Showing posts with label Orange County Home Buyer Tips. Show all posts
Showing posts with label Orange County Home Buyer Tips. Show all posts

With Interest Rates Dropping, Is Now the Time to Buy?


Interest rates have dropped below 4% once again. Here’s what that means for you.

Interest rates are actually sub-4% right now. The last few clients we have worked with have been able to lock in rates in the 3% range.

Is it a good time to buy right now? Here’s what I tell everyone that I come across: First of all, you can never time the market perfectly. Second of all, if you’re not an investor, don’t think like one. You’re buying a home to live in and there are so many benefits to doing so. If you want to buy a house and you can afford to buy a house, then you should buy a house.

The great thing about low interest rates is that when you’re buying a property, it’s never about the purchase price. It’s about the monthly payment. Whether you pay $5,000 more or $5,000 less than you wanted to, at the end of the day, what matters is your monthly payment. The lower the interest rate you have, the lower your payment will be. If that number is within your comfort zone with these low rates, then now is the time to buy.

There are plenty of options for buyers in all price ranges.

Inventory is growing right now in the summer months and buyers have opportunities to look at multiple homes before making a decision. It doesn’t matter whether you’re in the $200,000 or $5 million price point—there are plenty of options for you. If you haven’t spoken to a lender yet and are not sure if you qualify, we’d be glad to help you get connected with one. 

If you have any other questions for me about buying a home in this market or real estate in general, don’t hesitate to give me a call or send me an email today. I look forward to hearing from you soon.
Labels:
Location: Irvine, CA, USA

What Do a Drill Bit and Your Home Search Have in Common?


Buying a drill bit and buying a home have more in common than you think. Let me explain why.

Recently, a Harvard researcher studied consumers who were in the market to buy a drill bit. Ultimately, the study led to a curious discovery: In large part, it wasn’t the drill bit that drew these people to the market; it was the drill bit’s utility.

They simply needed something to make a hole in the wall, and the purpose of that hole was to hang a shelf. The study went on to say that it was about much more than the shelf for these consumers.

This researcher concluded that the installation of a shelf brought about a greater sense of accomplishment, pride, and general tidiness in their living space.

In the same way, we as real estate professionals have to probe a little deeper sometimes when our buyers give us a laundry list of amenities and details that are must-haves in their future home purchase. Perhaps they want the home to come with three bedrooms, a garage, and a lot of a certain size.

On a deeper level, a buyer wants the home’s features to collectively generate a feeling of accomplishment and pride.

For us, though, it begs the question: Why do you want all of that? And more importantly, why do you want a home?

After some digging, we learn that, much like the consumer in search of a drill bit, it’s about much more than the reasons that particular buyer gives. We discover that it’s less about the individual features themselves and more about what those features will provide for them.

On a deeper level, a buyer wants the home’s features to collectively generate a feeling of accomplishment and pride. All in all, a major part of the home search process is to enter it with the "bigger picture" in mind.

If you’re thinking about buying a home and you want to get the process in motion, please reach out to me and my team. I’d also love to hear your suggestions for future video topics I should cover. In the meantime, happy selling!
Labels:
Location: Irvine, CA, USA

Buyers: Don’t Fixate on the Price—Fixate on the Monthly Payment


Buyers: You’re not buying a home. You’re buying a monthly payment.

For those thinking about purchasing a property in the near future, let’s take a moment to look at what’s happening in our local real estate market.

Right now, inventory is growing, which is good for buyers, because having more choices means two things:
  1. You’ll have 20% to 30% more properties to choose from than you did just six months to a year ago. 
  2. The increase in available home options equals increased competition between sellers, which means the overall demand for properties falls.

As a buyer, you’ll also need to be aware of the fact that interest rates are at a 15-month low, meaning that you’re sitting pretty at the moment. If you speak with a lender and you feel comfortable with the monthly payment, my recommendation is to pull the trigger. Make it happen; based on prices and interest rates, there’s no better time to get into the marketplace than right now.

If the monthly payment doesn’t make sense, then buying that home doesn’t make sense.

But the main point of my post today is to reframe the discussion around homebuying: You’re not actually buying a home, but rather a monthly payment. Very early in my career, one of my mentors told me that the price of a home is a one-time thing, but your monthly payment is an every-month thing. Many buyers become fixated on the price of a home, but what if you could get the same property with a better loan and save money each month you make a house payment?

