This secret garden contains brand new studio and one bedroom units, modestly priced from $1475 – $1575. They are nestled among relaxing greenbelts within a quiet, gated community.
Our interiors include elevated ceilings, rich Euro-frame java beech wood cabinetry, stainless appliances, granite counters, microwave, washers/dryers and much more.
These inviting living spaces are convenient to shopping and commuter access. Lots of Bright Natural light, open floor plans, spacious baths, granite countertops and vanities, washer and dryer in every unit, mirrored wardrobes and lovely front patios. The gourmet kitchens are a chef’s delight! And don’t forget to take advantage of the wonderful community room for fun events. Located at 2750 North Texas Street in a secure gated community. Come on by and visit us for a tour or you can always call us at 707.421.9900.
If you are in the market for a new home, then you’d better read up! No matter how much you know regarding mortgages, its never too late to learn.
A lot of Americans are caught up in a mortgage nightmare simply because they didn’t dive into the process with some preparation. With a little studying and education, getting a home mortgage can become a far less stressful endeavor.
Here are a few questions that can help you go into the home mortgage process with more knowledge and confidence. Although this quiz doesn’t cover everything you should know, it’s certainly a good start:
Question 1: What is the difference between pre-qualification and pre-approval?
Answer: Pre-qualification is the first step in the mortgage process that involves supplying a bank or lender your financial information in order to find out how much you can borrow on a loan. Pre-approval is when you and your mortgage banker review your credit report to determine if you’re worthy of qualifying for a particular loan amount.
Question 2: What are the two big cash expenditures that require having money on hand to buy a home?
Down payment and closing costs.
Question 3: Generally, a monthly mortgage payment is made up of four different components commonly referred to as “PITI.” What are they?
Answer: Principal, Interest, Taxes, and Insurance.
Question 4: Why is it recommended to make one extra payment a year for people on 30-year fixed mortgages?
Answer: Since extra payments cut down the principle of your loan (and not interest), giving one additional payment a year can shorten your loan term by a decade.
Question 5: What is the downside to a subprime mortgage?
Answer: Although subprime mortgages come with lower introductory interest rates, they increase significantly after a number of years.
Question 6: What does LTV stand for and how do you determine it?
LTV stands for loan to value ratio. To find out an LTV, divide the loan amount by the appraised value of the house. So if your home is worth $200,000 and the loan amount is $100,000, then the LTV is 50%.
Question 7: There are three term lengths you can get for a fixed-rate mortgage. What are they?
Answer: 15 year, 20 year, and 30-year terms are your options for a fixed-rate mortgage.
Question 8: Of the mortgage rates mentioned in the last question, which one do most people find the easiest to qualify for?
30-year mortgages since a longer term means lower, more affordable payments. The fact that longer terms also mean bigger tax deductions also plays a role.
Question 9: Is it a good idea to get an ARM (adjustable-rate mortgage) if you plan on owning a home for a long time?
Answer: No. Since the interest rate on ARMs change along with market rates, they are unpredictable. An ARM is only recommended if you’re staying in a home for a short period of time.
Question 10: Lenders will look at your job history when considering offering you a loan. A red flag for them is if you haven’t been at your current job for at least how many years?
Lenders like to see that you’ve kept the same employment for at least two years. This also applies to people who are self-employed and part-time employees.
Question 11: What is it called when you owe more than your house is worth?
Answer: Owing more than your house is worth is called being “upside-down” on your mortgage.
Question 12: Is it OK to open a new credit account during the mortgage process in order to help pay for moving expenses, new furniture, etc?
Answer: No. Since everything must be documented with payment amounts and account statements, doing so can affect your debt-to-income ratio.
Moving is challenging enough on its own. Factor in babies and you better have another set of eyes! Read on for great advice regarding moving with your special little package.
We have organized the guide into three sections: Before the Move, Moving In and Baby Proofing.
On the move with a little mover in tow? Every parent knows having a baby at home is an adventure. Take that everyday baby voyage and mix in moving your home, now your adventure is more like a hike up Mt. Everest! Here’s the good news, if you plan ahead and take simple steps that trek will become a walk in the park (well maybe not, but a manageable stroll up hill.) Before you pack up and gear up for the baby + move exploration, check out this complete guide for parents moving with a baby to ease the stress and enjoy the transition.
We have organized the guide into three sections: Before the Move, Moving In and Baby Proofing. You can think of it like pregnancy, nesting and then labor!
Before the Move
Stick to Routine: Baby’s love and need their routine. Don’t let the moving to-do list and packing get in the way of your regular daily routine. Instead of pulling an all-nighter to pack, try to pack over a long period of time. Use naptime and baby’s early bedtime to get packing done in bits. Baby & parents need their sleep!
Create a Moving Calendar: To keep your head from spinning, it is best to plan your move 8 weeks out. Here is a Moving Day Count Down Calendar to copy, print and hang it up where you can easily refer to it while feeding the little one. This way you can take it day-by-day and get the satisfaction of checking off moving to-dos!
