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First-Time Home Buyers Guide: Buying With A New Job

First-Time Home Buyers Guide: Buying With A New Job

Buying Your First Home: Employment Challenges

First-time home buyers often face challenges that don’t affect experienced home buyers.

For example, first-time buyers tend to have less money saved for a home down payment; and, they often carry a collection of student loans and other debt which makes budgeting for a household difficult.

They also face challenges with respect to employment.

First-time home buyers tend to skew younger than the general home-buying demographic with many first-time buyers are just getting started in their careers.

Getting approved for a home loan when you’re new to a job can be both nerve-racking and a challenge. It’s one of the reasons why first-time home buyers account for 1-in-3 homes sold nationwide despite today’s mortgage rates and a wide array of low- and no-downpayment mortgages.

Buyers fear they can’t get approved.

The reality, though, is that you don’t always need years and years of work experience in order to get home loan-approved — you can get approved on just the strength of an offer letter.

This post discusses employment; and, is the next in a series meant to help first-time home buyers buy their first home.

Click to see today’s rates (Jul 1st, 2017)

What Work History Is Required To Get Mortgage-Approved?

When you’re applying for a mortgage loan, your ability to repay is paramount to the lender. Banks won’t make loans to a borrower with no capacity to repay.

This is why employment plays such a large role in the mortgage application process.

Lenders are concerned with the jobs you’ve had in the past, the job(s) you hold today, and the job you may hold in the future. They want to make sure you have a plan for your career — and that your plan is working.

Remember that, in general, a first-time home buyer lacks the employment depth of an experienced home buyer. A first-time home buyer may be fresh out of college or graduate school; or may be just a year or two into its career.

There’s no history of pay raises or promotions with a first-time buyer, which is why mortgage lender place so much emphasis on the prior two years of employment.

In looking at your last two years of employment, lenders can see whether you’re focused on a single industry or job function, which improves your chance for promotion; or whether you’re floating from position to position with no real regard for the future.

For example, if you were a staff accountant in the software industry and changed jobs to be a staff accountant in the medical field, that would considered an acceptable lateral move by a lender.

However, if you left your staff accountant job in the software industry to become a human resources representative in the entertainment industry, that move would not be considered a lateral move — it would be considered a fresh start.

That said, lenders have been known to make exceptions to the “employment history” part of the mortgage application for all sorts of reasons.

In general, your lender just wants to make sure that your household income is stable, and will be ongoing for period of at least three years.

They’re also concerned with your income.

Click to see today’s rates (Jul 1st, 2017)

How Much Income Do I Need To Get Mortgage-Approved?

To get mortgage-approved as a first-time home buyer, it’s not just your job that matters — your income matters, too.

However, because of how mortgage lenders calculate income, first-time home buyers can be at a disadvantage as compared to other buyers of homes.

This is because first-time home buyers don’t often have the work history that an experienced buyer will have. As a result, not all income can be counted toward your mortgage application.

A few common scenarios are listed below. If you have questions about how your particular income would fit into the loan approval process, be sure to ask your lender.

Click to see today’s rates (Jul 1st, 2017)

When your income is an annual salary

When your income is an annual salary, your lender will divide your annual income by 12 months to determine your monthly income. In general, you do not need to show a 2-year history — especially for jobs which require specific training or background.

When your income is an annual salary, plus a bonus

When your income is an annual salary, plus a bonus, your lender will calculate your income in two parts.

First, your lender will divide your annual income by 12 months to determine your monthly income. Then, it will take your bonus and check to make sure it’s been paid to you during the two most recent years.

If the bonus has been paid to you for the past two years, your bonus payments will be added, then divided by 24 months. This amount will be your monthly bonus income.

If the bonus has not been paid to your for the past two years — even if it’s guaranteed and written into your contract — the income cannot be used on your application.

When your income is hourly

When your income is hourly, your lender will average your prior 24 months of income, and will use that figure as your current monthly income.

However, if you’ve received a pay raise, are at the same job/employer, and can demonstrate that your hours have been roughly unchanged, you may be able to apply your current monthly income on your mortgage application.

This calculation is at the lender’s discretion.

If your hours have been erratic, or if you’ve recently changed employers, your income calculation is likely to be affected negatively.

For first-time home buyers with less than two years of work experience, hourly wages are difficult to verify for a lender.

