Five reasons to replace your windows:

Replacing your home’s windos can seem like a task that is not your top priority, but the benefits you can gain will make a huge difference.  Over time, windows need to be replaced, just like your appliances or roof shingles. Don’t wait until the weather gets cold, now is a good time to take a look at your windows and determine if they will need to be replaced.

1. Energy Efficiency
If you are starting to notice your energy bills are going up, you might want to take a look at your windows to see if they are the cause of the problem.  Window replacement is a common recommendation among construction professionals as a way to improve energy efficiency. According to a study on the energy performance of residential windows, new windows reduce annual heating and cooling costs by 22%.  Although new windows are an investment, they will save you money in the long run. Now is the time to swap out your old windows with double-pane, energy-efficient windows.

2. Window Defects
If you start to notice any defects in your windows, such as small cracks or chips, it is a good time to replace your windows.  Leaving a crack will only cause more damage in the future. Some problems include air leaks, water leaks, and letting in small insects. Visible cracks also weaken the strength of your window.  Having a crack or broken window can cause a lot of problems down the road. It is a good idea to replace them sooner rather than later to save money.

3. Security
Windows are an entry and exit point to your home so windows that aren't opening or locking correctly pose a security risk. Some signs that burglars might look for to identify vulnerable windows include old or wooden windows, windows with cracks, or condensation in windows.  You also don’t want small critters like bugs or chipmunks getting through window openings.  

4. Curb Appeal
Updating your windows might seem odd to increase your curb appeal, but instead of simply focusing on changing the outer appearance of your home, be sure to incorporate changes that add into your home’s structural integrity and energy efficiency. For instance, if your window frames have rotted then you’re ready for new windows.  They will not only improve the functionality of your home, but the appearance too. Installing new windows will increase the value of your home and make it more appealing.

5. Value
If you’re thinking of selling your home in a few years, replacing the windows can help your home stand out in a crowded market, plus raise its value before you list your home. Some buyers love buying homes that are not only move-in ready, but updated with modern amenities. New windows improve your home’s marketability and help you command a higher selling price. 

If you have old windows in your home or are planning on listing your home soon, now is the time to replace your windows. 

Weighing the Benefits of a Home Warranty

When

 you invest in a home, whether it is brand new or beautifully aged, you want to make sure it is protected. Homeowners insurance, which is required when you purchase a home, covers major occurrences like fire and crime. However, homeowners’ insurance will not cover specific parts of your home, like your plumbing or heating and cooling system. Instead, you can opt for a home warranty that will take care of specific appliances and equipment if they need to be repaired or replaced.  

On a basic level, one of the biggest perks of buying a home warranty is purchasing peace of mind. When you have a warranty, you are entered into a contract with a company that already has an established list of reputable service providers on hand, ready to assist you if you need them. This means that homeowners who are covered simply need to contact their warranty company. The company will send out a contractor to assess the issue and take care of the service request.

Another way that your home warranty can provide peace of mind is by simply knowing you have it – even if your home systems are operating perfectly. You just never know when your dishwasher might need to be repaired or you’ll have an unexpected plumbing issue. To know that you are covered against these costly and often unforeseen expenses can be reason enough to purchase a home warranty.

Of course, as with any warranty, there are fees involved with having a home warranty. Homeowners pay an annual premium that is often around a few hundred dollars. In addition, similar to the way a deductible works with home insurance, there is a minor fee when a homeowner places a service request. However, when you’re considering the cost of replacing one of your home’s major appliances or your HVAC system, the annual premium and service charges are rather minimal.

An important point to note about having a home warranty is that homeowners must exercise a bit of responsibility when it comes to the appliances and equipment that are covered. Many warranty contracts clearly state that home items must be properly maintained to qualify for coverage. If you follow the maintenance schedule for your major systems, this should be no problem. Homeowners who purchase older homes can run into difficulties proving the equipment they purchase within a home has been properly maintained. So, asking for service records and full disclosure when you buy an older home is especially important if you plan to purchase a home warranty.

When you are thinking about a home warranty, think about this: your home is likely the largest investment you’ll ever make. A home warranty is one way to provide certain protection on that investment. If you know you want to move forward with a home warranty, here are a few tips:

1. Do your research. There are a lot of home warranty companies and contracts out there. Find a reputable company with good reviews before entering into any agreement.

2. Read the fine print. Each home warranty contract is different and will cover different appliances and equipment in your home. Find out what might be excluded and check on required maintenance before agreeing to any coverage plan.

3. Consider the overall cost. There is no set price for a home warranty. Find out the exact cost of your annual premium and service fees before selecting and signing a warranty contract.

