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Displaying blog entries 1-10 of 153

Six Great Reasons to Buy a Home

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This infographic does a great job outlining some of the key benefits of homeownership. If you're looking to take the next step towards buying a home give us a call today! We can walk you through options and next steps whether you're a first-time homebuyer or getting ready to down-size. 

 

Finding the right down payment strategy

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You’ve most likely heard the rule: Save for a 20 percent down payment before you buy a home. The logic behind saving 20 percent is solid, as it shows that you have the financial discipline and stability to save for a long-term goal. It also helps you get favorable rates from lenders.

But there can actually be financial benefits to putting down a small down payment—as low as three percent—rather than parting with so much cash up front, even if you have the money available.

THE DOWNSIDE

The downsides of a small down payment are pretty well known. You’ll have to pay Private Mortgage Insurance, and the lower your down payment, the more you’ll pay. You’ll also be offered a lesser loan amount than borrowers who have a 20-percent down payment, which will eliminate some homes from your search.

THE UPSIDE

The national average for home appreciation is about five percent. The appreciation is independent from your home payment, so whether you put down 20 percent or three percent, the increase in equity is the same. If you’re looking at your home as an investment, putting down a smaller amount can lead to a higher return on investment, while also leaving more of your savings free for home repairs, upgrades, or other investment opportunities.

THE HAPPY MEDIUM

Of course, your home payment options aren’t binary. Most borrowers can find some common ground between the security of a traditional 20 percent and an investment-focused, small down payment. We'd be happy to sit down with you and talk through what makes the most sense for your specific needs and goals. Give us a call at 805.238.1555 or email info@realteam360.com.

Wire Fraud on the Rise

by Brian Thorndyke

This is unfortunately becoming a big issue for homebuyers. Simple solution though - call and verify!

Protect Your Home Against Wildfires

by Scott Ehrke

California has had its share of wildfires this year, and the resulting devastation has been unbearable. Traditionally, when we think about protecting our homes against wildfires the first thought is defensible space. And this is hugely important - see our earlier blog post for more info. But this graphic outlines even more ways to protect against wildfires. Take a look and see if there are any other changes you can make to help keep your home safe!


Tax Reform: Is California a Winner or a Loser?

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Not everyone is a winner in California real estate here. The new tax reform brings little positive, if not a bit of negative, to our otherwise robust real estate market. So, we’ll do what we always do – make the most of what we have. If you’d like to review how this impacts you, call us for a personalized review of your position.

Scott Ehrke & Brian Thorndyke 805.238.1555 I RE/MAX Parkside Real Estate

 

 

Be a smarter buyer with this new home checklist

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When you’re house hunting, information is power. The more you know before you make an offer, the better. Often when two homes are equally appealing, digging into the details can make a difference. Here’s a list of items that many buyers overlook or forget to ask about while they’re shopping for a house:

Homeowner’s association rules: Certain neighborhood covenants may be a deal maker or breaker for you, so if there’s a set of guidelines you’ll be required to adhere to, get them up front. They can cover everything from paint colors to lawn design and beyond.

Utility bills: Most sellers won’t balk at sharing with you what utilities cost annually. Water, power, gas, and even telecommunication or cable service provider bills can help you get a better idea what it will cost monthly to live in the home.

Pest control: In areas where pests can be a problem, asking for information about who has been maintaining pest control (and how much it costs) can help you plan financially and get a sense if the sellers have been keeping up with pest issues.

Service providers: Save yourself some legwork and ask the sellers who they like for lawn maintenance, pool maintenance, home repair work, house cleaners, and appliance repair. Not only will the list save you time, but the providers will already be familiar with the home’s condition and systems.

Home insurance company: You can bet the company insuring the home will want to continue to keep the business, and getting this cost information and provider contact info from the buyer is a good idea.

Floor plans: Having a floor plan will help you understand whether or not your stuff is a good fit for the home. Not every seller will have these handy, but sometimes a seller’s agent will be willing to get a current floor plan put together if it’s important to you.

These may seem like small details, but sometimes they can make all the difference!

I love helping home buyers make informed decisions about their next home. I can help you walk through the pros and cons of every detail. If you’re thinking about buying give me a call or shoot me a message.

 

Sincerely,

Scott Ehrke

RE/MAX Parkside Real Estate

805-238-1555

scott@scottandbrian.com

Remodeling for Resale

by Scott Ehrke

This is a great infographic from the California Association of Realtors detailing the five most common exterior remodeling projects and what they mean for resale. Each has an estimated cost and recovery percentage. A new roof seems to make the most sense with an estimated recovery of 109%, it's a no-brainer. Feel free to share your thoughts or experiences in the comments!

Shop Local For Small Business Saturday

by Scott Ehrke

It’s Small Business Saturday! Being small business owners, this one’s near and dear to us. If you’ve got some holiday shopping to do, get out and support our local merchants today! Below is a list of some of our favorites right here in Paso. From goods to antiques, to delicious food and drinks – we have it all right here at home.

