ESTATE REAL G U I D E
MARCH 18, 2022
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EXPERIENCE | INTEGRITY | RESULTS
Tracy Nelson DRE 01841691
East Bay Area
www.SoldByTracyNelson.com 01434204
Social Handle: @EastBayAreaRealtor TracyCNelson@gmail.com
2021 Top Individual Agent East County Keller Williams Top 1% Elite Agent Keller Williams Northern CA/Hawaii
Contact me today! 925.872.0400 ‘The Best Move You’ll Ever Make’
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It’s Harvest Time for Homebuyers. Brentwood Homes Now Selling From the $1Ms There’s a bumper crop; come take your pick. The thoughtfully designed homes of Orchard Trails make it easy. Located in Brentwood, full of parks, trails and small town charm, you’ll find 4–6 bedrooms, up to 4.5 bathrooms, and flexible floor plans. Here, your family can grow and thrive. To learn more, visit SheaHomes.com/OrchardTrails or call 1-866-OWN-SHEA.
Models Now Open—Schedule a Tour
BY S H E A H O M E S
Sales: Shea Homes Marketing Company (CalDRE #01378646); Construction: Shea Homes Limited Partnership (CSLB #855368). This is not an offer for real estate for sale, nor solicitation of an offer to buy to residents of any state or province in which registration and other legal requirements have not been fulfilled. Trademarks are property of their respective owners. Equal Housing Opportunity.
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MARCH 18, 2022
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A concierge in a volatile housing market DAWNMARIE FEHR
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pring is blooming in East County, but the housing market is still bare, with low inventory
and high prices. Real estate agent Tracy Nelson can help prospective buyers and sellers navigate writing and accepting offers in the current unpredictable market where properties need less than a week to garner multiple offers. Nelson began working in the real estate and mortgage industry in 2004 and became a licensed Realtor in California in 2012. She works at the local Brentwood Keller Williams office, where she was the 2021 top agent in the office and is in the top 1% for her region of Northern California and Hawaii. The services she offers her clients set her apart from the competition. “I offer concierge services to sellers, where if they need minor repairs or services ON THE COVER: Real estate agent Tracy Nelson works at the Brentwood Keller Williams office. She can help customers write and accept offers in any housing market.
in their homes prior to listing – including staging – myself and my team handle all that,” Nelson said. “I stage and offer house cleaning on every listing for free, and the other side is if someone has some repairs or sprucing up that needs to be done prior to listing, I have a program where I pay for that up front and then those costs are reimbursed by the seller to me through escrow.” Nelson said many of her clients come to her after seeing the quality of her listing videos and other marketing materials. “For me, it’s the repeat business by the same clients that I love,” she said. “I just helped a client, and it was the fifth escrow we’ve done together. Those clients to me, who have become friends, refer me outward to people they know due to the relationship we’ve built.” Paul Rioux of Brentwood is one of Nelson’s many repeat customers. He said between himself and his children, his family has closed five transactions with Nelson in the last five years. He keeps going back to Nelson for the attention to detail and effort she puts into everything she does. “Every time we do something with her, it’s remarkable,” Rioux said. “The purchase and the sale of property is fantastic. She goes out of her way to help you, she prices things with knowledge of the marketplace, and every time we sell something, we get
Photo by Melissa van Ruiten
Tracy Nelson was the 2021 top agent in the Brentwood Keller Williams office and is in the top 1% for her region of Northern California and Hawaii. an amount over the amount we thought was a good asking price. She is a good negotiator and goes out of her way to ensure a successful engagement.” In addition to buying and selling all over the East Bay Area, Nelson also works to give back to her community. She said she is a strong supporter of local small businesses and nonprofits and derives satisfac-
tion from helping others succeed in their endeavors. “Helping others build up their business and helping them thrive makes our whole community thrive,” she said. “Things work better when we all support each other. For me, it’s getting involved with the community on every level and finding out what people need and want and spreading awareness.” Nelson hosts neighborhood events, schedules food trucks throughout town, and donates to the local Shepherd’s Gate. She also participates in Keller Williams’ ‘Red Day,’ which is their annual day of giving back to the community. Last year they held a school backpack drive, gathering, and filling over 700 backpacks with school supplies and nonperishable food items for local kids. Nelson lives in East County with her husband, Nathan Nelson, who is in the mortgage industry. They have four children, three of whom still live at home. She is involved in her kid’s local schools and Little League programs and loves to participate in all the events in downtown Brentwood. To contact Nelson about buying or selling a home, or for more information, call 925-872-0400, visit www.soldbytracynelson.com or follow Nelson on social media platforms under the handle @ eastbayarearealtor.