Once you find a warranty that fits your home’s needs, enjoy the peace of mind and protection you’re provided!

Prevent Cold Weather Falls On Your Property

Winter is coming which means an increased risk of ice on your property. While bad weather can be inevitable, decreasing fall risk at your home can help. Here are a few ways to just do that:

INDOOR TIPS
The first step to preventing your own falls start indoors. Preparing your entryways can help! Try placing skid-resistant door mats near entrances to dry your footwear. Make sure you check the bottoms of your feet each time you enter the home, and clean off the accumulated ice, snow or water. Keeping your floors as dry as possible is another great way to prepare your home.

OUTDOOR TIPS
To start, you will need adequate supplies of salt and sand. Clear your walkways and treat outdoor surfaces to prevent falls. Wooden porches, decks or steps can become especially slick in winter. Be sure to shovel and treat pathways with salt or sand immediately after storms. Prevent dangerous ice buildup by clearing sidewalks before snow is compacted by footsteps or melts and refreezes. Salt lowers the freezing point of water and can be spread on sidewalks or driveways to keep them from getting icy, or to help melt away ice that has already formed. Sand doesn’t melt ice but is applied to icy walkways to provide traction. If you don’t have sand on hand, other abrasive materials such as kitty litter, saw dust and wood ashes can be used to create traction on icy walkways. You will want to adjust downspouts to drive water away from pathways - it doesn’t take long for pooling water to become icy patches.

Building your dream patio...

Summer has arrived and the perfect outdoor space for you and your family can be just a few steps away. Creating a patio space that you will love is the perfect way to spend these early summer nights. When making choices about how to construct your backyard oasis, it is important to make considerations that can impact appearance, durability and functionality.

Before you start making design choices, try to envision what you want the end result to be. Take a chair out to the spot you are considering and try to start your design that way, with an idea of how you want the space to look when you are in it. Once you have your design, you will need to start to consider which materials would best bring that vision to a reality. Some of the material choices include concrete, bricks, pavers, stone, or tile.

Concrete

Many homeowners choose poured concrete because it is known to be structurally sound, relatively inexpensive, and can dyed to appear as higher-end paving materials. Concrete is a great choice if you live in a warm climate.

Bricks

Bricks offer the opportunity of a variety of color choices, but you should take into consideration that every brick must be set by hand, leveled and grouted. Keep in mind you’ll need to watch out for a slick surface after every rainfall if you extend your brick patio into shade.

Pavers

Pavers, typically made from cement, cinder or stone, are often used for DIY projects for their low price and super simple installation. If you’re planning to lay your own patio, consider the need for a suitable substrate to keep the pavers from shifting.

Stone

Stone may be a highly desirable look, but it shows in the price tag. Flat stones can give off a calm effect, while uniform-cut slabs of granite and other stone can make your patio a little more formal. Natural stone is extremely durable, but consider opting for the nonslip type, such as coral stone.

Tile

Tile has a wide variety of options, to include ceramic, glass, porcelain, terra cotta and natural stone. Tile can offer a cool surface under your feet in hot climates. Keep in mind that because tile is thin, it requires a concrete slab

Thinking of buying a home with room for a patio? Let's get in touch. 

Deciding To Buy A Fixer-Upper

If you are a fan of HGTV, you have probably seen your fair share of fixer-uppers. TV shows tend to make everything look easy, especially home flipping or updating. So how do you decide if a fixer upper is worth your time? Here are a few scenarios where diving in usually pays off.

1. The upgrades are simple.

First, you need to find out what types of issues are going to need updated and recognize your personal skills. If a home has foundation, electrical, or plumbing issues, chances are those aren’t easy fixes unless you are a contractor yourself. When it comes to cosmetic fixes, there is usually less of a safety risk so if you’re willing to do the work, those are the houses for you.

2. When the numbers pencil out.

You need to ask yourself if all the work you will put in is going to make the property worth as much or more after you’re finished. Sit down and run the numbers, and decide if you are willing and able to stick to a budget. If you’re handy and willing to put in the hours, your budget may be much smaller than what you would spend on a move-in ready home. 

3. You have the time and resources.

Sometimes when investing in a fixer-upper, there will be work that needs done where you may not be able to be in the house. Do you have a friend of family member close by where you can crash while the house is getting rewired, or the insulation is getting installed? If not, is there wiggle room in your budget for a night or two in a hotel when there’s a small emergency with the water pipes? It is important to recognize where you are in life and if you are mentally, physically, and fiscally able to invest in a fixer-upper.

