16239 Kamana Road Apple Valley, Ca 92307

  • Multi-family Home
  • Open Floor Plan
  • Wet Bar
  • Spacious Bonus Room
  • Private Dining Area
  • Gourmet Kitchen
  • Spacious Pantry Area
  • Private Study Area
  • Master Suite Balcony
  • Private Balcony View
  • Watch The Sun Rise
  • Lattice Covered Patio
  • RV Parking

Offered at $385,000

Property Type: Single Family
Year Built: 1990
Bedrooms: 4
Baths: 3
Living Space: 2862 sq. ft.
Lot Sq. Ft.:20,200 sq. ft.

Cozy Desert Home Located in Apple Valley, California

The home features 4 bedrooms, 3 baths with 2,862 sq. ft. of spacious living area which is Air Conditioned for comfort, filled with all the modern conveniences. Sit on the quiet covered patio or go through the master bedroom french doors which leads to a private balcony. Enjoy the scenic view of local mountains and admire the night stars, watch the sun bring out nature's glorious colors.

Located on a 20,600 square foot lot with an RV parking area. The newly added block wall brings added privacy while sunbathing. One of Apple Valley's most desired area known as Desert Knolls is surrounded with neighboring medical facilities like St. Mary's Hospital and much more. Hurry, this property won't last long on the market.

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Direct: 760.550.7700

Fax:      760-680.2044

Email: Rudy@RudyRodriguez.us

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Concierge Services

 

California Life Properties and Rudy Rodriguez are proud to announce its concierge service for our Southern California Realtor partners. Taking pride in what we do and offering meaningful services sets a standard of excellence we strive to provide. With a client first approach, our concierge services create a consistent agent experience that translates into superb client care. These services include;

  • Pre- arranged door to door delivery service of client documents, keys, signs, marketing
  • High tech call capture, fax, text & video conferencing services available for agent/client use
  • Broker direct screen sharing for contract collaboration, review and submission
  • Community ambassador service; arrange people, pets and community events
  • Professional design team for custom work on listings, campaigns and print work
  • Technology suite of services to write, receive, store and access all client documents
  • Value added Wells Fargo direct pay program for commission, BPO disbursements
  • Contracted attorney services for risk management and assessment of contractual matters
  • National research firm with access to statewide data to track, trend and forecast market values
  • National syndication services to promote and manage internet traffic and marketing efforts

Listing your property with a California Life Properties consultant incorporates these services to better serve our most trusted asset – our Seller and Buyer Clients.

 

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   -a pet friendly real estate company-

About Rudy

IT'S ALL ABOUT THE LITTLE DETAILS

EVERYONE HAS A DREAM ......

they want to come true in life Whether it’s having the ultimate job, living where you’ve always wanted, starting a family or a combination of all these, our aspirations motivate us to pursue these passions and interests, but reaching your dreams starts by setting goals for yourself and having the tenacity and initiative to achieve them.

LIMITLESS

ASPIRATIONS

Having spent his childhood in Los Angeles, CA. Rudy was raised in a family-oriented atmosphere. The close-knit environment helped mold his strong family values. Rudy's inspiration to turn his passion into realty came in the form of education. As a self taught real estate investor he combined his deep affinity for real estate investing with the love of his faith and began investing full time. Being able to connect with people he has Taught others the act of real estate investing.

FACILITATING DREAMS

 

For Rudy, launching a successful business on the premise of helping people turn their aspirations into realty was another lifetime goal. He understands that buying and selling a home is one of life’s biggest and most emotional investments. As one of the area’s leading real estate professional, his approach to his client’s needs is characterized by his dedication to provide them with a level of service and guidance that will allow to make their move the best yet.

 

REACHING NEW HEIGHTS

 

Rudy delights himself on having the industry knowledge and personalized approach to help his clients make sound investment decisions and take the guesswork out of their move and investments. Rudy’s intimate familiarity with the area and savvy business skills runs the gamut of expertise. He stays in constant communication throughout the process with timely updates and market information that allows clients to make the most of their time and effectively maximize their investment.

5-Star Customer

Experiences

 

It is more than lip service, the number one ethic at Rudy Sells Realty, Inc., is taking care of the buying or selling customer! For this reason, our organization is designed to provide expert service during every step of the transaction. At CLP, the customer is the center of our universe. We have experts to manage the different parts of the transaction so everything goes smoothly. Our customers have an entire team to ensure a 5-star experience.