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The top 5 hottest home building trends
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or tiny minimalist homes, trends are all about your Whether you’re shopping for a new home, renovating your own or creating a new build from scratch, you can get inspiration from the latest trends.
family’s lifestyle, whether the
construction be net-zero – eliminating greenhouse gases – or net-positive (a new way of business that puts more back into society and the environment than it removes). Whether you’re shopping for a new home, renovating your own or creating a new build from scratch, here are some of the biggest trends you need to know for inspiration. ♦ Sustainable design: This one has been popular for a long time, but green design has evolved to be about much more than energy-efficient appliances and LED light bulbs. Now, it’s all about making sure everything in your home reduces your carbon footprint and minimizes any harm to the environment. To try the trend yourself, think big and get creative. Install solar panels on your roof, choose building materials that don’t require deforestation and upcycle old furniture for decorative elements instead of buying new. ♦ Disaster resilience: Climate change affects us in so many negative ways,
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and one of the top concerns is the increase in natural disasters. From wildfires that last for months to major floods that affect entire cities, we now need to prepare for the worst when building our homes. Switching to disaster-resilient materials is an important first step. Many builders now prefer to use stronger, more energy-efficient materials like insulated concrete forms ( they hold fresh concrete in place permanently to provide insulation for the structure they enclose) instead of more traditional materials like wood. For
example, Nudura insulated concrete forms can withstand winds of up to 250 miles per hour (equivalent to an F4 tornado) and offer a fire protection rating of up to four hours. Outdoor living: You can design a full living space outside, complete with an outdoor television and comfy couches, as well as a kitchen and refrigerator for entertaining. Consider adding a fireplace or fire pit to keep warm during cool, summer nights and enjoy the outdoors through spring, fall and even winter if you’re brave.
Home automation: This is another longstanding trend that shows no signs of slowing down. It can make a home more comfortable and convenient. From an oven that can be turned on remotely to preheat, to skylights that can open and close automatically to create the perfect ambient temperature, there are more ways than ever to integrate smart home technology into your living space. You can start small with voice assistant and smart light bulbs and work your way up to a total smart home system that includes home security, temperature controls and all your electronic devices. Customization: You don’t have to settle for what mass manufacturers decide to build, or what works for everyone else. Creating a home that’s as unique as you are is the latest trend, with custom-built storage and personalized architectural features to make your space stand out. You can even go as far as building a custom home that’s suited to your family. Older home demolitions and purchasing land-only properties is becoming more common, allowing you to work with an architect to create exactly what you want with a new build. Find more information about the benefits of building a home with insulated concrete forms at www.nudura.com. – Courtesy of Metro Creative
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To refinance or not to refinance? Some thoughts to help you decide DAWNMARIE FEHR
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here are many things to consider before refinancing your existing mortgage. Under the threat of rising interest rates, some
people might feel now is a good time to refinance, but an experienced loan broker will tell you there are more things to consider than just rates. “Now might be a good time for you to refi,” said Michelle Paxton of Guild Mortgage. “We review your current mortgage interest rate and payment, and we see what today’s rates are, which are still very, very low. We can help you make that decision.” Paxton noted younger generations – especially millennials and Generation Z – often think rates over 4% are too high, but she noted even a 4% rate is historically low. A lower rate isn’t the only reason to refinance a mortgage though. “It could make sense to refinance if you have an FHA loan,” said Jim Graydon, broker and owner at All Phase Brokers, of Federal Housing Administration loans. “If you are paying $200 to $400 a month in mortgage insurance with an FHA loan, it might make sense to refinance to a conforming loan. With a new conventional loan, you will save the mortgage insurance payment each month even if you got the same rate.”
