plethora of programs available to maximize your objectives without breaking the bank. You will see that real estate, financial, and insurance programs exist from the federal government, the private sector and even non-profits to help you live the American dream of ownership. So, let’s get started!
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Come on in, the real estate water is nice and warm. Now is the right time to reach for the stars; now is the time to Live the Dream®
If you are a seasoned buyer you can click on the icon at the top of this page to conduct a search of available real estate properties nationwide. Once you have found a property of interest, just contact us and we’ll make sure to connect you with a real estate professional expert who can make arrangements to view the property, make an offer, and get you into that dream property in no time.
As you know, in order to successfully complete a real estate transaction you will need to build a team around you. We can help with that, too! Peruse our site to learn about the financial and insurance experts we’ve partnered with to help you Live the Dream®. We’ve provided links whereby you can get estimates and get you the right package at a good price (we may received a referral fee from these programs).
Are you a first-time buyer? No worries. You’ve come to the right place. We recommend that you scroll down to Discover The Path
education section where we have compiled a vetted list of reputable educational programs, some even offering certificate of completion documents that, in turn, will open up a series of extra financial benefits to you so that you can begin Living the Dream® in financial comfort.
Launched in 2014, HomeReady® is the branded name of Fannie Mae’s 3 percent down, low down payment mortgage loan. This is an excellent affordable mortgage program for low-to-moderate income first-time home buyers.
BofA is putting its money where its heart is by working with the Affordable Loan Solution® mortgage. This program provides solutions for modest-income and first-time homebuyers, including affordable mortgages, grant programs, resources and expertise including a 3% down payment program. Click the link below to learn more.
https://www.bankofamerica.com/mortgage/affordable-loan-solution-mortgage
Although some lenders may require downpayments if you use the VA home loan guaranty, the VA does not require a downpayment when you work through them. In addition, VA loans often have no closing costs and no need for Private Mortgage Insurance (thus No money down, No closing costs)!
The first step is to get the VA-backed home loan Certific
Although some lenders may require downpayments if you use the VA home loan guaranty, the VA does not require a downpayment when you work through them. In addition, VA loans often have no closing costs and no need for Private Mortgage Insurance (thus No money down, No closing costs)!
The first step is to get the VA-backed home loan Certificate of Eligibility (COE). This link will direct you to the simple but important steps of getting your COE. Once you have you COE you can return to our site and select one of our approved lending programs. And thank you for your service to our country!
https://www.va.gov/housing-assistance/home-loans/home-buying-process/
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to remain in their homes or supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage (HECM), and is only available through a Federal Housing Administration (FHA)-a
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to remain in their homes or supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage (HECM), and is only available through a Federal Housing Administration (FHA)-approved lender. The HECM is the FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity to use for home maintenance, repairs, or general living expenses. HECM borrowers may reside in their homes indefinitely as long as property taxes and homeowner's insurance are kept current.
https://www.hud.gov/program_offices/housing/sfh/hecm/hecmhome
Looking for downpayment assistance? Closing costs can be pretty intimidating. There are programs available to you whether this is your first purchase or an experienced veteran in real estate. The good news is that we know about many of them such as the America Home Grant Program. Just let us know.
Mercedez was born & raised in southern California. Always eager to be the best & help others she was a varsity cheerleader in high school and graduated from the University of Redlands receiving the prestigious Outstanding College Student of the Year Award in 2021.
Mercedez has been active in real estate as a transaction coordinator for over 6 years and is now an active real estate agent helping first-time home buyers as well as seasoned sellers have a successful real estate experience.
Coldwell Banker Town & Country
CalRe Lic# 02230563