Making The Dream

Reality

 

Traditional brokerages have little or no concern with the customer (buyer/seller) and leave it 100% up to their self-employed real estate agent to deliver the knowledge and service (or lack of). This means there is no consistent quality or standard of care and minimal service by virtue of the capacity of the single agent. All of this is risky for the customer.

Buyer – Contract to Closing

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It’s both exciting and stressful negotiating a real estate purchase contract. Once it’s signed by the sellers, buyers can relax a bit, but California Life Properties Inc. can’t. There are still more negotiations, document deliveries, inspections, title details and mortgage tasks to be accomplished to reach a successful closing and walk away with the keys to your new real estate property.

There are more than 50 specific due dates and tasks on our average transaction checklist, but an overview of a few includes:

  • Post contract delivery of documents to the title company and ordering of a title binder or commitment.
  • Deposit of earnest money and delivery of receipt to the buyer client.
  • Helping our buyers to order inspections and coordinating them and providing access to assure they’re completed on time.
  • Coordinating timely delivery of any documents objecting to disclosures, inspection results, or title binder issues discovered.
  • Coordinating appraisal and appraiser access.
  • Working with mortgage company and coordinating delivery of documents they require.
  • Assisting our buyers with any negotiations related to contingencies, inspections or documents.
  • Constant monitoring of status of all processes at the title company.

There are a number of companies and people involved in a real estate transaction, including attornies, surveyors, appraiser, title company, mortgage broker, lender, loan underwriter, both agents, and possibly others. Each has specific duties and requirements, and each is concentrating on doing a good job for you. However, their focus is narrow, targeted on their specific niche in the deal. As your buyer agent, we’re your “go-to” resource to bring it all together. We’re here to coordinate the activities of all of these companies and people for you.

We’re constantly monitoring those 50+ document delivery items and the work done by these people. Daily we check the progress against contractual deadlines and act on our project requirements. A lot of this activity goes on behind the scenes and you’re not even bothered. Some of it requires that we contact you and request documents or actions. Please understand that our overriding goal is a smooth transaction, and getting you through meeting all deadlines is one of our jobs. We’ll only bother you when necessary, telling you what we need and when, and moving you through to a successful closing.

There is a lot more, but those are the highlights, and many sub–tasks are related to each of them. California Life Properties Inc. is obsessed with proper follow–up and detailed coordination of every step of the closing process for our buyer clients. It’s critical that we make all deadlines and keep the transaction on track to avoid defaulting on any terms of the contract. We’ll keep your real estate transaction on track, and you’ll have the time and advice you need to assure you’ve covered all of the bases prior to closing.

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Buyer – Inspections and Repairs

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Many buyers forget that the price isn’t the only or the last negotiation point in a real estate purchase. There are a number of contingencies and processes that happen before closing, and one that frequently causes deals to evaporate is the inspection and repair negotiation process.

Inspections in a real estate deal encompass many property aspects:

  • Structure
  • Roof
  • Mechanical equipment
  • Plumbing
  • Electrical
  • Pests & insect infestation
  • Mold & other environmental hazards
  • Wells & water quality
  • Septic systems

While your deal may not require them all, and some may be combined and provided by a single inspector, it’s our job to help you to order the proper inspections, schedule them, and make sure that they’re completed on time. Failure to complete inspections and object to their results by deadline dates can result in the buyer’s inability to take any action based on the late results. We make sure that this doesn’t happen.

Once an inspection is completed, there can be issues uncovered that you weren’t expecting and want to have addressed by the seller. This is a second negotiation in the contract process. We go over inspection results with our buyers and prepare documents that are required to request seller action and corrections. Sellers do not normally have an obligation to undertake corrective action, so it becomes a critical negotiation, especially if the problems are significant.

We’re here for our buyers to assist in these negotiations as, next to selling price, inspections and subsequent repairs are the biggest killer of real estate deals. Sometimes creativity needs to be applied to keep your home deal moving when the seller balks at your repair or corrective action requests. We’re experts, as we do this every day. We also maintain an extensive contractor list that can yield just the right contractor to get a job done at a price the seller will agree to.

The key to keeping a deal going with inspection problems is for California Life Properties Inc. agents to be involved every step of the way, as it’s something we do hundreds of times every year. We’ll make sure that every resource is employed to keep your home purchase on track and gain every possible concession from the sellers.

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Buyer – Price Negotiation

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 We love helping our Southern California real estate buyers to find the perfect property. But we love even more the ways in which we can help them to buy it at the very best price with the very best terms. Sometimes negotiations aren’t all price. A great contract can involve other seller concessions that create the right deal for our buyer clients.