When your income includes overtime pay

When your income includes overtime pay, your lender will add your prior two years of overtime pay, and divide that figure by 24. The quotient will be used as your monthly overtime pay, unless you cannot show two years of overtime pay.

Without a 2-year history of overtime pay, your lender may not allow you to claim it on your mortgage application.

When more than 25% of your income is commission

When you earn more than 25% of your income from commissions, your base income is calculated as the monthly average of your last 24 months of income.

If you have less than 24 months of commissioned income, your commissioned income cannot be used for purposes of a mortgage approval.

Without fewer than 24 months working as a commissioned employee, then, it’s unlikely you’ll be mortgage-approved.

When you are self-employed

When you are self-employed, mortgage lenders will want to see two years of verified income, and will average that total to find your monthly household income.

If you can’t show 24 months of income because your business is too new, it’s unlikely that you’ll be mortgage-approved. However, lenders have been known to make exception on this rule — specifically, for recently self-employed persons who have started a business in a “related field”.

For example, if you worked as a staff accountant at a company and left to start a staff accounting agency which services third-party firms, you may be able to submit just one year’s worth of income in order to be mortgage-approved.

What Are Today’s Mortgage Rates?

When you’re buying a home for the first time, you may not have the work experience of a seasoned buyer, but that doesn’t have to affect your ability to get mortgage loan-approved.

Get today’s live mortgage rates now. Your social security number is not required to get started, and all quotes come with access to your live mortgage credit scores.

Show Me Today’s Rates (Jul 1st, 2017)



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Guide To Buying A Home: Young Families

Guide To Buying A Home: Young Families – Proporty Crest

Young Families Face Different Home-Buying Challenges

The Great Recession and resulting housing crisis is still fresh in the minds of many young adults.

If you’re like many Millennials, especially those with young families, you may be gun-shy about entering the housing market. That’s understandable, but having a growing family may be the push you need.

Click to see today’s rates (Jul 1st, 2017)

First-Timers: Buying Requires A Mortgage

Before hitting the open house circuit, a young family should evaluate its financial situation to determine if it makes sense to buy.

About 35 percent of Americans pay cash for home purchases, according to CoreLogic. However, most of those buyers are established in their careers and a little older. They typically have sold a previous home and can put some of their profit towards their down payment.

You, on the other hand, are probably just getting started and don’t have a pile of cash to make your first housing buy.

You’ll need a mortgage.

The Low Down On Down Payments

With a few exceptions, mortgage lenders don’t loan you 100 percent of the price of the house. You need a down payment, some contribution of your own towards the purchase price, to qualify for a loan.

If you have the standard 20 percent, $20,000 for every $100,000 of the property price, decent credit and reliable income, you’ll probably have a fairly easy time qualifying for a mortgage.

You also avoid mortgage insurance, which can add hundreds to your mortgage payment each month, depending on your credit score, down payment size and mortgage program.

Low Down Payment Options

Unfortunately, most young families don’t have that luxury. They may be paying off student loans. There could be child care expenses, and not everyone makes Silicon Valley wages right out of school.

Money might be tight, but there are several mortgage programs designed to help young families with down payments. Many have income-eligibility requirements, and the larger your household, the higher your earnings can be.

The chart below lists the low down payment options.

young family buy a home

Qualifying For Your Family Home: Credit

Mortgage lenders consider several factors to determine if you qualify for a home loan. One of the most important pieces of information is your credit score. In general, a “good” score falls between 680 and 739. (A score of 740 or higher is usually classified as “excellent.”)

Years of data show that your credit score is an accurate indicator of how likely you will successfully repay your mortgage. The credit scores of young families don’t just affect their ability to get approved for a mortgage — they influence the cost of that mortgage.

The most important factor in your credit score is your payment history — pay on time over years and your score will reflect your responsible debt management. The other major component is the amount of credit you use compared to the amount you have access to. That’s called a “utilization ratio,” and the lower it is, the better your score.

Income Needed To Buy A Home

Mortgage lenders look carefully at your income when they consider your application. Typically, they prefer applicants’ debt-to-income (DTI) ratios to be 43 percent or lower.

The DTI equals your proposed mortgage payment (principal, interest, property taxes and homeowners insurance) plus the minimum payments for your other accounts like credit cards, student loans and auto financing, divided by your gross (before tax) income.

