Real Estate Today July/August 2016

940 WEST ANTHONY PLACESANTA MARIA805.922.5552

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Real EstateTodayA SUPPLEMENT OF LEE CENTRAL COAST NEWSPAPERS JULY/AUGUST 2016

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Finding a Lender .....................................................................................................................................Page 6Your Realtor’s Advice is Crucial............................................................................................................0Make the Most of a Showing.................................................................................................................Page 13

Featured Storiesin this Edition

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Anna Chang-YenG R E E N S H O OT M E D I A

The path to homeownership may be rough for single women, but it is more tenable for women today. Single women are buying homes at an increasing rate, according to new research.

When the National Association of Realtors released its Profile of Homebuyers and Sellers in 2012, it found that single women accounted for 23 percent of first-time buyers and 16 percent of repeat buyers. Fifteen per-cent of first-timers and 8 percent of repeat home-buyers were men.

With home prices unusually low right for the past few years, women who may have found home owner-ship out of reach in the past are taking another look.

No one knows why women are buying more homes than men, but Walter Molony, a spokesman for Real-tors, speculated that “it may be as simple as most guys don’t get serious about housing until they meet the right woman.”

Money Matters Women still earn 79 cents for every dollar a man

earns, making the obstacles to homeownership higher for women. To make matters worse, the American Association of University Women said in early 2016 that the pay gap has barely budged in a decade, and at the current rate, the gap won’t close for more than

100 years.Women should be cautious about their budget when

shopping, urges Bankrate, and it’s probably a good idea to shop below the amount of mortgage for which you qualify. Added to other housing expenses and household debt, a mortgage can be stifling for a single earner.

Some ways to cut costs include shopping around before deciding on a mortgage and asking the seller to

make any necessary repairs before closing.In 2011, the Social Science Research Network

released a study showing women, on average, pay more than men for mortgages because they tend to find their lenders by recommendation, while men shop around.

Women who are veterans should get information about Veterans Administration loans, which require low down payments and closing costs, and Federal Housing Administration loans can keep costs down for wom-en who are first-time buyers.

The Department of Housing and Urban Develop-ment helps low-income women to homeownership through its HOME Investment Partnerships program. This program provides grant funds to state and local governments to provide affordable housing.

A Worthy Investment Bankrate quotes Mariko Chang, a consultant study-

ing the wealth gap for women for the Insight Center for Community Economic Development in Oakland, Calif., who said single women are more likely to work at jobs with lower retirement and other benefits. Housing is expected to be a good investment over the long run, she said, making it attractive.

Housing prices have nearly recovered from the highs of the mid- to late 2000s, when the Great Recession began, according to the Economist, so a home is still a good financial choice for many people.

More women buying homes

© FOTOLIA

Despite the challenges they face, many women — particularly single women — are buying homes today, surpassing single men in their share of the market.

Paul Rodriguez, Real Estate Consultantbre# 01416809d: 805.310.5115 | c: 805.478.5504paul@paulrodriguezhomes.comwww.PaulRodriguezHomes.comContact Me to Start Using My Free Home SearchApp!

Condo Clean and Move-In Ready,1 bedroom 1 bath, finished garage pooland much more.Listed at $169,900

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4 bedroom 2 bath new flooring in adesirable neighborhood.Listed at $425,000

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Prices effective date of publication, subject to prior sale and availability. Square footage is approximate. Models do not reflect racial preference.*Please see sales consultant for program details. Williams Homes, Inc. is a California Broker, License no. 01449126.

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ANNA CHANG-YENGreen Shoot Media

the housing market continues to peek further out of the lows of the Great recession, but investors and bar-gain hunters who know where to look can still find deals.

Forbes analyzed markets across the country for its list of Best Buy Cities for 2016. it found 20 metro areas it believes to be on the cusp of a housing boom, with Grand rapids, Mich., at the top.

Grand rapids’ diverse economy and growing labor markets propelled it to the top of the list, according to Forbes. employment expanded by 3.9 percent in the year leading up to november, Bureau of Labor Statistics numbers showed — the highest rate among the 100 metro areas Forbes studied.

Florida notched up 7 cities on the list, including no. 2 orlando. Forbes’ experts reasoned that Florida’s popu-larity with vacationers and retiring seniors made it particularly vulnerable to the market downturn of the mid-2000s, an event from which it is proving slow to recover.

texas, where energy investment has kept real estate markets out of the gutter, also landed three cities on the list: San antonio, dallas and austin.

Keep an eye on jobs So how can you spot a market poised

to boom? Forbes looked for job markets and populations that were growing, where depressed housing prices could have the fuel they need to catch fire.

Plenty of markets have shown strong recoveries in the past few years, and there’s no shortage of professional opinions about how and when recovery will happen. But it may be wise to follow the jobs.

in october 2015, the national associa-tion of home Builders said the current recovery “is all about jobs.”

“if people can get good jobs that pay decent incomes, the housing market will continue to move forward,” said nahB Chief economist david Crowe.

he pointed out that nationwide, labor markets are better than they were in 2008 — 142 million vs. the 2008 peak of 138 million.

Fields to watch Service jobs, in particular, are fueling

growth, nahB said.in 2014, the Bureau of Labor Statistics

marked health aides, nurses, food service workers and retail workers as the jobs favored for the most growth by 2024.

