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Ron Siegel’s Mortgage Market Update brought to you by Geneva Financial June 13, 2024

Unlocking the Secrets of Inflation: How the Fed is Winning the BattleSupercore inflation saw a rare -0.04% drop in May.Durable goods prices fell by -3.8% YoY.Average home purchase loan sizes are decreasing.Travel costs (car rentals, airline fares, hotel rates) are dropping.Want to understand how these trends affect you? Dive into our latest blog post and learn more!#InflationInsights #HomeFinance #EconomicTrends #TravelCosts #HousingMarket#HousingMarket2024 #MortgageRates #EconomicTrends #HomebuyingTips #FinancialPlanning #RonSiegelRadioSubscribe and receive it daily ABSOLUTELY FREE at http://www.RSRMarketMinute.com

Ron Siegel Radio featuring Frank Garcia

Uncovering Financial Opportunities: Insights from Recent Radio ShowsMaximize Your Social Security and Mortgage BenefitsIn a world full of financial uncertainties, having trusted guidance is crucial. Our recent radio shows delved into the intricacies of Social Security planning, real estate market trends, and smart mortgage strategies. Whether you’re planning for retirement, buying your first home, or refinancing, this comprehensive recap will help you navigate these critical financial decisions.Social Security: The Hidden StrategiesSocial Security can be a complex subject, and many people miss out on potential benefits simply because they don't know the rules. In our discussion with Frank Garcia, a seasoned financial services veteran, we explored various strategies to maximize your Social Security benefits. For instance, did you know that delaying your benefits until age 70 could increase your payout significantly? Or that you might be eligible for a survivor benefit if your spouse passes away?Frank shared real-life examples where strategic planning made a substantial difference. One case involved a couple where the wife wanted to retire at 62 but needed to understand the penalties and limitations. Another case focused on a widow who learned she could optimize her benefits by waiting until full retirement age. These insights are invaluable for anyone looking to secure their financial future.Real Estate Market: Common Buyer MistakesNavigating the real estate market can be daunting, especially with high mortgage rates and rising home prices. Our recent segment highlighted common mistakes that buyers make and how to avoid them. Key points included the importance of getting pre-approved, being realistic about your home search, and not overextending your budget.Working with a local real estate agent can save you time, money, and stress. Agents provide professional legal guidance, market expertise, and support throughout the home-buying process. Remember, buying a home is one of the most significant investments you'll ever make – having a trusted advisor is essential.Smart Mortgage Strategies: Borrow SmartIn our Borrow Smart segment, we discussed the importance of planning your mortgage strategy wisely. Many homeowners overlook the benefits of a reverse mortgage or refinancing options that could save them hundreds of dollars each month. For example, our VA 100 program allows veterans to borrow up to 100% of their home's value, providing an excellent opportunity to consolidate debt and lower monthly payments.Additionally, we shared a cautionary tale about a family who moved out of state and paid cash for their new home, only to find themselves cash poor and non-bankable later. Proper planning and leveraging your home's equity can prevent such scenarios and ensure financial stability.Bottomline: Secure Your Financial FutureUnderstanding the nuances of Social Security, real estate, and mortgage options can significantly impact your financial well-being. Whether you're planning for retirement, buying a home, or looking to refinance, having the right knowledge and expert advice is crucial.For personalized guidance tailored to your unique situation, reach out to me directly. Let’s discuss how you can optimize your financial strategies and secure a brighter future for you and your family.Watch the full video replay of my recent radio program for more insights, and feel free to share it with friends, family, or coworkers who might benefit. For personalized assistance and trusted guidance, reach out to me directly at 800 306 1990 or visit RonSegalRadio.com.For more insights and personalized advice, don't hesitate to contact me directly or visit ronsiegelradio.com. Let's turn knowledge into action.