---
title: Orange County Real Estate Blog | Inspira Group | Bob Dalsimer
description: "Bob is highly successful in the real estate industry. He has helped people buy, sell and finance homes for over 20 years. His passion for assisting others and providing the ultimate in customer care throughout the loan, real estate buying and selling process has earned him over a 90% referral and repeat client base.
\nReferrals are how Bob measures his success. His commitment and dedication to clients, employees, agents and his family are unsurpassed.
\nHe has an MBA in finance from New York University and a Bachelor's degree in Psychology. Bob lives in Laguna Niguel with his wife Kei and dog Sachi. Their daughter Julie graduated from the University of California at San Diego and currently works in Human Resources. Their son David graduated from Cal Poly San Luis Obispo and is working in Finance.
"
---
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[](https://www.inspiragroup.com/)
- [About](https://www.inspiragroup.com/about-us)
- [Our Team](https://www.inspiragroup.com/about-us/our-team)
- [Why Inspira?](https://www.inspiragroup.com/services)
- [Home Buying](https://www.inspiragroup.com/services/home-buying)
- [Home Selling](https://www.inspiragroup.com/services/home-selling)
- [Home Financing](https://www.inspiragroup.com/services/home-financing)
- [Success Stories](https://www.inspiragroup.com/success-stories)
- [Contact](https://www.inspiragroup.com/contact-us)
- [Blog](https://www.inspiragroup.com/blog)
# Inspira Group Orange County Real Estate Blog
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## Bob Dalsimer
Bob is highly successful in the real estate industry. He has helped people buy, sell and finance homes for over 20 years. His passion for assisting others and providing the ultimate in customer care throughout the loan, real estate buying and selling process has earned him over a 90% referral and repeat client base.
Referrals are how Bob measures his success. His commitment and dedication to clients, employees, agents and his family are unsurpassed.
He has an MBA in finance from New York University and a Bachelor's degree in Psychology. Bob lives in Laguna Niguel with his wife Kei and dog Sachi. Their daughter Julie graduated from the University of California at San Diego and currently works in Human Resources. Their son David graduated from Cal Poly San Luis Obispo and is working in Finance.
Find me on:
### Recent Posts
## [3 Important Items to Consider During a Home Inspection](https://www.inspiragroup.com/blog/home-inspection)
Posted by [Bob Dalsimer](https://www.inspiragroup.com/blog/author/bob-dalsimer)
- [Tweet](https://twitter.com/share)
[](https://www.inspiragroup.com/blog/home-inspection)
Getting a home inspection is an integral part of the [home buying process](https://www.inspiragroup.com/blog/home-buying-101-closing-costs). A home inspection is a detailed examination of the present condition of the home for sale and is intended to identify any components or systems that could be deficient or unsafe. By identifying these components during a home inspection, the potential home buyer can determine the integrity of the home.
Knowing [what to look for during a home inspection](http://www.totalhomeinspection.com/totalhomeinspectionchecklist.pdf) is extremely important for homebuyers so that what they think that they are buying and what they are actually buying matches in reality. There are three main categories that should be evaluated during a home inspection:
[Keep Reading This Post](https://www.inspiragroup.com/blog/home-inspection)
Topics: [First Time Buyer](https://www.inspiragroup.com/blog/topic/first-time-buyer), [Move Up Buyers](https://www.inspiragroup.com/blog/topic/move-up-buyers), [Relocation Buyers](https://www.inspiragroup.com/blog/topic/relocation-buyers)
## [Home Buying 101: Three Ways to Avoid Mortgage Insurance](https://www.inspiragroup.com/blog/home-buying-101-three-ways-to-avoid-mortgage-insurance)
Posted by [Bob Dalsimer](https://www.inspiragroup.com/blog/author/bob-dalsimer)
- [Tweet](https://twitter.com/share)
[](https://www.inspiragroup.com/blog/home-buying-101-three-ways-to-avoid-mortgage-insurance)
There are many intricacies within the home buying process, yet it seems that most are related to obtaining the right home loan. Many first time buyers have a preconceived notion that a 20% down payment is required for a home loan, [which is not true](https://www.inspiragroup.com/blog/home-buying-101-do-i-really-need-20-down). You can, in fact, obtain a home loan with less than a 20% down payment, which typically would have mortgage insurance. However, there are a couple of ways to avoid mortgage insurance when you put less than 20% down.
