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Live The Dream®

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Live The Dream® Today

Live The Dream® TodayLive The Dream® TodayLive The Dream® Today

Discover your complete path to live the dream -- Real Estate, Financial Planning & Investments, and Insurance

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Contact us today: info@LiveTheDreamTeams.com

Live The Dream® Today

Live The Dream® TodayLive The Dream® TodayLive The Dream® Today

Discover your complete path to live the dream -- Real Estate, Financial Planning & Investments, and Insurance

Search Properties

Contact us today: info@LiveTheDreamTeams.com

The wizard of wall street recommends investing in a Vangaurd ETF!

The wizard of wall street recommends investing in a Vangaurd ETF!

The wizard of wall street recommends investing in a Vangaurd ETF!

The wizard of wall street recommends investing in a Vangaurd ETF!

The wizard of wall street recommends investing in a Vangaurd ETF!

The wizard of wall street recommends investing in a Vangaurd ETF!

When Warren Buffet speaks, people listen

 The Oracle of Omaha suggests most investors put money in a low-cost fund that tracks the performance of the S&P 500.

Click to view news article

Live the dream® in real estate

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.  

You've Come to The Right Place

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!

Our Services

Subscribe to our mailing list for updates on the wide range of real estate programs we offer, ranging from programs for first-time homebuyers & financing packaging initiatives, to closing costs, warranties and insurance opportunities. 

Live the Dream® in Real Estate

Now is the time to live your dream

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®

For the experienced real estate buyer

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). 

For the first-time buyer

  

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.

Live the Dream® with premium quality insurance

Homeowners Insurance -- Overview

  

When you purchase a home you will need insurance to go along with it, especially if you purchase with a low downpayment. Insurance policies (like an HO-3, for example) offer financial protection for your home and property against damage. Insurance policies typically include dwelling coverage such as the structure of your home and any other attached buildings, like a garage or porch. They often include other structures you may have on your property like your fence. Policies like an HO-3 policy can provide coverage if your personal property, like clothing or furniture, is destroyed. You also want to make sure your policy offers some personal liability coverage if someone hurts themselves on your property.


We recommend the following two sites for great & safe insurance initial estimates, or we can conduct an initial needs assessment to narrow in on specific options for you.

Insurance via Bankrate

Bankrate provides a great home buyers insurance quote: 


https://www.bankrate.com/insurance/homeowners-insurance/first-time-homebuyer-insurance/

Insurance via Forbes Brokerage

Forbes provides a more robust (but a little more expensive) selection.  If you are looking for the best of the best, this is how we will help you find it:


https://www.forbes.com/advisor/homeowners-insurance/best-homeowners-insurance-companies/

Live the Dream® in Finance

HomeReady® with Fannie Mae

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

Affordable Loan Solution® mortgage with Bank of America®

  

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.

 

https://yourhome.fanniemae.com/buy/homeready

Affordable Loan Solution® mortgage with Bank of America®

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

Affordable Loan Solution® mortgage with Bank of America®

  

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

No-No VA loans for US Veterans

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

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/ 

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

FHA Loans for Seniors – The HUD Home Equity Conversion Mortgage (HECM)

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 

Closing Cost Help

Live the Dream® with Grants & Subsidies

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.


Bank of America America Home Grant Program®

Discover the Path to Live the Dream®

BofA First-Time Homebuyer Online Edu-Series®

BofA First-Time Homebuyer Online Edu-Series®

BofA First-Time Homebuyer Online Edu-Series®

Prepare to buy your first home with Bank of America's First-Time Homebuyer Online Edu-Series®

Explore this program now

Fannie Mae HomeView® Program

BofA First-Time Homebuyer Online Edu-Series®

BofA First-Time Homebuyer Online Edu-Series®

  

Fannie Mae has developed a special educational program, HomeView®, that culminates with a certificate which, in turn, opens up a wealth of extra programs and subsidies available to you to live your dream.

Explore this program now

Freddie Mac’s Homebuyer U Program®

BofA First-Time Homebuyer Online Edu-Series®

Freddie Mac’s Homebuyer U Program®

  

Want to take a deep dive into homeownership? Freddie Mac will grab your hand and walk the whole way with you if you dare with it’s Homebuyer U program. In fact, once you have completed this program you will qualify for low downpayment programs and subsidies through the HomeOne® or Home Possible® mortgage programs 

Explore this program now

Freddie Mac CreditSmart® Program

Educational Videos from US Veteran Affairs

Freddie Mac’s Homebuyer U Program®

Freddie Mac has created a course that helps you understand credit ratings, how they work and how to improve it.

Explore this program now

Educational Videos from US Veteran Affairs

Educational Videos from US Veteran Affairs

Educational Videos from US Veteran Affairs

While we can help you participate in the VA loan program it never hurts to watch this series of short 3-minute educational videos on your home loan benefits as a veteran.  We recommend you start by watching the following video: ‘Using your VA Home Loan Benefit: Where to Start.’  And thanks again for your service!