A common reason to refinance a mortgage is to pull cash out and pay off high-interest debts or credit cards, or to get cash to update or renovate the home. Graydon also suggested a way to save even more money on a new loan with a lower rate. “Accelerate your payments,” he said. “Even if you only got a slightly lower rate, and accelerate your payments by paying a little more than your scheduled payment each month, or paying what you used to on the old loan, you might drop your loan to 20 years just by paying a little extra.” He also said looking at loans with shorter terms can be beneficial. Loans with 15- or 20-year terms have lower rates than those with 30 year amortizations. Paxton said before beginning the process, home owners should be aware it can be tedious. “If you haven’t refinanced in a while, it is a full documentation loan, meaning application, credit report, all the finances,” she said. “It’s actually getting a little easier over the years, and I tell people as much as I can up front, it will be about a
MARCH 18, 2022
There are several factors to consider when choosing whether or not to refinance your existing mortgage.
Photo by Metro Creative
30-day process total, and there are closing costs, and people should know that. Every lender, whether they’re a banking institution or broker, there are always closing costs, and those are standard, and they run about $3,000 in total. We can put that in the loan, so there’s no out-of-pocket expense.” Michelle Paxton works in Guild Mortgage’s Brentwood office, 201 Sand Creek Road, Suite L, Brentwood. For more information, call 408-891-0090 or visit www.bit. ly/36oiRko_indy. Jim Graydon is the broker/owner of All Phase Brokers in Brentwood. For more information, call 925-584-9886 or visit www.allphasebrokers.com.
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Tracie Schmidt NMLS# 269424 tracie.schmidt@supremelending.com Notices. Everett Financial, Inc. dba Supreme Lending, NMLS ID #2129 (www.nmlsconsumeraccess.org), 14801 Quorum Drive, Suite 300, Dallas, TX 75254 (877-350-5225). Solicitations made to and applications accepted from residents in CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice and may not be available in all states. All products are subject to credit and property approval. Supreme Lending is not affiliated with any government agency. Copyright © 2022. Everett Financial, Inc. dba Supreme Lending. All rights reserved. Equal Housing Opportunity Lender.
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Simple strategies to meet the neighbors after moving
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lot goes into building
If you grew up in the area where you recently moved, some of your neighbors likely did as well. Telling stories about your school days and/or local hotspots can be a great way to break the ice. Don’t hesitate to ask your own questions as well. That might reveal some common interests that can serve as strong foundations for budding relationships.
safe, strong communities. While no single factor can
be highlighted as more important than another in regard to building strong communities, a willingness by residents to connect with
Host a backyard barbecue
their neighbors can benefit local neighborhoods and the people who call them home. According to Mental Health America, a community-based nonprofit dedicated to promoting the mental health of all Americans, research has shown that social connections increase happiness and lead to improved overall health and even longer lives. Adults may find that establishing a connection with their communities, and maintaining that connection while juggling the responsibilities of work and a family, is not always easy. That’s especially so for adults who have recently relocated to new areas. Reaching out to neighbors can help adults to build new, beneficial relationships as individuals and strengthen their communities. Strong communities are built around people. When moving to a new area,
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Reaching out to neighbors can be a great way for adults to build new relationships that can benefit them as individuals and strengthen their communities. adults can overcome the challenges such relocations present by taking various steps to connect with their new neighbors. Among them:
Don’t be shy
People often want to know who’s living next door, so adults who have recently moved need not be shy about introducing themselves to their new
neighbors. Say ‘hi’ and tell them what inspired you to move there.
Answer and ask questions
Neighbors will ask questions when you introduce yourself, so be ready to answer them. Questions may focus on your career and where you grew up.
Backyard barbecues are laid-back affairs, and that pressure-free atmosphere is perfect for meeting new neighbors. Once you have settled in, invite a handful of your neighbors over for the barbecue. If you have children, invite neighbors who also are parents, ideally ones whose children are the same age as your own. Kids have sparked many a conversation, and discussions about local schools, parks and programs for youngsters can be great ice breakers.
