HOMES HOMES LISTED AND SOLD BY RAMIRO & ERICA | 626-497-4606 | RAMIROANDERICA.COM
WINTER 2013-14
RAMIRO & ERICA RIVAS JOHN AAROE GROUP 42 S. PASADENA AVE. PASADENA, CA 91105
SOLD
SELLING HOMES SINCE 2003
RAMIRO & ERICA RIVAS
*********ECRWSSEDDM**** Postal Customer City, State 5-Digit ZIP Code
6221 MONTEREY RD, MONTEREY HILLS
$440,000
Facebook.com/RivasAndAssociates Youtube.com/RivasAndAssociates
DOWNTOWN LA LOFT FOR SALE
Lake front cabin rental in Big Bear, CA
1130 S. FLOWER ST. UNIT 105 Live/Work loft Located across the street from the Staples Center.
CABIN GETAWAYS IN BIG BEAR, CA Big Bear Lake is a unique mountain resort community located 100 miles northeast of Los Angeles and surrounded by the San Bernardino National Forest. About 21,000 residents make their home here full-time. Big Bear's unparalleled trails and terrain parks at Snow Summit and Bear Mountain are a haven for skiers and snowboarders. In town, stroll through picturesque village shops adorned with icicles hanging from rooftops, then warm up with a mug of hot cocoa inside a cozy diner. Take time out with your kids for classic winter fun and go sledding or tubing at designated snow play areas.
BIG BEAR CABIN RENTALS
There is an immense selection of cabin rentals in Big Bear, and depending on the location of the cabin, there is a wide array of price points on the cabin rentals. The further away from the ski lodges and the lake, the lower the nightly/weekly rates are, from $100/night and up.
OWN A BIG BEAR CABIN
Owning a cabin in Big Bear is highly obtainable as they start at very affordable price ranges. A rental is a great investment opportunity due to the fact that it is easily rented out year round, since it is a destination for visitors during all seasons. Summers are busy, as people come to go boating in the lake and hiking in the local trails, and obviously Big Bear is known for it’s snowboarding and skiing in the winter. In the Fall there is Oktoberfest in town, and in Spring, it’s especially busy during Spring break. Prices of cabins in Big Bear start around $60,000 for small cabins, and range up to $4 Mill for gated lake front, luxury estates. Visit www.RamiroAndErica.com/Big-Bear to view all Big Bear cabins currently for sale.
RAMIRO & ERICA ARE PROUD SUPPORTERS OF THE PASADENA HUMANE SOCIETY & ASPCA
Homes & Lifestyle | Ramiro and Erica Rivas All rights reserved 2013
JOHN AAROE GROUP
626-497-4606 Info@RamiroAndErica.com WANT YOUR HOME SOLD? We have advanced marketing techniques that will give your home a competitive edge to get it sold fast. BUYING? Considering buying while interest rates are low? We specialize in negotiating our buyers the best offer. WE REPRESENT: ◊ Selling of Architectural homes ◊ Selling of single family homes,
Condos & Lofts ◊ Buyer Representation ◊ Short Sales ◊ Leasing ◊ Commercial/Investment
RAMIROANDERICA.COM
HOME DESIGNING ON A BUDGET
LENDERS LOOSENING HOME LOAN REQUIREMENTS
FALL QUARTER
HOUSE AVG PRICE SOLD $819,000
Reports show the average accessibility score for U.S. borrowers rose from 103 to 106 between July and August, indicating that borrowers had easier access to mortgage credit. The Credit Accessibility score is benchmarked at 100, using data from the full year of 2012, which is where it stood in June. In what might be good news for Realtors but bad news for lenders, purchase loans will soon account for a bigger piece of the mortgage loan origination pie than refinancings, a recent report by Ellie Mae suggests. As mortgage rates rise and the refi boom cools, lenders may get more aggressive about competing for business from homebuyers, loosening their underwriting standards in the process. As home prices rise, refinance activity slows and government programs change, potential borrowers are, in fact, finding it easier to gain access to credit. That’s because lenders are easing up on down payment and credit score requirements, while still adhering to conforming loan guidelines.
