Home Mortgages by Danielle Shafer Nmls#251936

03/25/2022

Are you looking to buy a new home, but are feeling nervous about listing your current house without having a new home secured first? Maybe your down payment for your new home is “stuck” in the equity of your current home.

Whatever the case, myself and Team Guidi can help you confidently buy before you sell! Swipe to find out how and can help you put together a customized real estate plan, and click the link in bio on for the full REALstats Market Update 🏡

02/23/2022

We all know Contra Costa County has become an expensive place to live, but what do the numbers look like? How might they affect you and the Pre-Approval you got last year or even a few months ago?

Here are the average home price in Contra Costa County for the last 2 years and average 30-year fixed mortgage rates.

December 2020
* Average home price: $763,000
* Average 30-year fixed mortgage rate: 2.82%
* Your monthly mortgage payment would be $2514. (assuming a 20% down payment)

December 2021
• Average home price: $830,000
• Average 30-year fixed mortgage rate: 3.18%
• Your monthly mortgage payment would be $2864 (assuming a 20% down payment)

Home prices went up on average $67,000 in 1 year and the average 30-year fixed mortgage rate increased by 0.36%.

What does this mean?
A $350 MONTHLY payment increase in one year. (Dec. 2020-Dec. 2021)

How does this effect your affordability and most importantly your Pre-Approval today?

Let me give you an example:
Let’s say you were Pre-Approved in December of 2020 for a purchase price of $900,000 with a 20% down payment and the average 30-year fixed mortgage rate at 2.82%.
Assuming your income and down payment remained the same, your Pre-Approval today would be reduced to a purchase price of $790,000, with the current going rate on a 30-year fixed of roughly 4.09%, as of Feb. 17, 2022.

In this example, you would qualify for a purchase price of $110,000 less today, than in December 2020!!

Bottom line: It’s not making much sense to wait. Not only can it cost you more in price and interest paid to the mortgage lender, but you may not qualify for the same price home you did a year ago. All while housing prices have still continued to increase.

✨✨If you have been Pre-Approved in the last year to buy a home, it’s time to get your Pre-Approval updated! You may be shopping for homes outside of your budget or may not be approved for the same mortgage loan anymore. If you have questions or would like to talk to me more about this, please DM me or email me at: [email protected]

02/17/2022

Relevant and current mortgage information, tips, and education coming your way soon! Stay tuned!

05/05/2019

4.5 Star Review on SocialSurvey — Danielle was able to get us an amazing rate for our mortgage refi. She was able to streamline the process and work through obstacles met. We’re grateful for Danielle’s hard work. by Brandon H. for Danielle Shafer
www.pmaloans.com/dshafer.

Danielle Shafer has 32 reviews. Danielle is a Mortgage professional in San Francisco Bay Area. Danielle is the Mortgage Loan Officer | NMLS # 251936 of Private Mortgage Advisors.

04/23/2019

5.0 Star Review on SocialSurvey — Danielle was so responsive and made herself available to discuss and explain every option and turning point through the process. This is the 2nd loan she has helped us through and I have nothing but great things to say about her and her work ethic. A very stressful journey navigated with ease by Danielle. Not to mention her knowledge base is very comforting through the entire process. by Jeremy C. for Danielle Shafer
www.pmaloans.com/dshafer.

Danielle Shafer has 32 reviews. Danielle is a Mortgage professional in San Francisco Bay Area. Danielle is the Mortgage Loan Officer | NMLS # 251936 of Private Mortgage Advisors.

03/28/2019

ATTN Realtors: Do you need to be able to Write a Non Contingent Offer for your clients?

Do your clients want peace of mind securing their next home before they have to sell their current home?

Learn 4 specific strategies for your clients who are looking to move up or move down that will allow them to write an offer without being contingent upon the sale of their current home. These are strategies that are specific to this market and have shown to be effective on numerous transactions. Quick closes as little as 14 days and exceptional knowledge and service. Come enjoy some great food and learn strategies that are required to understand in this market.



Please feel free to invite work colleagues that can also benefit from this lunch and learn. Space is limited. See more event details on flyer below.

RSVP @ https://www.eventbrite.com/e/write-a-non-contingent-offer-how-to-buy-before-you-sell-tickets-59248699455 [eventbrite.com]

02/25/2019

I’m proud knowing how happy my clients are that work with me. Come see what it’s all about yourself, whether you’re looking to buy or do a mortgage check in for a refinance on your current mortgage loan.

Check out more reviews here: https://socialsurvey.me/pages/danielle-shafer

12/11/2018

5.0 Star Review on SocialSurvey — Danielle is the sweetest most thorough, professional I have had throughout the entire home buying process! I would reccomend her to anyone! by Lauren H. for Danielle Shafer
www.pmaloans.com/dshafer.

Danielle Shafer has 30 reviews. Danielle is a Mortgage professional in San Francisco Bay Area. Danielle is the Mortgage Loan Officer | NMLS # 251936 of Private Mortgage Advisors.

10/20/2018

5.0 Star Review on SocialSurvey — She was detailed in answering my concerns and worked in a very timely manner. She provided different outlooks pertaining to my situation and displayed much perseverance exploring all options beneficial to me.
I would recommend her to anyone! by Kenneth D. for Danielle Shafer
www.pmaloans.com/dshafer.

Danielle Shafer has 29 reviews. Danielle is a Mortgage professional in San Francisco Bay Area. Danielle is the Mortgage Loan Officer | NMLS # 251936 of Private Mortgage Advisors.