Even though buying a home right now presents a great opportunity, you still need to speak with a lender first so that you understand what type of loan you’ll be getting, how much you’ll need to put down on a home, what your closing costs will be, and most importantly, what your total monthly payment will be. Knowing these things ahead of time will allow you assess how comfortable you are proceeding with that transaction. As a buyer, don’t become fixated on price. Price is a guideline for us to show you homes that fall in the range of your ideal monthly payment. At the end of the day, if the monthly payment doesn’t make sense, then buying that home doesn’t make sense.

If you’re thinking about buying a property and would like us to help you find the best one money can buy, feel free to give me a call or send an email. I love to educate people on how to find the exact kind of home they’re looking for.
Labels:
Location: Irvine, CA, USA

The Importance of Talking to a Lender Early On


Before you start your home search, you need to connect with a lender. This will be a critical step, as understanding your financial health is key to finding the perfect property.

Over 85% of all buyers start looking at homes before speaking with a lender. Unfortunately, this is the worst way you can go about a purchase.

Whether you’re actively preparing to buy a home or the desire to buy has just occurred to you, it’s never too soon to meet with a lender and talk about your goals.

Some buyers assume that by getting pre-approved, they’ll be put under pressure to buy right away. This isn’t the case at all. Talking with a lender and getting pre-approved will simply help guide your search and ensure that when you do find the perfect home, you’ll be ready to act. An opportunity to talk with a lender is an opportunity for you to educate yourself about your position as a buyer. And by having this conversation early, you’ll have additional time to improve your financial health if you don’t qualify right away.


An opportunity to talk with a lender is an opportunity for you to educate yourself about your position as a buyer.

By speaking with a lender, you’ll gain:

1. An understanding of what loan you should get.
 
2. An understanding of what you can afford.
 
3. An understanding of your current credit score.

4. An understanding of what your monthly payment will be.

There’s no cost or obligation associated with this meeting. Talking with a lender will simply help you strategize your upcoming home purchase.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.
Labels:
Location: Irvine, CA, USA

Buyers: Are You Ready to Go?


Before you can buy a home, there are a few things you need to do.

Many buyers come to an open house and tell us they’re ready to buy, but we often find this isn’t the case. They haven’t begun the selling process on their home, they haven’t spoken to a lender yet, and they have no idea what they’re qualified for. So, when they say they’re “ready to go,” they’re anything but.

I expect this to happen with the average buyer, but there are professional agents doing this! They’ll show our listing, we’ll call to get feedback, and they’ll tell us their buyer is interested but isn’t in a position to submit an offer—they haven’t spoken to a lender yet.

There’s a lot a buyer needs to do before they’re truly ready to go.

The way I was taught was to work with ready, willing, and motivated buyers who know what they want, have spoken to a lender, know what they qualify for, and are in a position to submit an offer. This market is unpredictable, so great homes are sold fast. If one buyer falls in love with a home, it’s very likely that another buyer has the same feelings.

There’s a lot a buyer needs to account for before they’re truly ready to go. My advice for preparing? Connect with a lender, connect with a good real estate agent, and understand your options. What we say on our team is that just because we’re meeting, it doesn’t mean you have to buy. If you meet with us and our lender, you’re meeting first and foremost to learn. But it’ll put you in a position of certainty and give you the power to confidently submit an offer on the home you love.

If you’d like to meet and learn more about what you need to be ready to go, reach out to us. We look forward to helping you soon.
Labels:
Location: Irvine, CA, USA

What Makes Now a Good Time to Buy in Our Market?


Our market is stabilizing, which means it’s a great time to buy.


For the past six years, we went through an aggressive seller’s market, and prices appreciated significantly during that time. Now, though, the market is stabilizing, and that’s good news for buyers.

If you’re thinking of buying a home, there are four points you need to remember when it comes to the state of our current market.

First, inventory is rising. In some areas, it’s increased by as much as 40%, which means you have more options to choose from. As inventory rises, demand falls. You’ll have more time to look at properties, more time to make a decision, and you won’t be competing against as many other buyers either.

