Envision Real Estate & Loans Inc

Envision Real Estate & Loans Inc Here at Envision Real Estate & Loans our goal is for everyone of our clients to experience a level of service like no other

04/24/2026

Cómo mis consultas son gratis te puedes imaginar cuántos compradores estoy hablando al diario. Una de las preguntas más comunes es si es mejor ponerle el enganche mínimo o esperarse para ahorrar el 20%.

La respuesta te va a sorprender.

Claro, si tienes el 20% es mejor ponerle todo para que no pagues la aseguranza del préstamo.

Pero para mucha gente no tiene el 20%. Y si te esperas en ahorrar ese dinero a veces te sale peor que ponerle Menos.

Mucha gente se olvida que mientras estás ahorrando los valores de la casas suben.

El problema es si te esperas mucho tiempo, lo que te estás ahorrando te va a costar más por el precio de la casa en el futuro.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/24/2026

It must be a reoccurring theme that every year there’s always talk about it being the year the market is going to crash. It never fails.

Believe me that every Buyer hopes for this to happen.

Hope is not a strategy. For a market to crash there has to be a lot of underlying factors tied into the economy.

Last time we had a crash it was highly because of mortgage fraud. People were given bad loans and when putting him to shove, they weren’t able to make their payments. Millions of people across the United States became delinquent and then had their home foreclosed.

However, today, the amount of people who are 90 days delinquent on their payment is less than one percent. It is nowhere close to what happened in 2007.

Unless people lose their homes and inventory increases a crash is very unlikely to happen.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/24/2026

Because I offer free consultations, you can only imagine the amount of buyers that I talk to you on a daily basis. One of the most common questions they have is if they should put the minimum amount of down payment or they should wait to put down 20%.

I think the answer will surprise you.

In all honesty if you already have the 20% down then 20% would probably be the best option however, if you don’t have the money and plan on waiting, that may not be the best strategy

The one part that most people forget is Home price appreciation period while you’re spending time trying to save up the price of homes continue to increase.

Sometimes the price of the home will increase more than you’re able to save, and if that’s the case, you may not be saving on your monthly payment

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/24/2026

The rep predictions have came out and it is predicted for rates to be pretty flat until the end of the year.

However, keep in mind this is only a prediction. We’ve already learn our lesson that anything could happen and anything could affect rates. Assuming nothing dramatic happens around the world or in the United States. The prediction shows that rates will stay pretty flat with the most optimistic prediction saying it will get down to 5.7%.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/21/2026

🏡 For Sale Now 🏡

📍 San Leandro Ca
🛏️ 3 bedroom
🛁 2.5 bath
📐 2,107 Sq Ft
🌳 5,264 Lot Sq Ft
🏠 ADU potential/Ready


📱Text “San Leandro” to 510-862-6716 to get a free list of San Leandro homes for sale.

👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.EnvisionRE.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/21/2026

Una pregunta bien común que siempre me están preguntando mis compradores si comprando un carro antes de una casa va a afectar su préstamo.

Mi respuestas siempre va a ser que sí. Si te va a afectar.

La razones, por la forma que te aproba el banco.

El precio que te van a aprobar, el banco, va a depender en su sueldo mensual comparado a su deuda.

Y compras un carro vas a tener más deuda. Y por tener más deuda se baja la cantidad que te pueden aprobar.

Eso puede ser la diferencia entre comprar una casa o comprar un condominio o también puede ser la diferencia si puedes comprar en el vecindario donde quieres vivir.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/21/2026

Can I believe me when I say I’m not trying to spend your money. You’ve earned it and you have every right to spend it your way.

As a realtor I have hundreds of thousands of conversations with people wanting to buy a home and the most common theme amongst a lot of them is that they don’t have enough in savings to put a down payment.

Now, just a quick FYI, if you’re a First Time Buyer in California, you can use a down payment program which could effectively have you paying zero dollars out of your pocket to buy at home. However, if you still wanna put a down payment, there’s a way you can get some savings quickly.

That way comes in form of your tax return.

For most people, I noticed when they get their tax return they go on a spending spree. Either they take vacations, buy a car or just bend it buying materials. Now I’m not saying that’s a bad thing, but maybe you should plan on using your tax return a little more strategically.

My ideas that you sacrificed one year of spending and use that tax return towards a down payment. Not only will that help you purchase a home but next year because you were able to buy a home the tax benefits may be greater and your tax return may actually increase.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/21/2026

I’m sure you have heard the riddle what comes first? The chicken or the egg?

Well, here in the real estate world we have a riddle of our own. It goes what comes first? The house or the car?

Now I don’t know the answer for the chicken and the egg, but I definitely know the answer between the house or the car.

The answer is the house! Always the house.

The same goes you can always buy a car after the house, but you can’t always buy a house after the car.

The reason is because the way that bank think and the way that they preapproved you. They preapproved you based on how much money you make monthly compared to the amount of debt that you have. The more debt that you have the lower, your preapproval amount will be.

So ideally, having less debt is more beneficial than having more debt.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

04/21/2026

Here’s the craziest part of this graph. The source of this information is coming from the federal reserve. You would think it will come from a realtor association or something that is biased towards people buying homes, but it’s actually coming from the government.

The most obvious fact from this graph is that there’s a huge difference between the net worth of a renter and a homeowner. Almost $300,000.

But the other thing that you may have missed is the growth between their net worth.

If you look in 2019 a renters average net worth is around $7300. Now look at what it is estimated to be in 2026. Just $10,000. That’s less than $2000 of growth over the last seven years.

It’s not because homeowners are more disciplined in saving or that they have magical insight into what to invest in.

That they were given a choice. The choice was to rent a home or own a home. Homeowners figured that no matter what they would have to pay for a roof over their head. So they decided to put that money pour something they own, as opposed to lining their landlord’s pockets.

The crazy part is that because they now own that home, that Home now grows in value. That’s where their net worth is coming from.

👇🏻👇🏻👇🏻👇🏻
I would love to help in any way. Whether you have questions, looking to buy or sell in 1 week or 1 month or in 1 year. I’m here to be your guide.

Jaime Gonzalez
Real Estate Broker/Mortgage Broker
📱 Call or Text: 510-862-6716
📨 Email: [email protected]
🌐 www.Envisionre.net
🏡 DRE: 02081804
🏦 NMLS: 2318390

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Hayward, CA

Telephone

+15108626716

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