Farm Supply Company

General Store Paso Robles

Relics Mall Antiques

Birch Fabrics

Pasolivo

Thomas Hill Organics

Twisted and Glazed

Asuncion Ridge

Santa Maria Brewing Company

Spearhead Coffee

Extensive business list here from the Main Street Association

Do you have a favorite small business that you’d like to give a shout out to? Let us know in the comments!

 

10 Tips to Keep your Home Safe While Traveling

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We’re heading into the holidays and for many that means traveling to visit family. If you’re planning to head out of town you’ll want to take steps to protect your home and your possessions while you’re gone. These 10 tips will help ensure everything is safe and sound when you return.

  1. Have someone collect your mail and newspaper daily.
  2. Leave shades and blinds in normal positions.
  3. Put at least two lights and a radio on automatic timers.
  4. Have someone leave trash at your curb on garbage collection day.
  5. Have someone park a car in your driveway occasionally. If you leave your car outside, arrange to have it moved every so often.
  6. Leave a key with a trusted neighbor in case of an emergency. Let the neighbor know where you are going and when you are expect to return, also leave them a way to get in contact with you in case of an emergency.
  7. Lock all windows and doors before you go. Do not forget to double-check basement and garage doors.
  8. On extended trips have someone to maintain your landscaping, (grass mowed, leaves raked, etc.)
  9. Consider turning off your home’s water main to prevent damage from a burst pipe.
  10. Be careful how much you check-in on social media while on vacation. If your privacy settings are incorrect you might reveal to strangers your home is vacant!

Safe travels, hopefully this will help offer you peace of mind while you’re away!

Pumpkin Carving Contest

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We Want to See Your Jack-O-Lanterns!

We love this season and thought it would be fun to host a pumpkin carving contest. All you have to do is follow us and post a picture on our Facebook contest post to enter. We’ll use our expert pumpkin carving panel (team staff :) to pick a winner after Halloween! Winner gets bragging rights and a $30 gift card to The General Store, Paso Robles.

Facebook link: https://www.facebook.com/RealTeam360/

TERMS & CONDITIONS:

NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE THE CHANCES OF WINNING.

1. Eligibility: This contest is open only to those who enter via https://www.facebook.com/RealTeam360/  and who are 18 years of age or older as of the date of entry. The contest is only open to legal residents of California and is void where prohibited by law. Employees of Real Team 360, its affiliates, subsidiaries, advertising and promotion agencies, and suppliers, (collectively the “Employees”), and immediate family members and/or those living in the same household of Employees are not eligible to participate in the Contest. The Contest is subject to all applicable federal, state, and local laws and regulations. Void where prohibited.

2. Agreement to Rules: By participating, the Contestant (“You”) agree to be fully unconditionally bound by these Rules, and You represent and warrant that You meet the eligibility requirements. In addition, You agree to accept the decisions of Real Team 360 as final and binding as it relates to the content of this Contest.

3. Contest Period: Entries will be accepted online starting on 10/26/17 and ending 10/31/17. All online entries must be received by midnight (PST) on 10/31/17.

4. How to Enter: The Contest must be entered by submitting a picture on the contest post at https://www.facebook.com/RealTeam360/  . The entry must fulfill all Contest requirements, as specified, to be eligible to win a prize. Entries that are incomplete or do not adhere to the rules or specifications may be disqualified at the sole discretion of Real Team 360. You may enter only once. You must provide the information requested. You may not enter more times than indicated by using multiple email addresses, identities, or devices in an attempt to circumvent the rules. If You use fraudulent methods or otherwise attempt to circumvent the rules, your submission may be removed from eligibility at the sole discretion of Real Team 360.

5. Prizes: The Winner(s) of the contest (the “Winner”) will receive $30 Gift Card to The General Store, Paso Robles. Actual/appraised value may differ at time of prize award. The specifics of the prize shall be solely determined by Real Team 360. No cash or other prize substitution shall be permitted except at Real Team 360 discretion. The prize is nontransferable. Any and all prize-related expenses, including without limitation any and all federal, state, and/or local taxes, shall be the sole responsibility of Winner. No substitution of prize or transfer/assignment of prize to others or request for the cash equivalent by Winner is permitted. Acceptance of prize constitutes permission for Real Team 360 to use Winner’s name, likeness, and entry for purposes of advertising and trade without further compensation, unless prohibited by law.

6. Odds: The odds of winning depend on the number of eligible entries received.

7. Winner Selection and Notification: Winner will be selected by staff vote under the supervision of Real Team 360. Winner will be notified by Facebook message within five (5) days following selection of Winner. Real Team 360 shall have no liability for Winner’s failure to receive notices due to spam, junk e-mail or other security settings or for Winner’s provision of incorrect or otherwise non-functioning contact information. If Winner cannot be contacted, is ineligible, fails to claim the prize within 7 days from the time award notification was sent, or fails to timely return a completed and executed declaration and release as required, the prize may be forfeited and an alternate Winner selected. Receipt by Winner of the prize offered in this Contest is conditioned upon compliance with any and all federal, state, and local laws and regulations. ANY VIOLATION OF THESE OFFICIAL RULES BY WINNER Real Team 360’s SOLE DISCRETION) WILL RESULT IN WINNER’S DISQUALIFICATION AS WINNER OF THE CONTEST, AND ALL PRIVILEGES AS WINNER WILL BE IMMEDIATELY TERMINATED.

