My name is Hamid Aghili. I am the owner/broker of Hamid Aghili Real Estate. I received my real estate sales person license in January of 1990. I received my real estate broker license in March of 1996. I am a graduate student from California State University San Bernardino (CSUSB) with Bachelor of Art (BA) Degree in Public Administration and Bachelor of Science (BS) degree in Business Administration concentration in Information Management.
If you are a licensed real estate sales person or broker and you are not working in the Inland Empire area, but you have a client, who wants to buy or sell their residential or commercial properties in the Inland Empire area, you can refer them to me and I will give you 25% referral fee for just making the phone call. If you are going to buy a house, please email me your pre-approval letter from your lender, if you are going to get a loan, or your proof of funds if you are going to buy with cash.
If you do not have a lender let me know and I will have a lender to contact you.
If you are a licensed real estate sales person or broker and you are not working in the Inland Empire area, but you have a client, who wants to buy or sell their residential or commercial properties in the Inland Empire area, you can refer them to me and I will give you 25% referral fee for just making the phone call. If you are going to buy a house, please email me your pre-approval letter from your lender, if you are going to get a loan, or your proof of funds if you are going to buy with cash.
If you do not have a lender let me know and I will have a lender to contact you.
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According to the Housing and Urban Development (HUD), the following 14 requirements together with appropriate administrative rules and regulations constitute the minimum acceptable criteria for eligibility of existing properties.
A building constructed on or to a property line must be separated from the adjoining building, by a wall extending the full height of the building from the foundation to the ridge of the roof.
The wall can separate row type townhouses or semi-detached units.
There must be adequate space between buildings to permit maintenance of the exterior walls.
A building constructed on or to a property line must be separated from the adjoining building, by a wall extending the full height of the building from the foundation to the ridge of the roof.
The wall can separate row type townhouses or semi-detached units.
There must be adequate space between buildings to permit maintenance of the exterior walls.
Ideally, you should get pre-approved for a mortgage before looking for a home.
Otherwise, a pre-qualification is the next best option.
It estimates how much you can afford based on debt, income, and credit.
Be sure to provide your entire credit history.
Neglecting to mention outstanding loans or previous credit problems will create false calculations.
Pre-approval is similar to pre-qualification, except your debt, income, and credit are verified and you are actually approved for a loan up to a certain amount and under specified term and conditions.
Otherwise, a pre-qualification is the next best option.
It estimates how much you can afford based on debt, income, and credit.
Be sure to provide your entire credit history.
Neglecting to mention outstanding loans or previous credit problems will create false calculations.
Pre-approval is similar to pre-qualification, except your debt, income, and credit are verified and you are actually approved for a loan up to a certain amount and under specified term and conditions.
You can unknowingly sabotage your home financing goals by making some obvious and not-so-obvious moves with your finances.
Check out the list below to see if you know the top 8 things NOT TO DO when you are in the process of buying a home.
1. Do not transfer money between your accounts or deposit cash you cannot paper trail, unless receiving complete documentation from your bank, itemizing all transfers and their source.
3. Do not allow your accounts to go into a negative balance, even if you have overdraft protection.
Check out the list below to see if you know the top 8 things NOT TO DO when you are in the process of buying a home.
1. Do not transfer money between your accounts or deposit cash you cannot paper trail, unless receiving complete documentation from your bank, itemizing all transfers and their source.
3. Do not allow your accounts to go into a negative balance, even if you have overdraft protection.
The following mortgage related topics would help you to decide either to buy a house or keep renting.
Deciding whether to rent or buy is a complex decision.
You will need to compare costs and understand the financial factors to make the best decision for your situation.
Home ownership is like having your own business and having your own job security and having a peace of mind.
And you don't have to worry about getting fired or if you are going to have a job tomorrow or not.
As a general guide, your monthly mortgage payment should be less than or equal to a percentage of your income, usually about a quarter of your gross monthly income.
Deciding whether to rent or buy is a complex decision.
You will need to compare costs and understand the financial factors to make the best decision for your situation.
Home ownership is like having your own business and having your own job security and having a peace of mind.
And you don't have to worry about getting fired or if you are going to have a job tomorrow or not.
As a general guide, your monthly mortgage payment should be less than or equal to a percentage of your income, usually about a quarter of your gross monthly income.
4- Get an appraisal.
For a few hundred dollars, a qualified appraiser can give you an estimate of your home's value.
Be sure to ask for a market-value appraisal.
To locate appraisers in your area, contact The Appraisal Institute www.
AppraisalInstitute.org or ask a REALTORO for some recommendations.
5- Ask a lender.
Since most buyers will need a mortgage, it's important that a home's sale price be in line with a lender's estimate of its value.
6- Be accurate.
Studies show that homes priced higher than 3 percent over the correct price take longer to sell.
For a few hundred dollars, a qualified appraiser can give you an estimate of your home's value.
Be sure to ask for a market-value appraisal.
To locate appraisers in your area, contact The Appraisal Institute www.
AppraisalInstitute.org or ask a REALTORO for some recommendations.
5- Ask a lender.
Since most buyers will need a mortgage, it's important that a home's sale price be in line with a lender's estimate of its value.
6- Be accurate.
Studies show that homes priced higher than 3 percent over the correct price take longer to sell.
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