Maria Zendejas & Team 805-465-2001

Finding The Right Home For You

If you’re a first time home buyer, the stress of choosing the perfect house for your family can feel overwhelming at first. While that stress may seem very real, it is often unnecessary. Instead of entering the market trying to find a house that is perfect in every way, keep an open mind. Approach the situation with a willingness to hear ideas and you are much more likely to find a home that you and your family will love. The process can be long and require work, but it will be worth it in the end - and it doesn’t have to drive you crazy. Here are some tips to guide you when you are trying to find potential new homes and how to know if it is the right one for you.

DECIDE ON DEAL BREAKERS

The easiest way to narrow down the right house for you is to start by deciding what you either can’t live without or cannot tolerate. If two bedrooms will never work for you, or you must have a large backyard for your pets, create a list of those things so that you can rule out properties that just aren’t worth your time. 

TRUST YOUR GUT

There may be times when you walk into a home and it seems like it may fit what you need, but there is just something off that you can’t shake. On that same note, if you tour a home and you instantly fall in love, don’t doubt your feelings. Sleeping on a house you love for too long can end up in you losing that home to someone else. Trust your instincts and you will end up in the home that is perfect for you.

TRY TO VISUALIZE

Can you see yourself in this home? Can you imagine your children playing in the backyard and doing homework in the kitchen? If you are touring a home and can already picture what it would be like for your family to live there, you are heading in the right direction.

KEEP LOCATION IN MIND

While a house may check most of your boxes, don’t forget to consider the neighborhood. Are things that are important to your family close by? Are you close enough to good schools or your place of employment? Make sure that you consider location factors so that you don’t end up in a home that becomes an inconvenience.

TRUST YOUR AGENT

While it is important to know what you want and trust your gut in the process, don’t forget that your agent has your best interest in mind. We want to find you the perfect home, and have worked hard to do that for many others before you. We know the ins and outs of the real estate world, and are here to help you. Let's meet, let's talk and let's find you a house to call home.

Maria Zendejas & Team 805 465-2001

WHAT TO PACK FOR THE FIRST NIGHT IN YOUR NEW HOME...

You just finished unloading the final box from the moving truck, and now you’re officially moved in to your new home! You go to take a shower to wash off the day, only to realize you don’t have a shower curtain. After spending a full day moving into a new home, the last thing you are going to want to do is dig through all of your unopened boxes to find an outfit or a charger (or even a shower curtain). The next time you’re moving, create a ‘first night box’ so that your essentials aren’t hidden at the bottom of another box. Here is a list of what you should pack:

1. Toiletries

You may have thought about keeping your tooth brush in an easy-to-find place when packing, but you’ll need more toiletry essentials to get through the first night or two. Be sure to pack toilet paper, towels, a shower curtain + rod, shower items, and a first aid kit. 

2. Clothes

Unless you are an extremely organized packer, finding an outfit for the next few days isn’t going to be easy if you have to dig through multiple boxes.  Pack 2-3 days worth of clothes and pajamas.

3. Electronics

Don't forget your chargers. Make sure you've got your phone, laptop, and any other charger you may need for your devices during the first few days at home. Pack any necessary cords and cables needed if you plan to unbox your television the first night  Be sure to pack a flashlight as well just in case!

4. Air Mattress/Bedding

If your bed hasn't made it to your new room yet, you will want to make sure you have an air mattress in your first night box. Check to ensure the air pump is packed as well! If your furniture is unloaded, you will sleep better if the bedding you love is easily accessible on that first night in your new home.  

5. Eating Utensils & Kitchen Items 

Avoid the mess of dirty dishes your first night home and pack disposable eating utensils.  You may also want to pack wipes to quickly clean up any messes made at mealtime and a garbage bag to be able to dispose of any waste quickly. Cleaning supplies typically aren't the first thing on our minds when moving into a new home, so be sure to pack these items so that you aren't scrambling to the store after a long day when you're ready to clean up after a meal. 

Home Updates To Make After A Decade

Have you lived in your current home for at least 10 years and are starting to wonder what needs replaced or updated? Even if you make maintenance a priority, some things in your home are going to need updated or replaced after they’ve been used for 10 years. Here are 8 updates to consider making in your home with each decade.

1. Hot Water Tank

Even if your tank isn’t leaking (or not working) quite yet, it is usually ready for replacement every 10 years. It is important to make note of how old your water heater is to prevent any major issues, so be sure to check the manufacturing date and consider replacement once it has worked for 10 years. 

2. Ceiling Fans

If you are someone who has the fans in your home running often, they will likely need replaced after cooling your home for a decade. If you notice lightbulbs are burning out frequently, it is time to consider replacing your fans. 

