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¿Cómo mejorar la calidad del aire interior en nuestros hogares?

Green home Generalmente la manera más eficaz de mejorar la calidad del interior del aire de tu casa es eliminando fuentes individuales de contaminación atmosférica o reducir sus emisiones. Fuentes como materiales que contengan asbestos, por ejemplo deben estar selladas o aun mejor removidas; otros como estufas de gas, se pueden ajustar para disminuir la cantidad de emisiones. En muchos casos, el control de la fuente de la calidad del aire es la ventilación que al mismo tiempo es costo eficiente para preservar una mejor calidad del aire interior de nuestras casas.

La mayoría de los sistemas de calefacción y aire acondicionado son sistemas de aire forzado, no traen mecánicamente el aire fresco en la casa. Abriendo las puertas y ventanas, ventiladores de áticos cuando el clima lo permite, o cuando tenemos aire acondicionado de pared con la ventilación abierta por periodos cortos de tiempo incrementa la cantidad de la ventilación y sirve como purificador del aire dentro de tu casa. Los ventiladores locales del cuarto de baño o de la cocina ayudan a eliminar los contaminantes directamente del cuarto donde están ubicados.

Es particularmente importante tomar pasos posible pues mientras que este implicado en actividades a corto plazo que puedan generar altos niveles agentes contaminante como por ejemplo, pintura, pintura que pela, soldar etc. recuerde que para la mayoría de los problemas del aire interior de nuestra casa, es la prevención y el control, fuentes eficaces para mejorar la calidad de aire interior.

Mortgage Rates plummeted today after Fed’s announcement

While the average improvement of 0.10% might not look like much at face value, it’s the biggest Finding-a-refinance-rate-for-your-homeone-day drop we’ve had in 2015, and in a league with very few other players historically.

With today’s improvement, the most prevalently-quoted conventional 30yr fixed loan for top tier borrowers falls back to 3.75%.   Some lenders will remain at 3.875% today, but many feel that  those lenders held back from passing on the full effect of the market movement not an uncommon occurrence after a volatile swing like today’s.

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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1.2 Million Borrowers Nationwide Regained Equity in 2014

1.2 Million Borrowers Nationwide Regained Equity in 2014

 

On today’s new analysis released by CoreLogic, leading global property information, analytics and data Price-Income_Featured-f084f5services provider, reported that 1.2 million borrowers regained equity in 2014. Nationwide, borrower equity increased year over year by $656 billion in Q4 2014. Borrowers with near negative equity are considered at risk of moving into negative equity if home prices fall. In contrast, if home prices rose by as little as 5 percent, an additional 1 million homeowners now in negative equity would regain equity. The calculations are not based on sampling, but rather on the full data set to avoid potential adverse selection due to sampling, and only data for mortgages residential properties that have a current estimated value is included.

Visit me at http://www.sandyflores.com; More information call me (714)963-7462

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Es 2015 el Año de los Primeros Compradores?

Es 2015 el Año de los Primeros Compradores?

Una de las predicciones de la Asociación Nacional de Realtors es que en el 2015 las oportunidades imagesCAQEZEKYpara comprar casa serán mucho mejor, y se espera que los primeros compradores que estuvieron fuera por un tiempo a consecuencia de la crisis hipotecaria reaparezcan a materializar el sueño de la casa propia.

Los efectos financieros residuales de las pérdidas durante la recesión impidieron la entrada de la generación “Millennials” en el mercado hipotecario.  Ahora con el incremento laboral, aumentos de empleo y recuperación de la economía las oportunidades de comprar casa son mas atractivas que nunca.

Aun más, si el acceso al crédito continua ampliando y mejorando, vamos a estar viendo números substancialmente considerables de compradores jóvenes en el mercado.

La generación “Millennials” mostrara un crecimiento significativo en 2015, particularmente a medida que la economía continúa recuperándose.

Como siempre analiza tus finanzas   antes de comprometerte a la compra de tu casa, y mantente informado de los opciones y programas que más te benefician.  No te olvides de buscar ayuda professional.  Preguntas??? Llámame 714-963-7462.

