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⚡️ Discover the magic of bi-weekly mortgage payments! ⚡️

Discover the magic of bi-weekly mortgage payments! This simple strategy could help you own your dream home sooner and save big on interest. Want to see the numbers? Check out the Bi-Weekly Calculator at the link in my bio and see how you could pay off your $400K home 6.33 years earlier, saving over $130K in interest over the loan's lifetime! #homebuyersguide. ✅ Here's a good Bi-Weekly Mortgage calculator you can use to see the SAVINGS !! https://www.bankrate.com/mortgages/bi-weekly-mortgage-calculator/ ➡️➡️Visit my site for more Educational Content : https://loanswithsonny.com/ Sonny Nguyen Originating Branch Manager NMLS # 264031 D 209.595.9859 F 209.796.2081 W homeloanswithsonny.com E sonny.nguyen@ccm.com

Introducing the Real Estate Game Changer: Proposition 13! ⚡️ Annual Cap on your property taxes ⚡️

Introducing the Real Estate Game Changer: Proposition 13! Say goodbye to property tax surprises and hello to financial stability. ➡️➡️With a 2% annual cap, your property tax won't skyrocket. Let's break it down: If your home's assessed value is $400,000, , the most it would go up to the next year is to $408,000.00 and the yearly increase is just $100 or around $9 per month. Not so intimidating, right? ✅But here's the real deal: Before Proposition 13, property values were reassessed annually at market rates, potentially increasing your tax burden. Now, under Prop. 13, your property is assessed for tax purposes only when it changes ownership. As long as you don't sell, future value increases are limited to a maximum of 2% per year. ✅Good news is a refinance would not trigger a change to your monthly property taxes So, whether you're living the American dream or making it a reality, remember that Prop 13 is here to be your financial sidekick! ➡️➡️Visit my site for more Educational Content : https://loanswithsonny.com/ Sonny Nguyen Originating Branch Manager NMLS # 264031 D 209.595.9859 F 209.796.2081 W homeloanswithsonny.com E sonny.nguyen@ccm.com

Welcome to the Wild World of Supplemental Taxes. What are they and how do they work?

⚡️ Property Owners, brace yourselves! ⚡️ It's that time of the year again when you open that dreaded envelope from the tax man and feel that gut punch. Supplemental property taxes can be a real surprise for new homeowners, so let's break it down. ➡️➡️Supplemental taxes are the difference in your property's assessed value when you take ownership from the previous owner. It usually arrives within the first year, operating on a fiscal calendar from July 1st to June 30th. Here's the twist - you might face not one, but TWO supplemental tax bills if your deal closed between January and May. Important things to remember: ✅ It's not your lender's doing, and it's not factored into your impound account. ✅The good news? It's a one-time deal. ✅Counties might take their sweet time getting your home taxes sorted, and your lender can only pay what they receive. So that refund or overage check? Don't spend it just yet! Because when the county finally assesses your home accurately, your lender might come knocking, claiming a shortage in your escrow account. ➡️➡️Visit my site for more Educational Content : https://loanswithsonny.com/ Sonny Nguyen Originating Branch Manager NMLS # 264031 D 209.595.9859 F 209.796.2081 W homeloanswithsonny.com E sonny.nguyen@ccm.com

Reviews

"Sonny and his team were amazing every step of the home buying process! As first time home buyers, we were very intimidated and didn’t really know where to start. Sonny reassured us that our feelings were natural and worked closely with us to ensure we were comfortable and informed each step of the way. Sonny and the CrossCountry Mortgage team were all so communicative throughout the whole process. We especially loved the video updates, explaining what the next steps would be. It was honestly the best first time home buyer experience we could have ever hoped and prayed for. We are so thankful to now be HOME OWNERS and it wouldn’t have been possible without Sonny and the CrossCountry Mortgage team. If you are looking for quality service, amazing people, great rates, and an outstanding experience, reach out to Sonny and the CrossCountry Mortgage team NOW! You won’t regret it! "

jcorpuzlonero

"I’ve dealt with several Loan officers, Sonny is the best! Honest, very fast, precise, very helpful during the process, great to work with. It was a pleasure working with him!"

paul m

"Sonny and his team are so efficient. Great communication every step of the way. I am very pleased with Sonny and his team's quality of work. We were able to close way ahead of schedule. I highly recommend Sonny and his team for all of your home mortgage or loan related needs. "

aidan