3. Carpet

The average carpet on the market today is expected to last 10 years. If you’ve got pets or a heavily trafficked home, you may want to consider replacing your carpets before you hit that 10-year mark. If you’ve got stains, tears, or hard-to-remove odors, it is probably time for an update.

4. Dishwasher

If your dishwasher has been around for 10 years, it is likely in need of replacement. The plus side of replacing your dishwasher now is that many on the market are extremely energy-efficient and will end up saving you money over time, making the initial investment to upgrade worth it. If your dishwasher has buttons that don’t work, cracks inside, or has trouble cleaning dishes as well as it used to, it is probably time to replace.

5. Washer & Dryer

If you have a working set after 10 years, you’re lucky. Many sets have a lifespan of around 8 years, so after a decade, it may be time to upgrade. 

6. Bathroom Caulking

This is the best DIY when it comes to updating your bathroom and protecting against leaks. Re-caulking the shower, tub, and sink is an easy task and gives your bathroom a new breath of life. 

7. Garbage Disposal

All blades dull over time, and with the average lifespan of a disposal at between 10-12 years, it may be a good idea to replace your disposal blade after a decade. 

8. Paint

While repainting after 10 years isn’t necessary, it can help give your home a fresh look. Most people don’t wait that long to repaint heavily trafficked rooms, so if it has been 10 years, it is probably time to add a new coat of paint.

What Is Escrow?

When it comes  mortgages are concerned, "escrow" and "escrow accounts" refer to two slightly different concepts. Escrow is the process by which a neutral third party mediates a real estate deal, holding money and property "in escrow" until the two sides agree that all the conditions are met for a sale to close. By contrast, an escrow account is usually an account that helps to manage a mortgage borrower's annual tax and insurance costs.

What Does Escrow Mean?

Escrow refers to a third-party service that's usually mandatory in a home purchase. When a buyer and seller initially arrive at a purchase agreement, they select a neutral third party to act as the escrow agent. The escrow agent collects what is known as "earnest money" from the buyer: a deposit that is equal to a small percentage of the sale price. In exchange, the seller takes the property off the market. Until the final exchange is completed, both the buyer's deposit and the seller's property are said to be in escrow.

Escrow "accounts" have more to do with your monthly mortgage payment than the initial home purchase. When you borrow money from a bank or a direct mortgage lender, you'll usually be given an escrow account. This account is where the lender will deposit the part of your monthly mortgage payment that covers taxes and insurance premiums. By collecting a fraction of those annual costs each month, the escrow account reduces the risk that you'll fall behind on your obligations to the government or your insurance provider.

How Do Escrow Accounts Work?

When you obtain a mortgage loan from a bank or direct lender, you also receive an escrow account that helps you pay your property taxes and homeowner's insurance premiums on time. Even though these costs are paid on an annual basis, your lender will require you to pay a monthly fraction towards each cost and accumulate the balance in your escrow account. This ensures that these expenses get paid on time every year.  Mortgage lenders require borrower escrow accounts in order to minimize the risk that you fall short of your financial obligations as a homeowner. In a foreclosure, unpaid taxes or insurance can result in liens that make it harder for the mortgage lender to recover the original loan. This creates a strong incentive for lenders to keep their borrowers on track with escrow accounts that smooth out the non-mortgage costs of owning a home.  Although escrow accounts conveniently allow lenders to pay the relevant taxes and insurance premiums on your behalf, they do have some drawbacks for the borrower. Lenders often require you to a keep a minimum balance in your escrow account to protect against any unexpected cost increases. The usual rule requires a minimum of two months' expenses on your mortgage escrow account, though the limit can be higher on riskier mortgages. Lenders usually review your escrow account once a year to make sure that the calculated payments are keeping up with costs.

How Much Do Escrow Fees Cost?

Just like any other service provider involved in a real estate deal, the escrow agent will need to be paid a fee. Escrow services for a home purchase typically cost 1% to 2% of the final price. Based on national median home values, this translates to a fee of $2,000 to $4,000, which is added into your other closing costs. However, escrow fees are one of the many expenses that are negotiable between the buyer and seller. This means that you can try asking the other party to foot part or even all of the escrow fee, depending on local rules or the current market conditions.  If you're buying, you'll also need to deposit between 1% to 3% of the final sale price in a joint escrow account with the intended seller. This earnest money serves as proof that you're serious about following through with the sale, and it obligates the seller to take the property off the market while the transaction gets finalized. When you complete the transaction, the earnest money you put into escrow will be applied towards your down payment on the house. Earnest money in escrow isn't a fee, but you should be wary of the fact that it's possible to forfeit that money if you can't come to a final agreement with the seller.

When is Escrow Needed in a Mortgage?