While the idea of keeping tabs on

the intricacies of labor markets in your desired markets may not sound like your idea of fun, one thing is for sure: the best

way to find a bargain is by doing your homework. and of course, a little luck never hurts.

How to spot a deal

© FOTOLIA

Looking to make a buy in a housing market poised for progress? Forbes lists 20 metro areas where you might find an investment opportunity in the coming year.

Keller Williams Coastal ValleySue Lixey, RealtorBRE# 01082974(805) [email protected]

320 Brian Street, Santa Maria- First time homebuyer 3 bedroom 2 bath with oversized 400 sq ftsunroom. $305,000. Call Sue to view 478-5728

1424 Marsala Avenue, Santa Maria- 4 bedroom/3 bath. Updated home, 2,354 sq ft. $439,900. CallSue to view 478-5728

sold

4379 California Blvd, Orcutt- 4 bedroom 3bath home with 3 car garage. $564,000

sold

4117 Bridgeport Road, Orcutt- Orcutt home bedroom2.5 baths, Newer roof, furnace, windows, updated kitchen Privatepark and walking trail. $365,000. Call Sue to view 478-5728

343 S. Western Ave., Santa Maria- 4 bedroom 3 bathhome with approx. 1,618 sq ft, newer roof, freshlypainted interior $299,000. Call Sue to view 478-5728

sold

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691 Blake, Orcutt- 4 bedroom 2 bath home on corner lot with RVparking, Newer furnace, living room with fireplace insert, bedroomswith wood floors, large lot. $340,000. Call Sue to view 478-5728

sAlE P

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Sue Lixey, RealtorBRE# 01082974(805) [email protected]

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Over 25 Years ExperienceCall Sue at (805) 478-5728

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NEW HOME IN PISMO BEACH! Beautiful single story perched on hilltop offeringexceptional private & unencumbered views. 3 bedrooms, 2.5 baths, approx. 2,150 sqft, office/den bonus room, upgraded flooring & finishes, deck access from Master &great room, enjoy seascape framed by mountains surrounding Pismo Beach & so muchmore! $990,000. Call Rebecca Larsen at 268-2551.

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MOVE IN READY IN ORCUTT BLUFFS! Super nice2 bedrooms, 2 baths, single story, 1 car garage,has new kitchen cabinets & counters, new top ofthe line appliances, new tile flooring & carpet, newLED lighting, refrigerator, washer & dryer included.HOA includes pool. $239,000. Call Louie Real at478-9328.

PARKLAND COTTAGES! Super nice & spacious 2bedroom, 2.5 bath, approx. 1,445 sq ft features manybuilder upgrades including high quality faux wood flooring,wood shutters throughout, kitchen has granite counters,stainless steel appliances, plenty of storage & walk inpantry, indoor laundry room & so much more! $339,900.Call Steve Wisz at 720-0604.

COUNTRY STYLE LIVING IN NIPOMO! 3 bedroom, 2.5bath, approx. 1,602 sq ft, features granite & tile floorsin kitchen, gorgeous fireplace in living room; master hasvaulted ceilings, balcony & jetted tub; oversize stampedconcrete driveway, large workshop in the back & more!$453,000. Call Steve Wisz at 720-0604.

ELEGANT & REFINED UPGRADES IN NIPOMO! 4 bedroom2.5 bath, approx 1,722 sq ft, single story home offersskylights & vaulted ceilings, designer selected interior paint& custom window treatments, granite & stainless steelappliances in kitchen, newly landscaped backyard with 2patio areas & one elevated for panoramic view of Nipomofoothills. $458,900. Call Rebecca Larsen at 268-3551.

OPPORTUNITY KNOCKS IN ORCUTT! 3 bedroom, 2bath, open kitchen with breakfast bar, attractive slatetile fireplace, updated lighting, bathrooms with tile,dual pane windows, no acoustic ceilings, enclosedpatio room, large lot backs up to open space for addedprivacy. Near award winning Pine Grove Elementary &shopping. $355,000. Call Era Polly at 878-2490.

WELCOME TO ORCUTT! Well maintained 4bedroom, 3 bath, approx. 2,400 sq f home haslarge kitchen with newer appliances, newerdual pane windows, newer roof, hardwoodfloors, huge backyard, plenty of RV parking& more! Offered at $469,000. Call Steve orMelissa Wisz at 720-0604.

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CASA GRANDEMOBILE ESTATES! Well maintained2 bedrooms, 2 baths, approx. 1,440 sq ft, featuresnice spacious kitchen & living room, lovely porcharea with nice small yard & fenced area for yourfurry friend. Storage shed included. Located inage restricted park. $73,000. Call Louie Real at478-9328.

MOVE IN READY IN SANTA MARIA! Remodeled 3bedroom plus bonus room approx. 1,500 sq ft hasgood size living room with fireplace, new kitchen &appliances, new bathrooms, smooth textured walls,new interior & exterior paint, new wood laminatefloors, nice outdoor BBQ pit. OFFICE EXCLUSIVE!$343,000. Call Louie Real at 478-9328.

EASY LIVING IN ORCUTT! Super nice 3 bedroom,2.5 bath, approx. 1,370 sq ft private end unit, livingroom has fireplace, spacious kitchen, nice tile floors,balcony off master, private fenced yard, indoorlaundry room & 2 car attached garage, features topof the line water softener & easy access to HWY135. $278,000. Call Era Polly at 878-2490.