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬SUBSCRIBE:✅ Subscribe to my YouTube channel: RonSiegel1▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬LET'S CONNECT:Let's connect to discuss your home-buying strategy:→ Send me a text (800) 306-1990→ Shoot me an email: Ron@RonSiegelRadio.com→ Visit my website: http://www.RonSiegelRadio.com→ Book a free call with me: Book Now→ Connect with me: linktr.ee/RonSiegel▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬RELATED VIDEOS:► Check out my LATEST VIDEO that I just published!   • Uploads from Ron Siegel  ► CHECK OUT THE LATEST REAL TIME REAL ESTATE:   • REAL TIME REAL ESTATE► CHECK OUT THE LATEST MORTGAGE MINUTE:   • MORTGAGE MINUTE ► CHECK OUT THE LATEST YOUR CREDIT MATTERS:   • YOUR CREDIT MATTERS ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬OUR PROCESS:We can help you save thousands on your next home without spending a ton of time! My team and I will customize your home financing strategy so you can quickly and efficiently get the home you are looking for at the right price. Here’s how our two-step process works:First, we get you pre-approved so you know your options and what your buying power is. Next, we get you aligned with one of our top real estate partners who will help you negotiate the best deal on your home.Whether you are a first time home buyer or looking to invest in your next rental property, we have helped over thousands of clients save thousands of dollars without spending a ton of time on the home-buying process. Ready to get started? Let's discuss your options.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬SOCIAL:→ Follow me on Instagram: https://instagram.com/ronsiegel→ Friend me on Facebook: https://facebook.com/ronsiegelradio→ Subscribe to me on YouTube: RonSiegel1▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬TOOLS:→ Get my FREE Homebuyers Guide: RSRHBG.COM→ Track your home value: RSRHomeScout.COM→ Get the latest market data for your city: RSRLISTANA.COM▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ABOUT ME:My name is Ron Siegel, Radio Host and Branch Manager at Geneva Financial. And I'm dedicated to helping homebuyers like you get pre-approved on your mortgages across America. Whether you're purchasing, refinancing, downsizing, buying a rental, or even your first mortgage, we got you covered. Specifically, I'm licensed in these states: California, Idaho, and Texas. Our Company is licensed in 48 States. For more licensing information, please visit https://www.genevafi.com/disclosures-...The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative. Geneva Financial LLC. All rights reserved. NMLS ID# 42056 (http://nmlsconsumeraccess.org). Equal Housing Opportunity. This information is not intended to be an indication of loan qualification, loan approval, commitment to lend, or offer to enter into an agreement. Loans are subject to credit and property approval. Not all customers will qualify. Information, rates, terms, and availability of programs are subject to change without notice. Not all products are available in all states or for all dollar amounts. If you are refinancing your existing loan, your total finance charges may be higher over the life of the loan. VA loans subject to VA eligibility. Other restrictions and limitations apply.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬HASHTAGS: #RonSiegelRadio #GenevaFinancial