Escrow plays a role in both your initial home purchase and the ongoing monthly mortgage payments that follow. In a purchase, the escrow process provides certain guarantees to both the buyer and the seller. Once the two parties agree on a sale, a neutral third party—a bank, title company or attorney—will receive the signed purchase agreement so that it act as the escrow agent. Escrow agents exist to monitor and help fulfill the conditions of the sale, such as the buyer's "earnest money" deposit for a percentage of the sale price.

TYPICAL COMPONENTS OF ESCROW IN REAL ESTATE

Buyer Must Provide…

Earnest money towards down payment

Proof of mortgage loan approval

Seller Must Provide…

Access to property for inspections

Required repairs or renovations

Inspection of title

Once a property is "in escrow", neither the buyer nor the seller will receive anything from the escrow company until all the conditions of the purchase agreement are met. For example, you might agree to purchase an older home on the condition that the building pass a safety inspection. Other common escrow conditions include repairs and property tax audits. Meanwhile, the buyer's earnest money proves to the seller that the buyer has both the intent and the ability to complete the purchase. Earnest money can be forfeited to the seller if the buyer backs out or fails to hold up the terms of the contract.  Escrow agents are also responsible for distributing money to parties other than the buyer and seller. These can include commissions to the real estate agent, prepaid mortgage interest to the lender, recording fees to the county office of records and the escrow agent's own fee. In this sense, escrow greatly simplifies the home buying experience: without it, you'd be held responsible for sending timely and accurate payments to each and every party involved in the transaction.

Thinking of buying? We are happy to guide you every step of the way towards homeownership! 

Why did my credit score change?

If you’ve seen a change in your credit score recently, you may be wondering why. There are a number of factors that contribute to a dropping credit score and it is important to know what may be causing that! When buying a home, it is important to maintain your credit and not make any major purchases that could impact your score. Here are the top 5 reasons for a drop in credit:

YOU MADE A LATE PAYMENT

Accounting for about 30% of your total rating, your payment history has a big impact on your credit score. If you make a loan or credit card payment more than a month after the due date, it could cause your credit score to drop. A payment 60-90+ days late will have an even greater impact on your score.

YOU MADE A LARGE PURCHASE

Your credit utilization ratio can largely impact your credit score. Your ratio is how much of your credit you use in relation to your total available credit. The goal is to have a lower ratio so if you’ve been using more of your available credit lately, you may see a drop in your score. If for any reason your credit limit is lowered, it can impact your credit utilization ratio and impact your score.

AN ACCOUNT GOES TO COLLECTION

Timely payments on all accounts is an important part of your credit journey. Late payments on credit cards, loans, to medical facilities, student loans and utilities can be sent to a collection agency, which could in turn show up in your credit report.

YOU OPENED A NEW LINE OF CREDIT

When you apply for new credit, you are giving lenders the permission to access a copy of your credit report, which is known as a hard inquiry on your credit. If your credit report indicates that you’ve applied for multiple new credit lines in a short period of time, your credit score may be impacted.

YOU CLOSED A CREDIT LINE

Closing a card means losing available credit, which could increase your credit utilization ratio. As a result, your credit score may drop. If closing a card helps you stop spending, it may be a good idea. Otherwise, it is usually wise to keep lines of credit open. The length of time you’ve had accounts open shows that you have a solid payment history, so that could be another reason to keep that card you’ve had awhile open if you are using it wisely!

Should You Try Peel-And-Stick Wall Paper?

When you think of wallpaper, you likely picture rolls of material that are plastered or glued in place. Once the wallpaper is up on the walls, that’s pretty much it; while wallpaper can be removed, the process usually isn’t very quick or easy. If you want the look of wallpaper without the hassle, however, there is another option: peel and stick wallpaper. If you weren’t aware that this was available, it might be worth looking into.

What Is Peel and Stick Wallpaper?

Similar to some other wall decorations, peel and stick wallpaper is a vinyl applicant that has its own adhesive on one side. A protective paper backing covers the adhesive and is peeled off before application, allowing it to be placed without the need for glue or other messy adhesives. The adhesive on the back of peel and stick wallpaper is strong enough to hold the wallpaper in place, but not so strong that it can’t be removed with ease; when you’re ready to take it down you can simply peel it off without having to worry about the wallpaper tearing or causing any sort of damage to the wall surface beneath it.

Peel, Stick and Adjust

As with more traditional wallpaper options, peel and stick wallpapers typically feature repeating designs that are essentially seamless once everything has been installed. The self-adhesive nature of the wallpaper makes it easy to start a wallpaper installation since you can position the first piece more easily than you might with wallpapers that have separate adhesives.

