See what’s new in the housing market this month. Click the image or this link –> April 2021
Your Home Sold
or We’ll Buy It!*
Tricia Garcia Steve Hise
DRE 02032007 DRE 01702055
Before you jump head first into searching for your dream home, you need to ensure your finances are in order.
This includes reviewing and strengthening your credit. Here’s what you need to know!
Why Your Credit Score and Report Matters
As a buyer, a strong credit score and report makes you a more desirable loan candidate. When deciding to
approve you for a home loan, mortgage lenders take a deep dive into past car loans, student loans, credit cards,
bills, and more. They also review your history of repayment and public-record information. If their findings are
positive, they will be much more likely to approve you for a loan and offer lower interest rates and better terms.
What Credit Score Do You Need
The credit score required for a loan depends on the type of mortgage you select, the size of your down
payment, and your lender. According to Quicken Loans, most lenders require around a score of 620 or higher to
be approved for a conventional mortgage with lower interest rates and flexible repayment periods. If a buyer
would like a Federal Housing Administration (FHA) loan, they require a minimum score of 580 and, for a loan
through the U.S. Department of Veterans Affairs (VA), score requirements differ depending on the private
How to Improve Your Credit
Reviewed your credit score and realized it may need some work? There are ways
to improve your score. These include, but are not limited to, correcting payment
errors on your credit report, ensuring you make all payments on time, making
micropayments in between due dates, and paying down credit cards.
My experience with Steve and Tricia has been absolutely
phenomenal! My challenge is that I am in a wheelchair and
am moving from Simi Valley to Texas. I knew Steve & Tricia
and had a great relationship with them even before I
needed a realtor. I liked and trusted them even before I
knew them as my realtors. Steve and Tricia made the
whole experience really comfortable. There were times
that I would get antsy and I would call Steve & Tricia and
they would answer my questions and help me to relax.
They even were able to connect me with a realtor in Fort
Worth who was familiar with my needs and worked side
by side with Steve and Tricia to make sure the two
escrows ran congruently. I can’t thank Steve and Tricia enough! ~Barbara Waite
Each segment below represents approximately 25% of the market ordered by price.
SIMI VALLEY, CA 93063
Median Price Sq. Ft. Lot Size
$1,024,974 2,663 0.25 – 0.5 acre
$795,000 2,090 8,000 – 10,000 sqft
$725,000 1,934 6,500 – 8,000 sqft
$149,900 1,613 0 – 4,500 sqft
THOUSAND OAKS, CA 91360
Median Price Sq. Ft. Lot Size
$1,525,000 3,173 0.25 – 0.5 acre
$950,000 2,250 0.25 – 0.5 acre
$849,000 1,862 8,000 – 10,000 sqft
$6724,499 1,721 8,000 – 10,000 sqft
HEALTH TIPS – Mental Health
Healthy living involves more than physical health, it also
includes emotional or mental health. The following are some
ways people can support their mental health and well-being.
• Get enough sleep daily; those 18 and above need 7-9 hours
of sleep. Elderly people need about 7-9 hours but do not
sleep as deeply and may awaken at night or wake early, so
naps (like kids need) allow them to accumulate the total of
7-9 hours of sleep.
• Take a walk and reflect on what you see and hear at least
several times per week.
• Try something new and often (eat a new food, try a
different route to work, go to a new museum display).
• Do some mind exercises (read, do a puzzle occasionally
during the week).
• Try to focus on a process intensely and complete a
segment of it over 1 to several hours, then take a break and
do something relaxing (walk, exercise, short nap).
• Plan to spend some time talking with other people about
• Try to make some leisure time to do some things that
interest you every week (hobby, sport).
• Learn ways to say “no” when something occurs that you do
not want to do or be involved with.
• Have fun (go on a trip with someone you love, go
shopping, go fishing; do not let vacation time slip away).
• Let yourself be pleased with your achievements, both big
and small (develop contentment).
• Have a network of friends; those with strong social support
systems lead healthier lives.
• Seek help and advice early if you feel depressed, have
suicidal thoughts, or consider harming yourself or others.
• People taking medicine for mental health problems should
not stop taking these medications, no matter how “well”
they feel, until they have discussed their situation with their
Getting Your Home Ready To Sell – A Good First Impression Can Help Sell Your Home
Your Homes Exterior Creates the Prospective Buyer’s First Impression
Since the exterior of your home is the first thing a prospective buyer sees, a little time and effort and make a big difference in the impression
your home creates and pay big dividends when the sale is made. If you would have planned to paint the house within the coming year,
consider painting the house before showing it. A new paint job, well done, will normally enhance the sale value a good deal more than the cost
of paint. If your home’s exterior looks clean, orderly and in good repair, that’s the first impression your home will convey.
A Spotless Interior Will Reinforce Your Home’s Good First Impression
Interior dirt and clutter can obscure your home’s good points, so start with a full house cleaning from top to bottom. Store unused or
unnecessary items in a closet and storage areas or hold a garage sale. Eliminate clutter and your home will look more spacious – an important
selling point. Consider painting walls and replacing carpet if cleaning doesn’t do the trick. It is also important to keep light in mind when you
show your home. Good lighting will make your home seem cheery and spacious.
Over-Improving Doesn’t Pay
Don’t plan major improvements on your home. Most homebuyers want to make their own major changes. You are usually wiser to sell them the
potential – at a price they can afford. Remember, your real estate agent has the experience and training necessary to bring negotiations to a
successful close. If you’ve followed the guidelines provided, you know you have already done your part by making sure your home creates a
good first impression.
Just like last year, we are on a mission to raise
$25,000 for St. Jude Children’s Hospital. We do this
by donating to them a portion of our income from
homes we sell. As you know St. Jude Children’s
Hospital does great work in helping kids fight
through and survive nasty life-threatening diseases
like cancer, Non-Hodgkin’s lymphoma, leukemia
Donor contributions have saved the lives of
thousands of children, and they won’t stop until no
child dies from cancer. So, YOUR REFERRALS
REALLY DO HELP THE KIDS…
Who do you know considering buying or selling a
home you could refer to my real estate sales
team? Not only will they benefit from our awardwinning service, you can rest assured we are also
donating to a very worthy cause.
I want to make it easy to refer your friends,
neighbors, associates or family members
considering making a move, so here are your
1. You can go to
and enter their contact info online or forward
the link to who you know considering a move.
2. Of course you can always call us direct as
well at 805-424-6226
Thank you and have an awesome day!