Buying your First Home in Mission Viejo

Buying your first Home in Mission Viejo will most likely be a stressful event if your like most people. How much can you afford? Where is the best neighborhood to Buy in? How much do I need for a down payment? A monthly mortgage obligation for the next 30 years... Yikes!!! But having bought and sold many homes of mine own, and helping hundreds and hundreds of home owners purchase their first home, I can attest to you that is well worth the initial stress.

Mission Viejo has a wide range of housing designed for the first time home owner. There are currently 82 attached Condos and Townhomes for sale in Mission Viejo ranging in price from $319,900 for a 1 bedroom, 1bath on up to $679K for an attached Townhome with 3 bedrooms, 2.5 baths, 2 car garage, 2,200 SqFt of living area, and a nice sized back yard.

If one prefers detached homes, there are 111 homes for sale in Mission Viejo ranging in price from $519,900 to $1,899,000. The lowest priced detached home is a 2 bedroom, 2.5 bath home with a two car garage, and the highest priced estate comes with 4 bedrooms, 4.5 baths, and 3,800 SqFt of living area.

There are many loan programs available today in Mission Viejo that are designed for first time home buyers that did not exist just 7 years ago. There are loan programs offering no down payment of very low down payment of 3% to 5%. There are other loan programs geared for the self-employed in which you do not have to verify your income (so called stated income) if you have sufficiently good credit. In other situations it can be negotiated to have the home seller pay for your closing costs. While other loans exist offering adjustable rate mortgages, interest only mortgages and now a new 40 year amortized mortgage... all developed to help keep the monthly payments down.

If your like most people in this state, the home that you own and live in will be your best and most valuable investment in your life. Coastal Orange County real estate has enjoyed great price appreciation for many decades now, and estimates are that will continue for decades to come. Plus the tax advantages for owning real estate are unbeatable. You can deduct your interest payments on your residence, or save capital gains tax using a 1031 exchange for rental property, plus the tax free treatment of up to $500K of equity when you sell your residence, makes real estate ownership a fantastic investment and great tax shelter.

There are also new computer technologies available today that greatly assist the new home buyer in searching for and identifying the perfect home. These new home finding technologies bring peace of mind and convenience to today's busy home seeker. Plus acquiring the services of an professional Realtor who has lots of experience in working with first time home buyers will help greatly in making this an enjoyable process, rather then a frustrating one.

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Go Sailing

Sailing is a fantastic way of spending your vacation amidst the clear blue ocean and getting involved in lots of sea faring activities. Whatever occasion it may be, a honeymoon, a wedding celebration or a family vacation you can make the most of your opportunity by snorkeling, scuba diving, hiking, playing golf, kayaking, swimming and sun bathing.

Apart from enjoying these several recreational programs, you can surely spend your time by observing sea birds, dolphins, sea turtles and whales. Sailing boats are available in a variety of forms and magnitudes depending upon the purpose for which it is going to be used. Some of the essential sailing gear comprise of gloves, short waterproof boots with a solid traction on the soles, wind shorts or pants and waterproof hooded windbreakers. Life jackets are also essential for sails boat. Hawaii and the Caribbean islands are two very exotic sailing destinations attracting large number of tourists each year.

Sailing School And Lessons

If boating, sailing and cruising are your passions then joining a Sailing School will prove to be of immense help. The sailing schools offer all-round sailing lessons basic sailing instructions, basic cruising instructions, bareboat charter lessons, navigational lessons, coastal cruising courses, etc. Lessons, that are beneficial for both the novice and the veteran. While the beginners learn the basics from these programs, the experienced lot get a chance to hone their skills.

The many sailing schools like the Annapolis Sailing School, Offshore Sailing School, Ottawa Sailing School, Windward Sailing School offer comprehensive sailing lessons that enable the sailors to guide the vessels to safe anchoring at a targeted port. Equipped with the best of programs, the most experienced instructors, quality sailing gears, these professional sailing institutes offer different certificate courses. The backdrop or the environment in which the Sailing schools are located, also works to the advantage of the learners/trainees.

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You're Not Paranoid: The House Really Hates You

If you've just bought a house, you may be able to relate to a fascinating essay in Maya Angelou's book, Even the Stars Look Lonesome.

When Ms. Angelou moved into a designer house in California, she says, nothing worked. Her pictures didn't look right on the walls. Cakes fell in the oven and curtains fell off the rods.

The house, she concluded, hated her. And it wasn't much consolation to realize the house hated her husband, too.

What I want to know is, how could she tell?

Let's face it, most houses hate their new owners. They have adapted to the rhythm of one family and resent being sold.

Like most cats that you rescue from the pound, your house probably believes, "If I'd waited awhile, a better owner would have come along. So I'm going to make this one's life miserable."

When you move

Those who are trained in modern research methods will be skeptical, but there's plenty of evidence. Everyone knows what happens when you move into a new house.

"You'll see a lot of repair services in the first six months," I was warned. "When a house hasn't changed hands in five years or more, lots of little things will happen when you move in."

Now, you'll notice this doesn't happen when you rent a house or apartment. Some friends of mine rented a house while they saved to buy their own property.

For two years, the refrigerator purred and the air conditioner hummed contentedly. The plumbing flowed silently and the insect life remained hidden. Encouraged ("see, a house isn't so bad after all!") they took the plunge and bought their own home.

I'd like to say they're doing great but in fact they've dropped out of sight. They can't take phone calls any more. "Sorry, we can't tie up this line. We're holding the phone open till we hear from the handyman..." Or the pest control guy, or the electrician. They considered Call Waiting but were afraid to jinx the only object in the house that seemed to be working.

If you seem particularly gullible, (e.g., the house senses that you're new to this game), your appliances may join the fun. I am absolutely positive the once-faithful refrigerator sent out a message: "How about this, guys. Let's really confuse everybody. I'll put out a leak, send the water over to the sink, and they'll think it's a big pipe in the wall. After they've poked a few holes they'll realize it's time to wake up that sleeping repairman!"

And one day my security system kept getting an "Open Door" signal even when the door was firmly locked. The tech found nothing wrong and it never happened again.

My lawn service person knew how to work the system: Let Them Know Who's Boss. After he cut back the hedges and pulled some over-aggressive vines, the bushes stopped sulking and started putting out nice flowers. They knew what would happen if they didn't.

Making Peace with the House

Soon you've emptied your bank account to create a peace offering -- a new floor or a paint job or a screen door."Every so often," I'm told, "you even get thirty days with no service calls. But after six months or so, the house gets bored and it'll start all over again."

One thing is certain. In your house's "Lose the Owner" contest, there's one simple rule. Whoever costs the most, wins.

For serious advice about moving, download Making the Big Move.

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