Second, interest rates are slowly rising. What’s important to understand when taking out a mortgage loan to buy a home is that the home’s price is a one-time purchase, and what you’re actually buying is the interest rate. If you’d rather wait until next year to buy a home because the market is stabilizing and you think you’ll get a better price then, you may very well be able to do so. However, if rates jump from 5% to 5.5% in that time, you’ll end up spending more money per month for a home you bought for less. This is why it’s so important to talk to a lender during the home buying process so you can better understand how interest rates affect you.
There are more homes available, they’re taking longer to sell, and better deals are out there.

Third, pending sale activity, or how many homes are selling in a monthly basis, is down 20% to 25%. Since inventory is rising, this means homes are taking longer to sell and fewer of them are selling. Again, this drop in demand means you’ll have longer to make a decision and a better chance of getting a good deal.

Lastly, think of your mindset. A lot of buyers out there are suffering from a sort of paralysis because they’re uncertain of what’s happening in the market. The previous five years, though, buyers were complaining about how there was no inventory, and how every time they found a beautiful home, there were 10 other buyers who wanted it too. Well, now they’ve got their wish—there are more homes available, they’re taking longer to sell, and better deals are out there.

In other words, look at this as an opportunity. Is it a good time to buy for everybody? Probably, not, but if you are thinking about buying, get in touch with a lender and a Realtor and analyze your situation, because you can potentially buy a great property at a great price while still securing a low interest rate.

As always, if you have any other questions about our market, don’t hesitate to reach out to me. I’d be glad to help you.
Labels:
Location: Orange County, CA, USA

Why Should Home Buyers Be Excited About This Market?


If you’ve been on the fence about buying a home for the last few years, now is your opportunity. Here’s why.


It’s not always a great time to buy for everyone depending on their situation. Before you make the decision to buy for yourself, it’s a good idea to speak with an agent and/or a lender to get an idea about what you can afford and why you want to buy. 

 However, with the market shifting, a lot of people are capable of buying, but are uncertain about whether now is the right time or if they should continue to wait. Here are five reason why it’s a great time to buy for many buyers right now:

 1. We have a lot more new inventory. In the last six years, home prices have been going up because of our low inventory. Buyers have been looking at properties and making offers, but are continually getting outbid. After six long years, we are seeing more homes hit the market and buyers have plenty of options.

Buyers have more options to choose from these days.

2. Rates are still historically low. If you’re a younger buyer who isn’t used to seeing high interest rates, you probably think our current rates are pretty high. However, if you take a look back a few decades and see what we were dealing with at that time, a 5% interest rate is a steal.

 3. You can get on with your life. If you’ve always thought about buying but are stuck in a rental property situation, you owe it to yourself to figure it out. Talk to a lender or a Realtor to see if you can qualify. It’s always free to talk. 

 4. You can create more certainty for yourself. There is a lot more certainty involved with owning a home. When you’re renting a property, you’re at the mercy of the landlord. When you own your own home, you make all the decisions.

 5. Pride of ownership. My dad once told me, “When you own a home, life just changes. It becomes better.” It’s hard to explain, but it’s certainly true. It’s an indescribable feeling.

 If you have any questions for me or you're thinking about buying any time soon, don’t hesitate to give me a call or send me an email. I look forward to hearing from you soon.
Labels:
Location: Orange County, CA, USA

Are You Ready to Jump on the Price Reduction Bandwagon?


Homes are taking longer to sell and sellers are reducing their prices. As a buyer, now’s the time to find a great home at a great price.


As a buyer, are you ready to jump on the price reduction bandwagon?

I’ve been talking a lot about the market shifting lately, especially in the higher-end price points. Prices have been rising steadily for the past several years, interest rates are creeping up, and all the news about how great our market is has many homeowners convinced that now may be the perfect time to sell for top dollar.

This has caused a huge influx of homes to hit the market. As a result, homes are taking longer to sell. As homes take longer to sell and buyers have more options, demand for any specific property tends to fall for a couple reasons.

If you are a buyer, now is a great time to get the home you want at a great price.

First, when there is more of something, it’s worthless—this is simple supply and demand. Second, people tend to struggle with making a choice when there are too many options. Homes aren’t worth as much right now because there are more of them, buyers are paralyzed by all the choices they have, and homes are taking longer to sell. When homes take longer to sell, sellers get frustrated and reduce their prices.

