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Mortgage Rates and the Market – May 17

CURRENT RATES CONVENTIONAL 30: 6.875%......7.02% APRCONVENTIONAL 15: 6.375%.......6.778% APRVA 30: 6.625%.......6.905% APRFHA 30: 6.625% .....7.444% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

BUYER PRESENTATIONS

Navigating Homeownership: The Power of Buyer's Agent and Lender CollaborationWelcome to our Buyer Presentation! As your lender, I'm here to guide you alongside your Buyer's Agent to ensure your homeownership journey is as smooth and successful as possible. Together, we bring a wealth of knowledge and a coordinated approach that adds exceptional value to your home-buying process.Expert Insights and Personalized SupportFrom Your Buyer's Agent, Name Here:Market Analysis: Brad provides critical insights into the current market trends and property valuations, helping you make well-informed decisions.Curated Property Selection: Leveraging his deep understanding of the market, Brad helps you find homes that match your preferences and needs ideally.Strategic Offers: With Brad's expert guidance, you'll be equipped to make compelling offers that stand out in a competitive market, enhancing your chances of securing your dream home.From Your Lender, Noel Smith:Digital Innovation: Enjoy a streamlined process with digital tools that offer instant approvals and detailed financial breakdowns. Our innovative approach ensures you have all the necessary information at your fingertips, simplifying complex decisions.Appraisal Confidence: I'll provide practical strategies to handle appraisal gaps, ensuring you remain financially secure and confident throughout the buying process. Even if the appraisal comes in low, we have plans to keep your transaction moving smoothly without unexpected financial strain.Tailored Financial Solutions⚡️Digital Offer: Revolutionizing the Offer Process ( video ➡️ )This solution enhances transparency and efficiency, integrating seamlessly with your Buyer's Agent's strategy to present a compelling offer that includes:⚡️Commission Gap Strategy: Fairness in Transactions ( video ➡️ )When seller-offered commissions fall short, our Commission Gap approach offers solutions to cover the difference without burdening the buyer. Thus, we maintain the integrity of the transaction and ensure fair compensation for your Buyer's Agent.Our combined expertise empowers you with personalized support and enhances your overall experience from start to finish. We are committed to helping you navigate every aspect of the home-buying journey, ensuring you feel confident and informed at every step. Let's make your dream of homeownership a reality together!⚡️Appraisal Gap Coverage: Protecting Your Investment ( video ➡️ )Unexpected appraisal shortfalls can disrupt transactions. Our Appraisal Gap solution provides a safety net, accommodating various down payments and ensuring the transaction remains on track without additional financial strain on the buyer.⚡️Affordability Solutions: Customized Financing Options ( video ➡️ )

Mortgage Rates and the Market – May 3rd

CURRENT RATES CONVENTIONAL 30: 7.125%......7.274% APRCONVENTIONAL 15: 6.75%.......6.985% APRVA 30: 6.75%.......7.033% APRFHA 30: 6.75% .....7.572% APR*Your Actual Rate, Payment, and Costs could be higher. Get an official Loan Estimate Prior to Choosing a homeCredit Score Used for Analysis: 780Discount fee: 1%-------------------HOW ARE YOU SHOWING YOUR VALUE - LET US DRAFT THIS FOR YOU! BUYER AGENT PRESENTATIONSNeed To Get Pre-Approved?......APPLY HERE: https://mtgpro.co/dr/c/coeapSchedule a Goals Consultation with Me: https://calendly.com/noels-1/30minNoel Smith, Mortgage AdvisorSmithGroup@fairwaymc.com208.406.2451

