to find your home
to find your home
to find your home
to find your home
about me
Nina Arce brings 21 years of experience in real estate, excellent customer service, and a commitment to work hard, listen and follow through. As a realtor, her priority is to make her clients happy. She listens to her clients’ wants and needs to achieve the best outcome. She strives to make every transaction stress-free, fun and easy for the clients. Her clients can count on her any time of the day when they have a question or concern. Building a trusting relationship with her clients are very important to her. Thus, the bulk of her transactions are from referrals and past clients. When you think of Nina, honesty and dedication come to mind.
Our blogs
Owning a Home Helps Protect Against Inflation
Owning a Home Helps Protect Against Inflation
You’re probably feeling the impact of high inflation every day as prices have gone up on groceries, gas, and more. If you’re a renter, you’re likely experiencing it a lot as your rent continues to rise. Between all of those elevated costs and uncertainty about a potential recession, you may be wondering if it still makes sense to buy a home today. The short answer is – it does. Here’s why.
Homeownership actually shields you from the rising costs inflation brings.
Freddie Mac explains how:
“Not only will buying today help you begin to build equity, a fixed-rate mortgage can stabilize your monthly housing costs for the long-term even while other life expenses continue to rise – as has been the case the past few years.”
Unlike rents, which tend to rise with time, a fixed-rate mortgage payment is predictable over the life of the mortgage (typically 15 to 30 years). And, when the cost of most everything else is rising, keeping your housing payment stable is especially important.
The alternative to homeownership is renting – and rents tend to move alongside inflation. That means as inflation goes up, your monthly rent payments tend to go up, too (see graph below):
A fixed-rate mortgage allows you to protect yourself from future rent hikes. With inflation still high, when your rental agreement comes up for renewal, your property manager may decide to increase your payments to offset the impact of inflation. Maybe that’s why, according to a recent survey, 73% of property managers plan to raise rents over the next two years.
Having your largest monthly expense remain stable in a time of economic uncertainty is a major perk of homeownership. If you continue to rent, you don’t have that same benefit and aren’t as protected from rising costs.
Bottom Line
A stable housing payment is especially important in times of high inflation. Let’s connect so you can learn more and start your journey to homeownership today.
Source: Keeping Current Matters
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Why Buying a Vacation Home Beats Renting One This Summer
Why Buying a Vacation Home Beats Renting One This Summer
For many of us, visiting the same vacation spot every year is a summer tradition that’s fun, relaxing, and restful. If that sounds like you, now’s the time to think about your plans and determine if buying a vacation home this year makes more sense than renting one again. According to Forbes:
“. . . if the idea of vacationing at the same place every year makes you feel instantaneously relaxed, buying a vacation home might be a wise move.”
To help you decide if making a move like this is right for you, let’s explore why you may want to consider purchasing a vacation home today.
Benefits of Owning Your Vacation Home
You don’t have to worry about finding a place to stay. It can be a challenge to find a rental where you want, when you want. Some summer vacation destinations are more popular than others, meaning your favorite place may be booked up in advance. Bankrate explains why owning your vacation home means you don’t have to worry about that sort of inconvenience:
“. . . a second home can offer a place to have quality time with your family and ensures that you always have a vacation destination.”
It’s an investment. Home values typically appreciate over the long haul. That holds true for your vacation home as well, especially if it’s in an area with growing market demand. This can help grow your net worth with time.
Vacation homes may provide tax benefits. If you own a vacation home, you may be eligible for tax deductions based on where it is. However, before buying, you’ll want to consult with a tax professional to discuss first as taxes can vary by location.
It could potentially turn into a retirement location. If you love the location of your vacation home, you could potentially sell your primary residence and retire there in the future.
How a Pro Can Help You Find Your Perfect Match
As you’re preparing for summer vacation, remember, you could potentially visit your second home instead of another rental unit or hotel. If that sounds appealing to you, a
local real estate agent is your best resource. They have the knowledge and resources to help you understand the area and what vacation homes are available in your budget. Plus, these agents can explain the perks of how owning a second home can benefit you.
Bottom Line
If any of these reasons for owning a vacation home resonate with you, let’s connect. You still have time to enjoy spending the summer in your vacation home.
Source: Keeping Current Matters
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The Impact of Changing Mortgage Rates
The Impact of Changing Mortgage Rates
Some Highlights
- If you’re looking to buy a home, you should know even a small change in mortgage rates has an impact on your purchasing power.
- These charts show how rates generally affect your monthly payment.
- The best way to navigate changing mortgage rates and make an informed buying decision is to rely on the expertise of a local real estate professional and mortgage lender.
Source: Keeping Current Matters
what clients say
Michelle T
My name is Michelle. My husband Reynante and I bought a house 4 years ago.We just moved here from Hawaii at first we rented a place for us to live in.We rented for about a year and when my husband Reynante attended a party at a co workers house where he met Nina Arce. We were not really planning on buying our first home because we though we couldn't afford it. My husband is the only one that has an income and I can't work because we have 4 kids and no one to care for them. My husband and I talked and he told me what Nina told him about owning our first home. Because we were a first time home buyers it is not impossible. We started looking for houses we could afford but we had no Realtor®. We hired a Realtor® from PMZ but we were not happy with his work. We felt like he just wanted a fast work and he was very pushy with us. He didn't show us places he would just tell us to look then tell him when we find a house that we would like to see. I told my husband were done with him because he didn't even help us at all. My husband reconsidered Nina Arce from another PMZ and as we were talking about Nina. She called and I met her over the phone. I told her about our problem with our previous Realtor®, that I was not happy. Nina helped us and she was very wonderful at her job. She didn't push us to buy something that we couldn't afford. Nina never stopped until we found our Home sweet Home. We're so happy and always thanking her because she helped us a lot. If it was not for Nina's helped we are still renting and paying other home owners.