If your new house payment would be $1,500, and your other payments come to $500, and your income is $5,000 a month, your DTI would be 40 percent. That’s $2,000 divided by $5,000.

You can get approved with higher DTIs, but you’d normally have to compensate for that shortcoming with a higher down payment, excellent credit, or other factor.

The Cost Of Homeownership

Many mortgage programs for first-time buyers, including young families, require homebuyer education for a reason. That’s because most new buyers don’t know how many costs there are in addition to their mortgage.

Plan on at spending at least one percent of your home’s value each year on maintenance and repairs. Your mortgage payment will probably include principal and interest, property taxes and homeowners insurance.

However, you may also have to pay dues to a homeowners association, the cost of a flood insurance policy, or  for other items like a home security system.

Click to see today’s rates (Jul 1st, 2017)

Mortgage Pre-Approval

Doing a through review of your finances and pulling your credit reports should give you an honest assessment of whether or not you are ready to take on a mortgage. If you’re ready, get pre-approved by a lender before you go house hunting.

Pre-approval gives you more credibility with sellers when you make an offer. Pre-approvals usually last 60-90 days, so don’t waste this time trying to figure out what type of house you want or the communities you want to live in.

Best Communities For Young Families

Determine the type of community and home your family needs. If you have champagne dreams on a diet soda budget, step back and realize that smaller, cheaper places are called “starter homes” for a reason.

You can always move up later. For now, keep your emotions in check and avoid buying more home than you can afford.

Buying in an area with good schools can be a smart investment — both in your children’s future and your own bank account when it’s time to sell.

Factors like safety, other families to socialize with, and things like parks or playgrounds should probably take precedence over gee-whiz kitchens and impressive man-caves, at least for a few years.

Be Conservative

Even when both parents are employed, young families should consider homes they can afford on only one salary. It’s safer to have a financial cushion when you have kids.

One parent could lose a job, or a medical emergency could drain the family bank account. And you’re probably also trying to save for retirement and / or college.

A smaller starter home in an older neighborhood may make more sense for first-time homebuyers on a strict budget. In many cities, new home communities come with higher price tags and a longer commutes. That increases your fuel costs and possibly your car insurance premiums.

Find time to test out the commute for any neighborhoods you are seriously considering before putting in an offer on a home.

Be Creative

If you or your spouse is handy around the house, purchasing a fixer-upper could be a smart move. But only if you know you can handle home repairs and renovations.

It might not be practical or convenient to undertake a lot of renovation projects with small children in the mix.

Finally, consider multifamily property. Purchasing a property with two to four units could allow you to live rent-free in one of the units.

This option makes sense if you don’t mind the prospect of being a landlord and being on call to deal with tenants.

What Are Today’s Mortgage Rates?

Current mortgage rates for young families depend on the home loan they select, the amount available for a down payment, and their credit scores. Also, how smart they are when they shop for their mortgage. It’s always a good idea to compare quotes from several lenders before choosing a loan.

Show Me Today’s Rates (Jul 1st, 2017)


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First-Time Home Buyer’s Guide: Making A Downpayment

Buying Your First Home: The Downpayment

First-time home buyers face more hurdles than repeat buyers.

A first-time home buyer may have less savings. He or she might have a collection of student loans and other large debts. Perhaps the buyers is just starting a career. And of course, first-timers have no buying experience.

New buyers may even be about to live on their own for the very first time.

First-Timers Buy One-Third Of Homes

According to the National Association of REALTORS®, first-time home buyers account for 1-in-3 homes sold nationwide. This is the lowest rate in close to 30 years.

Yet, with mortgage rates low and an abundance of low- and no-downpayment mortgages available from mortgage lenders, there’s never been a simpler time to get approved for your very first home loan.

This post is the first of a four-part series meant to help first-time home buyers get approved for their first mortgage and become homeowners.

Click to see your low-downpayment loan eligibility (Jul 1st, 2017)

What Is A “Downpayment?”

If you can’t or don’t want to buy a house with cash, you need financing — a mortgage.

Sometimes, a bank will lend you the entire amount you need to buy a home. This is known as 100% financing.

However, most mortgages require some contribution from the borrower.

If you purchase a home for $100,000 and borrow $90,000 (90%), you would put $10,000 (10%) down on the house.

Choose Your Loan Amount

As a home buyer, the size of your downpayment is up to you.