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ANNA CHANG-YENG R E E N S H O OT M E D I A

The pressure that comes with bor-rowing tens or hundreds of thousands of dollars makes many potential home-owners understandably nervous.

On top of that prospect, it can be hard to know who to trust with the largest, most sensitive financial transaction to which you may ever be party.

You probably should settle on a lender before you ever go house shopping, so you can get pre-qualified and know your true price range. So where should you start with making such a large and important decision?

Personal recommendations Word of mouth is a good bet. If

you have friends or family members who have “a guy for that,” take their recommendation. It’s probably a good idea to trust those who are trusted by people you know and love. If you’re not lucky enough to come by a finan-cial professional through the grape-vine, there are other resources to help you find a good fit.

Your agent Your agent or broker may give you a

reference or two for mortgage lending. The agent’s reputation is on the line when it makes such recommendations, so this is probably a best bet. If multiple lenders are recommended, ask for more details. Is there a lender or broker who specializes in borrowers with credit challenges, or those buying commercial property? Does the agent have a per-sonal favorite?

Your credit union If your employer has a credit union

and you haven’t joined yet, now is defi-nitely the time. If you’re already a credit union member, visit with a loan officer to see how their rates stack up. Credit unions often offer attractive rates to members and may offer rate discounts if you have multiple loans, such as auto loans or credit card accounts.

Do your homework You should interview at least two to

three mortgage lenders before making a decision. Good, old-fashioned phone calls can help in your search. Call your local banks and ask questions about their loan programs. Read reviews on

websites such as Angieslist.com and Lendingtree.com. Pay close attention to information about the lender’s ability to get loans closed (not just offer attrac-tive rates) and how responsive lenders are to their customers’ needs. When you run into troubles in the lending process, you want to be able to get in touch with someone quickly to get the

problem resolved.Often loans are bought from mortgage

companies by loan servicers, so you may make your mortgage payment to a com-pany other than the one that provided the loan. Ask if the lender also will service your loan, and if so, do equal research about whether or not the bank’s current customers are happy with their service.

Finding a lender

© FOTOLIA

Doing your research is critical when choosing a lender. You should call and read online reviews of at least two to three lenders before making a decision.

1920 S. McClelland #2- Immaculate2 bedroom, 1.5 bath townhouse withnewer flooring-counter tops-interiorpaint-inside-ceiling fans-fireplace.Located in a Gated Community withswimming pool and sauna. This won’tlast long so call today to view this nicetownhouse. Priced at $199,900!!

435 Shirley Lane l Orcutt- Close to Orcutt Schoolsand shopping. This cute little three bedroom-twobath home has been updated from interior paint-tile flooring in kitchen-hallway and carpet in livingroom and bedrooms. Kitchen has newer cabinetswith built in wine case. Both bathrooms have beenremodeled. Recessed lighting in living room andkitchen. Exterior has newer paint and stucco. Twovery large patios and dog run. And plenty of roomto park that boat or RV or both. Won’t last long!

1290 Via Del Carmel l Orcutt- Single Story 4 Bedroom,2 Bath Home! This house is move in ready andsits on a large corner lot. Updated kitchen,New dishwasher and stove updated MasterBathroom, Newer roof, Dual pane windows andnewer main sewer line to the street. Spaciousback yard includes BBQ area, storage shed,large RV parking area and a great producingOrange tree, also a sunroom. This home is in agreat location and close to Orcutt Schools,andshopping!

SALE PENDING

SOLD

SOLD

Jeannie Bassett-Lambert, RealtorBRE#01360443(805) 714-6444

[email protected]

Jeannie Bassett-Lambert has been a licensed Realtor for the past16 years. Jeannie started her career with Century 21. She was a mul-tiple award winner during her time with Century 21. Jeannie joinedKeller Williams Realty Coastal Valley in December 2014 to broadenher real estate opportunities. Prior to working for Century 21 RealEstate Jeannie worked in new home sales with Pro-Built Homes andInland Pacific Builders in Santa Maria as a sales agent.Jeannie has been trained by some of the best professionals in the

region. Jeannie works to please both her buyers and sellers in everytransaction from the first initial contact all the way through past clos-ing. Jeannie goes the extra mile in everything she does.

Jeannie has worked through both up and down markets, ShortSales and Foreclosures. Jeannie focuses her work in the Santa Mariaand Orcutt area working with buyers and sellers.Jeannie is a NATIVE of Santa Maria/Orcutt and knows the Central

Coast area well.Jeannie is very devoted to her family, husband,

2 daughters and 4 grandchildren. You will some-times find her with a grandchild in hand workingalongside her.There are 5 words describing Jeannie and that

is GENUINE, COMMITTED, PASSINATE, LOYALAND FUN!!!

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Life keeps you busy...

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ANNA CHANG-YENGREEN SHOOT MEDIA

More house: It can mean different things to different people. Maybe you’ve had your eye out for a deal on a chic condo downtown or are hunting for an original craftsman in the historic dis-trict. Maybe your family is growing and you simply need more space.

No matter what type of house you’re after, there are strategies that can help you stretch your housing dollars to afford size or upgrades you may have thought were out of reach.

