One of the big struggles we have with buyers is getting their wages UP to correspond with the increased home prices. This is a national chart but it is NOT that much different for our Bay Area counties.
If you are a serious “fence-sitter” remember the longer you wait the LOWER your “purchasing power”. The chart below shows just how much you will lose. Rates today are at or near the 3.75% and as you can see a $400,000 Loan is at $1,852. Most economists agree that the rates will rise this year and into the next with 4.75% NOT an unrealistic number. Look at how much “purchasing power” you lose. Now factor in the market appreciating say at 5% for this year and you lose big time. ACT NOW! We have the answers on HOW to buy, get through the mortgage maze and leap the hurdle of homeownership.
This is THE alternative to the bee-killer “Roundup” spray. PLEASE do not use Roundup. It is death to our pollinators the honey-bees and other beneficial bees and insects. If you have a weed in your drive-way, bend over and pick it out! OR use this potent mix and spray just LIKE the dreaded “Round-Up”!
“The new mortgage disclosure forms coming in August will help consumers comparison shop for mortgages and avoid surprises at the closing table. We are releasing this toolkit well in advance of the effective date to help the mortgage industry come into compliance with the new rules,” said CFPB Director Richard Cordray.
The toolkit, which can be found here, provides a step-by-step guide to help consumers understand the nature and costs of real estate settlement services, define what affordable means to them and find their best mortgage.
It also features interactive worksheets and checklists, conversation starters for discussions between consumers and lenders, and research tips to help consumers seek out and find important information.
Tune in to The Real Estate Hour, Sunday mornings from 9-10AM 1350AM, 103.5FM and streaming live at www.KSRO.com for more information on this new “Know Before You Owe” mortgage rule in the months leading up to it’s implementation in August 2015.
Easter Sunday, Easter Egg Hunts
Did you think your kiddos missed all the Easter egg hunts in Sonoma County this year? …or, maybe they just didn’t get enough? Have no fear. Here’s a list of family Easter fun and events taking place ON Easter!
(Courtesy of the Press Democrat)
Easter Egg Hunt at Sugarloaf Ridge State Park: Kids 3 and older can visit with the Easter Bunny and hunt for eggs in a meadow from 11 a.m. to 2 p.m. Sunday. There are three times: 11 a.m. for kids 3-5 (free), 11:30 a.m. for kids 6-9 ($5) and noon for kids 10 and up ($8). Meet in the campground’s Lower Meadow for the hunts. A barbecue lunch will be available for $10 a plate starting at 11:30 a.m.. 2605 Adobe Canyon Road, Kenwood. Reservations required: 833-6084.
Easter at The Fairmont Sonoma Mission Inn: Back by popular demand, Monsieur “Easter Bunny” will host a traditional Easter Egg hunt at 1:30 a.m. Sunday. Meanwhile, the family can enjoy a Sunday buffet from 10 a.m. to 2 p.m. Cost is $99 adults, $49 children 5-12, free for kids 4 and under. 100 Boyes Boulevard, Sonoma. 939-2415.
Hunt for the Hare at Safari West: Kids of all ages can enjoy brunch on Sunday, followed by an egg hunt and a cross-country “Hunt for the Hare” on the African savannah of Safari West. Choose from the 10 a.m. or 1:30 p.m. start time. Cost is $68 for adults, $35 for kids 4-12. Brunch only is $40.50 for adults, $18.50 for kids 4-12. 3115 Porter Creek Road, Santa Rosa. 579-2551.
Peep Fling and Peeps Diorama Competition, plus Egg Hunt: The Rio Nido Roadhouse will celebrate “Peeps Through the Years” with a Peeps Diorama contest and a Peep Fling Competition at noon Sunday. Catapults must be safe and of original design, with no electricity, gas, explosives or compressed air allowed. For the dioramas, Peeps are available at the Roadhouse one week in advance. Maximum size is 12 square inches, and the spending cap is $30. 14540 Canyon Two, Rio Nido. 869-0821.
Spring is here and the real estate market is all a flutter.
Whether you are thinking of selling, or just want to spruce up your home, Denise will give us some sound advice.
Denise Frye has combined her 25 years in Customer Service, Marketing & Sales with a lifelong passion and love for all things Home! She has created an innovative company geared to help Home Owners, Home Sellers and Real Estate Agents. Her talent, experience and training have come together to create, design and implement solutions tailored to stage your home to appeal to the majority of buyers. Denise has the amazing ability to educate and ease homeowners through the emotional & sometimes stressful process of preparing their home for sale.
Make Your House A Home is a locally owned family operated business. They serve their clients with the highest level of professionalism and unsurpassed Customer Service. They are in the business of First Impressions where their goal is to showcase your home to prospective buyers to get you top dollar in the shortest amount of time.
March 15, 2015 Santa Rosa, Ca.
Attorney, Roy Johnson joins Mike and Allison on The Real Estate Hour today to discuss the process (and the differences) of selling a house through probate or through a trust. The importance of having your home in a trust and what to do if YOU are handling the estate of a parent, whether in a trust or not. Call in with your questions during the show (9-10AM PDT) ;707-636-1350 or NoDumbQuestion@gmail.com
Roy Johnston, Attorney
Johnston Thomas Law Firm
Roy is an attorney in his 19th year of practice specializing in estate planning, trust administration, probate, and financial elder abuse. He also practices in business and real estate law.
He is an active volunteer attorney for the Council on Aging, and is active in the Sonoma County Section on Aging and Redwood Empire Estate Planning Council.
He is the past chair of the Trusts & Estates Section of the Sonoma County Bar Association. He is also a long-time member of the Trusts & Estates Section of the California Bar Association.
Roy received his Juris Doctorate from Empire College of Law, and his Bachelor of Science in Business Administration from the University of Wyoming.
When not working on their century-old home, Roy and his wife Barbara enjoy sailing on the San Francisco Bay, serving at church, and doting on their eight grandchildren, and one very spoiled Bichon Frisè.