Ron Siegel Radio featuring Scott Schaeffer

Rising Insurance Rates: What Every Homeowner Needs to KnowAs a homeowner, dealing with rising insurance rates can be a daunting task. It's not just about finding the right coverage, but also understanding the complexities of the insurance market, especially with recent changes in California. Today, we’re diving into this critical topic with insights from Cory Newow of Next Tier Insurance Services. Let’s explore the challenges and solutions available to protect your home and your wallet.Understanding the Current Insurance LandscapeInsurance rates have been skyrocketing, and it’s not just a California issue. States like Florida are also feeling the pinch. Why? Insurance companies are pulling out of certain markets or dramatically increasing premiums due to higher risks and regulatory restrictions. For example, the California Department of Insurance limits how much premiums can increase annually, making it difficult for companies to stay profitable. This has led to a reduction in available policies, pushing more homeowners into higher-cost non-admitted or fair plans.The Impact on Homeowners and HOAsHomeowners and Homeowners Associations (HOAs) are both feeling the effects. We've seen premiums double or even triple, causing significant financial strain. HOA members, in particular, are hit hard as the cost of master policies covering entire communities skyrockets. Cory highlighted a case where an HOA’s annual premium jumped from $100,000 to $300,000, leading to hefty special assessments for residents.What Can Homeowners Do?Consider Higher Deductibles: Raising your deductible can lower your premium. It’s a balancing act – save money on premiums but be prepared for higher out-of-pocket costs in case of a claim. To mitigate this, consider setting aside funds specifically for your deductible in a Roth IRA or utilizing home equity through products like the RSR Home Select.Shop Around: Don’t just accept the first renewal notice you get. Insurance underwriting guidelines are constantly changing, so it’s crucial to explore different options and find the best fit for your situation.Home Improvements: Some insurers offer discounts for homes with updated features like modern electrical panels or water shut-off devices. These improvements can make your home safer and more attractive to insurers.Navigating HOA Insurance ChallengesFor HOA members, it’s essential to understand your association's policy and advocate for proactive measures to manage costs. This includes pushing for higher deductibles and ensuring your community meets modern safety standards.BottomlineStaying informed and proactive is key to managing rising insurance costs. If you’re facing challenges with your insurance or need guidance on your mortgage options, I’m here to help. Reach out to me anytime at 800-306-1990 or visit RonSiegelRadio.com. Together, we can navigate these complexities and protect your most valuable asset – your home.For more insights and personalized advice, don't hesitate to contact me directly or visit ronsiegelradio.com. Let's turn knowledge into action.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬SUBSCRIBE:✅ Subscribe to my YouTube channel: RonSiegel1▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬LET'S CONNECT:Let's connect to discuss your home-buying strategy:→ Send me a text (800) 306-1990→ Shoot me an email: Ron@RonSiegelRadio.com→ Visit my website: http://www.RonSiegelRadio.com→ Book a free call with me: Book Now→ Connect with me: linktr.ee/RonSiegel▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬RELATED VIDEOS:► Check out my LATEST VIDEO that I just published!   • Uploads from Ron Siegel  ► CHECK OUT THE LATEST REAL TIME REAL ESTATE:   • REAL TIME REAL ESTATE► CHECK OUT THE LATEST MORTGAGE MINUTE:   • MORTGAGE MINUTE ► CHECK OUT THE LATEST YOUR CREDIT MATTERS:   • YOUR CREDIT MATTERS ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬OUR PROCESS:We can help you save thousands on your next home without spending a ton of time! My team and I will customize your home financing strategy so you can quickly and efficiently get the home you are looking for at the right price. Here’s how our two-step process works:First, we get you pre-approved so you know your options and what your buying power is. Next, we get you aligned with one of our top real estate partners who will help you negotiate the best deal on your home.Whether you are a first time home buyer or looking to invest in your next rental property, we have helped over thousands of clients save thousands of dollars without spending a ton of time on the home-buying process. Ready to get started? Let's discuss your options.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬SOCIAL:→ Follow me on Instagram: https://instagram.com/ronsiegel→ Friend me on Facebook: https://facebook.com/ronsiegelradio→ Subscribe to me on YouTube: RonSiegel1▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬TOOLS:→ Get my FREE Homebuyers Guide: RSRHBG.COM→ Track your home value: RSRHomeScout.COM→ Get the latest market data for your city: RSRLISTANA.COM▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ABOUT ME:My name is Ron Siegel, Radio Host and Branch Manager at Geneva Financial. And I'm dedicated to helping homebuyers like you get pre-approved on your mortgages across America. Whether you're purchasing, refinancing, downsizing, buying a rental, or even your first mortgage, we got you covered. Specifically, I'm licensed in these states: California, Idaho, and Texas. Our Company is licensed in 48 States. For more licensing information, please visit https://www.genevafi.com/disclosures-...The information contained is the viewpoint of the presenter(s). Individuals should consult their own financial representative. Geneva Financial LLC. All rights reserved. NMLS ID# 42056 (http://nmlsconsumeraccess.org). Equal Housing Opportunity. This information is not intended to be an indication of loan qualification, loan approval, commitment to lend, or offer to enter into an agreement. Loans are subject to credit and property approval. Not all customers will qualify. Information, rates, terms, and availability of programs are subject to change without notice. Not all products are available in all states or for all dollar amounts. If you are refinancing your existing loan, your total finance charges may be higher over the life of the loan. VA loans subject to VA eligibility. Other restrictions and limitations apply.▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬HASHTAGS: #RonSiegelRadio #GenevaFinancial