Get your hands dirty A home that needs remodeling is likely

to come with a lower asking price, so you may be able to afford a bigger home or one in a better location if you’re thrifty with the repairs. Shave off dollars here and there by doing some of the work yourself. Some skills, such as painting or tiling a floor, make for easy weekend projects that will save you loads in labor. For example, the cost of tiling a bath-room could be in the thousands if you hire a pro, but you can learn these skills yourself from online how-to videos or tutorials on big box home improvement store websites and easily do it yourself for a few hundred dollars in materials and supplies. The same goes for lay-ing wood floors or a paver patio. Just remember to leave more complex jobs, such as electrical and plumbing, to the pros to avoid making potentially expen-sive — or dangerous — mistakes.

Deal in cash Everyone knows cash is king, and a

seller who’d rather have cash in his hand than wait a month or more for a buyer’s mortgage to be approved may be willing to negotiate a lower price for the privi-lege. This strategy will take some long-term planning, but if you’re patient and disciplined about socking away money, you probably will score a deal on a home with space for the home office you’ve always wanted or a large backyard for the vegetable garden of your dreams.

Avoid PMI Private mortgage insurance — required

on all loans for which the buyer makes a down payment of less than 20 percent — can zap your home budget. Although rates for PMI were reduced in early 2015 to about .85 percent of the remaining balance on the mortgage each year, you can avoid it altogether by making a down payment of at least 20 percent. If your budget for a new home is $200,000, PMI would cost about $142 per month.

Eliminating it by putting down 20 per-cent will allow you to put that $142 to work buying more house — an additional $35,000 in purchase price — for the same monthly payment. That’s not an insignificant amount of money when it comes to affording the size, location or upgrades you want. Once again, having cash in hand can help you do more with your housing budget.

Consider all your expenses Your monthly housing expenses are

made up not only of your mortgage pay-ments including principal, interest and PMI, but also of property tax payments, homeowner’s association dues and homeowner’s insurance. Cutting some of these monthly costs can leave more room in your monthly payment for a higher purchase price.

For example, if you don’t have children

or your children have left the nest, consider how much you might be able to save by choosing a home in a dif-ferent school district than your target market. Parents often are willing to pay a premium for homes in a great school district, which can inflate prices inside a highly coveted district’s boundaries. If you don’t have to think about schools, your monthly housing dollars can prob-ably buy “more house” in neighboring areas with lower listing prices.

Similarly, consider the cost of home-owner’s association dues. Depending on the services the association provides to homeowners, monthly dues for condos and townhouses can get into the hun-dreds of dollars. If you’re willing to do your own yard work or snow removal, look for a community with lower asso-ciation fees, which may only cover insur-ance for common areas and shared roofs.

Property taxes are another area where your monthly payment can take a hit. In some areas of the country, you can pay as much as 4 percent of the home’s value in property taxes each year. If you’re happy with what you get in return — maybe great roads, schools that don’t disap-point and a wealth of public parks and open space — you might be willing to pay the price. But if you’d rather trade in those perks for space, search nearby areas for a property tax deal.

For example, a property tax bill in the Chicago area can run $8,000 on a $200,000 home. Just an hour’s drive away in southern Wisconsin, $200,000 can buy a larger home or one with more land, and the property tax bill could be only about $3,000. That’s $416 a month in savings for more house — a win-win that leaves more of your hard-earned dollars in your pocket.

Maximize your housing dollars

© FOTOLIA

If you dream big when it comes to buying a home, consider strategies that can help you afford more house.

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LOMPOC $399,9992 master suites, a family room w/ formaldiningarea,kitchenthatopenstospaciousliving roomw/astunningfireplace. Largermaster features soaking tub, stand upshower, walk-in closet, his and hers sinksand sliding glass door that leads to patioarea in back yard.Backyard w/ fruit trees,lovelyconcreteworkandpergola.

KATY COPE 805.735.3481

VANDENBERGVLG $302,900This orig. 3 BR, 2 BA condo sits on the11th green of the 18 hole golf course oftheVV Country Club. Lrg living roomw/great south facing views. Bank ofAmerica employees, householdmembers or business partnersprohibited frompurchasing.

PAMELA GRANT & JESSE CROWDER805-735-3481

LOMPOC $519,000Custom built home features 3 lrg BR,2.5 BA & en-suite master. North facingviews are abundant throughout thehome. All appliances included in sale.Laundry space offkitchenw/ front loadwasher and dryer leads to xtra wide 2car garage.

PAMELA GRANT & JESSE CROWDER805-735-3481

SANTAMARIA $849,000Exceptional single level OrcuttKimberly Estates home on .92 acres w/tennis court & 800 sq ft separate hometheater room. Formal living room w/views. Quartz counter tops & customcabinets. Dining room leads to gameroomw/ wet bar!