Explore this program now

Individual state educational programs

Educational Videos from US Veteran Affairs

Educational Videos from US Veteran Affairs

Most states offer specialized programs that we can connect you with, such as the   

Dream For All Shared Appreciation Loan which is a down payment assistance program for first-time homebuyers to be used in conjunction with The Dream Program in the form of a silent second to cover up to 20% for down payment or closing costs, not to exceed $150,000!!

Upon sale or transfer of the home, the homebuyer repays the original down payment loan, plus a share of the appreciation in the value of the home.  This means no out-of-pocket downpayment for you!


Check out these short educational videos on this particular program.

Explore this program now

INVESTING

Section Overview

  

Living the dream® is being able to live in the moment. It means you’ve invested wisely and are at a moment in time when you can enjoy life, comfortably & safe -- comfortably & safe, emotionally, physically, and yes, financially. The good news is that it’s never too late (or too early) to begin on your quest to live the dream®, and realize that few get there by accident. It takes planning & executing that plan wisely. That’s where education comes in. You have to build a solid investment team around you, so knowing what questions to ask and how much you can trust them (i.e., are they a fiduciary) is critical to your success. So let’s start on this journey to living the dream®.  

This section has four parts: Financial Planning, Investments, Regulators, and Careers in Investing.

  

In the investment world it is common to begin by understanding what investment advisors, wealth managers and financial planners typically do. All of these groups help you invest but some are more regulated than others, and specialize in different investment instruments. Investment advisors provide you with personalized advice tailored to your goals and risk tolerance. They can help you select investments, rebalance your portfolio or manage your entire investment portfolio. Most offer brokerage services, too. If you’re looking for broader financial advice on your entire life, such as retirement planning, you might want to start off by adding a financial planner to your team.

How to build wealth by Forbes Magazine

Investing to Live the Dream®

Financial Planning

Financial Planning

Financial Planning

  

Financial Planners generally take a holistic approach, advising you about every aspect of financial well-being. When you hire a financial planner be ready to discuss everything from budgeting, emergency savings, college funds (for you and your children), retirement lifestyle goals, and so on.

Based on these conversations, financial planners will then recommend investment or insurance instruments (or products) to you. There is a very wide variety of different services and offerings financial planners offer but they are known as investment specialists in Retirement Planning, IRAs (including Roth IRAs), and 401(k) related investments. 

Many individual retirement account (IRA) instruments are tax-advantaged investments so that the money you invest grows either tax-free or tax-deferred. Before jumping into an IRA though a financial planner might ask you if your employer offers 401(k) investments with a company match sometimes as high as $1-for-$1 up to a certain amount!

If you are ready to live the dream® by playing the long-game in investments you should consider begin interviewing potential financial planners today. 

Wiseradvisor, for example, provides a comprehensive list of financial advisors throughout the country. They help match you with a few financial advisors near you that you can interview. Be sure to find out which professional designations the advisors hold (see section Regulations for more information on professional designations) which carry various levels of responsibility to you. For example, not all advisors are fiduciaries. Check them out as www.wiseradvisor.com.

While Financial Planners are known as investment specialists in Retirement Planning, IRAs (including Roth IRAs), and 401(k), Investment Advisors are known as investment specialists in stocks, bonds, mutual funds and ETFs. 

10 questions to ask before selecting a financial consultant

Investments

Financial Planning

Financial Planning

  

An investment advisory firm is called a Registered Investment Advisor (RIA), and employees of an RIA who work as advisors are called Investment Advisor Representatives (IARs).

IARs offer an assortment of investment products but specialize in stocks, bonds, mutual funds and ETFs. If you aren’t already familiar with these types of investment products, it’s worth spending a little time reading up on them (You can’t go wrong with Investopia when trying to get an overall of a new financial topic like investing. For a great description of the fundamentals please click on the link below)

Stocks are equity shares of ownership in a corporation. When you buy stock, you buy ‘a share’ and you own a tiny slice of that company. Bonds are a little more intimidating but they are basically debt instruments. They are issued by a company to get funds to build a new store or a government to support K-12 schools. Much like a stock, investors can buy a piece of a bond in which the issuer promises to pay your money back, with interest.  Credit rating agencies like Moodys will provide a credit rating on these bonds to help investor advisors and direct investors better quantify the riskiness of most bonds for sale.  Investopia defined Mutual Funds perfectly as “pools of securities—often stocks, bonds, or a combination of the two.  When you buy mutual fund shares, you get a slice of the entire pool. Mutual funds also vary in risk, depending on what they invest in” (Investopia).  Exchange-Traded Funds (ETFs) are newer investment products in the market. They are similar to mutual funds in that you are investing in an entire portfolio of securities, but ETFs are actually listed on stock market exchanges so they can be freely traded like stocks. Popular EFTs are ones that track major stock indexes like the S&P 500, or asset classes like real estate.

Before investing consider carefully your investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting the investment advisor but you can contact us for assistance in obtaining them as well. 

