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Property Selling your home? Find out why listing your home with Ken Wiseman will get your property sold quick with the most money for you! With my extensive experience with horse properties, I am familiar with all aspects of selling a home, from marketing to inspections which will include wells, septics, and property lines. Buying a home? Check to the left to see what properties I have listed or click here to search the ENTIRE MLS. NEW!!!! Buying Vacant Land? Buying vacant land is more difficult than buying a house. There are only a few lenders that will loan on vacant land and their underwriting guidelines can be lengthy. Most lenders will require at least 25% cash downpayment with a 700+ FICO Credit Score. Their terms are usually with an interest rate of prime plus one, interest only, due in 5 yrs. A better option is to do a home equity line of credit which you may be able to get a fixed interest rate of 7.5%. Yet another option is to have the seller carry the note or deed of trust. Although this seems like it can be difficult to purchase vacant land, it can be done, and I have had many successes with my clients. Contact me to discuss your options. Philosophy My philosophy as a Realtor is simple, be honest and get back to customers as soon as possible. I became a Realtor because my previous experience buying a home was less than satisfactory. I felt like I was lied to and many times it took up to 3 days for my realtor to return my phone calls. Often times too I felt like I was just signing a contract not knowing really what I was signing. That isn't the case working with me. I would rather make my customers happy than to be dishonest just to make my commission. I will try to get back to you within an hour of calling me. With my previous experience as a teacher I will educate you through the whole Real Estate process. Let me show you how easy it can be buying or selling a home can be!
Sunsets in Rancho Haven
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