Happy New Years to everyone in the Central Coast! We at Valley Hills Realty have had a great start to 2017 and we hope that you have too. This year will bring many changes to you and family around you and one of those changes may be in the comfort of your own home. One way to make your home more comfortable is to get rid of clutter. Here are 5 ways to bring down clutter around your house.
Follow these tips for easy and quick ways to de-clutter your home.
1. Adding shelves: The addition of shelves in your home will not only create space but also give your home a different feel. Get rid of stuff that is lying around on the floor and place them on shelves to give you more floor space.
2. Garage storage: Make your garage your main storage area. Yes you can have multiple uses for the garage but if you set it as your primary storage area, you will have more space in your home.
3. Getting rid of broken items: It may be hard to get rid of some precious stuff in your house but if the item is broken or un-useable, then why keep it? They just take up space around your home so get rid of them to get your space back.
4. Placing stuff in drawers: If you have extra drawers around the house, you can use those drawers to create more space. By neatly organizing in drawers, one can get rid of clutter that is simply lying around.
5. Reorganize one room at a time: By taking it one room at a time, it will seem much less stressful when reorganizing. Take it easy and calm.
By going through these steps on a monthly basis, you will experience a home that is much more livable than before with more space and room to mingle in.
When purchasing a home there are many things that can be overlooked. A thing that one must keep in mind when buying a house, especially for first-time home buyers, is the differences between an Appraisal and an Inspection. A Home Appraisal and a Home Inspection are reports based on the inspection of a home but they each have different requirements or elements to them. An appraisal is used to determine the market value of a home and is required by the mortgage lender. An inspection is a more detailed evaluation of the home usually requested by the home buyer and is not required by the lender.
When a home buyer needs to borrow money, known as a mortgage, the lender will require an appraisal of the home to provide a more accurate estimate of the home’s value. Home appraisals are usually short and do not take much time. The real estate appraiser will assess the actual home as well as provide a comparison of homes that have been sold in the same neighborhood, usually within the last year.
Home inspections are more detailed and are requested by the home buyer since they are not required for the home seller to provide. A home inspector will evaluate the details of the home like the AC, plumbing, electrical, and other areas alike. Though they are not required, home inspections are strongly recommended so that the buyer has a more accurate depiction of the property that they are buying.
Achieving The American Dream
The American Dream. Having a loving family, attaining a stable job, and most importantly possessing your own home, even if it’s not in Santa Maria, California or somewhere near the Central Coast. All of these accomplishments can be challenging at times, especially taking the next step of having your own home. With financial planning and legalities, it all starts with a bit of knowledge of the industry and some research.
Purchasing a Home in the United States
The United States Real Estate market is tremendous, especially the Santa Maria Real Estate area since it is continuing to grow. One thing to keep in mind is that each state has their own unique set of policies, set of laws, and not to mention taxes. So don’t be surprised when you notice different tax rates in various cities and states. Also Keep in mind that their are many incentives for individuals such as veterans who have served our country. Veterans qualify for loans known as VA Loans and many lenders out there offer these kinds of incentives that better help them achieve the home of their dreams.
As mentioned above, taxes vary by state. So when you are asking yourself how much house can I afford, do not forget to include property taxes as the tend to add up. They are used to fund public projects such as schools, parks, and things such as law enforcement. Knowing ahead of time what kind of taxes you will be paying will give you a better picture of the cost of living in your new home, especially if you are planning on moving out of state; do some research.
Educate Yourself On the Real Estate Market
One should also know what exactly drives house prices in the market, especially in the Central Coast Real Estate area because it has gained popularity in past years. Instability in house prices vary from state to state and from region to region. For example, a home in the Arroyo Grande, California will not have the same price as a beach from property in the Pismo Beach, California area even though their proximity is not to far apart. Same applies to locations such as Los Angeles, California and New York (especially within the city). We at Greater Mortgage Solutions and Valley Hills Realty want to teach you about the macro and micro trends that influence the real estate market. That way you can make a better decision when making a mortgage deal that is being offered to you.
So when you, a family member, or a close friend of yours is ready to achieve The American Dream, consider allowing one of our team of experts at Greater Mortgage Solutions and Valley Hills Realty help you attain the precise mortgage and the home you have always wanted. We are filled with team members that are ready to help you every step of the way.
Are you getting ready to purchase your first home? This can be exciting but grueling and challenging at time. Not to mention the fear that comes along with it. Renting a place is much different, you have less responsibility and worries but when you purchase a home, many things come into factor. For most people it may seem easy, they find a house that they love at a reasonable price but it is not that simple. Many of those people make common mistakes that hurt them in the long run. This article provides you with some of the common tips that most first time home buyers make when purchasing a home.
1. Not Knowing What You Can Afford
One of the first things that you need to know is how much can you afford. If you are a first time home buyer in your early 30’s, maybe save your money for future investing because this is your first home but it will certainly not be your last. We suggest that you keep track of your monthly expenses and plan for any upcoming expenditures that may arise such as homeowners insurance, realtor fees, and loan payments. Keeping track of your current expenses is the key to figuring out how much you can afford.
2. Skipping Mortgage Qualification
Another big mistake that first time home buyers tend to make is to skip their mortgage qualification. Make sure to get pre-approved for a loan before placing an offer on the house of your dreams. This is especially true if you have little to no credit or an unstable income.
3. Not Considering Further Expenses
Upon being a homeowner, you will encounter expenses on top of your monthly mortgage payments. Unlike renting, you’ll be now responsible for paying property taxes, home insurance and making any repairs the house needs.
4. Neglecting to Inspect
Before going into Escrow and close on the sale, you have to know what kind of shape the house is in. Just like buying a used car, you must give it a thorough inspection in order to know the car is fully functioning. This will allow you to avoid unexpected repairs that cause headaches to say the least.
5. Not Choosing to Hire an Agent or Using the Seller’s Agent
Walking into an open house without a qualifies real estate agent is one of the worst mistakes on can make. Real Estate Agents are held responsible to act on both the seller’ and buyers’ best interest so we suggest that you contract an agent of your own so that you two build a mutual relationship that is long lasting.
Once you’re seriously shopping for a home, don’t walk into an open house without having an agent (or at least being prepared to throw out a name of someone you’re supposedly working with). Agents are held to the ethical rule that they must act in both the seller and the buyer parties’ best interests, but you can see how that might not work in your best interest if you start dealing with a seller’s agent before contacting one of your own.