listings View All →

4203 W Kennewick Ave Apt 47

This open-concept design ensure that this lovely condo feels spacious and airy perfectly complimenting the new updates. Newly remodeled this gem offers privacy as well as being in a central location near most daily conveniences. The updates include both bathrooms, kitchen, flooring, trim, lighting, fixtures, doors, and paint. The HVAC is only 6 years only and windows have been replaced in the last 3 years. Community has a pool and pool-house and storage unit off of the parking spot.

17127 Gledhill St

Looking for the Trophy of the Neighborhood? This Residence is Nestled in a Peaceful Cul-De-Sac location. The Home displays an Open Floor and Boasts 5 Bedrooms and 4 Bathrooms (1 Downstairs Bathroom is Handicapped Equipped). The Double Front Entry leads to a Large Living Room with its Natural Warmth of a Wood Burning Fireplace and adjoining Formal Dining Room. The Family Room is Enticing with it's Brick Fireplace and Built-In Wooden Entertainment Center. The Downstairs Bedroom (Currently Used as an Office) is Ideal for Someone to Work from Home or for an Overnight Guest. There is a Sliding Glass Door off both the Family Room and Kitchen that Provides Views to the Beautifully Landscaped Yard. The Master Bedroom is Enormous and features a Walk-In Closet and Natural Sunlight from the Vast Windows. The Master Bathroom features Double Sinks, a Tub and Walk-In Shower. The other Bedrooms are Spacious and feature Mirrored Closet Doors. Additional attributes include a 3 Car Garage which Ensures both Convenience and Ample Storage. The Beautiful Backyard is Enhanced with a Sparkling Pool and Covered Patio that's Perfect for Al Fresco Dining or Sipping a Morning Coffee. This Home and Area provides a Welcome Living with Comfort and Style and is within Walking Distance of Holmes Elementary School. Conveniently located in Northridge, you're just Moments Away from Top-Rated Schools, Upscale Shopping, Fine Dining and Centrally Located to the Nearby Freeways. Discover what awaits you at 17127 Gledhill St. Don't Miss your Chance to make this Home your next Extraordinary Masterpiece!

29130 Sunswept Dr

Discover the charm of 29130 Sunswept Drive in the scenic Lake Elsinore area. This inviting property combines the tranquility of suburban living with the convenience of modern amenities. Upon entering, you'll be greeted by a spacious, open-concept living area bathed in natural light. The heart of the home is a well-appointed kitchen, and ample storage, perfect for both casual family meals and sophisticated entertaining. The home offers a series of cozy bedrooms, including a luxurious master suite with an en-suite bathroom, ensuring a private and peaceful retreat for relaxation. Outside, the landscaped backyard is an ideal spot for outdoor gatherings or quiet evenings under the stars. Situated in a desirable Lake Elsinore neighborhood, this home is moments away from shopping, dining, and leisure activities, offering the perfect balance of serenity and accessibility.

Reviews

"Ron has amazing insight into the financial and real estate markets."

doug waldman

"Great services. Communicative , well educated and was very helpful overall. Highly recommend"

samantha dalby

"Looking forward to partnering with Ron for our community event (Open House on June 23rd, 2024) at American Legion Post 132!"

diana trujillo