Volunteer
Volunteering is another great way to meet new neighbors. Giving your time to an organization whose mission you identify with may be even better, as you’re likely to find like-minded neighbors who share your passions when working with such groups. – Courtesy of Metro Creative
We are excited to announce we are expanding our team! At Prosper Real Estate, we are committed to Changing Lives With The Power of Real Estate. Although we work to change the lives of our clients, we are just as driven to change the lives of the real estate professionals on our team. Are you looking for a team who provides: Daily Buyer & Seller Lead Opportunities from Multiple Sources
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We helped over 100 families sell or purchase homes in 2021. Ready to join our team? Let’s grow together. Invest in yourself and join a Local Team on pace to close $100 million in sales in 2022. Stop by our new office, located at 141 Sand Creek Rd in Brentwood, CA, or call us at 925-819-1072 today to see if you are ready to Prosper with Prosper Real Estate.
925.819.1072
• 141 Sand Creek Rd, Brentwood
MARK SCHWELLER
HEATHER WINHAM
925.819.1072
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5 Floorplans Single and Two Story Homes Approximatley 1,918-2,980 Sq. Ft. 4-5 Bedrooms 3-4 Bathrooms 2-3 Car Garages 1391 Mallard Lane, Oakley, CA 94561 (925) 390-5546 cypressestates@discoveryhomes.com discoveryhomes.com
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Timeshares: Are they right for you?
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any people turn to timeshares as a way to enjoy annual vacations.
But is investing in a timeshare a financially sound decision? That depends on whom you ask. Getting the facts about how timeshares work and learning a few tricks can help anyone make an educated decision about timeshares. In a timeshare, individuals purchase a property as a place to stay while on vacation. They typically can then use this room and the surrounding amenities once per year, and often must travel to the same location time and again. Timeshares long have held appeal because they are marketed toward people who may not be able to buy a vacation home, but still want to vacation each year.
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Learn how to navigate timeshare options to find out if they’re a smart purchase for you. There are some advantages to timeshares. They provide a guaranteed vacation destination each year in a familiar
Matthew Anderson
DRE#01417175
Your Hometown Realtor ® Making your new home a reality! 9030 Brentwood Blvd., Suite H Brentwood • (925) 584-6761 matthew.anderson1@yahoo.com
www.eastcontracostacountyrealestate.com
THINKING THINKINGABOUT ABOUT
SELLING SELLING YOUR YOUR HOME HOME OR ORREFINANCING REFINANCINGITIT?? SELL SELLWITH WITHAANEIGHBOR! NEIGHBOR! I’M I’MTHE THELOCAL LOCALROSE ROSEGARDEN GARDENAREA AREAAGENT AGENTYOU YOUNEED! NEED!
place. This is great for people who value familiarity. Timeshares also make it possible to afford a vacation in an expensive resort. Sometimes a person can trade times or locations with other timeshare owners, enabling more versatility and new destination experiences. For those who have to skip a year, it may be possible to sublet the timeshare or let family and friends use it if the agreement allows. Timeshares have some notable drawbacks as well. One is cost-efficiency. The American Resort Development
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Association, a trade group for timeshare companies, says that the average cost of a timeshare is about $20,000, with an annual maintenance fee of $660. Those fees are paid even if the resort isn’t used that year. Chances are a person can get a comparable vacation elsewhere for a lower cost, especially with the abundance of vacation property rentals available from traditional hotels as well as websites such as Airbnb. A timeshare is not like a traditional real estate investment. According to Investopedia, it is an illiquid asset that is likely to lose value over time. Those who decide to sell their timeshares often find they must do so at a deep discount. Furthermore, those who sell a timeshare at a loss may find that the Internal Revenue Service doesn’t let them claim a capital loss, which is often the case with other investments and property. To make timeshares work, individuals can opt to buy used, which is often at a fraction of the cost offered new by resort developers. Also, a timeshare is a lifestyle purchase, not exactly a real estate investment. Timeshares are not a way to turn a profit. Try to purchase in desirable locations as well. Doing so increases the likelihood of resale in the future. – Courtesy of Metro Creative
The Debbie Anthony Team
The Debbie Anthony Team Local Realtors living where they work. Debbie lives in Brentwood in Summerset and Ronda lives in Discovery Bay at the Lakes. Representing both buyers and sellers in the HOT Sellers market.