Real Estate Market Data 

How can you be expected to make price offer decisions in a vacuum? California Life Properties Inc. spends a great amount of time and effort in collecting market data to help our buyers in their price negotiations. This data involves not only sold property prices by neighborhood, but also current listing pricing to determine the competitive nature of the market.
This data is very thorough, and it’s call a Comparative (or Competitive) Market Analysis.  There are two parts, the comparison of the property you’re considering to similar properties recently sold in the nearby area.  This gives us a firm grip on what has happened in the near past, but by nature it is “past” data, thus possibly not accurate for the market as it is when you’re in negotiations.  We then do another CMA process on the currently listed properties most like the one under consideration and in the same neighborhood or nearby.  This gives us a current market snapshot so that we can adjust our valuation model and our offer to reflect the current market situation.

Thorough knowledge of your situation 

Only through constant communication we can advise you properly in pricing negotiations. By understanding your motivations and financial capabilities, we can help you craft a price negotiation strategy with the highest probability of success.

 

Seller motivation research 

While it’s not always legally possible to determine why someone is selling, there are things we can glean from their listing and price activity that will allow us to help you to negotiate from a position of strength.It’s not all money – There are a lot of ways to negotiate a real estate deal, and they don’t always involve money. Perhaps the seller doesn’t have a lot of ability to work with you on price, but they can make other concessions that could result in a deal. We help you to take the best approach.

It’s not over till it’s over 

Many real estate price negotiations involve multiple counter offers and a lot of back–and–forth. We’re with you with each counter offer to adjust your negotiation strategy accordingly. Because we can’t know the seller’s financial limitations in many deals, some buyers are elated when they cut a major low-priced deal on a home, but then after inspections they hit a brick wall in negotiations with the seller related to repairs.  The negotiation to purchase a home isn’t over with the price on the contract, and it’s best to know that a real deal at the front end could result in less flexibility after inspections in the repairs discussion.

The thing to remember is that California Life Properties Inc. is right there with our Southern California real estate buyers throughout the negotiation process with the latest information and experienced advice.

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VIP Buyer Services

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While you can come to our site’s search page every day and search for new listings that could be your dream home, there’s a far better and more efficient way to get the job done. Fill out the form on this page, give us a few details about the home you’re looking for, and we’ll create a customized search for you. It will send you email alerts of new listings that match your search criteria as well as price reductions of matching listings so you can watch for bargains.

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Taking Advantage of FHA Loans

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More Buyers Take Advantage of FHA Loans

Sales to buyers using Federal Housing Administration loans rose to a two-year high in the second quarter, according to RealtyTrac’s June and Midyear 2015 U.S. Home Sales Report.

Buyers using FHA loans — which are typically low down payment loans that are used by first time home buyers — made up 23 percent of all single family home and condo sales with financing in the second quarter of 2015. That’s up from 19 percent in the second quarter of 2014 and the highest share since the first quarter of 2013.

“As the investor-driven housing recovery faded in the first half of 2015, first-time home buyers, boomerang buyers and other traditional owner-occupant buyers started to step into the gap and pick up the slack,” says Daren Blomquist, vice president at RealtyTrac. “This is good news for sellers in many markets, providing them with strong demand from a larger pool of buyers, and U.S. sellers so far in 2015 are realizing the biggest gains in home price appreciation since 2007.”

The following markets, with a population of 1 million or more, had the highest share of buyers using FHA loans in the first six months of 2015:

  • Riverside-San Bernardino-Ontario in inland Southern California: 35%
  • Las Vegas: 32%
  • Oklahoma City: 31%
  • Salt Lake City: 30%
  • Phoenix: 29%

On the other hand, these major markets had the lowest share of buyers using FHA loans in the first six months of 2015:

  • San Jose, Calif.: 7%
  • Hartford, Conn.: 10%
  • San Francisco: 12%
  • Boston: 12%
  • Milwaukee: 13%

Thinking about Buying or Selling your home….. take advantage of our Five Star Service.

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Home Affordability

Home Buying Made Easy

These Videos Will Provide The Necessary Information To Get You Stated.

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Buying A Foreclosed Property: What You Should Know

home-sloganGiven the recent state of the economy and the rising rate of mortgage foreclosures, the number of properties available at rock bottom prices is at an all time high. While purchasing one of these homes may seem like a sound investment and a great way to get more house for your dollar, there are some issues to consider before purchasing a foreclosed property. Depending on your financial situation, your experience as a homeowner, and your access to information about the foreclosure market in your area, there are some risks involved.

