🚨 CALIFORNIA SHARED APPRECIATION PROGRAM IS BACK 🚨

And yes… it’s a BIG deal.

Here’s what you need to know:

🏡 This program can help with your down payment

💰 It’s a shared appreciation loan (meaning the state shares in the future value increase)

📉 It reduces the amount of money you need upfront

🚀 It can help first-time buyers get in sooner instead of waiting years to save

A lot of people get scared when they hear “shared appreciation.”

But let’s break it down simply:

If you don’t buy, you get 0% appreciation.

If you do buy, you build equity AND potentially appreciation — even after sharing a portion.

The real question isn’t:

“Do I want to share appreciation?”

It’s:

“Do I want to stay on the sidelines while prices continue to move?”

This program isn’t for everyone.

But for the right buyer, it can be a powerful strategy to enter the market NOW instead of years from now.

⚠️ Funds are limited.

⚠️ Not everyone qualifies.

⚠️ Education is key.

If you’ve been saying:

“I just need help with the down payment…”

This might be your window.

DM me “DREAM” and let’s see if this makes sense for you.

🏡 Lydia Ramirez

Realtor® | 408 → 209

Real Brokerage, Silicon Valley

DRE 02211023

📱 408-595-7901

#CaliforniaRealEstate #DreamForAll #SharedAppreciation #FirstTimeHomeBuyer #209RealEstate #408RealEstate #BuildEquity #HomeownershipJourney

Happy Valentine’s Day 💕

Today isn’t just about flowers and dinner reservations.

It’s about security.

It’s about stability.

It’s about building something that lasts.

Loving someone is beautiful…

But loving your future enough to invest in it?

That’s powerful.

Your first home doesn’t have to be forever.

It just has to be the steppingstone.

Because steppingstones build equity.

Equity builds leverage.

Leverage builds generational wealth.

Whether you’re buying with your partner or making boss moves on your own — ownership is one of the highest forms of self-love.

Fall in love with the plan.

Fall in love with your future.

If 2026 is the year you build something real, I’m your homegirl. 💗🏡

Lydia Ramirez, Realtor®

Real Brokerage, Silicon Valley

DRE 02211023

📱 408-595-7901

📧 Lydia.sjrealtor@gmail.com

🤳 @Lydia.SJRealtor

#YourHomegirlRealtor #ValentinesDay #FallInLoveWithThePlan #GenerationalWealth #FirstTimeHomebuyer #408To209 #HomeOwnershipJourney #BuildEquity #WomenWhoInvest

✨ “I want to buy a house.”
Okay bestie… now what? 👀🏡

I get this DM all the time — and I LOVE it. But buying a home isn’t just scrolling Zillow and sending addresses.

Here’s what really happens when you message me:

1️⃣ We TALK.
What are your goals? 408 or 209? First-time buyer? Dream home or stepping stone?

2️⃣ I connect you with a trusted lender.
Before we shop, we need clarity. What can you afford? What programs do you qualify for? FHA? 3% conventional? Down payment assistance?

3️⃣ You get pre-approved.
This is your power move. This is what makes you competitive. This is what turns “just looking” into “keys in hand.” 🔑

Buying a home is a strategy — and I walk you through it step by step. I don’t disappear. I educate. I guide. I negotiate.

If you’ve been thinking about sending that DM… this is your sign.

📲 Text/DM me “START”
Let’s build your plan.

🏡 Lydia Ramirez, Realtor®
Real Brokerage, Silicon Valley
DRE 02211023
📱 408-595-7901
📧 Lydia.sjrealtor@gmail.com
🤳 @Lydia.SJRealtor

#YourHomegirlRealtor #408To209 #FirstTimeBuyer #HomeBuyingSteps #CaliforniaRealtor

Your first home is NOT your forever home… and that’s OK. 🏡✨

Too many people wait because they think their first home has to be perfect.
Perfect neighborhood.
Perfect layout.
Perfect timing.

But the truth?

Your first home is a steppingstone.
It’s leverage.
It’s equity.
It’s experience.
It’s your foot in the door.

That starter home can turn into your next down payment.
That equity can turn into your dream home.
That move can change your family’s future.

Stop waiting for “perfect.”
Start building leverage.

If you’re in the 408 thinking about the 209… or staying right where you are — I’m your homegirl either way. 💗

Let’s build your steppingstone.

🏡 Lydia Ramirez, Realtor®
Real Brokerage, Silicon Valley
DRE 02211023
📱 408-595-7901
📧 Lydia.sjrealtor@gmail.com
🤳 @Lydia.SJRealtor

#YourHomegirlRealtor #FirstTimeHomebuyer #StarterHome #BuildEquity #408To209 SanJoseRealtor 209Realtor GenerationalWealth HomeOwnershipJourney

Everyone thinks you don’t need a realtor for a new build… until they see the results. 👀

I recently helped a buyer on a new build and we negotiated:

✔️ A lower purchase price
✔️ $41,000 in credits
✔️ A rate buydown
✔️ Solar included
✔️ Window treatments included
✔️ All appliances included (microwave, oven, fridge, dishwasher, washer & dryer)

That’s not by accident. That’s strategy.