I’M I’MYOUR YOURNEIGHBOR NEIGHBOR JAMES JAMES W.W. GRAYDON GRAYDON
MORTGAGE MORTGAGE & REAL & REAL ESTATE ESTATE BROKER BROKER DREDRE License# License# 01236065 01236065 NMLS:995241 NMLS:995241
VISIT VISIT US US ATAT WWW.XXXXX.COM WWW.XXXXX.COM TO TO GET GET AaA HOME HOME VALUATION! VALUATION! Visit www.allphasebrokers.com for FREE Valuation! FREE FREEHome DRE# DRE# 01869812 01869812
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It’s still a great time to sell since median homes have risen 14.1% since last year. I recently sold 219 Heartwood in Oakley CA in 6 days for $76,000 over the list price! Call or Text me 24/7 if you would like to discuss your options.
2858 Spanish Bay Drive Brentwood
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Agents and brokers – what’s the difference?
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eal estate transactions often involve lots of money. As a result, it’s common for both
buyers and sellers to enlist the services of a host of professionals with real estate experience. Both buyers and sellers may work with real estate agents and/or real estate brokers to buy or sell their homes. Agents and brokers are not one and the same, and there are some important distinctions between the two. ♦ Real estate agent According to Realtor.com, real estate agents are professionally licensed individuals who can help both buyers and sellers. Agents also may help property owners rent their homes. The amount of training real estate agents need to earn their licenses varies by state. Once individuals finish their required training, they must take a written exam that tests their knowledge of federal real estate laws and general principles as well as the laws specific to the state in which they want to become licensed. Only after passing this exam do individuals become recognized real estate agents. Investopedia.com notes that achieving
agent status is the starting point for most real estate professionals. ♦ Real estate broker Real estate brokers are those professionals who have continued their education past the agent level and obtained a broker’s license. Each state has its own requirements in regard to becoming a licensed broker, but education and examinations are necessary regardless of where a person lives. Realtor.com notes that the extra coursework to earn a broker’s license focuses on various topics, including ethics, contracts, taxes, and insurance. Agents may learn about these topics as well, but coursework for prospective brokers goes into more depth than it does at the agent level. Brokers also will study and learn about legal issues in regard to real estate, including brokerage operations, real estate investments, construction, and property management. Requirements vary, but Realtor.com notes that brokers often must work as licensed real estate agents for no less than three years before they can earn their broker’s license. There is more than one type of real estate broker. Principal/designated brokers oversee all agents at a given firm and ensure the agents act in compliance with all real estate laws. Managing brokers tend to focus on the hiring and training of agents.
Tap Into Healthier Water for Your Entire Family
Your Home Mortgage Advisor I care about your short and longterm goals. Let me help you: Purchase any property. Refinance to save money, get rid of your PMI, mortgage insurance. Take cash out to pay off debt or purchase another property. Find the loan that fits your life today and tomorrow.
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Home loans are all we do. We have every type of loan.
Michelle Paxton
Sr. Mortgage Loan Advisor 201 Sand Creek Rd., Suite L Brentwood, CA 94513 M: 408-891-0090 | F: 925-905-7159 mpaxton@guildmortgage.net www.guildmortgage.com/michellepaxton NMLS# 831343 | Company NMLS # 3274 | Equal Housing Opportunity
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www.guildmortgage.com/michellepaxton Guild Mortgage Company is an Equal Housing Lender; NMLS #3274, Michelle Paxton NMLS #831343. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. (18-1399)
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Todd’s Quality Home Inspections
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Taking time to do it right... Complete Home Inspection ✔ Roofing ✔ Crawlspace ✔ Condominums Call Todd Yeakley, Certified Inspector
925-698-7041
Patrick McCarran “Know Your Options”
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Exterior renovations could add value to a home and give it that coveted “wow” factor.