Finances Of Foreclosure

The financial considerations of purchasing a foreclosed home can sometimes be overlooked. Often foreclosed homes can be in need of considerable maintenance and repair to make them habitable. You need to know this cost when making the purchase, or you may end up with a considerable amount of debt in bringing your home back to its original shape. Also, even though the price of the property is right, there are other financial considerations you may not have considered. The cost of maintaining a home, property taxes, and utilities are all expenses that may be greater than your budget will allow, especially if you are purchasing a home that is much larger than your existing home or if you are unfamiliar with the costs associated with home ownership. There is also the consideration of your ability to pay for the purchase. Often foreclosed properties must be paid for in cash, so be sure you have the available credit.

Knowing The Facts

The process of purchasing a foreclosed home can be much more time consuming and complicated than a normal real estate transaction. If the sale is occurring because an eviction notice has been served or if you are purchasing the property at auction, you may not be able to inspect the house before purchasing it or you may have to deal with some issues to get the current homeowners out. There is also the issue of not knowing the condition in which they have left the home. You will want to be sure you get the advice of both a real estate agent and a banker to ensure that your purchase is both a good investment and will increase in value over time.

Overall, purchasing a foreclosed home can be a great way to enter the income property market or find yourself a great investment opportunity, but being sure you have all the facts can prevent you from making a poor investment decision.

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Choosing A REALTOR® You Can Trust

home-sloganWhen it comes to shopping for a home, especially if you are buying for the first time, having an agent on your side is extremely helpful. But if you have never bought a house before, you may have no idea where to begin finding a REALTOR® that you can really trust to help you with this important decision.

If you open the phone book you will see a long list of names, and very little help to figure out which one to call. There are a few ways you can narrow down the field of real estate agents to find someone you can trust.

Ask Your Friends And Family

To find a real estate agent you can trust, start with the people you trust-your family and friends. Of course, the best people to ask are those who have bought a home recently, as the experience they had will still be fresh in their memory. Ask them how happy they were with the service they received, and if they would recommend you hire the same agent.

Ask Others In The Field

Another source of good referrals is through some of the people you may know who work in related fields, such as mortgage brokers and insurance agents. They often know many different agents and work with them regularly. Ask them to provide you with a few names of the people they would trust most with their own home-buying process.

Meet With The Possible Agents

When you have created a short list of possible agents to hire, call a few of them and make an appointment. Sit down and discuss your home buying plans with them. Ask them about what sort of services they provide as well as things like their commission structure. Treat this interview the same way you would in hiring any other professional to handle important business for you. A good REALTOR® will be happy to answer your questions openly and honestly.

Take the time to meet with several agents before you decide who you would like to represent your interests. That way you can compare the different experiences and see who you feel most comfortable with. The agent’s experiences in real estate, their dedication to their clients and, of course, the rapport you develop with them are all important considerations. Remember, you are looking for someone you can really trust.

Your REALTOR® is your home-buying partner and needs to be someone who is there for you and knows all the ins and outs of home buying. Take your time and choose the right person for the job.

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Buying A For Sale Home That Can Grow With Your Family

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Buying A Home That Can Grow With Your Family

If you are a first time homeowner, or are purchasing a home after a major life change such as marriage or having children, what should you consider to be sure your new home can grow with your changing family? The time and effort that go into purchasing and decorating a new home, not to mention finding it in the first place, means that you’ll want to ensure that your home will be right for you and your family for years to come. So what should you look for in your new home so that it will give you enjoyment and be functional both now and in the future?

Size

Though a cute two-bedroom home may be right for a newlywed couple, this type of space will likely soon be outgrown if there are any children in your future or if you and your spouse like to entertain. You will also want to consider the number of bathrooms and the facilities in them. Having only one toilet or shower can certainly put stress on a growing family.

Features

Special features of a home, such as a finished basement, central air, and a large yard can make your home a more functional and enjoyable space, especially if you have or are considering starting a family in the near future. You may also want to consider the age of the home you purchase and its features or appliances, as this may lead to future costs that may put stress on your financial situation at a time when one spouse may be at home caring for the children.

Location

Location is also an important consideration when choosing a home that can grow with your family. Choosing a safe neighborhood is always an important point when selecting a family home, but you will also want to consider the proximity of good schools, community centers, and shopping. Also, facilities such as parks and libraries can make a neighborhood truly a great place for families. You may also want to consider the demographics of the area in which you are purchasing in order to be sure it is a match with your values.

