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Why Hire  A Realtor

With so much information readily available online, clients sometimes ask, "Why should we hire a real estate agent"?  Why not buy or sell a home through the Internet or through regular marketing and advertising channels without representation?  The enticement, of course, is to save money.


Some do okay, many don't.   So here are 10 reasons to consider hiring a professional real estate agent.

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Curb Appeal Tips
Private Mortgage Insurance

We’ve often heard it said - first impressions are important and often leave a lasting effect. When selling your home, a front exterior and yard that makes a great first impression will peak the interest of potential buyers and make them want to see what’s inside, because they already feel it will be wonderful.  


In contrast, a rundown or tired exterior lessens the chance of buyers stopping to check your home, missing out on what might likely be beautiful interiors.  And if they do take the time to look, they already have a negative feeling about the whole experience. Read More

Private Mortgage Insurance, more commonly known as PMI, is a special type of insurance policy that protects lenders against loss in the event of a borrower defaulting on mortgage payments.  


A large majority of lenders require PMI for homeowners who make a down payment of less than 20% of the purchase price of a home.  

In the mortgage industry, the risk a mortgage presents is measured through its loan to value (LTV) ratio. The higher the LTV ratio, the higher the risk for defaults.   A mortgage with an LTV in excess of 80% require a PMI.

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Benefits of Investing in Real Estate

The Housing Market Crash in 2007 was the worst crisis that affected the housing sector in the US in 50 years.  This caused a financial crisis and recession that nearly drove the country into another Great Depression.


In the aftermath of the recession, the negative sentiment over real estate investment was understandable.  Few were inclined to put their hard earned money into property. Americans, in fact, prefer to stash their investment dollars in the stock market.


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Fixed Rate Versus Variable Rate Mortgage

Taking out a mortgage loan?  While there are several types available, 2 of the most popular are the Fixed and the Variable Rate mortgage loans.


Which is better?  Read on to find out what will work best for you.


Let’s Break Things Down


What is Fixed-Rate Mortgage (FRM)?


As the name implies, a fixed-rate mortgage is one that has an interest rate that does not change for the entire term of the loan.


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Disagreements When Buying A Home

So you and your significant other have decided to buy a home.   While this is definitely an exciting time, it could also easily become very trying and stressful.  Can your relationship handle buying a home?


An interesting survey conducted by LendingHome, on millennial and GenX couples (aged 25 to 45) showed an interesting trend - couples who have been together for 5-plus years disagreed frequently, but are more aligned in their goals when searching for a home.

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Paying Buyer Closing Cost

People have varied reasons for selling their home.  Whether it’s because of an upgrade, a downsizing or a necessary move, the ultimate goal is to sell at the highest possible price in the desired time period.  But there is more to selling a home than just putting a “For Sale” sign up in your front yard.

A real estate expert who has experience and knowledge of the market trends in your neighborhood will be able to help you realize your goal of selling our home for the beat price in the right timeframe or your needs.

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Call Me!


Working Hard For You

Mike Kish Realtor  

HomeSmart Real Estate

27645 Jefferson Ave, Suite 116

Temecula CA., 92590

Cell# (951) 473-4069    DRE #01870610

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Mike Kish

The Seriously Hard-Working Realtor

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