What to know before listing your house
DAWNMARIE FEHR
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utting a house on the market is a big decision and comes with a seemingly endless list
of decisions.
• Text or email for a buyer handbook • Sellers ask for a free list of staging tips • Contact me for a FREE Market Evaluation
(925)
899-5536
www.CallPatrick.com pmccarran@yahoo.com
Patrick McCarran DRE# 01325072 In association with Realty One Group Elite DRE#01931601
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Homeowners can choose to put minimal work into their residences and list them “as-is” or they can maximize their profit potential by making repairs and updating the look of the house. Patrick McCarran has worked in real estate, including as a Realtor, in East County for two decades. He said creating curb appeal – from the sidewalk, through the house and to the back yard – creates what he calls the “wow factor.” “We can do full staging, where you pull all your stuff out and we bring in the furniture, or we can just rearrange your furniture,” he said. “We like to go neutral so people can picture their things in the space.”
CREATE YOUR DREAM BATHROOM
Another thing to consider is the condition of the home. McCarran said he advises his clients to get termite and home inspections up front. “That allows you to know what you’re dealing with and your buyers to know what they’re dealing with,” he said. “It helps everyone to know what’s going on and the buyer can make an informed offer, often without contingencies.” McCarran also recommended consulting your Realtor before making any big changes, such as putting in new flooring or painting. Replacement isn’t always necessary, and if it is, it’s best to go with soft, neutral shades, rather than brighter colors. An experienced Realtor can help you decide where to invest your money to get the most out of it. He also warned that what you put into a house, you may not get back out of in the sale. “In my opinion, solar does not benefit a seller as much as people think it will,” he said. see Listing page 13B
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Peggy Ann Valley Sr. Mortgage Consultant
There are several factors to consider before listing a home
As a top – producing loan officer, her clients say she makes a hard process smooth.
Photo by Metro Creative
Listing from page 12B “There are a lot of things you don’t get dollarfor-dollar return, and solar is one of them. It’s like a pool; you’ll get 10%-20% on it.” Matt Anderson is another local Realtor with many years of experience. He said sellers need to ensure they price their houses appropriately, not going too far above or below current market value. He also said the highest offer isn’t necessarily the best offer. “You have the terms that need to be considered. Price is just one aspect of an offer,” Anderson said. “Terms are important. There are different loan types and appraisal issues to consider … Don’t always go with a cash offer; they can be fickle because they know they have the upper hand. Someone with a loan may not have the same amount of leverage and might be a better bet.”
Anderson also said offers contingent on selling another home may not be bad, since that buyer will be locked into the transaction once their home sells. And sellers should not be quick to dismiss requests for repairs, especially when they are based on a home inspection. He said that some buyers will choose to pay for a home inspection even if the seller has already done so and has the proof documents. Patrick McCarran is a real estate broker associate with Realty One in Brentwood. For more information, call 925-899-5536 or visit www.callpatrick.com. Matt Anderson is an agent with JDK and Associates Realty Inc. For more information, call 925-584-6761, email matthew.anderson1@yahoo.com or visit www.eastcontracostacountyrealestate.com.
Cell: (925) 890-5255
peggy.valley@preferredrate.com
With family in the military, law enforcement and education, Peggy is excited about the new H.E.L.P. program, which honors and helps all who serve.
NMLS# 221369 DRE# 01000599
Call or Text me at 925.890.5255 for immediate service. - Peggy Ann Valley
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MARCH 18, 2022
Factors to consider before investing in real estate
T
he appreciation of real
flipped properties declined for the third straight year in 2020. Though flipping can still yield a strong return, investors may not realize the returns on flipped properties that they might have realized as recently as five years ago. Potential investors should conduct some research regarding real estate market trends, including flipping data where available, to make the most informed decision possible.
estate over time has long made owning a home or
an investment property a sound financial strategy. Prospective home buyers spend considerable time looking for a property they’re hoping to call home. Various factors, including property taxes and the reputation of local schools, may be considered as homeowners decide where to look for a new home. That vetting process is equally important, albeit slightly different, when buyers are considering investing in properties they don’t intend to live in. Real estate can be a great way to diversify an investment portfolio and earn extra income. Before shopping for an investment property, novice investors may want to consider certain factors to determine if real estate is the best investment vehicle for them.
