Tag Archives: homes

5 Tips To Get Rid Of Clutter Around The House

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.

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Home Gardening Benefits and Common Mistakes

So many people are considering the addition of a home garden to their home for many reasons. Whether you are looking to relax and sooth yourself from a stressful week or take on a new hobby, gardening may be the answer for you.


Labor that is Relaxing

You may wonder how gardening, a hobby that requires some sort of physical stain could be relaxing and soothing? This type of labor is not like construction or working in a factory. Gardening can help you break your daily routine and release unwanted energy and emotions, giving you the opportunity to take your mind off of your daily tasks providing you with some replacement therapy.


Why Garden?

Gardening may not be for everyone to try, but it can provide you with a hobby that helps you relax as you feel the earth within your palms or the gentle breeze that flows through your body. Another reason to take up gardening as a hobby is to feel the joy of what you have created with your very own hands. Try something new for a change and notice for yourself the pleasure that comes along with it.


Before you get your ‘hands dirty’ here are some common mistakes that new gardeners tend to make:

1. Over watering – there is no need to douse your new garden with a ton of water. This can actually harm or even destroy your new creation. Instead keep the watering to a moderate level and keep an eye out for the weather as a rainy season can help you save time and money by allowing mother earth to feed your garden.

2. Fertilizing More is Not Always the Best Option – . Instead of spreading your garden with extensive fertilizer, learn the nutritional needs of what your plants need to survive.

3. Ignoring Invasive Plants. Unfortunately there are plants known as invasive, or in other words these types of plants harm other plants or flowers around them. Take some time and study the types of plants that naturally live next to each other or plants that don’t cause any harm to others.

4. Killing All Bugs. This may not be the best idea to do because some insects and bugs actually help your garden grow. Read up on those types of bugs that actually provide damage and focus on getting rid of them.

5. Overcrowding. Allow plenty of space between your plants to flourish and grown, rather than stuffing your garden space with as many plants as possible.

6. Avoiding Weeding – Weeds can be annoying  not only because of their looks but they also prevent your garden to grow to its fullest potential.

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Do You Understand How A Short Sale Will Influence Your Ability In Purchasing Another Home

There is alot happening within the realm of real estate every where not just in the Santa Maria real estate market and that holds true with just about all the mortgage home loans having to go  bad, and unless you have been existing under a rock then you ought be some what familiar with the expression short sale which has come to be as familiar as the word foreclosure.   Quite a bit of of you that live in either a house or condo regardless of whether or not you own it or not, you have had reminders left on your building, that there are a whole lot of people eager to accommodate to do a short sale and that it is much better for someone to do than it is a foreclosure, (I have left a few myself on a few doors).  For those that do not know what a short sale is, which is basically when a homeowner sells his place for less that what he currently owes.  now there are some benefits to doing a short sale, first one is when do you need to be a homeowner again?

Supposing that you may be able to compel your lender to allow you to do a short sale even if you have not missed any payments.  Then FHA will allow you to acquire another home the next day, as long as the home you are acquiring is not at all superior to the home you now have.   The challenging  part will be getting your lender to let you to do the short sale, a lender may refuse to allow you to do a short sale, as stated before this is the difficult part procuring the approval when you have not missed a payment and a short sale transaction normally takes months to close.  Assuming that you do miss payments and you do a short sale, FHA guidelines now state that you have to wait at least 3 years, before you could purchase another home provided that you were to try to acquire a FHA loan.  This is where carrying out a short sale and just letting your place go to foreclosure genuinely does not at all make a difference in you getting financing again.  Now the 3 years is from the date of closing not at all from the date you stopped making payments or the time you initiated the process towards your short sale or foreclosure.

But now moving on to other loans outside of simply an FHA there are a few differences when it comes to obtaining a loan other than a govt. loan, and doing a conventional loan.  Currently Freddie Mac and Fannnie Mae are the two largest investors at this time.  These two humongous govt. sponsored corporations acquire pretty much all the mortgages out there that the banks are now doing, reality is that most of the homes in Santa Maria are being done via FHA.   With the condition that you do a short sale and from the date of closing your transaction your waiting period is merely 2 years to buy another house.   In any event please keep in mind if you are on a separate loan whether it is investment property or you co-signed on it, there can be no mortgage lates within the 12 months of application.   With the condition that you foreclose then the waiting period is 5 years from the date of your foreclosure date.  That is a huge difference in regards to getting back in the market in addition to becoming eligible to obtaining sponsorship and becoming a homeowner again.  Then it depends on credit, what is your credit going to be, its a fact that after doing a short sale or foreclosure you will be dealing with bad credit but its only temporary???