PASADENA HOUSING MARKET STATISTICS FOR 2013 The Pasadena residential market has been relatively stable and has mostly rebounded from the recent downturn experiencing a nearly 14% increase in sales prices with a $588,800 median housing value. At the point of publication, single family residential homes available ranged from $315,000-$8 Mill, while condos ranged from $215,000 $2.5Mill.
A BOY’S ADVENTURELAND INSPIRED BEDROOM MAKEOVER When school was back in session this year, I decided to take on the task of updating my Stepson, Julian’s, bedroom in our northeast Pasadena home. Fall is a season when we spend more time indoors, and is usually when most people take on the tasks of upgrading and improving dens and bedrooms; the parts of our home where we like to get cozy. Bedrooms can be the simplest room in the home to work on and so my DIY bedroom makeover for Julian’s room was done inexpensively, especially since there is no plumbing to worry about. Knowing that my stepson absolutely loves the adventureland attractions at Disneyland, I went with that theme for his bedroom; sort a voyagers room; safari meets “Pirates of the Carribbean”. Although he’s only five I wanted to create a room that he won’t grow out of in a few years, so I tried not to make the room too juvenile. Wall Paint It is a boy’s room so I went with taupe, which is a more masculine color and also falls in line with current color trends. When choosing wall colors, no matter what room in the house, choose a color that will be cohesive with the rest of the house and may add resale value to the home.
Floor rug: From Home Goods $99. It flows with the worldly, traveled voyager look I was going for. Whatever theme you’re going for in a kids room, it can be easily tied together with the floor rug. Keep in mind darker rugs with patterns don’t show stains as easily.
TOWNHOME AVG PRICE SOLD $508,000
447
461
447 425
406 383 363
Storage: Vintage Chest from the Rose Bowl Swap Meet $50: Storage is crucial for a kids room as a means to put away a plethora of toys and books. For my stepson’s bedroom I picked up a vintage chest because it reminded me of an old treasure chest, keeping with the adventureland theme. Bedding: Faux fur blanket $29 from Costplus World Market. Beige comforter, Anna’s linens $40. Just like a floor rug, the bedding can really tie a room together based on the look that you’re going for. Most important with any bedroom makeover is to have fun and be inspired! -Erica Rivas
RAMIROANDERICA.COM
◊
CONDO AVG PRICE SOLD $588,000
RAMIRO & ERICA RIVAS
◊
WINTER 2013-14
462 424
438
HOME DESIGNING ON A BUDGET
LENDERS LOOSENING HOME LOAN REQUIREMENTS
FALL QUARTER
HOUSE AVG PRICE SOLD $819,000
Reports show the average accessibility score for U.S. borrowers rose from 103 to 106 between July and August, indicating that borrowers had easier access to mortgage credit. The Credit Accessibility score is benchmarked at 100, using data from the full year of 2012, which is where it stood in June. In what might be good news for Realtors but bad news for lenders, purchase loans will soon account for a bigger piece of the mortgage loan origination pie than refinancings, a recent report by Ellie Mae suggests. As mortgage rates rise and the refi boom cools, lenders may get more aggressive about competing for business from homebuyers, loosening their underwriting standards in the process. As home prices rise, refinance activity slows and government programs change, potential borrowers are, in fact, finding it easier to gain access to credit. That’s because lenders are easing up on down payment and credit score requirements, while still adhering to conforming loan guidelines.
PASADENA HOUSING MARKET STATISTICS FOR 2013 The Pasadena residential market has been relatively stable and has mostly rebounded from the recent downturn experiencing a nearly 14% increase in sales prices with a $588,800 median housing value. At the point of publication, single family residential homes available ranged from $315,000-$8 Mill, while condos ranged from $215,000 $2.5Mill.
A BOY’S ADVENTURELAND INSPIRED BEDROOM MAKEOVER When school was back in session this year, I decided to take on the task of updating my Stepson, Julian’s, bedroom in our northeast Pasadena home. Fall is a season when we spend more time indoors, and is usually when most people take on the tasks of upgrading and improving dens and bedrooms; the parts of our home where we like to get cozy. Bedrooms can be the simplest room in the home to work on and so my DIY bedroom makeover for Julian’s room was done inexpensively, especially since there is no plumbing to worry about. Knowing that my stepson absolutely loves the adventureland attractions at Disneyland, I went with that theme for his bedroom; sort a voyagers room; safari meets “Pirates of the Carribbean”. Although he’s only five I wanted to create a room that he won’t grow out of in a few years, so I tried not to make the room too juvenile. Wall Paint It is a boy’s room so I went with taupe, which is a more masculine color and also falls in line with current color trends. When choosing wall colors, no matter what room in the house, choose a color that will be cohesive with the rest of the house and may add resale value to the home.
