Vives en California? Tu Casa y FEMA.

Vives en California? Tu Casa y FEMA.

By Sandy Flores

California es el estado más poblado de los Estados Unidos, ya que cuenta aproximadamente con más de 39 millones de habitantes   y es el tercer estado más grande en extensión territorial (después de Alaska y Texas).  La geografía de California se caracteriza por tener costas espectaculares, acantilados y playas impresionantes. También posee zonas montañosas, parques naturales que cuentan con las secuoyas más grandes del mundo y zonas desérticas.

No obstante, dado lo impredecible de la naturaleza, es importante tomar medidas para reducir riesgos, proteger tu hogar y mantener a tu familia segura.  Identificar los riesgos más comunes en tu área es lo más importante, para que puedas enfocar tus planes de preparación y las prioridades.  Así como también, un buen momento para revisar tus pólizas de seguro y confirmar la cobertura contra diversos eventos que pudieran ocurrir.

Recuerda que desastres naturales y otros eventos de tiempo severo como inundaciones, granizo, tormentas de invierno, terremoto pueden ocurrir en cualquier lugar por lo que es esencial estar preparados.

Algunas de las medidas básicas que considerar como,

  • Agua:  un galón (3,8 litros) de agua por persona por día durante, al menos, tres días para consumo e higiene.
  • Alimentos: un suministro de alimentos no perecederos para, al menos, tres días.
  • Una radio a pilas o a cuerda, y una radio meteorológica de la Oficina Nacional de Administración Oceánica y Atmosférica (NOAA, por sus siglas en inglés) y pilas de repuesto para ambas.
  • Linterna y pilas de repuesto.
  • Botiquín de primeros auxilios
  • Silbato para pedir ayuda
  • Mascara para polvo para ayudar a filtrar el aire contaminado y una lona plástica y cinta adhesiva para armar un refugio en el lugar.
  • Llave o tenazas para cortar los servicios públicos
  • Abrelatas manual para los alimentos
  • Mapas del lugar.
  • Teléfono celular y cargador, inversores de corriente o cargadores solares.

Para más información visita la dirección de internet:    https://www.ready.gov/es/mantengase-informado

Se estima que la destrucción causada por el huracán Harvey y huracán Irma está costando hasta la fecha entre $ 150 y $ 200 billones, según los reportes.

La Agencia Federal para la Gestión de Emergencias o FEMA es la agencia del Gobierno de los Estados Unidos que da respuesta a huracanes, terremotos, inundaciones y otros desastres naturales.

Según una encuesta realizada por FEMA en 2015,  el 60 por ciento de los estadounidenses no están preparados para estos desastres naturales de cualquier tipo. Y sólo el 39 por ciento tienen un plan de emergencia a pesar de que el 80 por ciento viven en condados que son vulnerables a condiciones climáticas extremas.

FEMA también maneja el Programa Nacional de Seguro contra Inundación que provee a propietarios de vivienda, inquilinos, y dueños de negocios una manera como protegerse financieramente de pérdidas causadas por catástrofes.

Plan de emergencia básico que ofrece FEMA:

  • Mantener un lazo de comunicación con el exterior es importante. Tenga un radio portátil con pilas y con pilas extras a la mano y asegúrate que tu familia sepa donde se guarda el radio.
  • Coloca los números de emergencia (ambulancia, policía, y bomberos) al lado del teléfono. Enséñele a los niños cómo llamar al 911 para obtener ayuda.
  • Enseña aquellos a miembros de familia que sean responsable como apagar los servicios básicos del hogar.
  • Identifica los puntos de encuentro fuera del vecindario para que tu familia pueda reunirse, y asegúrate que todos conozcan esos lugares.
  • Desarrolla un plan de comunicación ante emergencias. Selecciona un amigo o familiar en otro estado o ciudad para que sea el punto de contacto de toda la familia y asegúrate que tu familia tenga el número de esa persona.
  • Planifica y conoce bien las rutas de desalojo en caso de que tengas que abandonar tu vecindario.
  • Incluye también a tus mascotas en su plan por desastre.
  • Invierte en un radio económico de la Administración Nacional Oceánica y Atmosférica, que trasmite los pronósticos del tiempo. Sintonice esta radio en la frecuencia específica para el área en que vives.

Para más información visita:  https://www.fema.gov/es

¿Pensando en Comprar o Vender tu Casa?  Elige a quien verdaderamente conoce el mercado inmobiliario. Soy tu agente de confianza en bienes raíces, y se que trabajando juntos podemos alcanzar más metas.   Sandy Flores, Broker/Realtor 714-963-7462.