JULIEWALKER 805.614.7811

SANTAMARIA $840,000CustomSpanish style homeon1acre inWestrail Estates in West Orcutt. Greatvaulted ceilings throughout the 3 BRhome. Updated kitchen w/ Jenn-Airappliances, lrg dining area,naturalbirch cabinetry & granite island. Familyroom w/ full bar & fireplace shared w/the living room area.JULIEWALKER & JEAN STUDER805.614.7811

ARROYOGRANDE $969,000This home above the Monarch DunesGolf Course has great views. Flexiblefloorplan w/ 3 BR ,3 full BA’s & 3-cargarage. Stainless steel appliances,granite slab counters .Great room w/media center and fireplace. His & herclosets, custom tub & spa shower inmaster suite. Slate patio & 2 fountains.MOLLYMURPHY & JANEMURPHY805.489.2229

SANTAMARIA $250,000Modular located in Quail MeadowsWest-an all age gated community indesirable Orcutt area where you ownthe land! This 3 BR/2 BA has beenfreshly painted inside and out. Newerroof & furnace w/ lrg SW facing backyard.JULIEWALKER 805.614.7811

SANTAMARIA $409,500Investors Dream! 3 units fully rented.1 unit 2/1, 2 units 1/1. 2 units havelong time tenants. Close to parks,schools, and shopping.

JULIEWALKER 805.614.7811

LOMPOC OFFICE

805.735.3481SOUTH COUNTY OFFICE

805.489.2229SHELL BEACH OFFICE

805.779.7800SAN LUIS OBISPO OFFICE

805.782.6000

ORCUTT OFFICE145 South Gray Street, Ste. 201

Old Orcutt, CA 93455805.614.7811

ORCUTT OFFICE805.614.7811

SOUTH COUNTY OFFICE805.489.2229

SHELL BEACH OFFICE805.779.7800

SAN LUIS OBISPO OFFICE805.782.6000

LOMPOC OFFICE531 North “H” StreetLompoc, CA 93436805.735.3481

JimBowen

ToniOstiniOFFICE MANAGER

Visit our NEW Branch locationin the heart of Old Town Orcutt…

MarthaBeckmanASSOCIATE MANAGER

JeanStuder

DillonStach

JulieWalker

LincolnWhite

KathyMansell

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When it comes to selling a home, we’ve all been told things by our agent that we don’t want to hear. “You need to repaint the walls.” “That offer you thought was low was actually fair.” “Your house is overpriced.”

In the interest of getting your home sold and the profit in your hands, you may have to make decisions with which you’re not entirely happy. These are times when a good agent will tell you the uncomfortable truth.

Change Your Home’s Look If your home is wallpapered from

stem to stern, you might find it hard to find a buyer who shares your particular

tastes. When your agent advises remov-ing the wallpaper and painting the walls a neutral color, it may sound like an expensive, unnecessary expense. But the truth is that even costly changes can pay off bigtime in helping buyers look at your home as a blank slate — and get-ting your profit in your bank account.

The same goes for changes such as removing outdated paneling, and installing more lighting or cleaning the windows to brighten up the space.

Though you may hesitate at spend-ing the money, your agent knows what buyers want and is thinking of your bottom line.

Reconsider an Offer At the end of the day, it’s your deci-

sion whether to take an offer or say,

“no, thanks,” but it’s wise to consider your Realtor’s advice. If the offer is in line with the sale price of other simi-lar homes in your area, ask yourself if you’re passing on a good thing. Of course an unscrupulous agent’s fond-ness for a particular offer could be motivated by the promise of a commis-sion if the deal is closed soon, but are there other signs to suggest the offer has merit? Has your home languished on the market? Has the market in your area declined since you first listed the home? Have you received multiple “low” offers? Any of these situations could be a cue to re-evaluate an offer.

Reduce Your Listing Price No one wants to hear that their home

is overpriced. But a Realtor keeps her

finger on the pulse of the real estate market in your particular area, as well as the country at large, and her opinion on your listing price is important. If you’re shopping for a new agent after failing to get your home sold with another Realtor, take the opportunity to objectively evaluate her recommenda-tions on price.

Although it may take you time to come to terms with the idea of a smaller profit on your sale, you don’t want to be the last one to realize that sticker shock has been driving away potential buyers. As with reconsidering an offer, evaluate all the factors at play and ask yourself whether your reluctance to reduce your asking price is making the difference between waiting for offers and closing the deal.

Your realtor’s advice is crucial© FOTOLIA

You may not always like your Realtor’s advice, but his informed opinion can make a big difference in getting your home sold.

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Multiple listing services are powerful tools. These databases provide a wealth of information about homes listed for sale, making them a first stop of many buyers in their home search and a vital marketplace for sellers.

First conceived as a way to help brokers representing buyers and sellers connect, today a network of private MLS systems are accessible online by brokers and other real estate professionals.

A Large Marketplace MLSs primarily are marketplaces where

listing agents display their wares. Buyers and their agents can find photos, descrip-tions and specific information about properties for sale, including basics such as square footage, number of rooms and

room measurements; particulars of the home such as the type of heating system it uses and included appliances; location information, such as the municipality and other public districts in which the home is located; price information including previous listing and purchase prices; and specifics about financial considerations such as previous years’ property taxes and homeowner’s association dues. This breadth of information makes the MLS a buyer’s best friend when it comes to pin-pointing properties of interest.

Many MLS systems allow buyers’ agents to set up searches and notify buy-ers via email when a property meeting their requirements enters the market, or is sold or placed under contract. Real estate transactions can sometimes be fast-paced, so this feature gives buyers an edge by keeping them up-to-date on local inventory.

Valuation Because MLS systems offer compre-

hensive financial information, they assist buyers and sellers’ agents in determining whether or not a listing price is fair. This can help make the difference between winning or losing at the negotiating table.