listings View All →

1111 CITY VIEW PL.

Stunning Remodeled Single-Story Home in Parkside Estates - Incredible Buyer Incentive Available! Welcome to this beautifully remodeled single-story gem in the highly sought-after Parkside Estates. With a special offer for buyers, the seller is providing a $30,000 concession for a qualified buyer with a full-price offer, applicable for a Temporary or Permanent Rate Buydown, making this an opportunity not to be missed! Learn more about Rate Buydowns here. Prime Location & Community: Yorba Linda Country Club Access: Just a short golf cart ride away, indulge in championship Golf, Swimming, Tennis, and an array of other amenities. Outdoor Recreation: Explore nearby biking and hiking trails and enjoy the parking area perfect for family outings. Close-Knit Community Feel: Experience the privacy and warmth of this friendly neighborhood. Home Features: Elegant Design: Step into the separate drop-down living room with vaulted, beamed ceilings, creating an open and inviting atmosphere. Family Area & Fireplace: Cozy by the fireplace, with multiple windows and a slider to the rear yard, ensuring abundant natural light. Gourmet Kitchen: Fully equipped with new cabinets, vast quartz countertops, a large pantry, canned lighting, new appliances, and an island with additional seating and pendant lighting. Luxurious Bedrooms: The primary bedroom boasts vaulted beamed ceilings, a wall-length closet, and an en-suite with a walk-in shower, sunk-in tub, and double sinks. Two additional spacious bedrooms offer easy access to a well-appointed hall bath. Modern Upgrades: Enjoy new flooring, plumbing, and lighting fixtures throughout. Additional Perks: Landscaping & Irrigation: Newly landscaped front and rear yards with a newer irrigation system. Oversized Three-Car Garage: Ample space for vehicles and storage, plus potential RV parking. Solar Energy: Benefit from free and clear solar panels, ensuring energy efficiency and cost savings. No Mello Roos Tax or HOA Dues: An added financial advantage, along with belonging to the award-winning Placentia, Yorba Linda School District. With its combination of luxury, comfort, and a welcoming community, this rare find in Parkside Estates is an ideal place to call home. Don't miss your chance to own this beautifully upgraded property in a prime location.

7777 Pine Drive

Stunning Remodeled Single-Story Home in Parkside Estates - Incredible Buyer Incentive Available! Welcome to this beautifully remodeled single-story gem in the highly sought-after Parkside Estates. With a special offer for buyers, the seller is providing a $30,000 concession for a qualified buyer with a full-price offer, applicable for a Temporary or Permanent Rate Buydown, making this an opportunity not to be missed! Learn more about Rate Buydowns here. Prime Location & Community: Yorba Linda Country Club Access: Just a short golf cart ride away, indulge in championship Golf, Swimming, Tennis, and an array of other amenities. Outdoor Recreation: Explore nearby biking and hiking trails, and enjoy the park area, perfect for family outings. Close-Knit Community Feel: Experience the privacy and warmth of this friendly neighborhood. Home Features: Elegant Design: Step into the separate drop-down living room with vaulted, beamed ceilings, creating an open and inviting atmosphere. Family Area & Fireplace: Cozy up by the fireplace, with multiple windows and a slider to the rear yard, ensuring abundant natural light. Gourmet Kitchen: Fully equipped with new cabinets, vast quartz countertops, a large pantry, canned lighting, new appliances, and an island with additional seating and pendant lighting. Luxurious Bedrooms: The primary bedroom boasts vaulted beamed ceilings, a wall-length closet, and an en-suite with a walk-in shower, sunk-in tub, and double sinks. Two additional spacious bedrooms offer easy access to a well-appointed hall bath. Modern Upgrades: Enjoy new flooring, plumbing, and lighting fixtures throughout. Additional Perks: Landscaping & Irrigation: Newly landscaped front and rear yards with a newer irrigation system. Oversized Three-Car Garage: Ample space for vehicles and storage, plus potential RV parking. Solar Energy: Benefit from free and clear solar panels, ensuring energy efficiency and cost savings. No Mello Roos Tax or HOA Dues: An added financial advantage, along with belonging to the award-winning Placentia, Yorba Linda School District. This rare find in Parkside Estates, with its combination of luxury, comfort, and a welcoming community, is an ideal place to call home. Don't miss your chance to own this beautifully upgraded property in a prime location.