There is another advantage to using this self-stick adhesive as well. Because it’s designed to release easily, you can adjust the positioning of the wallpaper with ease during the installation process. This helps to ensure that none of the wallpaper is crooked or out of alignment, since you can correct any problems as they occur without having to reapply adhesive or worry about damaging the paper.

Residue-Free Removal

One big advantage that peel and stick wallpaper has over more traditional wall coverings is that you can remove it and replace it whenever you need to. The vinyl material that peel and stick wallpaper is made from is harder than paper, so not only is it less likely to be damaged in day-to-day life but it’s also much less likely to tear during removal. The adhesive on the wallpaper leaves no residue behind and isn’t going to peel off paint or other surface details. While peel and stick wallpaper typically isn’t designed for reuse after removal, you can remove one peel and stick design and replace it with a different design, or even more traditional wallpaper, without any issue.

Multiple Surface Options

Peel and stick wallpaper goes well on walls, but it can also be applied to other surfaces as well. The main requirement for application is a clean, dry surface without texture. Your walls should be painted with at least a base coat, but the paint shouldn’t have any texturing agents added. Surfaces with non-stick elements added (such as non-stick paint) or residues need to be cleaned or painted before application as well. Peel and stick wallpaper can be added to drywall, wood or any other surface that either meets its requirements or can be painted to provide the clean, smooth surface that the wallpaper needs for adhesion.

Upgrade You Zoom Chat Skills

Zoom, or other video, meetings seem to be the way of the future. Though many businesses may return to normal office hours, the requirement to work from home has showed us that there are some jobs that can be done from home with the use of certain technology. Now more than ever, video conferences for work are looking like the best way forward. So what does that mean for you? If anything, it should indicate that it is time to step up your video chat game if you haven’t yet! Even if you are working from home, putting off a professional aura will help you look better and feel better! Here are some tips to make sure you look great for your Zoom meeting!

Dress The Part

You may not be heading into the office but that doesn’t mean you can’t dress like you are. There is a reason for the phrase “look good, feel good” - and it can help you feel a little more normal during stay-home orders.

Check The Lighting

The main thing to focus on with lighting is avoiding unnecessary shadows on your face. Make sure that you have a steady light source that lights your face evenly, preferably in front of you rather than from the side or behind. If you don’t have a lamp, sit in front of a window with the light on your face.

Pick a Plain Background

The more boring, the better. Having an exciting background can take away from focus and that is not what you will want during a work meeting.

Back It Up

Sitting too close to your camera can distort your face and therefore, tends to be unflattering. Sit a little further back from your camera to avoid any wide-angle shots of your face.

Change Your Angles

Make sure your camera is sitting right at or right above eye level, that way you are not looking down on the camera but also not looking up. If your webcam is built in, you can place books under your screen to bring the camera up to eye-level.

Speak Loud and Clear

Always do a sound check before logging into a meeting. You want to make sure you are close enough that your words are heard but not so close that you are filling any silence with your breathing.

Thinking of selling your home?

Let's chat... (805) 377-0941

The Right Window Treatments For You

Window treatments can often be an afterthought. The stress of finding the right blinds or curtains to cover your naked windows can make you just forget to cover them altogether. There are so many options that the choices can be overwhelming, and the idea of installing them can be daunting if you’ve never done it before. Instead of stressing out and leaving your windows open to passing neighbors, follow these guidelines to find the perfect window treatments for you.

CHOOSING BLINDS OR CURTAINS

Deciding what you need can be difficult. Instead of making that decision on a whim, ask yourself a few of these questions and you can get a clear idea of what you need. What is your design vision? If you want to be able to easily control the light coming in with a clean look, go for blinds. Does the room you’re worried about allow for easy peeping from the outside? Consider using both blinds and curtains. Do you want to be able to choose from more colors, textures, and designs? Curtains are probably best for you.

DECIDING ON A STYLE

Both curtains and blinds have different styles, even if curtains have a wider range. Depending on which treatment you choose, you’ll have choices to make. For blinds, your options are fairly limited. Most blinds are neutral and can typically either be plastic or wood. If you want modern contemporary, consider wide wooden slat blinds. If you want something more traditional, you can opt for plantation shutters. For curtains, try to decide what aesthetic your room already has. What color or pattern would tie it together? Also keep in mind how much light you want to let in. If you want a light and airy room, consider sheer curtains. Select colors that won’t stick out but rather, compliment the room, and you will love your new window treatments.

Preparing Your Home For Listing Photos

Listing photos are the first chance many potential buyers get to be exposed to your home. This is why being prepared for listing photos and ensuring your home looks ready to sell is a key part in the home listing process. Here are some tips to prepare your home for listing photos!