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Patty D
Thank you so much for your professionalism when selling my former home and with the patience and presistence in helping me find and purchase a new one. This has been my 4th home sale, and 5th home purchase in 30 years and I never felt I'd developed such a trusting, good, relasionship with any of my former Realtors®. You were realistic and honest with me about the market and pricing my home. I knew from past experience that my home was pretty likely to sell quickly because all my fix-it items were done, the house was immaculate, freshly painted, and looked almost like a model home. Right from the get-go we had a couple of offers. Then the offer we accepted couldn't get financing for the appraised value. You were calm and patient. Back and forth we went, finally able to put the deal together. Definitely stressful, selling a house is a BIG thing in life's events, but with your "can do" , realistic, patient attitude you made the deal happen! Then the really stressful part started, finding a new place to live with the hope of not having to rent temporarily and move twice. Unfortunately, that didn't happen and we did have to rent and move twice. The market was so hot for buyers, with low prices and finance rates, that it seemed all the good houses had a couple offers in before mine. We kept searching, it seemed like we looked at least 100 houses. Finally we found the right one for me and here I am 4 months later, loving my new home and neighborhood.
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Philip L
Your decision to use Nina Arce and PMZ Real Estate is one of the best decisions you can make in the marketing of your property. Nina is one of the top Realtors® at PMZ. Nina is very innovative and smart in how she helps her clients sell their properties for the highest price and in the shortest time. She not only uses the extensive tools available to her through PMZ Real Estate, but also very creative with her own marketing techniques, connections and networking with other real estate agents and with promotion to the public. She gives each of her clients her undivided attention, unparalleled professionalism and simply unsurpassed service.
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Matt K
Nina Arce has been a professional Realtor® since 2001, I have always taken notice of Nina's desire to keep herself educated in this cyclical market. Nina is organized, efficient, extremely competent, and has an excellent rapport with her fellow colleagues. Her communication skills, both written and verbal, are excellent. Realtors® in this market are not just looking for a home for their buyers, but are also looking for a Realtor® they will work well with. Nina has a reputation of professionalism that valley Realtors® have come to respect. In summary, I highly recommend Nina for any position or endeavor that she may seek to pursue. She will be a valuable asset for any organization.
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Jaime and Virginia
We have known Nina Arce for many years. She was our Realtor® when we purchased an investment property in Modesto, CA. Since we had a great experience working with Nina as a Realtor®, we contacted her again and utilized her services when we bought another investment property in Elk Grove, CA. It was another great experience working with her. All of our transactions went smoothly. She helped us in every step of the way. She was very prompt and diligent in responding to our questions and concerns and in communicating with us throughout the whole process of buying a house. She demonstrated knowledge about the market as well as her dependability and reliability as a Realtor®. We are completely pleased knowing that that Nina takes care of her clients during and after escrow. She exceeded our expectations!!! It has been 5 since we purchased the house in Elk Grove, but Nina continued to take care any of our needs and concerns related to our properties. She has been consistently updating us and providing us valuable information about the market, including but not limited to current values of our properties, interest rates, pest control, maintenance, and home protection. The most important thing that I like about the whole experience working with Nina is that she is very honest in dealing with her clients. This is one of the many reasons why I always refer my friends, relatives, and co-workers to her.
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Mr. F. Cave
I highly recommend Nina Arce for all your Realty needs. She is very knowledgeable and resourceful. Definitely someone you can trust in selling or buying a home. Nina helped us sell our home in about a week. Also we got multiple competitive offers. We told her about our unique situation where we just bought a brand new home and had to sell our current one quick. She laid out some strategic plans of how to pursue. Luckily the plan of action we took paid off and got a solid offer well over the asking price.
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Elvira and Roger
Nina was very professional, knowledgeable and reliable. She helped us find our new home even only via FaceTime because we were in different state. She was always available for any questions we have and for house touring. She made the homebuying process and virtual showings very enjoyable and less stressful. She also referred us to a broker/lender when she felt that we were not getting a good deal with our lender. We were able to save in our closing cost and have a much lower interest rate. We highly recommend her as a real estate agent! Elvie and Roger
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Kristoffer Salud
Finding a home can be stressful. Thankfully we had Nina Arce as our realtor. Being a first time buyer, I had many questions and despite doing our own research, all the information and requirements were still overwhelming. The realtor experience and advice provided by Nina during the whole process eased most, if not all our concerns! With Nina's professional expertise and due diligence we were able to finally close out on our very own home. Our hand was held on every step of the way, and there was no issue when it came to requests or questions regarding the home buying process. The network and contacts she provided for each step of the process were some of the best I've encountered, and immensely added to the quick turnaround we had once we finally made our offer. There is no doubt that Nina will be able to assist with any of your real estate needs. Whether you are a new or seasoned real estate buyer or seller, having Nina by your side will surely make the experience both organized and manageable, alleviating most of the stress involved. Many thanks again for making the first time buyer process such a success!
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