Rental potential and the local labor force Location is a significant factor to consider when investing in real estate, but recent shifts in how and where people work could change the real estate investment landscape. A 2020 Gartner,
Condition of the property
Photo by Metro Creative
Novice investors may want to consider certain factors to determine if real estate is the best investment vehicle for them.
Inc., survey of more than 300 financial executives and leaders in the finance industry found that roughly 25 percent will move at least one out of every five of their on-site workers to permanently remote positions in the years ahead. Economists note that this shift to remote working could be among the more lasting trends to emerge from the pandemic. Before investing in real estate, prospective investors should examine local trends to
see if more and more locals are working remotely, and whether or not that’s affecting the market for rentals.
To flip or not to flip
Flipping properties (selling a property for more than its purchase price) gained popularity in the second decade of this century, but figures from the property database curator ATTOM Data Solutions indicate that returns on investments in
Inventory shortages were another trend to emerge during the COVID19 pandemic, and disruptions to the supply chain will not necessarily go away anytime soon. In addition, the cost of various products associated with home improvements, including lumber, skyrocketed during the pandemic. The National Association of Home Builders noted that while lumber prices declined in 2021, the price of lumber packages quoted to builders remained high. That means real estate investors who invest in properties that will need work could be forced to pay a lot to fix these properties. And ongoing supply chain problems could extend the time it takes to renovate a property. Investors must be able to bear these costs and lag times to make the most off their real estate investments. – Courtesy of Metro Creative
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15B
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REAL ESTATE GUIDE
MARCH 18, 2022
HELOC or Reverse Mortgage Line of Credit – Aren’t they all the same?
T
he simple answer is no. They are different. A Home Equity Line of Credit (HELOC) from your local bank, or credit union,
is completely different from a Reverse Mortgage Line of Credit. They differ in how they work, their purpose, and how they are repaid. Each is appropriate at different times in people’s lives. The biggest difference is in how and when payments need to be made. Traditional Home Equity Line of Credit: With a HELOC from your bank, you have to make a monthly payment. Often it is an interest-only payment for a period of time, usually for the duration of the draw period, which is normally 10 years. This payment is usually small and, therefore, enticing on the surface. Remember because it is interest-only your balance never goes down. So, let’s say you are 65 and thinking about retiring but you know you want to take out a Home Equity Line of Credit. Since you have to “qualify” for a HELOC you want to get it set up while you still have income. At 67 you decide to pull the trigger. You announce your retirement, there is a party, and you get a gold watch. All is good. You are ready to have some fun now. There has been a pretty dramatic reduction in your income, but probably not a huge reduction in your expenses. You are still young. You want to travel, enjoy life, go to the city, the beach, out to dinner, skiing, etc. And what better way to supplement your early retirement years than by drawing on the conveniently placed HELOC. I often see people borrow from the HELOC for vacation, monthly bills, car repair, etc. which is why they took it out but the devil is in the details. What I see happen all the time is they also borrow against it to make the payment. Each time they borrow against it, the balance goes higher and, therefore, the payment is higher. Then people borrow more to make the higher payment. This goes on until the borrowing limit is reached at which point there is no more money to borrow but there is still a payment to be made each month. This is scenario number one. When they reach out to us, we hope there is enough equity remaining to allow the reverse mortgage program to pay off both the first mortgage and the HELOC. It is unfortunate that frequently the HELOC is the deal killer. There just is not enough reverse mortgage loan available to pay off both loans. The option is to sell the house. Scenario number two. The draw period is only for the first 10 years. After that comes the repayment period, which is most often 20 years. The real kicker is that the HELOC resets at the end of the 10-year draw period. The initial 10-year draw period is the time during which you can pull money from your line of credit and pay just the interest-only amount. At the end of that draw period, the loan resets to a fully amortizing payment over a 20-year period. The double-whammy is that you now have to pay enough principal and – of course, the interest – to fully
