Se vence el pago de la primera cuota del Impuesto a su Propiedad

Se vence el pago de la primera cuota del Impuesto a su Propiedad

 El 1ro. De Noviembre es el Pago de la Primera cuota del Impuesto  a su Propiedad. Todos los dueños de propiedad en California deben pagar los impuestos sobre la propiedad que se basan en el valor de sus viviendas o propiedades comerciales. Property Taxes Due Now copy

Estos Impuestos se pagan en dos plazos. Las Primeras facturas de impuestos sobre la propiedad del año fiscal son enviadas en octubre; y el primer pago  es el  1 de noviembre y se considera moroso  el 10 de diciembre.  El pago de la segunda cuota es el 1ro. De Febrero, y se considera moroso el 10 de Abril y penalidades de hasta un 10% podrían añadirse a su cuenta.

Para muchos de los contribuyentes de California, la ley de impuestos sobre la propiedad es uno de los mayores pagos de impuestos que se realizan cada año. Para muchos  de los gobiernos locales en California, las escuelas K-12, colegios comunitarios, ciudades, condados y distritos especiales representan la base esencial de sus ingresos.

Los impuestos sobre la propiedad en California incluyen una variedad de diferentes cargos fiscales. Entre estos  están  la tasa de 1 por ciento establecida por la Proposición 13 en 1978.  Bajo la Proposición 13, los impuestos a la propiedad no podrán  superar el 1 por ciento del valor tasado de su propiedad y no puede elevarse a una cantidad superior a la tasa de inflación medida por el índice de precios al consumidor, con un 2% limite al año.  También incluyen otros impuestos aprobados por los votantes, evaluaciones de Propiedad efectuadas por los condados, impuestos  llamados  Mello Roos e Impuestos de Parcelas.

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Boost Your Home’s Selling Price!

Boost Your Home’s Selling Price!

If you’re looking to sell your home for top dollar, in addition to “Location, Location, Location” there are some other suggestions you may benefit from, to get top dollar for your home!    child and father painting wall together

As the saying goes, “You don’t get a second chance to make a first impression.” While curb appeal gets buyers in the door, sellers who want to move their homes quickly need to take other steps.

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 use.
  • Replace dirty or worn carpet, you’re better off removing the carpet if there are hardwood floors underneath.
  • Unclutter your house by packing away items that you will not use on an every day basis. 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.

Home sales show encouraging stats

Home sales show encouraging stats

Existing home sales, excluding distressed sales, are the most encouraging stats at the moment. These, according to Trulia and the National Association of Realtors, were 80 percent back to normal in August.

home-salesTrulia’s Bubble Watch also showed that prices were 3.4 percent undervalued in the third quarter, which is a marked improvement over the 13.5 percent undervaluation at the worst of the housing bust. That means prices are three-fourths of the way back to normal.

Delinquency and foreclosure rates also were much improved. According to Trulia and Black Knight, the national delinquency and foreclosure rate was 74 percent back to normal in August, the same as one quarter ago and up from 56 percent one year ago. The decline in defaults and foreclosures has helped stabilize the financial system and hard-hit neighborhoods.

September:  Highest Consumer Confidence

September: Highest Consumer Confidence

Consumer confidence reached its highest level since the Great Recession in September, according to the Thomson Reuters and University of Michigan Surveys of Consumers.

consumer-confidenceSeptember’s increase in consumer confidence is the result of optimistic outlooks on the overall economy and personal incomes.  The consumer expectations index rose 5.8 percent over the month of September, while the current conditions index fell 0.9 percent.

Additionally, a growing number of consumers expect their incomes to increase over the next year. The median income growth expectation reported in September was 1.1 percent, which is the highest expectation since late 2008. At the same time, more households anticipate income growth now than at any time since September 2008.

The renewal of income growth is particularly important for sparking consumer spending, and adding pending changes to monetary policy will make income gains prompt to boost even more consumer’s confidence.

80,000 Foreclosures prevented!

The Federal Housing Finance Agency (FHFA) indicated in its report on foreclosure prevention  for Q2 2014 released on September 24, that Fannie Mae and Freddie Mac  prevented nearly 80,000 foreclosures nationwide in the second quarter, raising the total number of foreclosures prevented since the start of the conservatorship in September 2008 to 3.3 million.

fThe measures taken by the two GSEs to prevent foreclosures have helped about 2.7 million borrowers remain in their homes in the last six years, with approximately 1.7 million of those borrowers receiving permanent loan modifications. The number of foreclosures prevented is down 10 percent from Q1, when GSE measures stopped almost 89,000 foreclosures.

FHFA reports as well that about 37 percent of those who received permanent loan modifications were able to reduce their monthly payments by more than 30 percent in second quarter.

New homes sales see biggest monthly jump!

New homes sales see biggest monthly jump!

Sales of new single family houses in August 2014 were at a seasonally adjusted annual rate of 504,000, up from July’s printing of 427,000, the fastest rate in six years and the biggest monthly jump since January 1992.

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The biggest gains and by far the reason for the big increase were new home sales in the West, one of the two largest housing markets, along with the South.

New home sales in the West were up 50% over July.

The South saw an 8% increase. The South is by far the largest region for new home sales, outdistancing all other regions combined.

The median sales price of new houses sold in August 2014 was $275,600; the average sales price was $347,900.

Jumbo Loans Cheaper and Easier to Get!

Jumbo Loans Cheaper and Easier to Get!

bigstock-Resort-collage-made-of-Cyprus--14454446Wealthy home buyers are paying lower average rates on high dollar loans, and in some cases, they don’t even have to worry about a large down payment or mortgage insurance.

For months, lenders of jumbo mortgages have been charging interest rates that are lower  than what average borrowers pay. Jumbo loans are mortgages that above $417,000 or $625,000 or more in high-priced markets.

Many lenders also have requiring as little as 10 percent, which is about half the normal rate, waiving the private mortgage insurance, and even lowered their credit standards for jumbo loan originations.

Luxury homes are selling faster than last year, according to data through July from Realtor.com.   The median age of listings ranged from 80 days  for homes listed at $1 million or more.