You are always welcome in this Web Site, stay a while and enjoy. We are in a BUYER's Market, meaning homes can sometimes be bought with a small down payment; this is, for the most part, done through government loans.  Sellers will sometimes assist buyers in purchasing a home by providing funds for the purchase of that home. A Seller's Market or Hot Market will not, for the most part, allow assistance to buyers or no down payment purchases. Homes are selling faster than they did last year, some homes take longer than others, it all depends on the home's location, appearance and price, foreclosed homes are selling a lot faster though. Lenders are willing to negotiate more with closing costs, and origination fees.  It is a great market for buyers, so as long as they feel comfortable with making the mortgage payments and they have a good credit score, they might also have to do a lot of fixing up, specially if they are buying a bank owned property. Pre-approval is obtainable by filling out a lender's loan application with our office or with the lender of your choice. Once you have been pre-approved we can start your home buying process. There are many homes to choose from at this time; this is one of the privileges we have as we go through this buyer's market.  As usual, it will eventually, go away, just as the seller's market did; and it will become a "Hot Market" again.  Do we know when?  NO, we don't, just like we did not know when the "Hot Market" was going to end. Meanwhile, if you think you still have time to wait as a buyer, or a seller; please feel free to review my website and enjoy it's articles and services.  You may contact me at (858) 449-6754, if you have any questions or need additional help. Have a great time! Martha CarcamoBroker - RealtorLic. No. 01227652  Phone:  (858) 449-6754   

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