As the old adage goes, home is where the heart is, and choosing a family home that is right for your family can really make all the difference in having a happy, fulfilling, and safe family life.

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Buying A Home Long Distance

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The process of purchasing a home can be a complicated and stressful experience, but if you have to purchase a new home in another city the experience can become even more complicated. Whether you are relocating for a job, retiring to a dream location, or are just looking for a change, purchasing a home long distance has a whole separate to-do list on top of the already long list of things that need to be done to purchase a new home. Here are some tips to make purchasing a home long distance a little easier, and still get the home of your dreams!

The Internet Is A Powerful Tool!

The internet is a powerful research tool for learning more about virtually any topic, and purchasing a home is no exception. From finding a REALTOR® to searching properties, the internet is a great aid in finding a home. It is also a great resource for finding information about potential lenders, home inspectors, and all the other extras involved in buying a home. Though the internet is a great resource in the real estate market, like any information you find online, it is always important to be sure it is coming from a reputable source. Finding Web sites that are run by professional REALTORS® or real estate organizations is your best bet for reliable information.

Hire A Local REALTOR®

Your best approach is to be sure you have an agent in your prospective area on your team early on. They can certainly direct you to some great online resources and help you determine which are accurate and up-to-date. They are also a great resource for finding out which neighborhoods would be a good fit for you and your family, and the local amenities that are available to you.

In general, buying a home long distance can have its obstacles, but with a little research on your part and the help of a professional REALTOR®, you can make the transition to both a new home and a new city easier and stress free.

 

Buying Your First Home: Seven Tips For First-Time Home Buyers

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Now that you’ve made the decision to purchase your first home, a hearty congratulations is in order! Becoming a homeowner, especially for the first time, can stir up some feelings of anxiety and excitement. With the knowledge that you gain through individual research and the help of your REALTOR®, you will soon begin to feel like a seasoned house hunter.

Tip # 1: Do Your Homework

Did you know that there are a number of incentives available to first-time home buyers? Everything from a 3-5 percent down payment and interest rates as low as 5.75 percent are just a few of the ways that lenders help to make the dream of home ownership into a reality for many. An FHA loan, for instance, is especially appealing to first-time home buyers. The best way to find out what’s available, in terms of down payment requirements and interest rates, is to do your homework by comparing offerings from various lenders.

Tip # 2: Save Money

Although many loans are geared toward offering lower down payments to first-time home buyers, it’s important to save as much money as possible so that you will have enough to provide an earnest money deposit (if applicable), pay for closing costs and still have the funds to furnish and decorate your new home.

Tip # 3: Get Your Credit Profile In Order

When you apply for a loan, the lender will access a copy of your credit report and will use the information to determine your creditworthiness and/or interest rate. This means that you will want to make sure that the information contained in your credit report is accurate and up-to-date. You can do this by requesting a copy of your file from each of the three major credit reporting agencies – Experian, Equifax and TransUnion.

In addition to past credit history, lenders will also look at your current debt ratio in order to determine whether or not you can afford the home. This means that you may want to consider paying down some of your existing credit card debt and avoid taking on any new debt before applying for a mortgage.

Tip # 4: Start Your Search

With the World Wide Web being what it is today, it’s no surprise that many potential home buyers start their search online. A Realtor’s Web site is designed to not only list real estate, but also to educate a buyer as they move through the process of searching for a new home. In addition, the internet offers a way for consumers to browse through color photos and virtual tours, both interior and exterior, along with information pertaining to the homes themselves. The convenience of being able to find a home that you like without having to wait is just one of the many benefits to shopping for a house online. When you are finally ready to meet with a REALTOR®, you will already have one or more prospects in mind.

Tip # 5: Have Patience

Perhaps you will find the perfect house this week, or maybe it will take a little longer. Some buyers find exactly what they are looking for right away, while others have to do a little more searching to find their dream home. As a first-time home buyer, it’s a good idea to begin the process with an understanding that good things really do come to those who wait. You may see a number of homes, take numerous photos and may even make an offer or two, but patience may very well be the key to finding your new home.

Tip # 6: Take Notes

If you see a lot of homes, it will be impossible to remember the features of each. For this reason, you should consider taking a notebook and writing down each unique or defining aspect that you like or dislike about a particular house. This information, along with any photos that you take, will help you greatly when it’s time to make a choice.

