Amor por México!

Amor por México!

Peruana de nacimiento, mexicana de corazón es muy doloroso  pensar en los momentos tan terribles por los que están pasando nuestros hermanos de México.  Sé que no hay palabras que puedan aliviar el dolor y el sufrimiento que están viviendo hoy y poder aliviar toda la angustia que los aflige.  Pero si podemos dejarles saber que no están solos y que en estos momentos difíciles estamos unidos a ellos incondicionalmente más que nunca haciéndonos presente con todo lo que podamos ayudar.

Aquí comparto  estos enlaces de la Cruz Roja en México y  Amazon para que nos ayuden a ayudar a nuestros hermanos mexicanos, somos uno ahora.

https://cruzrojadonaciones.org/index.php

https://www.amazon.com.mx/b?ie=UTF8&node=17290014011&pf_rd_p=76aec45f-a7fa-4330-9eac-77b7ae0b8bf3&pf_rd_r=NB2VN1KX1DVTTPVP25X7

Bendiciones, y Muchísimas Gracias!

Sandy Flores

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When your furnace goes out…

When your furnace goes out…

By Sandy Flores

You’ll be left in the cold—but not if you know how to change its thermocouple. This is the part of the furnace that shuts off the gas if your pilot light goes out, preventing that gas from seeping into your home. (You know, the gas that can kill you if left to run amok.)

If the furnace won’t stay lit, there’s a good chance you have a faulty thermocouple. Learning how to replace or adjust yours can be the difference between a $10 trip to the hardware store, and a $90/hour visit from a technician. Most thermocouples are held in place by brackets, which can be gently unscrewed to insert the replacement thermocouple.

Keeping a spare thermocouple on hand during winter is especially smart, because furnace problems can be more inconvenient—and costly—during the peak times of the year.

When was the last time your home’ filters were replaced?

When was the last time your home’ filters were replaced?

Lots of appliances in your home have filters. In fact, any device that conducts air or water should have some sort of filter in place to remove impurities and particulates. Changing these filters routinely can save you money, and keep you safe, which is why it’s helpful to know when they’re due to be replaced. Furnace filters should be replaced every two to three months; HVAC, ice maker, and water dispenser filters must change at least once a year. But that varies based on the manufacturer, so be sure to check your maintenance manual and not let it slide.

 

House inventory: supply low – demand high

House inventory: supply low – demand high

By, Sandy Flores Broker

Low inventory numbers have entry-level buyers scrambling as empty nesters are reluctant to sell.

Home inventory in the U.S. has dropped to its lowest levels since 1999 according to Trulia.com, a San Francisco-based real estate research site.  Even though the U.S. has seen more than three years of a booming seller’s market for housing, there are plenty of Americans who are reluctant to sell their homes for a very simple reason: Where are they going to live?

The supply numbers are down 5.8% from a year ago and have declined year-over-year for the past 14 months. That compares to a more typical supply of 6 months in a healthy market, according to Trulia.Not only does the low housing inventory mean a bidding war for buyers, but sellers who may want to move to a smaller home and stay in the same market are quite often stuck because of the rise in prices for smaller homes that are being fought over by both first-time buyers and downsizing empty-nesters

“Although buying a home in a strong seller’s market can present lot of challenges, it is possible to secure a place you’ll love”  Sandy Flores Broker, Leading your way Home!

7 Reasons why you need a realtor when buying or selling a home

7 Reasons why you need a realtor when buying or selling a home

By, Sandy Flores Broker,

If you think hiring an agent when trying out a home sale or purchase is old news. it’s not, 88% of home buyers still purchase homes via real estate agents. True, the existence of home buying and selling websites, 1% commission sales and home buying and selling apps has made it considerable easy to go about a home sale or purchase yourself and save the realtor commissions that you have to surrender. But, the 88% of home buyers couldn’t be wrong, and here are seven reasons why you need a realtor when buying or selling a home.

  1. GOING SOLO COULD BE COSTLY

Although you may be attracted by the promise of “zero real estate commission” that going solo with your real estate deals command. It could actually turn out to be more costly. Stats prove that FSBO sellers sell their house for $30,000 less than what it’s really worth. Moreover, a random real estate buyer doesn’t have the negotiating prowess that an agent possesses.

  1. GET SUITABLE ADVICE

You might find yourself in any unforeseen situation when buying or selling a home. It’s your agent’s responsibility to give advice suited to you when you’re either buying or selling a home. The reason why you need a realtor in this case is that your agent has been able to deal with many of these types of issues successfully.

  1. GET CONNECTED

Your agent knows how important your time is when buying or selling and so is able to leverage his connections with other real estate agents and locals to get you clients within a short period. A good agent takes on the responsibility of helping you achieve your real estate wishes with as little stress as possible.

  1. QUALIFY CLIENTS

A realtor knows when the house is overpriced, when the seller doesn’t want to sell, and if you’re a seller, when the buyer is not serious with buying. This is really important if you don’t want dillydallying with your real estate.

  1. LOCAL MARKET KNOWLEDGE

A good agent knows the current situation of the market. Market information is crucial when coming to a home buying or selling decision. Apart from this, an experienced agent in that neighborhood has a strategy that works best for that market.