You need to be ready for these price reductions because now is a great opportunity to get the home you want at a great price. Keep a close eye on interest rates, though, because if prices fall but rates keep climbing, you’ll end up paying more for a home that you actually bought for less.

If you are ready to enter the market and find the right home for you, reach out to me so I can give you a free buyer consultation and get the process started.

If you have any other questions about our market or you have any other real estate needs, feel free to call or email me anytime. I would love to help you.
Labels:
Location: Orange County, CA, USA

You Will Regret It if You Wait to Buy

 
Why is buying a home such a smart decision in today’s market? I’m going to explain today.


If you’re currently looking for a home to buy, I’ve got some great news for you today. I remember back in 2015 when I was talking to a potential homebuyer who felt that he was going to be paying too much for his property. At the time, he was hesitant but still decided to pull the trigger.

These days, he is very grateful that he bought at that point because the home is worth 15% more now than it was when he bought it. He may have paid a premium for the property, but he’s already made that back and then some. Instead of paying rent for those three years, he’s been able to invest in his own mortgage and see the appreciation for himself. Three years later, the situation is similar in our market.

We’d be happy to connect you with a lender who can assist you.

You might pay a premium for a home now, but you’ll find that it’s a great deal in a few years. My mentor used to tell me that “The best deal is the home that you can afford to buy right now.”

If you’re a homebuyer and you’re looking to buy a property or you’ve been renting for a long time, talk to a lender today and figure out what it will take to buy a property. If you can afford it and it’s within your comfort zone, it’s time to pull the trigger. The home appreciation and tax benefits alone make it a worthwhile investment.

If you have any questions for me about buying a home or anything else related to real estate, don’t hesitate to give me a call or send me an email. I look forward to hearing from you soon.

Labels: ,
Location: Orange County, CA, USA

What 3 Stages Do Buyers Go Through While Preparing for a Home Search?

There are three main stages buyers go through as they prepare to purchase a home.



Today, I want to pose an important question: What is your timeline?

My marketing team and I have been conducting some research recently, and we’ve found that there are three primary stages in the real estate timeline that buyers tend to follow as they prepare to make a home purchase. Let’s take a look at each of these stages.
1.  Awareness. We’ve found that people in this stage tend to be between 18 to 24 years old. This is the stage where a person may have considered the notion of buying a home but haven’t really gotten serious about doing so. People often become very comfortable with where they’re at in life. Sometimes, they become too comfortable. In order to move past the awareness stage, you must be proactive.
2.  Interest. Buyers at this stage in their home purchase timeline have become more actively engaged with their home search. They are beginning to look more frequently at online listings, and they may be consuming other media related to the real estate process as a means of preparation. At this point, buyers are typically eight to 12 months away from actually moving forward with a home purchase.
3.  Decision. This final stage in the real estate timeline is the point when buyers are calling Realtors and setting up appointments. Buyers in the decision stage are typically three to six months out from making their home purchase. It is at this stage that people become truly serious about finding a property

A home purchase is a major decision—it takes time.


With all that in mind, remember that a home purchase is a major decision—it takes time. Most of the clients my team and I work with spend several months working their way through the process.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.

Labels:
Location: Orange County, CA, USA

Don't Settle for a Subpar Real Estate Experience


If you aren’t working with the right agent, you may be leaving money on the table. Allow me to share some insight on how to choose an agent who will maximize your success.



Let me ask you something: Are you leaving money on the table?

Allow me to explain what I mean. For sellers, consider whether you’re truly getting the most out of your listing. On the buyers’ side of things, think about whether the price you’re paying for a home is fair.

I’ve seen a lot of homes sell for more than they should, lately. However, I’ve also seen homes sell for far less than they could have. One reason for this is Realtor mismanagement.

Now, I would like to share some information about the processes of buying and selling a home. Hopefully this insight will help to put everything into perspective for you.

The true challenge is finding an agent who will guide you every step of the way.

There are three parts to each of these processes, and I’d like to go over each of these steps within both processes for you today. Let’s start with the three steps of buying a home:
  1. Find the right home.
  2. Negotiate the contract.
  3. Think about what comes next.

As for sellers, the three steps of listing are:
  1. Find the right buyer.
  2. Negotiate the contract.
  3. Think about what comes next.

