How does our air inside the house get polluted?

Green homeMuch can be said about proper ventilation, for if we don’t have enough fresh air entering the home, then pollutants can accumulate to levels which can pose immediate health problems and affect our comfort.

We usually think of air pollution as being outdoors, but the air in your house or office could also be polluted. Sources of indoor pollution include:

  • Mold and pollen
  • Tobacco smoke
  • Household products and pesticides
  • Gases such as radon and carbon monoxide
  • Materials used in the building such as asbestos, formaldehyde and lead.

Usually indoor air quality problems only cause discomfort. Most people feel better as soon as they remove the source of the pollution.

Next: How Do we improve the air quality in our Homes?

 

 

 

 

 

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GREAT! You found the right HOUSE.

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Buying your FIRST HOME it is a very emotional process for most of homebuyers. However, don’t allow your emotions to get the best of you! You may fall into a number of common and high costly home buyer’s mistakes.

It’s important to keep your emotions in check to make the best possible decision. Once you’ve fallen in love with a particular home, it maybe hard to go back. Avoid the temptation to get in over your head financially, or the disappointment of feeling like you’re settling for less than you deserve. Start your search at the low-end of your price range, and see what home will satisfy your priorities.

Even when you have a long list of must-haves, there are probably several homes out there that can meet your needs.   Be open-minded, so you don’t run away from good deals. However, don’t buy a fixer-upper that’s more than you can handle in terms of time, money or ability, and definitely out of your budget. If you have been looking for a while, and still not seeing anything you like, don’t get desperate by overbidding excessively to get into your new house.

In a HOT REAL ESTATE MARKET it may be necessary to pull the trigger very quickly if you find a home you REALLY like. However, you have to balance the need to make a quick decision in this kind of market, make sure the home will be right for you, without neglecting important steps like making sure the neighborhood is appealing to you, and it feels safe at night and during the day, investigating also possible noise issues like a nearby train, airports, among others. Taking the time to consider your decision will also give you a chance to research how much the property is really worth and offer a reasonably price for it!

HAPPY HOUSE HUNTING!

Sandy Flores   Broker/Realtor (714)963-7462

Sandy Flores Broker/Realtor
(714)963-7462

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Yes!  You can get top dollar for your home!

Yes! You can get top dollar for your home!

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In addition to the # 1 rule in Real Estate   “Location, Location, Location” there are some other suggestions you can benefit from, to get top dollar for your home!

The strategy varies by neighborhood and market conditions, but staging a house to appeal to the maximum number of buyers can make difference in how fast the home sells.

If you have a limited budget, here are some tips that can make your house to sell for a top dollar:

  • Add color to you landscape by either replacing flower beds or potted flowers, along with fresh sod.
  • Replacing light fixtures and plumbing fixtures will give your home a modern touch for a minimal investment.
  • Consider removing popcorn ceilings; however you need to be careful because popcorn ceilings of pre-1979 homes are likely to contain asbestos, and you need someone licensed to remove it.
  • Remove window treatments, unless they are current and high-end. That cuts the risk of turning off would-be buyers who don’t share your taste, and uncovered windows that will let more light into the rooms.
  • If you’re using your dining or a bedroom as an office for example, turn it back to their original painting a homeuse.
  • Replace dirty or worn carpet, you’re better off removing the carpet if there are hardwood floors underneath.
  • Uncluttered your house by packing away items that you will not use on an every day basis is a must. You want the new family to envision themselves living in the home.
  • A deep cleaning before you put your home on the market is a must, so everything shines.
  • Repaint all rooms in neutral colors. A fresh coat of paint also makes the house look newer and more modern.

With a few simple, low-cost tweaks, you can significantly enhance your house’s curb appeal. Focus on low cost improvements. Since every dollar counts, devote your time in renovations that’ll bring you a return.

Esta el Mercado Hipotecario en el camino correcto?