Use Childcare: During the actual moving day, when boxes and furniture are being moved, little ones should be somewhere else. Ask a trusted babysitter, friend or family member to take your bundle of joy for the day. It is also ideal to use childcare for days leading up to your move so that you can get more done on your moving calendar. There are great nanny and babysitting services that help you find qualified childcare.
Talk To Your Current Pediatrician: Your pediatrician is a great resource. If you are traveling long distance, ask them for tips for keeping your baby happy on a plane or long car ride. If you need to find a new pediatrician, make sure you get a copy of all of your child’s medical records to give to your new pediatrician. Get copies of all your child’s prescriptions and have them called into a pharmacy near your new home. Ask your current pediatrician for recommendations on how to find a new pediatrician close to your new home. When finding a new doc, it is recommended to set up a meet and greet appointment as soon as you move.
Pack a Baby Bag: You know the daily drill; pack half the nursery to carry with you wherever you go. Well, this time the baby bag (box or small suitcase) should include all of your needs for three days (if you’re moving a long distance, you may want at least one month of supplies with you rather than on the moving truck). Once you move into your new place, you may not have easy access to diapers, baby food, pacifiers and the important squeaky toy. So be sure to pack everything you need for three days (or more) in one place that you keep by your side for easy access on moving day and the first few days after.
Unpack the Nursery First: When moving in you should set up the nursery first. This will allow you to change your baby and easily put them to sleep on the first night in your new home. Arrange the nursery as closely as possible to your previous nursery. The familiarity will help you and your baby in the transition.
Setting Up The Crib: All new cribs on the market today meet the safety standards of the Consumer Product Safety Commission (CPSC) and the Juvenile Products Manufacturers Association (JPMA). When setting up a new crib or reassembling your crib look for the following suffocation and strangulation hazards:
- Sharp or jagged edges
- Missing, broken or loose parts
- Loose hardware
- Cut out designs in the headboard or footboard
- Crib slats more than 2 3/8 inches apart (width of a soda can)
- Corner post extension over 1/16 of an inch high
- Gaps larger than 2 fingers width between the sides of the crib and the mattress
- Drop side latches that could be easily released by your baby
Use Safe Bedding: Soft bedding can suffocate a baby, blocking the baby’s airway during sleep. Babies can suffocate when their faces become wedged against or buried in a mattress, pillow or other soft object. Use a safe crib with a firm, tight-fitting mattress covered with a crib sheet and nothing else in it. To keep your baby warm, use a sleep sack (wearable blanket).
Baby Proofing the New Home
I turned to the uber knowledgeable folks at Safe Kids Worldwide for a Baby Safety Checklist:
Crawl Through Your Home: The first step to a safe home, say the experts at Safe Kids, is to look at the world through your baby’s eyes. See what looks interesting and what can be reached. And I mean it literally – get down on your hands and knees in your new home and check for small things your baby can choke on. You will be amazed at what you discover! If you question if an item is a choking hazard, take an empty toilet paper roll and put the small object in it. If it fits completely into the roll, don’t let children under 3 play with it.
Test Alarms: Have working smoke alarms and carbon monoxide detectors inside all bedrooms, outside all sleeping areas and on every level of your new home. Test alarms monthly and change batteries once a year.
Install Gates: Install stair gates at the top and bottom of stairs. Stair gates at the top must be attached to the wall with hardware.
Secure Furniture: Secure furniture to the wall to avoid tip overs.
Check Windows: When decorating your new place, be sure to use cordless window coverings.
Mindful Unpacking: When unpacking, be sure to lock up medicines, vitamins, cleaning products, pet food, alcohol, poisonous plants, and chemicals (like paint, gasoline, etc.) and store them high out of your baby’s reach.
Your baby’s arrival was certainly the most blissful and incredible life change. Now you get to start the next chapter together in your new home. A home that is safe for your little one to play, grow and explore!
Source: CB Blue Matter / Lindsay Lantanski
Sometimes when planning to sell a house, in the name of renovating interior living spaces, updating bathrooms, replacing appliances and adding decorative touches throughout the bedrooms, homeowners leave outdoor curb appeal as a last priority. While of course the inside of a home is important, sellers make a big mistake when they neglect the exterior. Why is a home’s exterior so important? Consider this: Curb appeal is often a potential buyer’s first impression of a home, the very thing that helps him/her decide whether or not to come inside. Whether they’re shopping online or by cruising through neighborhoods, the outside of your property is the first thing they’ll notice. If you’re selling your home or about to, how can you quickly and effectively tackle the outdoor appeal? Here are some key tips for boosting the curb appeal in a way that means quick turnaround and increased home value:
1. Start with the Front Door. Believe it or not, your home’s front door can be one of its most important assets. A new steel entry door consistently ranks as one of the most rewarding projects in home repairs, yielding an increase in home value that’s greater than the costs to install one. Likewise, to make the door especially captivating, consider painting it a bold, pleasing color that will grab attention and add charm. When buyers see a new door that looks attractive, they see another asset that makes your home the one to buy.