Tip # 7: Don’t Settle

A home is a big investment and it could, quite possibly, be the largest you will ever make. For this reason, along with the fact that you will be living in the home every day, make sure that you get what you want. There could be an instance where you need to make some type of compromise, but you may want to avoid choosing something just because it’s within your price range or you feel as though it’s your only option. New houses are placed on the market every day and, as a buyer, the next one listed may just be your dream home.

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Buying A Fixer-Upper: Are You Ready For The Work

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Always dreamed of renovating a home exactly to your specifications, or have you found an older house that is structurally sound but needs a lot of work inside? Perhaps the price is right and you can’t resist all that house you can get for your money. Whatever the reason, buying a fixer-upper can be both an exciting and rewarding purchase or a financial and time consuming disaster, depending on whether you are prepared for what you have gotten yourself into. So what should you know before buying a home that requires a little or a lot of tender loving care?

The Benefits

The benefits of purchasing a fixer-upper are obvious. The price is usually right, and if the seller wants a quick sale because of decreased interest in the home, you may be able to negotiate a really great price. Also, if you intend to flip the home after the renovations, the profit for the money and time you have invested can be quite considerable. The trick to getting these benefits, however, is knowing what type of property to look for, as well as having an accurate idea of the associated costs, and realistic expectations of the time and labor it will take.

What Makes A Great Fixer-Upper?

There are several features that may make for a great fixer-upper.

Location-Buying a home in a desirable neighborhood is always a smart idea, particularly with homes that require a lot of work. Purchasing a house in a sought after area can mean a greater profit margin for resale value.

Layout And Configuration-This is especially important if you plan to sell the home after the renovations are finished. Selecting a home that will appeal to the greatest number of buyers will get you the best price. Also, choosing a home with a layout that flows may save you a considerable amount on the actual renovation costs because you are less likely to need custom installations and work.

Condition-Ultimately the most important consideration is the actual condition of the home. Choosing a fixer-upper with only cosmetic problems such as damaged flooring or old fixtures and appliances, and in need of only a new paint job, can often have the greatest profit margin and require much less money and time.

Overall, when purchasing a home that needs work, getting a qualified home inspector’s advice and getting estimates of the cost of work to be done before making your offer can make all the difference.

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Buying A Home For Sale vs Renting A Home

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When it comes to a home, you have two options: buy or rent. What is right for one person may not be right for another, which is why it’s important to know which is the best option for your individual situation.

Why People Rent

There are a number of reasons why someone may either choose or be forced to rent, including sporadic or unpredictable income, a high debt-to-income ratio, a bankruptcy or foreclosure within the last six months, unpaid collection accounts or judgments, frequent relocating for employment or the inability to save enough money for a required down payment on the purchase of a home.

Maintenance Matters

As a homeowner, you will be responsible for any maintenance or repair issues that arise. This is a big consideration when choosing whether to rent or buy. When you rent, the property owner is responsible for repairs and it may not always be obvious that these issues can be very costly.

How To Know When It’s Time To Buy

If you have steady income with a good employment history, can provide a down payment of at least 5-10 percent of the purchase price and are current with all debts, it may be time to consider buying a home instead of renting. In some cases, the cost of rent may even exceed that of a typical mortgage payment.

When deciding to buy, job stability is a big factor. If your job does not require frequent relocation and you plan to live in the home for at least 5-10 years, you may want to consider making the purchase. If you need to relocate after that, you may have enough equity from the sale to use as a down payment on another home.

Home Buyer’s Checklist

If you can answer yes to the following questions, you may be ready for home ownership. Your REALTOR® can help you to find the perfect home based on your individual needs.

  • Have you been steadily employed for at least one year, but preferably two years?
  • Do you plan to live in the home long enough to build equity?
  • Can you provide a down payment and still have enough money left to pay for closing costs, utilities and home furnishings?
  •  Are you current on all debts, including auto loans, credit cards, etc.?

In addition to any current debts that you may have, can you afford a monthly mortgage payment which will likely include property taxes and insurance?

Do you have the time to devote to shopping for a home and comparing interest rates from various lenders?

Have you checked your credit reports for inaccuracies and disputed anything that needs correction with each of the three major credit reporting agencies?

The decision to buy or rent is a very personal one that can only be determined after a careful evaluation of your situation. A REALTOR® can show you the perfect home and a lender can tell you whether or not you can afford it, but it’s up to you to make the choice as to whether or not you are ready to make the move.

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