🚨 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