4444 METRO Drive

Property Details and Special Financing for Buyers!  Exclusive Offer for Buyers: Attention Buyers & Buyer’s Agents: The Seller is delighted to present an exclusive offer of a $30,000 concession to qualified buyers who make a full-price offer. This generous concession is dedicated to either a Temporary or Permanent Rate Buydown, making your path to homeownership more affordable and straightforward. Explore Rate Buydown Options: For more details on how Rate Buydowns can benefit you, please visit ➡️ About This Stunning Home: Nestled in the prestigious Parkside Estates, this single-story home has been exquisitely remodeled, radiating luxury and comfort. Its prime location offers a leisurely golf cart ride to the renowned Yorba Linda Country Club, where championship golf, swimming, and tennis await. Key Features: Location: Enjoy proximity to biking and hiking trails, a park area for children, and a sense of privacy within a tight-knit community. Architecture & Design: The home welcomes you with a separate, sunken living room featuring vaulted, beamed ceilings. Abundant natural light floods the family area, which boasts a cozy fireplace and direct access to the rear yard. Gourmet Kitchen: A culinary dream with new cabinets, expansive quartz countertops, a large pantry, modern canned lighting, new appliances, and an inviting island with pendant lighting. Upgrades Galore: Fresh flooring, plumbing, and lighting fixtures throughout the home. Main Suite: A spacious primary bedroom with vaulted ceilings, extensive closet space, and an en-suite bath with a walk-in shower, sink, and double sinks. Additional Bedrooms: Two sizeable bedrooms with convenient access to a fully updated hall bath. Outdoor & Additional Features: New landscaping, an updated irrigation system, an oversized three-car garage, potential RV parking, a large flat lot, new fencing, and solar panels. No Extra Fees: Enjoy the absence of Mello Roos Tax or HOA dues, coupled with the benefits of the Placentia-Yorba Linda School District. This property is a rare gem, offering a perfect blend of luxury, comfort, and convenience. Seize this opportunity to own a piece of paradise in Parkside Estates.

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Soho Villas

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us:For more information and to register your interest, please get in touch with us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

Rock Pines

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us:For more information and to register your interest, please get in touch with us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

Upper Haven

Elegant Living Redefined: Premier New Construction Project - Launching January 2024Welcome to a world where luxury and nature harmoniously blend to create an extraordinary living experience. Our upcoming new construction project, set to open its doors in January 2024, is not just a residence but a lifestyle statement.Key Features:Modern Architectural Marvel: Cutting-edge design with spacious layouts, offering a range of 2, 3, and 4-bedroom homes. Each home boasts high-end finishes, state-of-the-art appliances, and expansive windows for natural light.Exclusive Golf Course: A golfer's paradise! Enjoy access to our meticulously designed 18-hole championship golf course, set against a backdrop of breathtaking landscapes.Tranquil Lakes and Parks: Serenity awaits in our scenic parks and around the pristine lakes, perfect for morning jogs, evening strolls, or weekend picnics with family and friends.Vibrant Community Life: A strong sense of community is at the heart of our project. Our Homeowners' Association (HOA) organizes regular events, workshops, and get-togethers, fostering a close-knit neighborhood spirit.Premium Amenities: Dive into our resort-style swimming pools, stay fit in the fully equipped fitness centers, and unwind in the luxurious spa and wellness center.Eco-Friendly and Sustainable: Committed to sustainability, our project features energy-efficient systems, green spaces, and eco-friendly practices.Strategic Location: Situated in a prime location, the community is close to top schools and shopping centers and has easy access to major transportation routes.Invest in More than a Home:Invest in a lifestyle that offers luxury, comfort, and community. Whether you're a golf enthusiast, nature lover, or seeking a vibrant community life, our project is designed to cater to all your needs. With limited units available, seize the opportunity to join this exclusive community.Contact Us:For more information and to register your interest, please contact us at [contact information]. Be among the first to experience unparalleled living in our premier new construction project.

Reviews

"Noel was very responsive and always took the time to talk me through the process or things I didn't fully understand. I appreciate being treated with so much respect and attention to helping me work through the mortgage process. I definitely felt like Noel was helping me to get the best deal with mortgage rates and a financial situation I could afford, while helping me to purchase the home I was really wanting. One small issue that I had, if I could have put this at "mostly" great, I did feel like his assistant didn't always do her "homework" in her part of working with me. She would often confuse my accounts with financial institutions that I didn't bank with, and wasn't always clear with me on what she needed because of those errors. It just seemed demanding of requests without me understanding what she actually needed. I would have liked for her to have similar knowledge and background of my accounts and paperwork as Noel was so good with. It just became frustrating for me sometimes and took more of my personal time than it seems like it would have if she had stronger knowledge of everything. Noel was amazing with these aspects."

jennifer b

"Noel and Darcy are excellent communicators, provide sage advice and utilize technology to keep us up to date on the entire loan process. Moreover, they've earned my trust over the years which to me, means everything."

roger k

"Very responsive and supportive"

helen l