You can put up twenty percent or more, or you can skip the downpayment altogether. Each choice has its benefits.

For example, when you put more money down, you borrow less money from your lender. That reduces your monthly mortgage payment.

You may also get access to lower mortgage rates.

When you make a small downpayment, you keep more cash in your savings account for life’s emergencies.

It also means that you can buy a home today instead of waiting 8 years to save for a downpayment.

Click to see your low-downpayment loan eligibility (Jul 1st, 2017)

How Much Downpayment Is Required To Buy A Home?

As a first-time home buyer, you have access to a wide range of mortgage loans and mortgage loans can be customized to meet your needs.

Your loan amount is one of your choices.

The downpayment can be as large as you wish, or as small — so long as you make the minimum investment required by your lender.

The five most-common low- and no-downpayment mortgages used by first-time home buyers are the FHA loan, the VA loan, the USDA loan, the Conventional 97, and the HomeReady™ mortgage.

Each is described below.

The FHA Loan

FHA loans require a downpayment of 3.5% of a home’s purchase price, at minimum.

These products are popular with first-time home buyers because the program allows below-average credit scores.

FHA mortgage approval standards are considered to be the most friendly toward first-time buyers.

The VA Loan

VA loans are available to members of the U.S. military and veterans of the Armed Services.

These mortgages provide a 100% financing option, and VA mortgage rates are often lower than those of other programs.

The USDA Loan

Rural Housing  or USDA loans also allow 100% financing. The program is available for homes in rural areas and less-dense suburban neighborhoods nationwide.

USDA mortgage rates are often as low as VA mortgage rates.

The Conventional 97

The Conventional 97 is available to home buyers with above-average credit scores. A Conventional 97 loan allows buyers to receive cash gifts for their downpayment, which is only 3%.

This program has a loan size limit of $424,100.

The HomeReady™ Mortgage

The HomeReady™ mortgage is another 3% down program. This program is geared toward multi-generational households, but all home buyers are welcome to apply.

Home buyers using HomeReady™ get access to discounted mortgage rates, and can use the income of boarders and other household residents to help get mortgage-qualified.

Click to see your low-downpayment loan eligibility (Jul 1st, 2017)

Mortgage Programs Infographic - FHA VA USDA Conv

Downpayment Assistance Programs

First-time home buyers often cite “making a downpayment” as a primary obstacle to homeownership.

However, in addition to an abundance of low- and no-downpayment mortgages, first-time buyers have access to downpayment assistance programs (DPAs) — many of which “grant” money instead of requiring repayment.

And the programs are widely available, too.

According to a study from housing data company RealtyTrac, there are 78 million single-family homes in the United States, including condominiums. 68 million — or 87% — of these homes potentially qualify for downpayment assistance.

As a first-time buyer, therefore, you can use downpayment assistance programs to help reduce your cash required at closing; and, to reduce your monthly mortgage payment.

Strangely, less than ten percent of home buyers even apply for downpayment assistance.

Home buyers often don’t apply for such programs because they’re unaware that the downpayment assistance programs exist, they don’t believe they’ll qualify, or they plain don’t know where to get access.

To find out for which assistance programs you may be eligible, talk to your mortgage lender. Most banks have applications on-hand for downpayment assistance programs, or can point you to a website.

The average downpayment assistance amounts to $11,565.

What Are Today’s Mortgage Rates?

With mortgage rates low and U.S. rents rising, it’s an excellent time to consider homeownership. And, as a first-time buyer, you have lots of options.

Get today’s live mortgage rates now. Your social security number is not required to get started, and all quotes come with access to your live mortgage credit scores.

Show Me Today’s Rates (Jul 1st, 2017)



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Buyer’s Guide for FILINVEST DEVELOPMENTS- Property Crest


This is a guide for Filinvest Property Buyers. Please click the Properties Menu for more listings.

I. Reservation Process

Upon reservation, you will be asked to fill up a Purchase Application Form (PAF), along with this, a reservation fee amounting to 5,000 to 50,000 (depending on the property you are going to reserve) must be made.
Unless there’s a prevailing promo, this is the typical corresponding reservation fees for each type of property:
Socialized House and Lot – 5,000
Affordable Residential Lot – 10,000
Affordable House and Lot – 20,000
Mid-High Residential Lot – 20,000
Mid-High House and Lot – 30,000
High-End Residential Lot – 50,000
High-End House and Lot -50,000

After giving the reservation fee, your agent should provide you with an Acknowledgement Receipt and afterwards, an Official Receipt coming from Filinvest office must be given to you. You and your agent can also go directly to the cashier at Filinvest office to make your reservation.