 

Sandy Flores…Liderando el camino a tu Casa Propia!

56 Percent of 3.3 Million HELOCs Scheduled to Reset With Higher Payments

realestatehousemoneymi600-resize-600x338A total of 3,262,036 HELOCs with an estimated total balance of $158 billion that originated during the housing price bubble between 2005 and 2008 are still open and scheduled to reset between 2015 and 2018.

Realty Trac the nation’s leading source for comprehensive housing data, today released its first-ever U.S. HELOC Resetting Report, which found that 56 percent of the 3.3 million Home Equity Lines of Credit potentially resetting with higher, fully amortizing monthly payments from 2015 to 2018 are on properties that are seriously underwater.

With 645,872 HELOCs, California led the way among the states in terms of sheer volume of resetting HELOCs. A total of 423,706 (66 percent) of those resetting HELOCs in California are on homes that still seriously underwater

 

ARE YOU READY TO OWN A HOME?

ARE YOU READY TO OWN A HOME?

Home ownership means you no longer pay monthly rent for the roof over your head. buying-a-home11When you leave, you can sell it to recoup the purchase price and earn any profit that you may have accumulated through your appreciation in value.

But don’t kid yourself. Home ownership comes with a slew of disadvantages, responsibilities, and downright headaches. So before going any further, consider whether your lifestyle and finances make home buying a smart move for you.

Except in a roaring real estate market, it usually doesn’t make sense to buy a home you’ll stay for less than three or four years, because the cost of the process of buying and selling your property means that you could lose money  from your equity.   On the other hand, you will not pay capital gain taxes if you’re in the property for at least of 2 years.

One key question is whether it costs more, on average, to rent or own in your area. The rule of thumb is that if you pay 33% in rent than you would for owning  including the monthly mortgage, property taxes, and any homeowner’s fees,  then it’s smarter to own a home then renting it.

As always, get your finances in order before committing to buy a home, and stay informed of all the options, alternatives and programs that will fit your needs.

Get help, and call a Realtor…Call me  714-963-7462.   Leading your way home!

PORQUE LOS PRESTATARIOS PAGAN SEGURO PRIVADO DE HIPOTECA?

PORQUE LOS PRESTATARIOS PAGAN SEGURO PRIVADO DE HIPOTECA?

Debido al riesgo en el incumplimiento y pérdida del préstamo. Los Bancos requieren el seguro de hipoteca privado conocido como PMI en PMI copyhipotecas cuyos compradores traen menos del 20% del precio de compra. Si los prestamistas pagaran seguro de hipoteca y pasaran el costo a los prestatarios reflejando un tipo de interés más alto, pudiendo esperar que los intereses incrementen drásticamente. Si el prestatario paga PMI estaría evitando este riesgo potencial.

Generalmente, cuanto más grande es la cantidad del préstamo, más riesgo adquiere el prestamista. El seguro de hipoteca privado es protección para el prestamista contra un prestatario que incumple en su préstamo hipotecario. Si el prestatario no pudiera pagar el préstamo, el prestamista tiene una manera de conseguir su dinero de regreso a través de la aseguranza privada al préstamo o PMI. Infórmate para que tus decisiones sean las mas acertadas al momento de invertir en la compra de tu casa.

Is a Bigger house always better?

Is a Bigger house always better?

65st-fixer-upperEveryone’s drawn to the biggest, most beautiful house on the block.

But bigger is usually not better when it comes to houses. There’s an old adage in real estate that says don’t buy the biggest, best house on the block. The largest house only appeals to a very small audience and you never want to limit potential buyers when you go to re-sell.

Your home is only going to go up in value as much as the other houses around you. If you pay $600,000 for a home and your neighbors pay $350,000 to $300,000, your appreciation is going to be limited. Sometimes it is best to is buy the house that has the most deferred maintenance on the block, because the worst house per square foot always trades for more than the biggest house.