MLSs also are frequently used by appraisers looking to assign a value to a home. Appraisers look at the sale prices of similar homes on the MLS in the area of the home they are appraising — also known as “comps” or “comparables” — in order to determine the home’s value in the current real estate market. This can be a benefit and a disadvantage to buyers and sellers. For example, a home may be worth more than the sale prices of similar homes on the MLS, but favorable private, new-construction or for-sale-by-owner trans-actions will not appear in the MLS, which could result in a low appraisal. Appraisers

can use listings other than those found on the MLS to arrive at their valuation, but these sales often must be brought to their attention.

Research MLS systems are a fantastic resource

for research. If you’re interested in what your home’s value on the market might be, contact a real estate agent who par-ticipates in the MLS and ask for a market analysis. You could soon be hanging a for-sale sign on your lawn.

If you’re wondering whether your dream home can fit within your budget, or you saw a for-sale sign and might be persuaded to buy if the home is in your preferred school district, speak to an agent about your interest in the market. The MLS offers this data and more, and an experienced agent can help you put it to use.

What is the Multiple Listing Service?

Bette Naugle®

Broker Associate805.705.7497

lic #0427203

4310 FoxenwoodCirCle - FoxenwoodGarden Villas IV. The finest and best builtluxury homes on the Central Coast. Don’tmiss this one! Two bedrooms and veryspacious den/study. Knotty Alder entrydoor with transom half-moon windowabove. Upon entry look out into theatrium through the vertical windows withtransomwindows above.Vaulted ceilings,

quality wood flooring in the dining room and living room, extensive 20 inch tile flooringin entry, kitchen, hallway, and laundry room. Viking kitchen appliances, upgraded KraftMaid cabinetry with crown moldings, raised panel interior doors, Emtek door hardware,Award series dual pane vinyl windows with Low E glass, cultured stone fireplace, tubularskylights, Ipex overhead plumbing and so much more! And seller has added additionalupgrades. Cozy sheltered patio, strikingly landscaped and looking out onto the expansivegreenbelt. Beautiful club house with kitchen and fireplace. Pool, spa, covered patio andlots of area for socializing and nicely landscaped.- $534,900

open House sunday 1-4pM

JOE“Paul” Garcia805•878•[email protected]

Realtor. lic. #00886743

2322 N. Johnson Dr., Santa Maria-Very nice 4BR. 2.5BA located by Preisker Park. This home has a

large great room with a fireplace, the kitchen features lots of counterspace and cabinetry. The 4th bdrm is a big plus as an extra bedroom

or office. $359,900

SOLD

Sandi Frazier805.406.4890

Lic #00611325

363 Wellington Dr., Santa Maria, CA 93455 - FoxenwoodEstates, single level home looking for new owners, built in 1983,approximately 1995 sq. ft. on a 10,000 sq. ft. lot that is fenced.Spacious Living room plus Family room with fireplace allows forfamily fun and entertaining, home is mostly original and will allowthe new owner to update and decorate as they please, a classichouse that can become awonderful home. Call today to preview!

BRE#01103806

Diane Adams805.570.9099

TWO Beautiful Homes on 1.2Acres inWestrail Estates in Orcutt!The turn-key main home offers anopen floor plan, wonderful upgrades& remodeling thru-out, 2730 sqft, 4 bedrooms, 4 baths, new tile

roof, new kitchen, new baths, new interior/exterior paint, and 4 car garage! Theimpressive 2nd home offers a master bedroom, 2 baths, large extra room whichcould be a 2nd bedroom, fireplace, beautiful kitchen, & many amenities! $995,000

SOLD!

Lovely condominium in pristineCollege Gardens near HancockCollege! 3 Bedrooms, 2 baths1775 sq ft, huge picture windowin living room looking out over themanicured gardens & pool. Newkitchen counters, new microwave,new sink & faucet, newer carpet, &more! $239,000

SaLePenD

ing!

Yolanda Perez(805) 748-7514

BRE#01741813

919 Alba Ct- Pacific Crest 2006built single story home. Offering4 BDRM 2 1/2 BATH with updatedflooring and attached 2 car garage.

2634 Ree St- Craftsman 3 bd/2bthhome. This property has upgradesgalore, birch hardwood floorsthroughout lower level, pecanwood stairwell and wood floors inbedrooms, porcelain tile in bathrooms,laundry and kitchen area. New faucetsand toilets, newer Bosch dishwasher,professionally painted inside,

landscaped backyard with gas grill connected to in-home gas line, masterbedroom has walk in closet with built in shelving. Inviting front porch area ina desirable neighborhood walking distance to shopping center and close to

freeways. Property sits on a corner lot on a quiet street withhardly any traffic.

1811 S. Broadway, Santa Maria110 S. Mary, Suite 6, Nipomowww.C21Home.com

Kalua KuhnleManager

BRE# 00874459REALTOR

®

Business: (805) 934-2105

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A less-than-stellar home inspection report can be daunting for both buyers and sellers, depending on their level of experience making home repairs and negotiating deals.

An experienced agent can help both buyers and sellers navigate this delicate situation and get to the closing table.

Buyers: How to Respond The first thing you should do is dis-

cuss with your agent whether or not the home’s asking price already reflects the needed repairs. The seller may have had an inspection before she listed the home and priced the home accordingly. Your agent can help you consider other com-parable home sales in the area to analyze whether it’s time to head back to the negotiating table.

