A new home is the first step into the next phase of your life. Whether you’re starting a family, a new career or a fun-filled retirement, a new home in the San Francisco Bay Area can be the backdrop for years of safe, secure, heart-warming memories. To start off right, plan to follow a regular maintenance schedule for your home. Proper maintenance can extend the lives of your appliances and the structures of your home. And your regular inspections can reveal concerns before they become problems, saving you money and headaches.
When you buy a Los Angeles County home for sale, you’ll need a mortgage unless you’re paying the full price in cash. A mortgage breaks the total cost of your purchase into smaller monthly payments over the life of the loan. At the beginning of your term, the amounts consist primarily of interest with some principal. Toward the end, the ratio reverses with more of the total going to the principle with some interest. Even a fractional change in the rates can affect what you owe each month and in total.
According to Bankrate, interest rates are holding steady at an affordable number. However, because of an improving economy, the Federal Reserve may increase rates in September during the next meeting of central bank policymakers. For now, these are the current rates as compiled by Bankrate in Los Angeles, assuming a loan amount of $450,000, a 20 percent down payment, no points, and a credit score of 740 or greater. Your actual payments will vary.
A little greenery has an amazing ability to liven up any living space. The benefits go beyond the aesthetic, though. Research has shown plants to be effective in removing indoor pollutants. In fact, a study from NASA found that houseplants are able to remove up to 87 percent of air toxins in a 24-hour period. Some of the most effective houseplants at removing toxins were dragon tree, ivy, ficus, philodendrons, spider plants, peace lilies, ferns, chrysanthemums, palms and the rubber plant. Several of these awesome creatures also made our list of hardy, easy-to-care-for plants. Here are our top six picks to brighten up your new home by Trumark Homes.
Even during this ongoing drought, Milpitas California offers excellent tap water for its residents, new and old. As in the rest of California, water is a scarce and invaluable resource. Civic leaders have been careful to safeguard their water supplies and in 2014, Milpitas tap water met all US Environmental Protection Agency standards. Two-thirds of Milpitas water comes primarily from the San Francisco Public Utilities Commission. The rest comes from the Santa Clara Valley Water District. Two water treatment plants, Penetencia and Santa Teresa, filter and disinfect the water before it is sent into city homes. On average, over 16,000 Milpitas homes consume over 8.7 million gallons of water a day! Protecting the water, and the environment in general, is an excellent way to maintain the high quality of your new Milpitas home.
Help Keep Milpitas Environmentally Healthy!
An easy way to maintain environmental quality is to choose environmentally safe cleaning supplies. Standard cleaning supplies often contain harsh chemicals that can be toxic to biological organisms. When these toxins enter the food chain, they can be transmitted through to humans, and carry with them the harmful poisons. Packaging also presents problems, as most cleaning supplies are contained in plastics that don’t degrade or break down. The chemicals and plastics can stay in the environment for years, causing acute (immediate onset) or chronic (ongoing) health issues over generations.
Trumark Homes Presents Timber in Newark, Calif.
There are two types of homes within the Timber at Newark community recently built by Trumark Homes: Shade at Timber and Canopy at Timber. While both can accommodate single families, there are differences in the model of the two homes that families must consider when purchasing their new home in Timber.
Shade at Timber
Located along Cedar Boulevard and Timber Street, there are three single family floor plans that are available at the Shade in Timber community. The sizes range from 2,115 to 2,405 square feet. They each have four bedrooms, three and a half bathrooms, as well as a two car attached garage. The only difference between their amenities is that the 2,406 square foot house is the only one that does not have a second floor deck or the option to have a loft put in one of the bedrooms.
If your first foray into the real estate market is buying from Trumark Homes, you may make a pleasant discovery. Even though your monthly payments are equal to or greater than your previous monthly rental, you end up with more money at the end of the year. That’s because many of your home ownership expenses are tax-deductible. Here’s a run-down on what you can take off your 1040:
Your interest payment is the biggie because it forms the bulk of your monthly payment during the early years. You can deduct the whole interest amount unless your mortgage balance is over $1 million dollars if you file jointly with a spouse. Other deductible expenses include the penalty charge if you’re late with the amount due and the prepayment penalty, if you decide to pay off your mortgage early.