You probably noticed that each of these processes, on a basic level, are very similar. Another similarity between these processes is the importance of having a strong Realtor by your side. However, many people in today’s hot market wonder whether it’s worth spending the extra money on one Realtor when another might do the job for half the cost.

Helping someone find a home is easy. And, in a hot market, it’s also easy to help someone find a buyer. If you put a home on the market, list it online, and price it fairly, you’re going to get offers. The true challenge is finding an agent who will guide you every step of the way. The right agent will not only help you to buy or sell a home, they will also help you put (or keep) more money in your pocket at the end of the transaction. If you’re buying a home, you need to work with an agent who can negotiate the best price.

All of these are the considerations you must keep in mind when choosing an agent. Find an agent to work with who you know, like, and trust. Beyond that, find someone who will help you maximize your success. The right agent will keep you informed and continue to provide you with value even after your transaction is complete. Are you looking for an agent who is truly there to help, or are you looking for one who will disappear after closing? The choice is yours.

If you have any other questions, would like more information, or want to know how my team or I could help you reach your real estate goals, feel free to give me a call or send me an email. I look forward to hearing from you soon.


Labels:
Location: Orange County, CA, USA

There's No Price on a High-Quality Realtor


You’ve probably heard the saying “You get what you pay for.” Today, I want to talk about how this adage applies to the world of real estate.



You’ve probably heard the phrase “You get what you pay for” many, many times. Generally, this is true. People will pay more for a higher quality of service. However, many companies out there today are disrupting the real estate market.

The real estate industry has operated in the same way for a long time. But, now, things are changing. That said, it isn’t surprising that companies like Redfin or Purplebricks are offering discounted service.

I can’t say that I have first-hand experience with doing real estate through these sites, but I can say that people who pay less for a service generally will receive less in return. 

When you’re working on buying or selling a home, I would advise you to interview a few traditional Realtors. I’ve heard horror stories about websites like Redfin and Purplebricks, but it’s only fair to mention that I’ve also heard horror stories from people who have worked with inexperienced Realtors.


Sometimes you have to spend more to earn more.


There are a lot of Realtors out there. A large number of them are probably just winging it, so I highly recommend seeking out professionals that make up the top 10% or 15% of the industry.

My best advice is to do your research before making a decision on how to move forward with your real estate goals. Instead of focusing on how much you’re going to pay someone to help you sell your home, focus on what you’ll earn once the transaction is complete.

Real estate is a big industry, but a small community. Realtors in any given area will know one another, so it’s important to work with someone who has a good reputation. Sometimes you have to spend more to earn more. So, focus on the big picture.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.
Labels:
Location: Orange County, CA, USA

What's the Goal of a Home Inspection?



What kind of home inspection should you get? What happens if you discover a problem?


If you’re getting ready to buy a property, you’re probably wondering what you can do to make sure the home is as good as it seems. A home is a costly investment, so the last thing anyone wants is to spend a lot of money only to encounter some unpleasant surprises.

This is what makes home inspections so valuable. Today, I want to break the subject of home inspections down into two parts.

First, what kind of home inspections should you get? Usually, we recommend that our clients start with a general home inspection. We can certainly recommend a company to our clients, though some clients may already have an inspector in mind. Either way, a general home inspection will provide a basic overview of a home’s condition.

If the home inspector doesn’t find any significant issues, many people will feel comfortable proceeding without further inspections. But if the inspector does find something wrong, they may recommend that you contact a specialized professional, such as a plumber or roofer, to take a more in-depth look at the problem.

At that point, the next step may be to have a specialty inspection performed. But remember, each inspection you have will be an additional cost. Ideally, you should strike a balance between feeling comfortable with the home and not spending too much money on frivolous or unnecessary inspections.

Every situation and every home is different. Therefore, there is no one answer as to which inspections will be necessary.

You should strike a balance between feeling comfortable with the home and not spending too much money.

The second area I’d like to focus on in regards to home inspections is what to do if you discover a problem.

Homes in California are sold as-is. What you see is what you get. This is why home inspections are so valuable. Something we want to help our clients understand, though, is that older homes won’t come in perfect condition. We aren’t going to ask the seller to clean the carpets, repaint, or change out a mirror that’s losing silvering.

