Reuben Allen - Realtor

Today we celebrate Juneteenth✊🏿 , a day marking the emancipation of enslaved people in the United States. Originating in Galveston, Texas, it's now a nationwide observance on June 19. Let's honor this pivotal moment in history and continue the pursuit of equality and justice. 🌟

Reuben D Allen
RARE(ReubenAllenRealEstate) with,
Squires Development & Real Estate Inc.
C: 805.444.7766
CalBRE #01931560
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Thinking about financing for a Ventura County home? I’ll help you compare conventional, FHA, and jumbo loans so you can see what actually affects your monthly payment and offer strength. 🏡

Conventional: lower rates for strong credit, smaller mortgage insurance costs if you put 20% down. FHA: lower down payment and looser credit rules, but higher ongoing mortgage insurance. Jumbo: needed for higher-priced Westlake Village or Calabasas homes—larger loan limits but stricter qualification and higher rates.

Quick examples: on a $1M home in Westlake Village, a 20% conventional down payment vs. a jumbo with 10% down changes your monthly payment and negotiation leverage. Put more down = fewer contingencies and a stronger offer. Use less down = higher monthly cost but easier entry.

If you’re buying in Thousand Oaks, Oak Park, Agoura Hills, or Calabasas, I’ll walk you through which route matches your goals and how to present the strongest, cleanest offer. Ready to compare numbers for your situation? Visit https://wix.to/uffVUku and let’s talk. 🔑💬

You may have heard that you need 20% down to close on a home.. While it does have it's advantages - its not true! You can put down as little as 3.5%.

There are also many First Time Home Buyer Programs, Closing Assistance, Zero Down Payment Options as well (if you qualify) to help you Buy a Home.

Don’t let the myth of the 20% down payment hold you back from owning your dream home.

Reuben D Allen
RARE(ReubenAllenRealEstate) with,
Squires Development & Real Estate Inc.
C: 805.444.7766
CalBRE #01931560

Refinancing your mortgage can be a good idea, but make sure you know when, why, and how before you make that decision to make sure it's right for you.

Reuben D Allen
RARE(ReubenAllenRealEstate) with,
Squires Development & Real Estate Inc.
C: 805.444.7766
CalBRE #01931560

Planning to refinance Refinancing your mortgage can be advantageous for many reasons, but knowing when, how and at what cost is essential to your success.