Esta el Mercado Hipotecario en el camino correcto?

foreclosure-montageOcho Bancos nacionales que son, Bank of America, JPMorgan Chase, Citibank, HSBC, OneWest Bank, PNC, U.S. Bank, and Wells Fargo demostraron mejoras en el procesamiento de sus hipotecas con progresos en la prevención de Embargos durante el cuarto trimestre del 2014, mientras que el porcentaje de atrasos en hipotecas y la actividad de ejecuciones hipotecarias también continuó declinando, según el informe trimestral sobre la supervisión de los procesos hipotecarios realizada por la Oficina del Contralor de la Moneda de los Estados Unidos, revelado el pasado Viernes.

En el informe que abarcó cerca del 45 por ciento de todas las hipotecas residenciales activas en los Estados Unidos aproximadamente 23.1 millones de hipotecas que incluyen principal e interés totalizaban un total de $3.9 trillones hasta el 31 de Diciembre del 2014.

El inventario de las Ejecuciones Hipotecarias declinó en un 39.7 por ciento año tras año en este cuarto trimestre por debajo de 315.022 procesos, y las retenciones de Casas a través de modificaciones incluyendo las que están con periodo de prueba totalizaron 195,577 también en el cuarto trimestre, un descenso del 19.5 por ciento.

Se esta haciendo suficiente?

 

Is home remodeling worth the investment?

Is home remodeling worth the investment?

painting a homeMore Renovations are not Necessarily Better. Before you begin any major projects, it’s important to assess your home’s value and the neighborhood it’s in. Determine what it will be the approximate return on the investment (ROI) based on the current market value or how long you plan on staying in the house.

Be sure that your home renovations will add to the value of your home, but also aware that getting too extravagant may not bring the ROI you’re expecting.

The value of remodeling projects depends on several factors. First, take in consideration how old is the structure of the building, as well as, the general condition and the real need for the home-remodeling project.

The appearance of a house on the outside is what gives an initial and lasting impression.   Keep the exterior paint in good condition with no flakes or chips and roof should be clear of damaged shingles.

If paint on window shutters or trim is chipped, a new coat will refresh them and give your house a whole new look. These are inexpensive investments that are worth the cost.

Bath and kitchen areas are the most important rooms within a home. Remodeling a kitchen or bathroom can cost thousands of dollars but in many cases all they need is some sprucing up with paint or new floor material.

If the kitchen cabinets are in good condition, do not replace them with a complete kitchen remodeling job. They can be sanded and painted or stained for a lot less money. Replacing the knobs and handles will do the job as well giving them a whole new look and won’t cost a great deal of money.

Replacing an antiquated bathroom vanity and an old toilet is not very expensive and is not considered a major bathroom remodeling job. New bathroom fixtures from bathroom designer warehouses at cut-rate prices are also good options. Updating an old sink is as well inexpensive remodeling task. All these home-remodeling projects are worth the investment.

Be aware, that you don’t want to do work that makes your house worth $800,000. when the average market in your area is only $500,000.

Certain home renovations are a win-win situation, providing enjoyment to you, the homeowner, and then making your home more marketable, and worth more, in the future. Other renovations, however, can set you back thousands with no guarantee of future payoff on the Return of the Investment (ROI).

Don’t exceed the ceiling for the value of the homes in your neighborhood, or you won’t get your money back. Remodeling can cost a pretty penny, however it can provide significant returns when it comes time to sell your home, if you do it right!

Visit: http://www.sandyflores.com

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House Price Index Up 0.3 Percent in January

House Price Index Up 0.3 Percent in January

Prices-going-up-graphic-2U.S. house prices rose in January, up 0.3 percent on a seasonally adjusted basis from the previous month, according to the Federal Housing Finance Agency (FHFA) monthly House Price Index (HPI). The previously reported 0.8 percent change in December was revised downward to a 0.7 percent change.

The FHFA HPI is calculated using home sales price information from mortgages sold to or guaranteed by Fannie Mae and Freddie Mac. From January 2014 to January 2015, house prices were up 5.1 percent. The U.S. index is 3.5 percent below its March 2007 peak and is roughly the same as the December 2005 index level.

