about me

June Gonzales
I started my Real Estate career in 1991 in the Title and Escrow industry. In 2002 I decided to take all of my knowledge of title and escrow into Real Estate Sales. I feel being on the other side of a real estate transaction has given me valuable insight of the entire transaction from start to finish. I am what you could call a Ventura County local.

mission

Mission Statement
I believe my real estate relationships should not end at the close of escrow.I like to treat all of my clients like they were my own family. Finding the perfect place to call home is just the beginning of becoming part of a community. Where you live leads to many important factors that impact your daily lives.

vision

Community
Whether you are choosing an area for a school, shopping, transportation , parks , beach access or a view, I will guide you through every step of the way.I want to make you a Ventura County Local too.

Three Steps to Getting a Mortgage

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Start by determining how much mortgage you can afford. Lenders are apt to put your loan application in the best light and qualify you for as much as they are willing to lend, which can be more than you can afford or need.
It’s up to you to take stock of your income and expenses, current and projected, to determine what you can comfortably manage each month. Along with your mortgage payment, don’t forget related insurance, taxes, homeowner association dues and any other costs rolled into the mortgage payment.

HANDHOUSE

When you are ready to shop for a loan you have two basic types of mortgage stores to shop — direct lenders and mortgage brokers.
Direct lenders have money to lend. They make the final decision on your application. Brokers are intermediaries who, like you, have many lenders from which to choose. Lenders have a limited number of in-house loans available. Brokers can shop many lenders for each lenders’ store of loans. If you have special financing needs and can’t find a lender to suit them, an experienced broker may be able to ferret out the loan you need. Mortgage brokers, however, are paid from the amount you borrow. The amount varies. Mortgage brokers are a lot like real estate agents, make sure to go with someone who is recommended and has been in the business a substantial amount of time. Internet brokers perhaps receive the smallest cut, sometimes none at all, and can prove to be a real bargain.
Don’t just go with the lowest interest rate. There are many other factors that affect the true cost of the loan, inlcuding broker fees, points (each point is one percent of the amount you borrow), prepayment penalties, the loan term, application fees, credit report fee, appraisal and many others.

Apply-for-a-loan

The application process is the easy part — provided you’ve gathered documents necessary to prove claims you make on the application.
The application will ask for information about your job tenure, employment stability, income, your assets (property, cars, bank accounts and investments) and your liabilities (auto loans, installment loans, mortgages, credit-card debt, household expenses and others).
The lender will run your credit report to look at your FICO scores, which are very important when it comes to rates and terms you will be offered. You will also likely have to supply additional documentation, including paycheck stubs, bank account statements, tax returns, investment earnings reports, rental agreements, divorce decrees, proof of insurance, among other information. If the lender deems you creditworthy, it will likely hire a professional appraiser to make sure the value of the home you want to buy is worth your purchase price.

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services

Real Estates Sales
Buyers
Sellers
Manufactured Homes
Single Family Residences
Condominiums
Residential Income
Horse Property
1031 Exchanges
Short Sales

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