Advertisements

Getting your home ready to Sell!

reduced2Getting your home ready to sell can seem overwhelming, but it doesn’t have to be. However, you need to look at your home from the perspective of a potential buyer.

Here are some tips that can help you on getting your home ready for sell boosting its curb appeal:

  • Add color to you landscape by either replacing flower beds or potted flowers, along with fresh sod.
  • Replace light fixtures and plumbing fixtures that will give your home a modern touch for a minimal investment.
  • 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.
  • 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.

Focus on low cost improvements! This will enhance your house’s curb appeal, and get your house ready to Sell!

Sandy Flores Broker/Realtor (714)963-7462

facebook-logo-transparent1

Homeownership at Best!

Homeownership at Best!

Federal Housing Finance Agency has been working towards a plan to open what many we see as underwriting standards that are too restrictive.

Mortgage giants Fannie Mae and Freddie Mac, their regulator and lenders are close to an agreement that could greatly expand mortgage credit while helping lenders protect themselves from charges of making bad loans, according to people familiar with the matter.

Homeownership getting better!

Homeownership Gets Better!

If the agreement is completed, lenders may be more willing to lend to borrowers with lower credit scores and smaller down payments.

Now that lenders are starting to remove some of the credit overlays, it is time to improve the growth of homeownership in the country

We expect FHFA to report the steps to further move and clarify lender liability and support the return of the 97% LTV product at the GSEs, Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac have recouped tens of billions of dollars in penalties from lenders in recent years over claims that the lenders made underwriting mistakes on loans they sold to the mortgage giants.

However, Lenders have blamed those penalties for tight credit conditions and for prompting them to make loans only to borrowers with near-pristine credit.

We hope these initiatives will have a meaningful impact on the mortgage market, and we can see positive changes in the direction of the mortgages industry after years of tightening credit issues.

Next Tuesday will see the existing home sales report for September, on Thursday the FHFA purchase-only house price index for August, and Friday the new home sales report.

 

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.

firsthomeblog

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.

Bouncing back from foreclosure!

After losing their homes in the foreclosure crisis, boomerang buyers are back!   Since the housing bubble burst, 4.8 million borrowers have lost their homes to foreclosure, and another 2.2 million gave them up in short sales, according to Realty Trac.

Manicured Yard

How quickly someone can bounce back from a foreclosure or a short sale depends on the reasons for the past financial problems and on the person’s current credit score. A would-be borrower who had good credit history before a job loss, for instance, is more likely to qualify for a new mortgage than one who had bad credit and continues to demonstrate poor financial habits.

The FHA introduced a Back to Work loan program in 2013 to address the needs of individuals and families who lost their homes because of the housing crisis and recession. The program requires housing counseling before a new loan can be approved.

The borrowers need to be able to document the reason for the foreclosure or short sale and show that they’ve been responsible with their credit after they lost their home. A drop in credit score is okay as long as they can show they had good credit before the crisis.

Do you really need Earthquake insurance?

Do you really need Earthquake insurance?

While earthquakes are more prevalent in the state of California, they can occur in any state. The truth is that an earthquake can occur and cause damage to your property in almost any state.

Earthquake insurance will cover damage to your dwelling and its contents caused by damage from and earthquake such as walls that collapse or valuables that are destroyed inside your home.

CALIFORNIA EARTHQUAKEYour regular homeowner’s policy does not cover damage caused by earthquakes. You must either purchase an earthquake coverage endorsement or purchase a separate policy for earthquake insurance.

Don’t make the mistake of thinking that you will rely on government disaster assistance to help you recover losses from an earthquake.  Government disaster programs, such as FEMA, are designed to take care of immediate needs such as food, clothing, medical assistance and temporary shelter.

If you live in an earthquake prone area, the only way your property and contents will be covered is through Earthquake Insurance.

Do You really need Earthquake Insurance?  Only you can make this determination. Many people, especially people who do not live in earthquake prone areas choose not to get this coverage. Earthquake Insurance policies can be quite expensive. Just know that if you do not have earthquake insurance, rebuilding your home and replacing all of your valuables will come out of your own pocket.

The state of California offers earthquake insurance through the California Earthquake Authority (CEA). Individual insurance companies in the state can elect to participate in the CEA.  By law, if an insurance company offers homeowner’s insurance in the state of California, it must also offer earthquake insurance.

Mini-policies are also available which only cover your dwelling, excluding items such as patios, pools or other detached structures. This was introduced in 1996 by the California legislature in an effort to keep earthquake premiums affordable for homeowners.