1/10/2019

Sell Your House For Top Dollar

how your castle looks





Tips To Sell Your House

Get Top Dollar

DIY the work



Before you list with a Realtor.

Before you think about price this spring. 

It’s time to get your ducks in a row, or flying

into someone else’s clutter pile.
        

             Pick up used cardboard wine boxes or clean used boxes from Bevmo or local liquor store. These are less likely to have an odor or critters that vegetable boxes might carry. Initially you need 10 per room.       
           In my area Amvets and Saint Vincent De Paul picks up donations curbside or in front of your garage. You may also call Salvation Army, Goodwill, Vietnam Vets and Habitat for Humanity for pick up information. Call and schedule pick up for about ten days from today. Give yourself a weekend for the first load. 
          This is a process of loads.
   https://satruck.org/donate/choose  https://goodwill.org https://pickupplease.org/california/ donationtown.org/charity/veterans/        
            Make three piles of everything in each room: a) would die without b) might use it c) don’t know where the other part is/ it is too small/ has a hole I never fixed/ is worn/ is ugly. Take the C piles out to your garage or staging area. Place all the C piles into boxes labelled for pick up outside and let them go.     
How buyers see your house

            You may want to go through the time and effort to plan a garage sale; but expect to sell each of your items for less than a dollar. This is a good way to get rid of furniture and large items you are hanging on to in the garage.  Run a free add in Craigslist – no phone number, do not say you are moving. Run a free ad in whatever you might. Make 15 cardboard signs which have direction arrows and brief address. The purpose of the garage sale is to recycle items. Take any offers they give you. If you have the item ready to sell it’s better to get fifty cents than donate as our tax donations are now deeply limited. DO NOT allow anyone in your home. Do not tell them personal information.  Have twenty+  one dollar bills and a roll of quarters for change. Don’t take any bills over twenty dollars. Wear clothing with pockets and keep change on your body.               
           Okay now you removed a little bit of the clutter. Don’t put everything back yet.

        Get painting quotes to repaint the walls all one neutral color. I’m not saying Navaho White but a cream/ beige/ off white/ dove gray or such that blends with your flooring.

        Scrub inside of everything. You now have clothing and pots and pans in the middle of the room. Start the deep clean from inside out. Scrub behind the refrigerator. Use de-greaser on the stove and under the stove. You need a gallon of cheap white vinegar, a couple big boxes of baking soda, a gallon of no drip bleach, 40 rags half of which should be microfiber rags, two 5-gallon buckets, a squeegee, Mrs. Meyer's vegetable-protein-based Clean Day Countertop Spray or Siege Premium Kitchen Degreaser.  You might prefer a product that cuts through faster but make sure you have all the windows open and a fan running as old-fashioned oven cleaner gets the gunk off but is not good for your lungs. Every surface should be clean. Wait to do mirrors, windows and glass surfaces last. Vacuum twice. 

            Rent a carpet cleaner the big blue commercial one from Home Depot but plan this in advance it’s a whole day ordeal. Since you are renting by the hour get the house set up Before you rent. Move or stack furniture on the not carpeted areas. P the store brand.

Clean all areas once. Rinse the gross water out of the machine. It’s a good idea to set up some box fans to speed the drying process. The fumes from the wet carpet are not healthy. Imagine that brown water evaporating. Now time to rinse the carpet. Clean out the carpet cleaner get all the gunk out of it. Fill with very hot water and a cup of white vinegar. Clean all the carpet a second time as a rinse load. Allow to dry. Put old towels down on walk ways. Did it come clean enough or must be replaced?          


           Second purge. No not as gory as the movie series. The house is getting into shape. Return clothing you wear for work and important daily wears neatly into to closets and drawers. Shirts are folded in threes with the chest up. Hangers all face the same way. Think military creases.

           Okay now we have the B items. Put these in boxes. 
           