The reservation is non-refundable and is valid for 30 days only. All reservation fees made are deductible to the Total Contract Price. To complete your reservation, the following documents must be submitted:

1. Completely filled-out Purchase Application Form and Request to Hold Property Form
2. Two (2) Government issued IDs. (Should bear your photo and signature, expired ID’s are not accepted)
3. Special Power of Attorney (SPA), if applicable. If the buyer is currently based abroad, the Special Power of Attorney (SPA) should be consularized.
4. Government issued ID of the Special Power of Attorney holder.

II. Requirements

After the reservation and submission of the Initial Requirements, you will be asked to sign printed documents like Contract to Sell, Deed of Absolute Sale, Deed of Real Estate Mortgage, etc… depending on the type of payment you are going to choose (Please see the terms of payment offered by Filinvest). Along with the signed printed documents, you will also be requested to submit the following:

For Spot Cash and In-House Financing:
1. Birth Certificate if single. Marriage Certificate if married.
2. TIN Number (not applicable for OFWs)
3. Post Dated Check/Checks for Cash and In-house financing, respectively.

For Bank Financing:
Locally Employed
1. Birth Certificate if single. Marriage Certificate if married.
2. TIN Number (not applicable for OFWs)
3. Certificate of Employment and Compensation (COEC)
4. Photocopy of 2 years latest Income Tax Return (ITR)
5. Photocopy of 3 months latest Payslip
6. Bank Statement or Photocopy of Passbook
7. Post Dated Checks

Overseas Filipino Workers (OFWs)
1. Birth Certificate if single. Marriage Certificate if married.
2. Certificate of Employment or Offer Letter
3. Photocopy of 3 months latest Payslip
4. Bank Statement or Photocopy of Passbook
*OFWs are not required to submit PDCs, they can pay their monthly amortization thru remittance centers.

1. Certificate of Registration
2. Articles of Incorporation
3. Secretary Certificate
4. One valid photo-bearing government issued ID of each corporate secretaries.
5. Audited Financial Statement (2 years, latest)
6. ITR

III. Payments and Financing

There are 3 payment terms made available to you by Filinvest Land Inc.:

1. Spot Cash Payment (normally, it comes with a discount of 8%)
2. In-House Financing:
5 years @ 13.5% interest
7 years @ 17% interest
10 years @ 10% interest
3. External Financing(below)
Pag-Ibig. Only socialized projects of Filinvest are accredited to Pag-Ibig Financing.

IV. Modes of Payment

Below are the different modes of payment you can make for the Reservation and/or the Monthly Amortization:

1. Cash, over-the-counter payments
2. Post dated checks to cover monthly amortization. OFWs are not required to submit PDCs.
3. Remittance Center
4. Bank Bills Payment
5. Bank Transfer


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How to Buy a House with Good Feng Shui

Basta Intsik, galing negosyo, dami Pilipino subok  ano gawa nila. Sabit pinya para laki kita, paputok para alis malas. handa tikoy para dikit swerte. Pati salita Intsik gawa na din. Pero dahil ako benta gagandang bahay, akoy hanap kung ano swerteng bahay. Ako hanap galing Feng Shui para tulong aking kustomer…

I’m sorry for the rough language, I’m just trying to make you laugh, but of course its not funny.

Many of my clients are asking me when we go on tripping what house, block, lot is the luckiest that will bring them prosperity. Maybe they think I know those because of my chinita eyes. I know some like choosing  location with morning sun, avoid  cud-de-sac location, and avoiding irregular shape lots. But of course, those things are just logical.

  • We choose morning sun to avoid the extreme heat of the afternoon sun.

  • We avoid cud-e-sac location to avoid headlights in your salas during night.

  • Avoiding irregular shape lots because its hard to have a triangle bedroom with a triangle bed.

When I explain this to them, they taught I will mention energies, light, auras, but I do not have knowledge to those things.

I search on How to Buy a House with a Good Feng Shui, and so far, this is the most easy to understand. Remember this is only a guide. We always need to persevere in order to have harmonious and successful life.