2. Make Any Necessary Repairs. Is the driveway cracked or the front doorbell busted? Now is the time to call a repair company or get out your own toolbox to make repairs. Buyers want turnkey, move-in-properties, and that means they want properties with repairs already done. Do the work now to get your home in ship-shape condition.
3. Keep Up with Landscaping. From mowing the lawn to pulling weeds, make sure you’re keeping up with your outdoor landscaping so that your home looks presentable and well cared for at all times. Overgrown bushes and dying plants are a surefire signal to potential buyers that you’re not caring for your home and leaving more maintenance for them to handle.
4. Add Lighting. While most buyers will come visit your home during the daytime, it’s not at all unusual for the most interested ones to also drive by at night to see what nighttime curb appeal is like. Landscape lighting can make all the difference in terms of how a home looks, so make an investment in attractive lighting options that illuminate and add interest to your property. “Solar landscaping lights are a great addition to any yard because they don’t require complicated and expensive wiring,” says Bob Vila. “Remember, though, you get what you pay for—cheap lights won’t last as long and simply won’t look as good.”
5. Touch Up Paint. A fresh coat of paint is just as powerful outside as it is inside, so to update your home’s look, repaint the exterior or at least touch up problem areas. Another idea is to paint the trim a new color that creates either a nice complement or contrast to your home’s overall look.
6. Make Over the Mailbox. You might not think a mailbox matters much, but it’s yet another one of those little details that can add up together to make a strong impression on a buyer.
7. Add Outdoor Furniture. From rocking chairs on the front porch to an outdoor patio set on the back deck, outdoor furniture creates outdoor living spaces that expand your home’s appeal. Look for attractive, durable pieces that will endure weather damage and look good for years to come — whether or not you include these pieces with the home sale, setting them up is a great way to stage your home for greater resale value.
The bottom line when it comes to curb appeal is that a little investment today can add up to big rewards tomorrow. Take the time to update, clean, repair and add value to your property’s exterior now and you will make it more attractive to buyers, not to mention more beautiful to come home to. Use the tips above to get started now.
There are several factors that weigh on home value, including condition, location, and—in areas where they are most pronounced—environmental hazards such as poor air quality.
According to the ATTOM Data Solutions recent Environmental Hazards Housing Risk Index, 17.3 million single-family homes and condominiums have a high risk of an environmental hazard, with Denver, Colo., San Bernardino, Calif., and Curtis Bay, Md., facing the highest risk. Environmental hazards include brownfields, or property contaminated (or potentially contaminated) by a hazardous substance, polluters, poor air quality and superfunds.
“Home values are higher and long-term home price appreciation is stronger in zip codes without a high risk for any of the four environmental hazards analyzed,” says Daren Blomquist, senior vice president at ATTOM Data Solutions. “Corresponding to that is a higher share of homes still seriously underwater in the zip codes with a high risk of at least one environmental hazard, indicating those areas have not regained as much of the home value lost during the downturn.
“Conversely, home price appreciation over the past five years was actually stronger in the higher-risk zip codes, which could reflect the strong influence of investors during this recent housing recovery,” Blomquist says. “Environmental hazards likely impact owner-occupants more directly than investors, making the latter more willing to purchase in higher-risk areas. The higher share of cash sales we’re seeing in high-risk zip codes for environmental hazards also suggests that this is the case.”
In areas with a “very high” brownfield risk, 17.2 percent of properties are “seriously underwater,” according to the Index; in areas with a “very low” brownfield risk, 8.9 percent of properties are seriously underwater. Median home prices in very high brownfield risk areas are 2.8 percent below 10 years prior, while median home prices in very low brownfield risk areas are 2.8 percent above 10 years prior. Home sellers in very high brownfield risk areas gained 25.3 percent on average at sale, while sellers in very low brownfield risk areas gained 18.9 percent.
In areas with a very high polluter risk, 12.7 percent of properties are seriously underwater, compared to 9.2 percent of properties seriously underwater in very low polluter risk areas. Home sellers in very high polluter risk areas gained 16.6 percent on average at sale, while sellers in very low polluter risk areas gained 27.7 percent.
For areas with a “low” or “moderate” risk of poor air quality, home sales volume has increased 26 percent in the past five years, according to the report; for areas with a “high” risk of poor air quality, home sales volume has increased 16.5 percent in the past five years, while in areas with a very high risk of poor air quality, home sales volume has increased 3.3 percent over the past five years.
Median home prices in very high superfund risk areas are 1.5 percent below 10 years prior. Home sellers in high superfund risk areas gained 19.6 percent on average at sale, while sellers in very low superfund risk areas gained 24.4 percent.