           Get the painter in or take on this job yourself. Paint is cheap but the most vital improvement you can invest to sell your house. Every man who came into my house frowned at the girly French country sentimental feeling (which I loved). Your wallpaper choice, your purple child’s room or sunny yellow kitchen triggers is a decision maker. Do I hate on this flocked gold wallpaper? Do I despise the boho chic lamps? This is where their mind goes. Strip and steam off the wallpaper. 

         Next is repairs. Make a list. You know where the rusty hose bib sits, the musty closet, the broken hinge waits; but, after a while it all becomes a project for later or character of the house. Time to get the ticker list and a handyman to order all the parts and spend a day repairing all the visible imperfections and things you put off fixing. If you are brave start watching YouTube videos on how to replace or rewind your garbage disposal. Even if you start and leave it to the handyman, you learned something. 

          Okay now you are going to sort the B items. Some will be mementos, photographs, holiday ornaments, religious items, and costume jewelry. Box those up for storage. Box up all your jewelry except what you will wear every day and medications for storage as well. Only keep the thirty-day supply of medication y below one percent a year, or something better you are getting your load light to move and maximizing price of your home. 

          Do you have a creative friend? The friend whose house looks perfect and they always have their outfit right. Invite them for dinner and free advice. He/she may tell you to discard some more items. Go put them in the garage. Surfaces of counters should have three items. What you say – what about my collections? The collections go into storage. My son had a collection of 400 match box cars dating from 1953 and many were stolen during open houses and heaven knows by whom during the last home sale I went through.  

          Power wash the exterior of the home. Power washing may reveal you need to paint the exterior. can you get away with only painting the front door? 

          Yard clean up, Trim back everything. Clean out dead branches. Open views and light to windows. Order a load of mulch (cheaper direct from yard by a truck than by the bag but dragging the bags is easier than a wheelbarrow -you decide) The mulch will come in a week or so after you finish the clean-up. Did your do g leave holes in the grass? Buy a bag of rye grass or suitable grass seed for your climate zone and lawn type and re-seed all the holes. Scratch the dirt surface, sprinkle seed, cover with a little dirt and mulch and keep it wet. Every new spot you will be patching up. Where  I live there are two wholesale plant supply depots. Find yours. Plan to plant one color to accent the exterior color of the home.

          I didn’t say you must repaint but how does it look? I can’t tell you the magic flower bed color, this depends on what is available, season and color of your exterior. Send me a photo of the front of your home, I’ll tell you the colors. Spruce up yourself. Go to a mortgage banker and have them run your credit and income to see what you can buy down or up. 
           Call me I do this for free and help you get that FICO higher to get the best rate.
           You have time. Let’s do this. 
           Call me (949) 784- 9699

          Next stage is another post. After you got the house all pretty how to search for the best Realtor, how to save money on closing, how to find your next home.

                       

1/03/2019

Mortgage Interest Rates Down Time to Refinance

Mortgage Interest Rates are Down
Overall lower from 2018
Let's save you money on your monthly payments

Call to find out how or apply on my website 24/7
(949) 784- 9699

Stock Market Volatility is a Wild Card

Get your information ready and save some money


MARKET NEWS
  • The Labor Department’s Job Openings and Labor Turnover Survey (JOLTS) showed a 1.7% increase in job openings in October, still near August’s record high. Job openings reached 7.079 million, hirings are also up 3.4% to a level of 5.893 million.
  • The National Federation of Independent Business (NFIB) small business optimism index declined 2.6 points to a level of 104.8, a seven-month low. No components increased, only two were unchanged, and eight declined. The drop in sentiment was driven by negative outlook on expectations of the economy to improve.
  • Mortgage activity reacted to the recent drop in mortgage rates again for the week ending 12/7. New purchase applications are up 3.0% and refinance applications are up 2.0% for a composite increase of 1.6%.
  • In November, the consumer price index was unchanged month-over-month and up 2.2% year-over-year. The softer reading may be due to falling gas prices. Excluding food and energy costs, the index was up 0.2% month-over-month and up the same 2.2% annual rate.
  • For the week ending 12/8, initial jobless claims fell 27,000 to a level of 206,000. Continuing claims increased to a level of 1.66 million, still near the lowest level since 1972.
  • Retail sales are up 0.2% month-over-month, driven by spending at e-commerce and traditional big-box retailers. Excluding gas and auto spending, retail sales are up 0.5% month-over-month.