The sales agent represents the builder.
I represent my client.

New builds are exciting—but contracts, upgrades, timelines, and incentives matter. And having someone negotiate on your behalf can make a MAJOR difference.

If you’re touring model homes in the 408 or the 209, call your realtor before you register.

And if you don’t have one yet… I’m your girl. 🏡✨

Even if you’re not local, I can connect you with a trusted agent anywhere in the country.

Let’s buy smart, not just new.

#NewBuildExpert #RealtorYouCanTrust #From408to209 #HomeBuyingStrategy #BuildSmart

🚨 YOU DO NOT NEED 20% DOWN TO BUY A HOME. 🚨

Let’s stop that myth right now.

There are programs out there with:

✨ 3% down

✨ 5% down

✨ 10% down

✨ Down payment assistance options

And guess what? Waiting until you “have the full 20%” could actually cost you MORE in the long run if prices and rates shift.

This episode of Your Homegirl Podcast is about INFORMATION.

Because knowledge is power. And when you understand your options, you move differently.

This space was created to educate you, empower you, and help you make decisions based on facts — not fear.

You don’t have to do this alone.

You just need the right strategy and the right realtor in your corner. 🏡✨

If you’re thinking about buying — even if you’re just curious — let’s talk numbers.

📲 Call/Text: 408-595-7901

📧 Email: Lydia.sjrealtor@gmail.com

🏡 Lydia Ramirez, Realtor®

Real Brokerage, Silicon Valley

DRE #02211023

🤳 @Lydia.SJRealtor

DM me “HOME” and let’s build a plan. 💬🏡

#YourHomegirlRealtor #408to209 #FirstTimeHomeBuyer #CaliforniaRealEstate #DreamForAll #Homeownership #RealEstateEducation #SanJoseRealtor #209Realtor #BayAreaRealEstate #GenerationalWealth

🚨 IT’S BACK!!! 🚨

The California Dream For All Program is officially BACK and this is HUGE for California first-time homebuyers 🏡✨

This program helps with your DOWN PAYMENT — which is the #1 thing stopping most people from buying. And yes… it’s real.

Here are some general qualifications to know 👇

✔️ Must be a first-time homebuyer (haven’t owned in the last 3 years)

✔️ Must meet income limits based on county

✔️ Must occupy the home as your primary residence

✔️ Must complete a homebuyer education course

✔️ Typically requires working with an approved lender

✔️ Credit requirements apply (but you do NOT need perfect credit)

And here’s the part people miss…

Funds are LIMITED.

It is NOT first come, first served forever.

When the funds are gone, they are gone.

If you’ve been saying:

“I just need help with the down payment…”

“I’m tired of renting…”

“I don’t know where to start…”

This is your window.

On this episode of Your Homegirl Podcast, I’m breaking down how this works for 408 buyers AND 209 buyers and how we position you properly before everyone rushes in.

📲 DM me “DREAM”

📞 Call/Text 408-595-7901

📧 Lydia.sjrealtor@gmail.com

Let’s see if you qualify and build a strategy NOW — not when everyone else jumps in.

The California Dream is back.

Are you ready to claim yours? 🏡✨

#CaliforniaDreamForAll #DownPaymentAssistance #FirstTimeBuyer #408To209 #BayAreaRealtor #CentralValleyRealtor #YourHomegirlPodcast

🎙️ 209 Market Update – Manteca & San Joaquin County

Here’s what’s happening in the 209 right now 👇

🏡 Active Listings: ~400 homes currently on the market in Manteca — still solid options for buyers.

⏳ Pending Homes: ~70+ homes under contract ready to close.

✅ Sold Homes (recent month): Around 450+ homes closed in the area — meaning buyers are active and deals are happening.

💰 What homes are selling for? Median prices are still strong — around the mid $400Ks–$500Ks range depending on neighborhood and size.

📈 Sales are moving — homes aren’t sitting forever — and motivation is showing from both buyers and sellers.

This market still has opportunities whether you’re:

✨ Buying your first home

✨ Upgrading

✨ Or relocating for more space & value

Message me “209” if you want a personalized market snapshot for YOUR zip code or budget.

Your Homegirl Realtor

Bringing clarity to your real estate goals. 🏡🤝

#209MarketUpdate #MantecaRealEstate #SanJoaquinCountyHomes #RentVsBuy #YourHomegirlPodcast #MoveToThe209 #EquityBuilding #LydiaRamirezRealtor