Congratulations! Trumark Homes has just completed the final touches on your home so you’re excited to move in. You’ve called around and found a reputable moving company who has given you a quote based on how much you’re moving and from where. Examine those numbers carefully. The company can add several fees to drive those costs up.
DIY v. Professional Movers
Don’t automatically assume hiring movers is more expensive than moving yourself. While that rental truck looks like a good deal, too many do-it-yourself people put a lot of sweat into a move, only to realize they’ve spent more on a U-Haul than they would have on professional movers. When considering professionals, collect at least three quotes from different companies. Despite what you might think, it is possible to negotiate with movers. Even moving companies have an off-season: if you can time your move during fall or winter, companies often lower their rates as much as 30 percent, according to moving industry consultant Vasi Atanasova.
When you think about California, images of pristine beaches, beautiful movie stars and glamorous lifestyles of the rich and famous come to mind. Although there are miles of beaches and it is home to Hollywood and Silicon Valley, there’s much more to the Golden State. If you want to buy a house in California, here are five things you need to know before you move. Not only will they make the transition easier, but they’ll also help to clear up any misconceptions you have about the state and the people who live there.
Despite the fact that California is home to movie stars and countless celebrities, the odds are very slim that you’ll have one as a neighbor. You may, on occasion, run into someone famous on the street, in a restaurant, or out shopping, but don’t count on it. The truth is, most of the 38 million folks that live in California are normal, every day people just like you. You’ll find a wealth of diversity, no matter what part of the state you decide to call home.
Traffic Is Intense
California’s freeways can be incredibly difficult to traverse during certain parts of the day. The gridlock can hold you hostage in your car. One thing that helps keep traffic moving are the carpool lanes designated for vehicles with more than one passenger. For the most part, the heaviest traffic times are between 6 and 9 in the morning, and again between 3 and 7 in the afternoon. If at all possible, you should plan your excursions for the low traffic hours.
Ask just about anybody what state has the most earthquakes every year and they will more than likely say California. The truth is, Alaska and Oklahoma both experience more earth shaking events than California. That said, California does have quakes. However, the vast majority of them are small tremors that do little damage or are not even felt. The state has the dubious distinction, though, of having some of the most destructive earthquakes, due in part to the large population and extensive infrastructure.
Drought Is A Real Issue
California is in its fourth year of a major drought. Cities across the state recently were ordered to reduce their water usage by 25 percent to help ease the burden. That means you’ll see fewer green lawns, since watering them is restricted. If you’re moving from a place that doesn’t experience drought, it’ll take some getting used to.
If you are thinking about buying a home in California, contact us at Trumark Homes. We have beautiful, spacious homes available in some of the most desirable, friendly areas in the state including Milpitas, Newark and Silver Lake. We would love to tell you all about them.
Even before you have settled into your new home, it is time to start thinking about your family’s emergency preparedness plans. As California home builders, we can build the house, but it is up to you to prepare for any disasters which may arise in the future.
One of the most important first steps is to create an evacuation plan. The reality is that wildfires and earthquakes are common in California. It is important to know how you can safely get out of your home in a hurry.
You should have at least two escape routes from each room in your home. Escape ladders can be used in upstairs rooms. Not only should they be readily accessible to the upstairs rooms, but you should practice using them on a regular basis. Then if disaster does strike, you will know how to properly use the ladder, and family members are less likely to panic.
You graduated from college a few years ago. You landed a great job. Since then, you have been saving up to buy your first home. Now, you are ready to make the purchase. You are both excited and a little nervous about the process of buying a new home. If you are purchasing a home for the first time, consider these three tips.
Establish a Budget
It is important to know how much you can actually afford. Not only do you need to take into account the down payment and monthly mortgage payments, but make sure you factor in closing costs and other expenses associated with purchasing a home. To help you better understand your budget, get pre-approved for a mortgage loan. If you understand your budget prior to looking for homes, you will not find your dream home only to realize you cannot afford it.