When a home inspection is performed, cosmetic issues and upgrades aren’t the focus. If a home was up to code at the time it was built, the seller doesn’t need to make updates that would make it current. If you buy an older home, you should expect to pay some of your own money making these upgrades.

Home inspections are meant to detect issues that are more serious, such as those that cause safety concerns. If you work with our team, we can help you review the inspection. We’ll then negotiate on your behalf to try to see what we can get the seller to fix or give you a credit for. However, the seller can say no to any request, even those that are safety issues.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.

 
Labels: , ,
Location: Irvine, CA, USA

Why Should You Get Pre-Approved Early?



Even if you aren’t looking to buy for several months, getting pre-approved early should always be your first step.

Selling a home? Click here for a FREE Home Price Evaluation
For a few different reasons, I’ve noticed that buyers who aren’t ready to get pre-approved tend to give me a bit of pushback. This may be because they’re afraid of hurting their credit, because they haven’t found the right home, or because of any number of other factors.

However, this is a case where stepping back to look at the big picture is far more important. Whether you’re looking to buy now or a year from now, getting pre-approved should be your first step. There are ten reasons why this is.

  1. Getting pre-approved is free and there is no obligation. When you talk to a lender and get pre-approved, what you’re really doing is setting up a roadmap for the home buying process. Overall, you’ll create more certainty for yourself. This will help you understand things like the kind of loan you’ll need and what price range you’ll be able to afford.
  2. It’s a soft credit inquiry.  Many people tend to be nervous about the prospect of pulling their credit to see if they qualify for a loan. FICO understands that you may be getting one, or multiple, pre-approvals as part of the homebuying process. Your credit score may not even be affected. If it is, it will be minimal—pulling your credit to qualify for a home loan isn’t the same as a hard credit inquiry like opening a new line of credit at Nordstroms.
  3. Once you get pre-approved, you’re done. Even though certain banks will tell you that your pre-approval is only good for a certain number of months, this isn’t the case so long as your financial situation stays the same or improves. If this is the case, your lender will simply re-issue your pre-approval and you’ll be ready-to-go once more.
  4. You get to learn about different options and loan programs. There are many, many options out there that many buyers aren’t even aware of until talking with their lender. So even if you had an idea of what you thought you wanted, the process of getting pre-approved could point you to a different option you like even more.
  5. You will learn the price range to focus on. I once had a client who told me he wanted to look at homes in the $600,000 price range because that what’s he assumed he would be approved for. However, after finding one he liked he talked to a lender, got pre-approved, and found out that he qualified for $850,000 price range. Once he found out he could be looking in that range, we realized that we had spent three weeks prior searching for things that were far below what he was able to afford.
  6. You will understand your monthly payment. Despite what you might be able to afford, hearing how much homes in that price range will actually cost in terms of monthly payments can be daunting. There’s no need to buy at the absolute top of your price point. Real estate is all about math, so finding a home you’re comfortable with will be as simple as adjusting the price point until you find a monthly payment that sounds reasonable to you.
  7. It gives you an opportunity to understand your credit. Many people have imperfect credit, and loan programs tend to work on a tiered system with different levels representing what is available for different credit scores. But even if your credit isn’t the best, you can still get pre-approved and start working on raising your score. This way, you’ll be able to get a better interest rate, a better loan, and a lower monthly payment.
  8. You have time to fine-tune things. A client of mine who was pre-approved six months out found out during the process that he had a couple of medical liens on his credit report. This dropped his score by 100 points, which meant he wasn’t able to get the best loan or interest rate. Fortunately, after three months with a credit repair company he was able to boost his score back up by 80 points and qualify for a great loan and a great property. If he had gotten pre-approved right before he wanted to buy, he wouldn’t have been able to get into the kind of property he wanted.
  9. It puts you in a position to submit an offer. Buyers with a pre-approval letter are much more attractive to sellers. In fact, many sellers won’t even consider an offer that isn’t supplemented with a pre-approval letter.
  10. It’s just the right way to do it. As you can see, there are many reasons why pre-approval is so essential. Getting pre-approved, and doing so early, will make a huge difference in your transaction.

If you have any other questions or would like more information, feel free to give me a call or send me an email. I look forward to hearing from you soon.
Labels:
Location: Orange County, CA, USA
Subscribe to: Posts ( Atom )