[Keep Reading This Post](https://www.inspiragroup.com/blog/home-buying-101-three-ways-to-avoid-mortgage-insurance)
Topics: [First Time Buyer](https://www.inspiragroup.com/blog/topic/first-time-buyer), [Move Up Buyers](https://www.inspiragroup.com/blog/topic/move-up-buyers), [Relocation Buyers](https://www.inspiragroup.com/blog/topic/relocation-buyers)
## [Home Buying 101: Do I Really Need 20% Down?](https://www.inspiragroup.com/blog/home-buying-101-do-i-really-need-20-down)
Posted by [Bob Dalsimer](https://www.inspiragroup.com/blog/author/bob-dalsimer)
- [Tweet](https://twitter.com/share)
[](https://www.inspiragroup.com/blog/home-buying-101-do-i-really-need-20-down)
[First-time home buyers](https://www.inspiragroup.com/success-stories/mike-and-briana) often turn to Google to answer the multitude of questions like “How do I buy a home?” “How do I get a home loan?” “Where do I start if I want to buy a home?” The opportunity with Google is that it can lead you to reliable resources like blog articles, news articles, and more, however, there is also some inaccurate and misleading information out there.
A specific topic that first-time home buyers may be misinformed on is, “How much do I need as a down payment for a home?”. I often see posts that say that a minimum of 20% (of the home price) is required for a down payment when purchasing a home. Is this really true?
No, it’s not! In fact, there are many ways that you can [buy a home](https://www.inspiragroup.com/5-simple-steps-to-achieving-homeownership) with less than 20% down.
[Keep Reading This Post](https://www.inspiragroup.com/blog/home-buying-101-do-i-really-need-20-down)
Topics: [First Time Buyer](https://www.inspiragroup.com/blog/topic/first-time-buyer), [Move Up Buyers](https://www.inspiragroup.com/blog/topic/move-up-buyers), [Relocation Buyers](https://www.inspiragroup.com/blog/topic/relocation-buyers)
## [Home Buying 101: Escrow/Impound Accounts](https://www.inspiragroup.com/blog/home-buying-101-escrow/impound-accounts)
Posted by [Bob Dalsimer](https://www.inspiragroup.com/blog/author/bob-dalsimer)
- [Tweet](https://twitter.com/share)
[](https://www.inspiragroup.com/blog/home-buying-101-escrow/impound-accounts)
You’re there – you’ve done it! Your offer has been accepted, and now that you’re going through the loan process, the concept of an escrow/impound account will be brought up (not to be confused with escrow, which means the company that is a 3rd neutral party who coordinates the closing of a real estate transaction).
[Keep Reading This Post](https://www.inspiragroup.com/blog/home-buying-101-escrow/impound-accounts)
Topics: [First Time Buyer](https://www.inspiragroup.com/blog/topic/first-time-buyer), [Move Up Buyers](https://www.inspiragroup.com/blog/topic/move-up-buyers), [Relocation Buyers](https://www.inspiragroup.com/blog/topic/relocation-buyers)
[All posts](https://www.inspiragroup.com/blog/all) [Next](https://www.inspiragroup.com/blog/author/bob-dalsimer/page/2)
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### Recent Posts
### Posts by Topic
- [First Time Buyer (11)](https://www.inspiragroup.com/blog/topic/first-time-buyer)
- [Move Up Buyers (11)](https://www.inspiragroup.com/blog/topic/move-up-buyers)
- [Relocation Buyers (7)](https://www.inspiragroup.com/blog/topic/relocation-buyers)
- [Other (5)](https://www.inspiragroup.com/blog/topic/other)
- [Selling Your Home (2)](https://www.inspiragroup.com/blog/topic/selling-your-home)
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