Jump Start to Home Ownership

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Are you thinking about purchasing a new home; possible now or down the road?  Here are a few tips that will help towards that goal:

  • Buying a home can be time consuming.  One way to save time is by organizing all the necessary documents most lenders require, such as those that prove employment and income.  Typically, lenders want two recent pay stubs, two years of tax returns, bank statements, proof of assets, such as 401(k) and trusts, and debts, such as credit card statements. Documents are especially important for borrowers who are self-employed.
  • .Even if a home purchase is months or years away, having good credit history is essential.  A few points on a FICO score can mean the difference between a higher or lower interest rate offered on a mortgage loan.
  • .Borrowers also are advised to monitor home-lending rates. Every Thursday, Freddie Mac officials calculate average mortgage rates by compiling rates from lenders across the U.S. on Monday through Wednesday.  Rates can be found at freddiemac.com/pmms.

Now is the time!


If you’re a first-time home buyer and don’t know how to get started or not sure where to get started give us a call, (510) 568-6171 we can walk you through each step necessary to purchase your very first home.  The process can be very daunting and with all the bad news out there it may not seem like a good time to purchase…but it is.

Interest rates are still at historically low levels, FHA loan’s make it possible to purchase a home with as little as 3% down, despite the lack of inventory it is very much a buyers market and that should be taken advantage of before the market shifts.  We have heard from buyers that they are “waiting for the bottom to hit” before they purchase.  Many economists will argue this is it, and if that is true you don’t want to look back and say “I should have bought back then”.

If you’re looking to buy a home or sell your house get educated and understand the current market conditions.  We have been consulting with buyers and sellers for over 40 years and make it a priority to know what’s going on and how best to forge ahead to achieve the greatest results.

Don’t waste another minute contact us today.

Perry & Tianne

Category : Blog

About Us

Since 1970 Rinetti & Co. Realtors has been selling residential and commercial real estate throughout the greater East Bay. We are boutique real estate company with a single focus, exceptional customer service from start to finish. Rinetti & Co. Realtors has the experience and practical knowledge to adapt to changing market conditions while providing our clients expert advise when buying or selling a home. If you’re considering making a move please contact us and see the difference Rinetti & Co. Realtors can make for you.


The only realtors in San Leandro...You will not meet two finer or more ethical realtors. The best! - Gary S.

Rinetti & Co. turned out to be the perfect place for me to do business...I would not hesitate to recommend their services to anyone buying or selling property. - Mary K.

...As I am sure you are aware, a house is stucco, wood and nails, but a home is where a lifetime of memories are created. Our mother was very proud of her home, it meant so much to her.

- Trent B.

...Thanks for your patience, guidance & professionalism, you made this experience a great one that we will never forget...We can’t thank you enough, thanks a bunch!!! - Rocio R.

If anyone in the East Bay is looking to buy or sell a home, please consider my friends and agents Tianne Rinetti-Vittoria and Perry Vittoria! They helped us buy our house and did an amazing job! They go above and beyond.”

- Chris S.

San Leandro Office
1103 MacArthur Boulevard
San Leandro, CA 94577

(510) 568-6171

Pleasanton Office
6754 Bernal Avenue, Suite 740-176
Pleasanton, CA 94566
(925) 364-5013

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