Clear Off Kitchen Counters & Sink

When the kitchen counters are completely cleared off, buyers can imagine how they might use the space for themselves. Kitchen items and decor only distract buyers can often make the kitchen feel cluttered. You will want to remove everything except a handful of decorative items from the countertops and thoroughly clean all surfaces.

Clear & Clean Bathroom Sinks, Tubs, and Showers

Take all of your bath/shower items and place them into a bin that can go underneath the sink. This can help your bathroom look bigger.  Clear off the counters so that bathrooms look unused, but it is okay to leave clean hand towels and hand soap.

Replace Burned Out Light Bulbs

Make sure you check all of the ceiling lights, lamps, and exterior lights to make sure that they all work and can correctly illuminate your space. If there are dark areas in your home, feel free to add a few extra lamps to brighten them up. Additional light can make an area look more spacious so the more light, the better!

Turn On All Lights Throughout The Entire House

You want your home to be captured in the best light, and so it is essential to have as much light as possible. Before your photographer comes, turn on all of the lights in the house!

Open All Windows

Natural light from windows brings life to photos. Opening all of the window treatments in your home to let in as much light as possible. If it's too bright, your photographer can adjust as needed. Make sure you clean the windows if they will be photographed!

Remove Unnecessary Furniture & Decorations

This is probably the hardest part, but it's one of the most important. Removing and storing furniture that doesn’t bring value to your photos can be hard, but it opens up the floor space and helps to not distract potential buyers. Buyers want to be able to visualize their items in your home and that can be hard to do if the room is cluttered with furniture.

Turn All Ceiling Fans, TVs, and Computer Screens Off

Any moving items like ceiling fans or active TV/Computer screens can look very strange in photos.  You should turn off anything that moves or can cause a motion blur.

Clear Off Appliance Surfaces 

Be sure to remove photos, magnets, notes, reminders, and other personal information from the refrigerator or any other appliance you have decorated. It will not only make your home appear cleaner, but it also keeps your personal info safe.

Make All of the Beds

Be sure to make and decorate all the beds in your home with matching sheets, blankets, and pillows. Use bedding fits correctly and covers the mattress.

Are you thinking of selling or know someone who is? Please share our information and give us a call to discuss your selling options. Maria Zendejas & Team (805) 465-2000

We look forward to being your Realtors! 

Need Space? Ditch Your Dining Room!

More and more, we're on the go. Dinners have evolved and formal dining is becoming a way of the past - or is reserved just for special occasions. With that in mind, we see more and more often that dining rooms are left untouched a mass majority of the year. Many people still have fully furnished dining rooms, for a few reasons. They may have been told they can’t sell their home without one, or they already have a dining set, or it just hadn’t occurred to them to not have one.

If you’re willing to think outside the box and you’re looking for ways to have more room without financing a home addition, take a second to think about what you really need and don’t need in your home. There’s a good chance that maybe, you don’t really need a dining room.

A better solution might be to create a slightly larger, less formal dining space. A space that can be more flexible, taking the place of the formal dining room and the breakfast room. Most of the time, this other dining space works great for meals, crafts, and everything in between. You can just add a nice tablecloth, some candles and once again it is a temporary space for elegant dining. If space allows, you can add a nook to your kitchen (if you haven’t already) and completely remove your formal dining furniture from your dining room. Now, you have a full room for play, design, or maybe an office - it’s up to you!

If you've been thinking of selling to purchase a home that offers more space, finding out it's resale value is the place to start! Contact us for a free report of your home. Maria Zendejas & Team can be reached via phone (805) 465-2000 or email lupezendejas@aol.com

When To Purchase Flood Insurance

If you are in an area where you think you might need flood insurance, you also might be wondering if and when the best time to purchase is. Like many Americans, the threat of a flood may always seem far off but if you are in an area that has any flood risk, the best time to consider making the investment is as soon as possible. 

Home insurance will not pay to repair damage caused by flooding, which is why you’ll need to buy separate flood insurance to cover tropical storms, torrential rain and overflowing rivers. It’s the smart move to buy flood insurance before flooding becomes imminent, because there is typically a waiting period between the time you buy your policy and the time it takes effect. 

Waiting period for flood insurance

If you buy your flood insurance policy through the National Flood Insurance Program, your home coverage will kick in 30 days from the purchase date. If you decide to buy private flood insurance, the waiting period might be shorter - typically around 2 weeks. Because not every state/area has private sellers, you will want to ask your home insurer or agent about options in your area. Unfortunately if flooding occurs during the blackout period, your policy won’t pay to fix damage to your home or belongings.