How to Buy a House with Good Feng Shui

Your surroundings can have a huge impact on your life – to the point of affecting your personal happiness, your prosperity, even the opportunities that come to you in your life — thus making your choice of home a very important one. Because most of the important moments in our lives occur in our houses, the house itself becomes more than just four walls where we eat and sleep. That’s why careful consideration is called for if you are thinking about purchasing another home.

So what do you look for when you are considering purchasing a new home? It comes down to two things: the tangible and the intangible. The tangible items include price, location, size, and condition. The intangible includes considerations such as location on a street, how the home is situated on the lot, its relationship to other buildings or homes, how the home flows inside, and situations such as whether the former occupants were ill, in financial trouble, etc.

These are the types of considerations that are taken into account when you want to assess the feng shui of a home. Of course, these are not all of the elements that make up a home with good feng shui, but these are some of the important considerations. Hopefully, this will serve as a guide for helping you select a home that is right for you and your family.

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1. Buy a new house or “successful” house. A new home does not have a history, making these the optimal choice. However, if you are looking at a preowned home, buy one from someone who is moving into a bigger house, got a huge promotion and is moving, or has won the lottery and is buying a villa in Tuscany. Then, you are buying into good feng shui and positive energy.

Houses that are for sale from a divorce, a foreclosure, or where there is a serious illness, or other affliction are not the best choice. To purchase a home such as this can mean that you are buying those problems too. How so? The house might be the problem. Or, there might be a landscape or topographical element causing the difficulty. It’s best to avoid these kinds of homes.

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2. Buy high or level ground. Houses that are situated on the side of a hill or where the back slopes away from the house are “losing ground.” Better also to buy a house where the lot is wider at the back than the front. Also, try to buy a regular-shaped lot. Square or rectangle shaped lots are especially good.

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3. The inside story. Make sure bedrooms are not over a garage, kitchen, laundry room, or open space below. Also be sure there are no bathrooms over a dining area or kitchen. This can cause illness in the house. Look at the arrangement of bedrooms to bathrooms so that beds won’t share a common wall with a toilet.

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4. Get support. It’s best for land to either be level or have a rise at the back of the house. Land that falls away at the back of the house creates loss and difficulties getting recognition and promotion. If the house has a building or a hill at its back, then it is supported.

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5. Open up. If the house faces open land or has a wide, open area in front of it, then it has the “bright hall effect.” This is extremely auspicious.

Make sure the house is not overwhelmed by landscaping. If there is a tree too close to the house, especially if it is in line with the front door, this is not good and will prevent opportunities for the homeowner. Consider removing the tree. Likewise, if plants and shrubs look like they’re taking over the house (either planted too closely or growing on the walls), consider removing these as well and replanting elsewhere. A house should not be smothered by the landscaping.

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6. Look both ways before buying. What’s to the right and left of the house? Is there a house or building that seems to impose itself on this house? If the house or the land on your left is higher, this is good, as it is tapping the dragon energy. It is even more fortunate if the house to your left (as you look out of the house) is in the East. Is there a house with a pointed roof, a corner of the home pointed at your front door, etc., or aimed at the house?

Be sure to look at the approach to the house. Is it in a cul-de-sac? If the road ends at a straight line to the house, this is not good. Also, houses with a road behind and in front of the house suffer, and corrections can’t be made for these. Long straight driveways that end at the house, or roads that stop at the house, are another problem, but can be corrected with plants or mirrors.

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7. What’s the situation? The house should be situated on the lot correctly, which means it should not be set back behind the half-way line of the lot. It is better to sit a little forward in the lot than too far back.

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8. What is in the Southwest and Northwest? These are the two most important directions in a home. The Northwest should never have an open flame, such as from a gas stove or fireplace. If there is one there, move on to another house. This is feng shui taboo. To have a home such as this is to invite severe difficulties for the man of the house.

Also, look at the SW; this is the position of the woman or mother of the house. If there is a storeroom or bathroom located here, there could be marital difficulties and unhappiness. Consult with a feng shui practitioner about this if you just love the house, but it has trouble in the SW corner.

Good luck with the purchase of your new home!



Author’s Bio:
Kathryn Weber is a certified Master Pracititioner in Feng Shui and is the publisher of a FREE weekly feng shui ezine for helping readers improve their quality of life with easy feng shui tips and ideas.