Popular self-directed investment programs include The Merrill Edge Self-Directed which was awarded No. 1 Overall Client Experience and received an overall rating of 4.5 out of 5 stars from StockBrokers.com. If you are just starting off though, it makes a ton of sense to add an investor advisor to your living the dream® team.

Investopedia -- Simple steps to becoming a millionaire

Government & Industry Regulators

Government & Industry Regulators

Government & Industry Regulators

  

Knowing your rights as well as the responsibilities of your investment consultants are critical elements in your pursuit of living your dream® someday. 

Investment Managers – those who manage $110 million or more in client assets must register with the U.S. Securities and Exchange Commission (SEC). Those who manage less than $110 million in client assets register with the securities regulator in the states where they do business. Fiduciary investment adviser firms are also members of Investment Advisor Association: 

Registered Investment Advisors – these are regulated by FINRA & the SEC. They have a fiduciary duty to their clients, meaning they must act in their clients’ best interests. In other words, a registered investment advisor must recommend the best investment products and services for each individual, not the products that pay them the highest commissions or fees. For information about the investment brokerage, including to see whether there have been any formal complaints filed against your prospective broker, go to the SEC website (www.investor.gov), The Financial Industry Regulatory Authority (www.finra.org) or The Investment Advisor Association (www.investmentadviser.org).

Financial planners – Since there are a very wide variety of different services and offerings among financial planners there are specific no federal or state authorities who necessarily directly regulate all of them. Equally important, it can be assumed that a financial planner is likely not a fiduciary. However, if a financial planner uses a particular professional designation, that designation usually represents a higher degree of financial training and often increases the level of responsibility given to you. For examples, financial planners who are registered with The National Association of Personal Financial Advisors are in fact fiduciaries. As such, you can file complaints or report misconduct to the organizations associated with these professional designations. These designations are worthy of your attention as they follow a rigorous qualification criteria that is regulated and monitored by various State and local agencies. The following are popular designations and their respective regulating body:

Chartered Financial Analyst® (CFA®)  www.cfainstitute.org

401(k) Rollover Specialist®  www.napa-net.org

Fee-only wealth manager®  www.napfa.org

NAPFA-Registered Financial Advisor®  www.napfa.org/what-is-a-nrfa

Certified Financial Planner® www.letsmakeaplan.org/file-a-complaint

Certified EFT Advisor® www.theetfinstitute.org/investor-complaint-process

Chartered Financial Consultant www.theamericancollege.edu/learn/professional-designations-certifications/chfc

Investment Advisor Association

Investment Brokering Careers

Government & Industry Regulators

Government & Industry Regulators

  

Why hire an investment banker or financial planner when you can be one. Talk about living the dream®! How about a career where you might spend your time helping the corporate world issue asset-backed securities or IPOs and having multiple tombstones on your desk. Or maybe you would rather help high-net worth individuals invest in high-yield stocks or private placements. Whatever the path you choose, what a thrilling, satisfying journey it would be for sure. While there are countless paths in investments, here are some helpful places to begin. 

Financial planners – As previously mentioned this term is the easiest but you would want to stand out of the crowd by acquiring one or more professional designations to become a specialist in particular investment instruments. To find a list of over 100 different professional investment designations that you can pursue, from becoming a Registered Business Broker (RBB) to becoming a Registered Investment Banker (RIB) or a Certified ETF Advisor (CETF), click on this link: https://www.finra.org/investors/professional-designations

Investment Advisors – These advisors generally distinguish themselves from the pack by passing certain license examinations, such as the Series 7 general security sales license which allows traders to actually sell most types of securities, or the Series 6 which allows you to sell mutual funds, or the Series 65 license exam so that financial planners can work for an hourly fee rather than commission.

Investment Bankers – The road to the golden world of high finance is very wide, but in order to be selected most need to (1) attend an elite business school for your MBA, and (2) get some investment banking or corporate finance experience. Many, sometimes as high as 20 percent of MBA graduates from The Amos Tuck School of Business at Dartmouth College are immediately hired as investment bankers, for example. Getting that important experience however can be trickier but with a little hustle and knowledge of where to look you can make it. Investment Banking Firms have summer internships, for example, such as Goldman Sachs summer investment banking associates or analyst positions which are now open.  Most investment brokerage firms offer similar summer internships to move you closer to living the dream®.

Investment Banking Associate & Analyst Internships

Let us help you Live the Dream® today

    Real Estate Agent Profile -- Summer 2024

    Meet Mercedez Speaker

    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 

    Click here to set up a no obligation chat about your real estate interests

    Why Choose Live The Dream, Inc

    Trademark For Sale

    With over 15 years of experience living the dream now may be the time to hand the joy over to the next generation.   Click on the icon on left for more information. 

    Why Choose Live The Dream, Inc

    Experience

    With over 15 years of experience in the real estate industry, our team at Live The Dream, Inc has the knowledge and expertise to help you navigate the complex world of real estate.

    Contact Us

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