When the waiting period doesn’t apply

Here are some scenarios that are exceptions to the NFIP waiting period, according to the Federal Emergency Management Agency:

You have flood insurance and increase your coverage at renewal time. The new limits of your policy will take effect once your old policy expires.

You buy flood insurance within 13 months after your home is added to a Special Flood Hazard Area. The waiting period is one day in these cases. 

Your home sits on burned federal land and post-wildfire conditions put your property at an increased risk of flooding. There may be no waiting period if you buy your policy within 60 days of the date the fire is contained.

You buy flood insurance in relation to getting, increasing, extending or renewing your mortgage. There’s no waiting period in these cases.

There might also be exceptions to the waiting periods for private policies, including if you’re switching from an NFIP policy to a private one. You will want to ask your insurer for more details.

Design Trends for 2021

It is hard to believe that 2021 is 80 days away. With a new year approaching quickly, now is the time to start thinking about how you want to update your space. If you’re wondering how the design trends are looking for the new year, here is a great place to start! 

Less Is More

After Marie Kondo took over last year, there is no surprise that the idea of ‘less is more’ is trending in the decor space. Take the time to check each space in your home and ensure your decor is intentional. Make sure all of your belongings have a place and that they all serve a purpose.

Scandinavian and Japanese style

Both cultures celebrate minimalism while also encouraging functionality. With white shades dominating spaces in this style, you will also find natural woods and materials in large spaces that are open and bright. 

Personalization

One of the most marked trends in interior design is focused on the personalization of your space. Take into account what you already love when creating spaces in your home without worrying about what others consider stylish or up-to-date. Let your creativity shine through your space. 

A Touch of Color

Neutrals are great in most settings, but a pop of color allows you to add personality to your space. Yellow shades add warmth while blue shades give a sharpness and can be used to enhance certain elements of a room. If you want to introduce a little color, use colors inspired by nature. 

Is Your Home Ready To Show? Here's Some Quick Tips!

While it might be your goal to keep your home show-ready at all times, that isn’t always possible. It is completely normal to have a home that feels lived in - especially if you are living in it! This isn’t a major issue, but something to be aware of if you are getting ready to list your home.

If your house is already for sale, you may have already experienced the stress of last minute showings. Of course you want your home to appeal to a potential buyer, but you also want to be able to maintain some normalcy while you are still living at home. Here are some tips to help you show your home in a way that potential buyers will love and you can actually manage!

Create Routine

Create an easy maintenance cleaning schedule for each member of your household. Rather than having to worry about cleaning the entire house all at once, this allows you to maintain order and cleanliness - making show-ready living easy to achieve!

Decide On The Necessities 

Once you decide to put your home up for sale, you should do a walk-through of your entire house. Decide what items you’ll need and use while your home is on the market, and start to make a packing plan for the rest. If you have the room, store items in-house, or consider renting a storage unit. Either way, you will have much less to worry about packing when it is time to move!

Quick Fix Containers

Thankfully, decorative baskets and bins of all sorts are all the rage right now. If you don’t already use containers to organize and store toys, clothes, shoes, or other items - now is the best time to start! You will then be able to toss those items quickly into their storage space before a showing.

Maria Zendejas & Team (805) 465-2000

How Often Should I Check My Roof?

While you may not think about your roof every day, you want to make sure that your roof stays in good shape and remains leak free. To do so, regular inspections need to be performed. But how often should that happen? According to the National Roofing Contractors Association, you should check your roof at least twice of year, during fall and spring. The mild weather of those seasons can help make inspecting the roof easier and it also allows you to ensure that your roof will be prepared potential seasonal weather hazards. While it may not be easy to complete an inspection as often as recommended, doing so will help prevent minor roof damage from leading to serious problems.

Preventing minor problems from turning into major ones will also save you money in the future. Your bi-yearly check can be done yourself unless you find reason for concern. Here are some things to look out for when doing a DIY inspection:

• Broken or missing shingles
• Cracked or curling caulk
• Patches of moss/lichen
• Worn or peeling plastic rubber boots around pipes or other roof projections
• Cracked or rusted spots on metal flashings 
• Shingles that are blistering, cracking or buckling
• Loose, cracked or rusted gutters
• Crumbling or missing chimney mortar
• Tree branches or other large debris

If during your own inspection you notice any cracked or rusted flashings or gutters, crumbling or missing chimney mortar, sunken spots in the roof, or several shingles that are buckling, cracking or missing, you should call a roofing company. A professional roofer can inspect both the inside and outside of your roof and give you peace of mind about the safety of your roof and your home.

 Maria Zendejas & Team (805) 465-2000  | Lic. 01522044