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Top 7 Most Wanted House and Lot in Rizal 2017

Because of the crowded and stressful life in the city, people are now looking for a place where they can easily go to work while living in serene community. People now are starting to look for homes accessible to Metro Manila, and Rizal became one of the best options for them. Not only to its proximity to cities, the home scenic view, tourist spots, lower cost of living and province’ fast progression investing in Rizal turns to be attractive. For most, Rizal is a paradise, a haven, an escape from long hours of work.

But with a hundred real estate projects present in the province, what can be the best option for a first-time buyer have? What projects are the most wanted by home buyers in Rizal?

A numbered of trusted real estate practitioner who handled various properties in the province was ask “If they will buy a property in Rizal, what will be their pick?”

What these sellers will buy?

Are you curious?

I am curious too. So here is the TOP 7 MOST WANTED HOUSE AND LOT IN RIZAL 2017!


Bria La Hacienda is located in Teresa, Rizal. What made her to 7th spot is because of its proximity to Antipolo City. The accessibility to public transportation gives convenience to settlers going to work. Aside to this, its flexible payment offered by Vista Land made housing loan easy. To learn more about Bria La Hacienda, click this link:

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Casas Aurora takes the number 6 spot because of its creative home design. Bedrooms are like meant for prince and princess where you can feel morning breeze on balcony while sipping your coffee. Affordable price also make this property attractive specially their down payment scheme. Learn more about this property, visit :

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Number 5: Eastview Homes 3

Eastview Homes located in Antipolo City. It is the only preselling property that can deliver your house as fast as 6 months!. Its modern design, single attached house and lot made this project attractive to buyers specially OFW’s. The Metroline view is a when you avail the project. Learn more about this property? visit:

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Number 4: Manna Estates

Manna Estates is the newest project of Filinvest. The developer takes the pride having the only bungalow house and lot in Rizal. Every house model gave importance on owner’s personal space thus the project offering bungalows and duplexes. The project was launch last October 2016 but until now it is not open for sale due to late release of papers. But inspite of delays, more and more people are waiting for this project and by the time its available for sale, this will surely sell like pancakes. To know more about this project, visit:

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Number 3: Cottonwoods

Cottonwoods is a prime project by Vistaland. The main pride of the project is its community; well-secured, and serene. Add to that the creative layouts and floor plans that their houses have. There are limited units available in cotton woods, to know more about this, kindly email us at

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Number 2: Lumina Eastridge

Another affordable house and lot project by Vista Land located in Binangonan. Aside to its accessibility to roads and house durability. What attracts buyers to purchase Lumina Eastridge is its location near to Thunderbird Resort making this a sound investment. Plus its breath-taking view of Laguna de bay will made you lay your reservation fee. To know more about this, visit:

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Number 1: Ridgepoint

The number 1 property for Status confused people. Truly, this property will never judge you. Whether you are single, married, separated, legally separated, don’t have enough documents, or simply want to have a house and lot without worrying too much on documents, Ridgepoint is for you. Their rates are close to PAGIBIG and Banks making you agreed to do In-house financing with them. For more information, visit this link:

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Please take note that this is only our own initiative survey. Thank you.

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How to calculate your feng shui kua number?

How to calculate your feng shui kua number?

Lets say you were born in dec 24 1983. So you need to

Simply add up the last two digits of the year in which you were born. So 8+3=11.
Subtract 1 from 11 if you were born before the chinese new year in 1983. Since you were born after the chinese new year in 1983 (which happens to be 13th feb 1983 ) so you will skip this step.
Now you always need a single digit, so add 1+1 = 2.
If you are a male simply subtract it from 10. So 10 – 2 = 8. Your Kua no. is 8 For males born after 2000, instead of deducting from 10, deduct from 9

If you are a female you just add 5 to it. So 5 + 2 = 7. Your kua no. is 7 For females born after 2000, instead of adding 5, add 6.

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Rent to Own House and Lot: the truth behind the Scheme

Rent to Own House and Lot: the truth behind the Scheme

Rent to Own house and lot for Sale—are you familiar on these headings? Have you seen one posted in internet, Facebook feeds, in flyers, and oh, in that Meralco Post beside Wanted Tubero Streamers? I bet you will say yes, if you are looking for one. Then what comes to your mind?

Some of the impressions I heard when people thought about Rent to Own House and Lot is that they can own a house while paying on it at the same time living on it. Are they right?