El Indice de Precios de Casas incrementó  0.3 por ciento

El Indice de Precios de Casas incrementó 0.3 por ciento

Prices-going-up-graphic-2Los Precios de la vivienda de los Estados Unidos incrementaron en Enero en un 0,3 por ciento sobre una base ajustada estacionalmente desde el mes anterior, de acuerdo al índice de precios de casas de la Agencia Federal de Financiación de la Vivienda (FHFA).

El Índice de Precios de las Viviendas (HPI-House Price Index) se calcula utilizando la información de los precios de ventas de hipotecas vendidas o garantizadas por Fannie Mae y Freddie Mac. Desde Enero del 2014 hasta Enero del 2015, los precios crecieron en un 5.1 por ciento.

Existing home sales slightly rebound

Existing home sales slightly rebound

Why this is a great time to sell your home?

 This is a great time to sell your home!

Total existing-home sales, which are completed transactions that include single-family homes, townhomes, condominiums and co-ops, rose 1.2% to a seasonally adjusted annual rate of 4.88 million in February from 4.82 million in January. Sales are 4.7% higher than a year ago and above year-over-year totals for the fifth consecutive month.

Negative Equity continues being a Serious Concern Despite Year Over Year Decline!

Negative Equity continues being a Serious Concern Despite Year Over Year Decline!

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While the percentage of homes in the United States with negative equity has declined substantially since the fourth quarter of 2013, they experienced a slight increase quarter-over-quarter in Q4 2014, according to CoreLogic‘s Q4 2014 Equity Report released last Tuesday.

CoreLogic reported that 10.8 percent of all residential homes were underwater in Q4, this is about 5.4 million properties approximately, which was down from 13.3 percent  in the same quarter a year earlier. The Q4 total was up slightly from the 10.3 percent that was reported for Q3 2014 – an increase of 3.3 percent.

Despite the year-over-year decline in the percentage of underwater residential properties, negative equity remains a serious issue, according to Anand Nallathambi, president and CEO of CoreLogic. For the full year of 2014, 1.2 million borrowers regained equity – but nearly five and a half million properties remained in negative equity as of the end of the year after approximately 172,000 homes slipped into negative equity from the third quarter to the fourth quarter in 2014.

Approximately 10 million of the nearly 50 million residential properties with a mortgage in the United States, which is about 20 percent of these properties have less than 20 percent equity, a condition known as under-equitied.

Visit http://www.sandyflores.com

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La Compra de tu Primera Casa!

La Compra de tu Primera Casa!

Hoy en día existen muchos programas que pueden ayudarte   a comprar tu primera casa y  realizar el sueñoimagesCAE684NL de tu Casa Propia.  Existen una variedad de Préstamos hipotecarios que te permiten  hoy por hoy calificar con mínimo enganche.

La documentación básica para la mayoría de estos programas no es tan complicada, lo primero  es tu información personal en la aplicación de solicitud del préstamo hipotecario conocida como Forma 1003, información de tu trabajo,  ingresos mensuales,  historial de pago de la renta actual, y tu reporte de crédito.

Existen Programas del Gobierno y Prestamos Convencionales. Estos Préstamos Hipotecarios se ofrecen también con tarifas de intereses fijos, como  intereses variables.  Es muy importante que consultes con tu prestamista sobre cuales son las ventajas y desventajas de cada tipo de préstamo, para que puedas decidir más acertadamente.

Es recomendable que antes de iniciar la búsqueda de tu Casa Propia, te informes cual es tu poder adquisitivo para la compra de tu casa. Es decir, por cuanto puedes calificar.  Esta calificación preliminar te permitirá mostrar que cumples con los requisitos principales para que te otorguen un préstamo hipotecario.

Informarte de las opciones y alternativas que te puedan beneficiar a largo plazo, y que no te causen gastos no solo innecesarios pero costosos. Tu Casa es la mejor inversión, por eso cuídala! Para más información te invito a visitar mi página de internet: www.sandyflores.com y sígueme en twitter @SandyFloresRE   en Facebook : http://www.facebook.com/SandyFloresRE   (714) 963-7462