Keep in mind houses are so very much less now and I seriously doubt they will be doubling in 2-3 years time in essence if the house is unaffordable now you can be in a preferable financial position in 2-3 years in addition to with less stress.   In closing on the assumption that you find yourself in a position of conceivably having to do a short sale or losing your house you are not alone and for many when taking their finances into consideration a number of  homeowners have come to learn after some time that it could be a blessing in disguise.

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Who Wants To Know How To Buy A Foreclosure?


Buying Bank Owned Property

Essentially, there are three distinct phases at which it is possible to buy a foreclosures property. Financiers and homebuyers can purchase a property foreclosure property in the initially part of default — prior to a property foreclosure public sale takes place. Second, investors can purchase a property at the open public foreclosure auction. And ultimately, a property foreclosure property may be bought from the bank or lending institution if no one presentations at the open public sale and the financial institution repossesses the property.

As soon as a property is repossessed by a bank or lender, the property will probably be outlined for deal through a property associate. This is virtually constantly the case, as banks should need to be capable to prove which these folks possess attempted their very best to reclaim well-rounded “market treasure” for their equipment and didn’t merely bail out and dump the property at the taxpayer’s expense. Even so, Good purchases are available, in Beverly MA real estate for sale as well as a lot of, a lot of various trading markets, but these folks call for research, planning, patience and persistence. Buying a bank-owned residence in property foreclosure isn’t easy, and it’s scarcely with no risk. Prior to you take into account plunging headlong into the foreclosure industry, ensure to do some in-depth research.

Right here is a number of details you can do to successfully acquire a bank-owned REO:

1. Inspect Property.

Most property foreclosure components are referred to by financiers as “distressed” attributes. Bank-owned property foreclosure houses are generally sold “as is,” which means which the 15 % low cost you simply saved on the acquire price can quickly be eaten up by unforeseen expenditures — like fixes not quickly apparent in an exterior inspection. Quite a few proprietors of houses that go into foreclosures have been having difficulties financially, which normally means that the house has not received required fixes or general maintenance for a while. Some homeowners who get rid of their property to a loan company typically harm the property. So be prepared to do makeovers and fixes. Recruit a accredited house inspector to provide you with a created approximation of the price to restoration the property. Budget which number into the buy price. Service prices may be employed later on in your negotiation with the bank to lower the inquiring price.

2. Deed Research.

As soon as a residence has been located, look the open public information for liens and remaining taxes. Doing so is true in Beverly MA real estate for sale and real estate for deal in any various place. You should perform a preliminary check of title on RealtyTrac and after that recruit a name company to run a full, policyholder name look earlier than cinching the deal. Liens as a property can hard drive up the buy price. Common liens generally are brought on a property for unpaid loans borrowed against the property, taxes or unpaid hvac dealers (mechanics liens). These liens remain intact until the money is paid, which suggests that you may need to pay off the liens on the foreclosed property you are buying — also though you’re not the one who didn’t pay the property taxes. Banks should crystal clear the name before selling but in no way believe this is the claim — just as you would if you have been buying a property from anybody else. Find out more about government tax foreclosures.

3. Make a deal.

Financiers ought to be prepared to make a deal a lower lower fee, a lower curiosity charge, a reduction in securing prices and a lower asking price. Many mortgage loan companies may be ready to waive some cinching costs, possibly also present a escape on the interest charge or the down fee. Moreover, most lenders may possibly provide to finance the property at a below-market fee or using a lower-than-usual lower fee. Don’t be afraid to ask for a far better cost and desirable terms.

4. The Offer.

Though a lot banking institutions need to unload their foreclosed qualities, they won’t essentially do so cheaply. So you aren’t guaranteed a astonishing price. But bear in mind you’re dealing with an keen seller. Even however the bank’s REO administrator or their itemizing associate might point towards that the number price is “firm,” never be frightened to make a deal price — particularly if the foreclosed bank-owned residence must repairs. Once presenting a low provide, you need to substantiate the lessened price tag in creating and doc the case. You should furnish pictures and price estimates for fixes to assist the present total volume.

5. Funding.

With excellent credit, a lot of financial institutions could loans the full price tag of the property foreclosure or a lot more. If the home is to be applied as a rental, quite a few banking institutions will need only a 10 percent down fee. Foreclosure investors using a vast amount of fairness in one more residence may get a family of credit from their bank to purchase a property foreclosure. Once they transform the series of credit score to a mortgage loan, no straight down fee may be required. Uncover how to receive a cost-free credit report.

Now Get Out there and Do It!

Whether or not you are desiring at an investment in Beverly MA real estate for deal or some other location, the economic system needs you.

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