In some cases, you may decide to absorb the costs of repairs on your own.

If the home is older, some repairs are to be expected. Older wiring and piping, for example, might be commonplace for historic homes in the area, and sell-ers might be less receptive to making repairs. In a booming market, being handy and willing to complete some repairs yourself may give you a competi-tive edge over other offers.

If you and your agent decide that the sellers must chip in for repairs, you might be tempted to lower your offer. This could work for smaller repairs, such as a new water heater. But there are other strategies that may be more attractive when the repair bills will be higher.

A seller who has emotional ties to his beloved home may be offended or other-wise put off by a low offer. If the sticker price is a sore spot, consider asking for a credit at closing. Since a credit at closing reduces the amount of money the buyer needs at closing, you’ll keep more cash in your pocket to make the repairs at the

seller’s expenses, and the seller may be appeased with a higher purchase price.

When determining the amount of the credit, it’s wise to get quotes from a few different service providers. You don’t want to guess at how much a new roof will cost and then be flabbergasted by the estimates you get later. At the same time, be careful not to base your request on the priciest quote. A seller who feels like his profit is being nickeled and dimed may jump ship.

The least attractive tactic may be to ask the sellers to complete the repairs themselves. This can backfire, as some sellers may be less motivated to think about quality of materials and workman-ship when they’re making repairs, since they won’t be the ones to enjoy the fruits of their labor. A credit at closing will allow you to decide whether the new water heater will be guaranteed to last for six years or 12, or whether the warranty on a roofer’s work will cover problems for 5 years or 25. If you must ask the seller

to make repairs, it is crucial to be sure you will have the right to sign off on the repairs before closing.

Sellers: How to Respond The best way to respond to a poor

inspection as a seller is to be prepared and armed with information. If you were a smart seller and had a pre-listing inspection, you probably believe you have priced the home according to the inspec-tor’s findings. This doesn’t preclude you from making small concessions in order to close the deal.

If the buyer’s inspector finds larger problems than your original inspec-tion turned up, you may need to rethink things. If your inspector failed to note a failing roof or needed electrical work, it’s time to do some research. Get estimates from a few different companies in order to know if a buyer’s demands are fair. You don’t want to lose out on profit because the buyer is making big demands for small repairs.

Dealing with a poor inspection© FOTOLIA

Don’t let repairs wreck your real estate deal. A bad inspection is a hurdle that can be overcome with the right information and an agent who knows how to negotiate.

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Anna Chang-TenG R E E N S H O OT M E D I A

A home showing is your chance to get a hands-on look at a home, so roll up your sleeves and do just that.

If you decide to make an offer, seri-ous issues with the home should be noted by a home inspector, but the showing is your time to do your own due diligence.

Bring a pen and notepad and take detailed notes, including your favorite aspects of the home, as well as any potential issues. You will likely see quite a few homes during your search, so keeping track of them in writ-ten form will help you make a well-informed decision later.

Before You Go Do some homework before the

showing. Read news articles about the area and research upcoming property tax increases or road development projects. Going into a showing with a good bit of information about the area will give you a full picture of the home and neighborhood.

What to Look For Water damage: Look for water

spots on walls or ceilings, including patches of new paint that may be cov-ering up evidence of leaks.

Structural integrity: Take a close look at the walls and foundation, not-ing any large cracks.

Storage space: Does the home have plenty of space to store your belong-ings? If not, you could end up paying for it later when you need to rent a self-storage unit.

Roof age: The listing should pro-vide information about the age of the roof, but it’s a good idea to double check. Are there missing shingles or obvious stains? Replacing a roof is costly, so you’ll definitely want to consider the condition of the roof when making an offer.

Repairs: Are there any items that obviously need repairs? Take detailed

notes so you can price these repairs and factor them into your offer. Likewise, if you know you’ll want to replace outdated tile or upgrade kitchen appliances, take note of the pertinent measurements for pricing.

Plumbing issues: Turn on taps to be sure there are no obvious plumb-ing problems, such as drips after the tap is turned off, a water heater that’s failing or slow-draining sinks. A home with issues such as these may not have received proper maintenance and pre-ventive care.

Electrical issues: As with plumb-ing, turn on electrical fixtures to be sure they are working properly and there are no issues that will require costly fixes.

The area: Visit the area a few times at different times of day. Drive by in the evening to get a sense of whether or not the area becomes crowded with vehicles or seems unsafe at night. Stop by nearby parks and talk with your potential new neighbors.

Drive it: When you leave the home, map a route to the nearest grocery store, bank, school and other com-munity services. This will give you a feel for what it would be like to live in the community.

Make the most of your showing

© FOTOLIA

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“The Top Independent Brokerage on the Central Coast”

WendyTeixeiraR E A L T O R ®CalBRE #01345995

( 805 ) 310 [email protected]

CALL ME FOR MY EXCLUSIVE10 POINT

MARKETING PLANGUARANTEED TO MAKEYOUR HOME SELL!

CALL 805-310-3505 • “Exactly who you need to get exactly what youwant.” •www.CALLwENdY.COM

Pending Sale

Beautiful vacant lot ready for a new home. $100,000

HomewithG

ranny

www.687Sandydale.comThis type of property is rare! The one story, four bedroomhome features an updated kitchen, great family roomand nicely sized bedrooms all on 1.25 acres. The attachedgranny unit has one bedroom, a kitchenette and ahuge walk in closet. $640,000

Development

Potential!