Yes, but partly No. i know its a little bit confusing since Filipinos usually interpret what they read– as in literal.

If  its partly NO, what RENT TO OWN REALLY MEANS?

Here is what my dear friend, Investopedia said about Rent to Own:

In a traditional home purchase, an offer is accepted, the buyer and seller meet to exchange funds and settle final costs, and, at the close of the transaction, the property and its title changes hands. Typically, buyers use a mortgage to finance the bulk of the purchase.

So it doesn’t mean that you can easily acquire a house without some conditions. Here are notes to help you prevent heart aches.

  1. First, you have to shed money for the DOWN PAYMENT to enjoy the RENT TO OWN Scheme. Your down payment serves as your commitment how you truly committed on paying your housing loan. Come to think of this, if real estate developers will allow you to live on the house and paying for that on installment, they would rather give you a long-term lease which gives them more income.

Silver and Gold Coins2.Not all RENT to OWN SCHEME are Ready for Occupancy. And If you want to have a house that you can live after you pay reservation fee, you need to settle the following first before you actually move in:

  • Full down payment, usually its 20% of the Total Contract Price
  • All requirements needed
  •  Loan take-out from PAGIBIG or Bank

3. PAGIBiG Financing is not always the best option. Truly, our government exerts their efforts for Filipinos to have their own place to live in. Low interest rates are for Total Contract Price that lower than 1 Million. Usually they are townhouse and row house packages.

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4. For New House and Lot packages under developers, Real Estate Agents do not add margins from House and Lot prices. So asking them to lower their commission won’t help you lower your payment.  Better to ask them to help you ask the developers for promos or discounts instead.

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Having your own house is really exciting. Imagining that you live on a home that will be yours after 20 years is fulfilling. But looking for a house and lot is not that easy, you have to be ready your documents and also your financial state since it’s a long-term commitment. But don’t worry, after this effort, this will surely pay-off.


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That Planner, is it Really Worth it?

Part of a real estate salesperson duty here in the Philippines is to have a license from Professional Regulatory Commission (PRC) and Housing and Land Use Regulatory Board (HLURB). So, before 2016 ends, I manage this things up for me to serve my clients who wants to buy a property here in the Philippines.

As I am into the process, I need to photocopy some documents before proceeding to next steps. Government offices here have No Noon Breaks policy, but the photocopy operator have. I decided to wait on the near-by Coffee Shop in HLURB Office to let the time pass.

I order regular frap and chocolate doughnut then the Barista ask me, ” Are you collecting stickers?”

Puzzled on what she’s saying cause I am not SB fan, so I replied. ” Stickers for what?”

“For a free planner, Do you want to have one?”
“Sure” of course, who can say no when you heard FREE.

Then she handled me a tiny piece of artistic cardboard, with a tiny red sticker.


I want to say that my schedule for the whole 2017 cannot fit to this little cardboard, but of course that’s only a joke.

Its like a tiny magical paper that when you do what it says, you will get the limited edition and most wanted planner for 2017.

I heard from my acquaintances who have this planners for the past years, they never dare to write something on this. Even their birth date. Wow.

It says I need to collect 18 Stickers to get the planner. That means, its 18 Coffees. But it has to be done not later January 8, 2017.
Coffee price range from Php 145 to Php 200 and up. I need to spend Php 2,600 just to get the planner.

Do I drink 18 Coffees?


I think its not worth it to spend Php 2,600 for a planner. There are Php 500 worth of planner found in book stores.

I am just wondering what it looks like.

Why some are willing to palpitate and harass friends to give stickers for this planner.

I saw one and its really beautiful.

I saw it in OLX, they are selling it for only Php 1,500- it says its RUSH.

Do I bought it?


Because its not worth it.

A typical employee is earning Php 800 a day or Php100/hour. I means, your coffee is worth more than an hour of yours. You are sick, bored and constantly complain about your job, but you never realize if your hard-earned money was spent on the right stuff.

What is worth paying for?
For stuff that you will never neglect you spend the money with
For stuff that you feel blessed not pain
For stuff that’s for your improvement not for what others will say.
For stuff that your future self will be thankful for.

There is nothing wrong on having Php 2,800 planner if you really want to. Its the intention that matters. Do you really plan for 2017 that is why you need a planner? Or do you want to impress others?