C G Barbeau
NMLS #324982
CMG FINANCCIAL

California

12/31/2018

Hungarian Paprika Vegan Bean Recipe

Hungarian Paprika
A friend of mine brought this excellent Hungarian Paprika back from her trip. It is strong and woody and yummy.
 This vegan recipe is easy and fast

Mushrooms, red bell peppers, Maui onion rough chopped

Saute the mushrooms, onion, and bell peppers in olive oil

pot simmering

oh wait there's a glass of red wine on the counter, you may need a dash to sweeten the pot
Ingredients:

1 medium Maui sweet onion chopped coarse
1 Tablespoon good olive oil
4 large mushrooms sliced large
1 carrot grated thin
4 cloves garlic sliced very thin
1 red bell pepper sliced
1 medium tomato chopped coarse
can of pinto beans drained
teaspoon soy sauce
half teaspoon Great Hungarian paprika
half teaspoon fresh ground pepper
half teaspoon thyme
half cup vegetable stock if cooks down fast
1/2 teaspoon salt

Saute onions 2 minutes in the oil
add all the other vegetables and saute 2 minutes
add beans and spice
 simmer 5 minutes it may need more liquid to keep from
sticking, add vegetable stock slowly
taste- does it need salt? add 1/4 teaspoon at a time

Ready in 15 minutes including prep time four minutes
Turn off heat and cover let it meld
Serve with corn bread, garlic toast or what comforts your soul
Cook time 10 minutes, prep time 4, sip of wine 1


Small bowl ( 3/4  cup ) is 180 calories
Nutrition:  I know it is protein 10 grams protein and nutrient rich,
but add the vitamin C in the pepper and B-6 and Vitamin A
to the other vegetables and it's good
You can add more vegetable stock if you want it soup-y
author: Caroline Gerardo
Cuisine: Vegan
Easy to make



12/27/2018

Refinance



A mortgage refinance creates numerous opportunities for homeowners. Traditionally, homeowners choose to refinance to secure a lower interest rate or change the terms of the loan. There are other advantages to refinancing, as well, depending on your situation.
Are you ready for a mortgage refinance? Do you know someone else who might be? Review our personalized refinance checklist below and if you get a “yes” to one or more of these questions, it might be the right time:
  • Can you lower your interest rate? Mortgage interest rates can fluctuate based on the borrower’s financial profile and greater economic influencers.  Payment reduction is also vital to review your monthly budget
  • Has your credit score improved? If you’ve made your mortgage payments on time, lowered your debt-to-income ratio, and used other credit accounts responsibly, chances are your credit score has improved. A higher credit score can help you refinance into a better loan program with a lower interest rate or shorter loan terms.
  • Can you shorten your loan terms? You may have financed your original home purchase with a 30-year fixed-rate mortgage, but after a few years you find you might benefit from a 15-year fixed-rate mortgage. Shorter term mortgages tend to have lower interest rates, and a term refinance can help you take advantage of those lower rates.
  • Do you want to convert from adjustable-rate to fixed-rate or vice versa? The advantages of an adjustable-rate and fixed-rate mortgage vary from homeowner to homeowner. Whether your original mortgage was an adjustable-rate or a fixed-rate, the current interest rate environment may be better suited for the other type.
  • Do you want to tap into home equity? As home values continue to rise, many homeowners are considering withdrawing home equity to use for home improvements, to pay down debts, or to meet other financial goals. If your home has appreciated in value since its purchase, and you have at least 20% equity in your home, a cash-out refinance or refinance into a Home Equity Line of Credit may be a great option for you.

If you answered “yes” to one or more of the questions above, or you know someone that would, we should talk! Before pursuing a mortgage refinance, it is best to have me review the specific situation to determine whether or not it’s the right move. Let's make 2019 wonderful !  

C G
NMLS 324982