This 9+ acre parcel has possibilities and is currently residentiallyzoned! Other possible conditional uses include churches,schools, retirement centers.... Check with the county forpossible uses! Located at the west side of the bottom of theBradley Dip. Price is $1,000,000

,or

6Vacant Lots!

6 vacant lots available on Sunrise and Bradley Road. All lots mustbe purchased together. Call Wendy for additional information.

$150,000 per lot.

Homeon3+

acres

www.2101eaStbetteravia.comThis two story home features 4 bedrooms and the mastersuite and guest bedroom/bath are downstairs! Enjoy the inground pool, two stall barn and tack room along with anadditional large shop/barn with an additional two car garagearea and fenced pastures for horses. $775,000

erery the in

HistoricMerit

Award!

www.801Smcclelland.comStep back in time in the Historic Carriage District in this amazingly maintained home builtin 1929. Over 4,000 sq ft of original features, arched niches, hand forged wrought iron andhand painted tiles. One bedroom and bath are situated downstairs off the oversized livingroom with Douglas fir beams and railings. The formal dining room has arched glass doors,original hard wood flooring and original light fixtures. Enjoy two entertaining areas - onedownstairs and another upstairs complete with wet bar, dining area, fireplace and familyroom with a sweeping staircase entry. Upstairs you’ll find two master suites, one with itsown balcony and mezzanine overlooking the family room. $789,000

MorroEstate

s!

www.1240Sapphire.comHard to find 3 bedroom home features 2460+ sq ft of charming features and lots ofstorage. The welcoming floor plan includes a spacious formal dining and living room,along with a sun drenched office/bonus room off the family room with wood burningfireplace. Gourmet kitchen including granite slab counters, stainless steel appliancesand Center Island. Home upgrades include contemporary lighting, dual pane vinylwindows, wood flooring, and newly renovated bathrooms with granite counters.This inviting home also offers drought resistant landscaping with automatic dripirrigation, natural stone patio, planter walls and accent boulders. $478,400

Pending

www.264wilSon.com

4 bedroom, one story home is located within a gated communitywalking distance to Old Orcutt, is nicely remodeled and move inready with RV possibility and two driveways... Price is $395,000

MountainRe

treat!

www.2890tepuSquetrd.comTucked away in Tepusquet you’ll find a move in ready 4 bedroom, 4 1/2 home situatedon over 7 oak dotted acres with stunning hillside views from almost every window.The kitchen offers gorgeous granite, incredible storage and a generous working islandopen to the family room, dining room and spacious deck. With a beautiful cathedralceiling in the front living room and library, you’ll feel as though you’re at a mountainget-a-way. One bedroom and full bath is located downstairs and additional bedroomsare located upstairs --including two master suites. Enjoy sunny days floating in the inground pool or under the stars in the hot tub. With an attached two car garage anddetached shop, you can bring your hobbies with you. $789,000

y y e in

Pending

www.4575cameo.comEasy living in Foxenwoods Estates. This 4 bedroom, expanded home offers over3,000 sq ft of beauty on a small cul-de-sac. The kitchen offers newer granite,cabinets and appliances with ample storage. You’ll find a huge added on greatroom complete with wet bar off of the family room and a large inside laundryroom with added on private office/work area. Upstairs features an owner’ssuite with two closets, plenty of counter space and a private bath/shower area.Great out door atmosphere with covered patio, built in BBQ, in ground pool andside yard- great for kids or pets! RV area, too! $629,000

www.5866oakhill.comExceptional 5,000 square foot Colonial home in the distinctive gated community ofOakhill Estates. Home features 5 bedrooms, 6 baths, and a 3 car garage all on a littleover one acre of beautifully manicured grounds! $1,250,000

OakhillBeauty

!

TT

Cobblestone

Creek!

www.1561canyoncreek.comExceptional 4 bedroom home features all the upgrades dreamed of by thefussiest buyer! The open, flowing floor plan features a large gourmet kitchenwith a working island, granite counter tops, beautiful appliances as well asample storage. The owner’s suite offers all the amenities on your wish listwalkin closet, dual sinks, and a separate garden tub and shower. Tranquil colors andnatural lighting create a perfect setting for entertaining! $485,000

www.4701appalooSatrail.comThis Westrails home features 4 spacious BRs, 3 BAs, a guest quarters area with separate(downstairs) entrance. There is a large family room, game room, formal dining room, and thegourmet kitchen is complete with island and granite counters… and that’s just downstairs!Upstairs the master suite offers a dumb-waiter, cedar-lined closets, fireplace, remodeled bath& enclosed sun room. All this and so much more on the one acre lot, a 3-car garage, a gardenarea, horse corral and tack room. $875,000

SpanishStyleSp

lendor!

BB

Pending

www.2618calderon.comThis 4 bedroom, 4 bath, one story home offers manufactured hardwoodflooring, plantation shutters and beautiful features throughout. Enjoythe gourmet kitchen, complete with granite counters, island, stainlesssteel appliances and large pantry. The master suite offers a large walkin closet with custom features, separate garden tub, large glass doorshower and dual sinks. $475,000

Real Estate Today July/August 2016

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Transcript of Real Estate Today July/August 2016