  1. NEGOTIATING PROWESS.

Your agent has been in the middle of many real estate negotiations, he/she has undergone training to be a good negotiator. Hence, a real estate agent is in the best position to represent your interest when buying or selling.

  1. ABILITY TO WORK WITH YOUR LIST.

Both the buyer’s agent and the seller’s agent work full-time as real estate agents and know what needs to be done to get an agreement. For example, if you are looking to buy a home, a real estate agent will track homes that meet your criteria, get in touch with the agents of the sellers and make appointments so you can see the houses. If you are buying on your own, you will have to play this telephone tag yourself.

Having a good real estate agent does not cost you anything, but it saves you a lot of potential losses. This is why you need a realtor who has market knowledge and can help you save money on your home deals. Do you want to Sell or Buy a House? Call me today (714) 963-7462.

 

5  Beginner tips for first timers buying a home in los angeles

5 Beginner tips for first timers buying a home in los angeles

 

By Sandy Flores Broker

5 BEGINNER TIPS FOR FIRST TIMERS BUYING A HOME IN LOS ANGELES, CA

In the past three years, prices of homes in Los Angeles have soared by 30 percent. In many areas, you’ll find a seller’s market. Only a three months’ supply of home available with 5,538 properties (single family homes and condos) sold in the past 6 months. Experts predict a seller’s market in 5 months’ time in Los Angeles and you can expect prices to go higher in coming years. So, if you’re still waiting to buy a home in Los Angeles, don’t wait too long.

But jumping in hastily isn’t recommended either. It’s possible for first time buyers to get too excited about the home buying prospect and rush in. Follow these 5 tips to avoid first time home buyer mistakes when buying a home in Los Angeles:

  1. How much house can I afford?

How much can you really afford? You need to determine how much of the monthly mortgage payments you’ll be comfortable with. Apart from meeting with a lender and reviewing your finances, there should be some soul-searching. Experts advise against going for the most expensive home you qualify for, unless you can truly bear the costs that come along with it.

  1. Be prepared

As a first timer, buying a home in Los Angeles presents you with so many options, yet you need to be prepared for rigid competition. If you are not paying cash, you should get a pre-approval from your lender before you proceed with buying a home in Los Angeles. Cash buyers tend to be more attractive to sellers because then the seller wouldn’t have to wait for the lender to approve a loan. You will need to have a down payment that’ll cover at least 20 percent of the selling price, and you may still face a bidding war for the home of your dreams.

  1. Check the down payment assistance program

Before you buy, check to see if you qualify for one of the down payment assistance programs. In Orange County, a family of four may qualify for state and federal assistance, even with an income as high as $108,350.

  1. Research The Neighborhood

Your knowledge of the area shouldn’t just be based on what your realtor told you. Research the neighborhood yourself during the day and at night. Converse with the locals at “Mom-and-Pop” stores, cafes, restaurants, markets, etc.

Immersing yourself into the neighborhood as a “local” will help you catch information that will not be disclosed by your realtor. This will give you a pellucid picture of the area.

  1. Choose the best Realtor

The truth is; agents deal with enormous amounts of problems and stress. Most of them are expert problem solvers, have “insider” information about properties/areas and can get you a great price on your home through great negotiation skills.

But just like in virtually any vocation, there will be the good and the bad. An inexperienced agent will set you back in time, money and can decrease your likelihood of getting the property you truly want. You need the best hands when buying a home in Los Angeles as a first timer, Give me a call 714.963.7462. Let’s find your dream home!

1% cuota inicial te puede llevar a ser dueño de tu casa propia

1% cuota inicial te puede llevar a ser dueño de tu casa propia

Fed’s hike of 0.25 point in short term rates

Fed’s hike of 0.25 point in short term rates

For the first time in a year and only the second time in a decade, the Federal Open Market Committee (FOMC), the policy making arm of the Federal Reserve, voted on Wednesday in its eighth and final meeting of the year to raise the federal funds target rate by 25 basis points up to the 0.50 to 0.75 percent range. Analysts in the housing industry have been speculating for weeks as to what the effect of a Fed rate hike would be on mortgage interest rates and overall affordability. In the month prior to the Fed voting to raise the federal funds target rate, the average 30-year FRM rose by more than 50 basis points to a level above 4 percent for the first time in more than a year.

“While the Fed’s hike of 0.25 point in short-term interest rates may trickle down to long-term rate products like 30-year mortgages, the more immediate impact will be felt by borrowers with variable-rate mortgages and home equity lines of credit who can expect an increase in their payments at their next rate reset,” said Tim Manni, mortgage expert at NerdWallet. “Homebuyers shouldn’t be particularly concerned with today’s Fed move. Even with rates hovering over 4 percent, they’re still historically low.

The Fed released a new forecast Wednesday and it projects U.S. economic growth this year to be 1.9% and next year to be 2.1%, both slightly better than the Fed’s previous projection in September. The rate increase indicate that the U.S. economy no longer needs the Fed’s crutches and consumers and businesses can afford to pay more to borrow.

Buy a House with 1% Down Payment

Buy a House with 1% Down Payment