8. Rights Granted by You: By entering this content (e.g., photo, video, text, etc.), You understand and agree that Real Team 360, anyone acting on behalf of Real Team 360, and Real Team 360’s licensees, successors, and assigns, shall have the right, where permitted by law, to print, publish, broadcast, distribute, and use in any media now known or hereafter developed, in perpetuity and throughout the World, without limitation, your entry, name, portrait, picture, voice, likeness, image, statements about the Contest, and biographical information for news, publicity, information, trade, advertising, public relations, and promotional purposes, without any further compensation, notice, review, or consent. Optional verbiage for Contests: By entering this content, You represent and warrant that your entry is an original work of authorship, and does not violate any third party’s proprietary or intellectual property rights. If your entry infringes upon the intellectual property right of another, You will be disqualified at the sole discretion of Real Team 360. If the content of your entry is claimed to constitute infringement of any proprietary or intellectual proprietary rights of any third party, You shall, at your sole expense, defend or settle against such claims. You shall indemnify, defend, and hold harmless Real Team 360 from and against any suit, proceeding, claims, liability, loss, damage, costs or expense, which Real Team 360 may incur, suffer, or be required to pay arising out of such infringement or suspected infringement of any third party’s right.

9. Terms & Conditions: Real Team 360 reserves the right, in its sole discretion, to cancel, terminate, modify or suspend the Contest should virus, bug, non-authorized human intervention, fraud, or other cause beyond Real Team 360’s control corrupt or affect the administration, security, fairness, or proper conduct of the Contest. In such case, Real Team 360 may select the Winner from all eligible entries received prior to and/or after (if appropriate) the action taken by Real Team 360. Real Team 360 reserves the right, in its sole discretion, to disqualify any individual who tampers or attempts to tamper with the entry process or the operation of the Contest or website or violates these Terms & Conditions. Real Team 360 has the right, in its sole discretion, to maintain the integrity of the Contest, to void votes for any reason, including, but not limited to: multiple entries from the same user from different IP addresses; multiple entries from the same computer in excess of that allowed by Contest rules; or the use of bots, macros, scripts, or other technical means for entering. Any attempt by an entrant to deliberately damage any website or undermine the legitimate operation of the Contest may be a violation of criminal and civil laws. Should such attempt be made, Real Team 360 reserves the right to seek damages to the fullest extent permitted by law.

10. Limitation of Liability: By entering, You agree to release and hold harmless Real Team 360 and its subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any liability, illness, injury, death, loss, litigation, claim, or damage that may occur, directly or indirectly, whether caused by negligence or not, from: (i) such entrant’s participation in the Contest and/or his/her acceptance, possession, use, or misuse of any prize or any portion thereof; (ii) technical failures of any kind, including but not limited to the malfunction of any computer, cable, network, hardware, or software, or other mechanical equipment; (iii) the unavailability or inaccessibility of any transmissions, telephone, or Internet service; (iv) unauthorized human intervention in any part of the entry process or the Promotion; (v) electronic or human error in the administration of the Promotion or the processing of entries.

11. Disputes: THIS Contest IS GOVERNED BY THE LAWS OF the US AND California WITHOUT RESPECT TO CONFLICT OF LAW DOCTRINES. As a condition of participating in this Contest, participant agrees that any and all disputes that cannot be resolved between the parties, and causes of action arising out of or connected with this Contest, shall be resolved individually, without resort to any form of class action, exclusively before a court located in California having jurisdiction. Further, in any such dispute, under no circumstances shall participant be permitted to obtain awards for, and hereby waives all rights to, punitive, incidental, or consequential damages, including reasonable attorney’s fees, other than participant’s actual out-of-pocket expenses (i.e. costs associated with entering this Contest). Participant further waives all rights to have damages multiplied or increased.

12. Privacy Policy: Information submitted with an entry is subject to the Privacy Policy stated on the Real Team 360 website. To read the Privacy Policy, [privacy policy URL] click here. Note: a privacy policy is optional, but may be required when running a promotion on the web when using third party platforms or when using features from social channels. Including this information makes it clear to your users how you are going to use their information.

13. Winners List: To obtain a copy of the Winner’s name or a copy of these Official Rules, mail your request along with a stamped, self-addressed envelope to: Real Team 360 1213 Vine Street, Paso Robles, CA. Requests must be received no later than 11/20/17.

14. Sponsor: The Sponsor of the Contest is Real Team 360, 1213 Vine St, Paso Robles, CA 93446.

15. Facebook: If you use Facebook to communicate or administer a contest or sweepstakes, include the following: The Contest hosted by Real Team 360 is in no way sponsored, endorsed, administered by, or associated with Facebook.

 

Displaying blog entries 1-10 of 153

Contact Information

Real Team 360
RE/MAX Parkside Real Estate - BRE #01421338
1213 Vine Street
Paso Robles CA 93446
Office: (805) 238-1555