pay off the loan over a relatively short period of time – 20 years. This can result in a huge payment increase virtually overnight. Again, once you reach out to us, we can just hope that there is enough equity to still do a reverse mortgage. If there is not, the option is to sell the house. Keep in mind, the traditional HELOC can be frozen, reduced, or closed at the whim of the lender. When property values get a little wobbly, the first thing the banks do is lock up those lines of credit, and the second thing they do is close them. When the economy starts to tremble a bit, even if values are solid, yep, you guessed it, the banks freeze your line of credit, likely when it would be most beneficial to you. Reverse Mortgage Line of Credit: In the reverse mortgage world, the phrase “the option is to sell your house” does not exist as long as you do these five things; Pay your property taxes, homeowners’ insurance, and Homeowner Association, if any; And Live in your home and maintain your home. Once you have the reverse mortgage, it is really simple. Do these five things and you are now in control of your own future. And because there are no principal and interest payments due, you do not ever have to worry about falling behind in your payments and losing your home. Talk about flexibility, with the reverse mortgage line of credit, you can make payments if you want to but you do not ever have to make a payment. Also, it does not ever reset, so there is no double whammy where your “payment” could increase dramatically. A Reverse Mortgage Line of Credit allows you to access your funds as often as you like with no fee to do so. One of the greatest features of the FHA insured Reverse Mortgage Line of Credit is that it cannot be reduced, frozen, or closed as long as you meet the terms of the loan – do those five things. As long as you do those five things your reverse mortgage line of credit will remain available to you regardless of the value of your home. YES! Even if values decline and you even end up underwater, as long as you are doing those five things, your line of credit will still be accessible to you. The cherry on top is that the unused portion of the line of credit grows. Yes, that is right – it grows. Each month there is a little bit more available to you. The rate at which it grows is your interest rate + .500%. If your interest rate is 3.00%, your line is growing at 3.50%. A $200,000 line of credit will grow by approximately $7,000 per year. That is $583 per month. It is clear, without any doubt, that a Reverse Mortgage Line of Credit is the better solution for most seniors. Seniors are living on fixed income, likely less than what they were bringing home when they were working. The last thing they should consider is a loan where the payment is going to increase over time just based on loan amount, then sky rocket once it resets, and… access to the funds is in jeopardy even if you hold up your end of the bargain. The traditional HELOC is a great product for younger people whose career is on the upswing, their income is increasing, and they can afford the increasing payments. If you are looking for ways to increase your cash flow, or to set up an emergency safety net, please give me a call. It is so important to look at all your options
Beth Miller-Rowe has been in the mortgage industry for 38 years specializing in reverse mortgages for the past 12 years. Beth has degrees in economics and business administration. and educate yourself. Don’t listen to myths and rumors. Give me 20 minutes of your time and let me explain the program and process, go over the costs, and talk about what your goals are. Then we can talk about whether a reverse mortgage can help you to achieve those goals. I am low key. I will explain everything and then leave the package with you so that you can review it, mull it over, talk it over. Then if you decide it is right for you, give me a call back and we will move forward. – Advertorial
Let’s take a look and see if we can Make Your Retirement Dreams Come True.
Beth Miller-Rowe NMLS: 294774
Branch Manager and Reverse Mortgage Specialist
The Reverse Mortgage Group • A Division of American Pacific Mortgage Corp.
Office: 925-969-0380 Cell: 925-381-8264 Beth@YourReverse.com
3478 Buskirk Ave., Ste. 1000 Pleasant Hill, CA 94523
Your Retirement Dreams Can Come True! A Division of American Pacific Mortgage Corporation NMLS 1850
DRE: 00950759/01215943 • NMLS: 294774/831612/1850 Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act
*Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency. **American Pacific Mortgage Corporation is not financial service company or licensed tax advisors; the material provided is for informational and educational purposes only and should not be construed as investment, tax and/or mortgage advice. Although the material is deemed to be accurate and reliable, there is no guarantee it is without errors. We are not financial or tax advisors, please contact your financial professional for your personal financial situation.