Floor rug: From Home Goods $99. It flows with the worldly, traveled voyager look I was going for. Whatever theme you’re going for in a kids room, it can be easily tied together with the floor rug. Keep in mind darker rugs with patterns don’t show stains as easily.
TOWNHOME AVG PRICE SOLD $508,000
447
461
447 425
406 383 363
Storage: Vintage Chest from the Rose Bowl Swap Meet $50: Storage is crucial for a kids room as a means to put away a plethora of toys and books. For my stepson’s bedroom I picked up a vintage chest because it reminded me of an old treasure chest, keeping with the adventureland theme. Bedding: Faux fur blanket $29 from Costplus World Market. Beige comforter, Anna’s linens $40. Just like a floor rug, the bedding can really tie a room together based on the look that you’re going for. Most important with any bedroom makeover is to have fun and be inspired! -Erica Rivas
RAMIROANDERICA.COM
◊
CONDO AVG PRICE SOLD $588,000
RAMIRO & ERICA RIVAS
◊
WINTER 2013-14
462 424
438
HOMES HOMES LISTED AND SOLD BY RAMIRO & ERICA | 626-497-4606 | RAMIROANDERICA.COM
WINTER 2013-14
RAMIRO & ERICA RIVAS JOHN AAROE GROUP 42 S. PASADENA AVE. PASADENA, CA 91105
SOLD
SELLING HOMES SINCE 2003
RAMIRO & ERICA RIVAS
*********ECRWSSEDDM**** Postal Customer City, State 5-Digit ZIP Code
6221 MONTEREY RD, MONTEREY HILLS
$440,000
Facebook.com/RivasAndAssociates Youtube.com/RivasAndAssociates
DOWNTOWN LA LOFT FOR SALE
Lake front cabin rental in Big Bear, CA
1130 S. FLOWER ST. UNIT 105 Live/Work loft Located across the street from the Staples Center.
CABIN GETAWAYS IN BIG BEAR, CA Big Bear Lake is a unique mountain resort community located 100 miles northeast of Los Angeles and surrounded by the San Bernardino National Forest. About 21,000 residents make their home here full-time. Big Bear's unparalleled trails and terrain parks at Snow Summit and Bear Mountain are a haven for skiers and snowboarders. In town, stroll through picturesque village shops adorned with icicles hanging from rooftops, then warm up with a mug of hot cocoa inside a cozy diner. Take time out with your kids for classic winter fun and go sledding or tubing at designated snow play areas.
BIG BEAR CABIN RENTALS
There is an immense selection of cabin rentals in Big Bear, and depending on the location of the cabin, there is a wide array of price points on the cabin rentals. The further away from the ski lodges and the lake, the lower the nightly/weekly rates are, from $100/night and up.
OWN A BIG BEAR CABIN
Owning a cabin in Big Bear is highly obtainable as they start at very affordable price ranges. A rental is a great investment opportunity due to the fact that it is easily rented out year round, since it is a destination for visitors during all seasons. Summers are busy, as people come to go boating in the lake and hiking in the local trails, and obviously Big Bear is known for it’s snowboarding and skiing in the winter. In the Fall there is Oktoberfest in town, and in Spring, it’s especially busy during Spring break. Prices of cabins in Big Bear start around $60,000 for small cabins, and range up to $4 Mill for gated lake front, luxury estates. Visit www.RamiroAndErica.com/Big-Bear to view all Big Bear cabins currently for sale.
RAMIRO & ERICA ARE PROUD SUPPORTERS OF THE PASADENA HUMANE SOCIETY & ASPCA
Homes & Lifestyle | Ramiro and Erica Rivas All rights reserved 2013
JOHN AAROE GROUP
626-497-4606 Info@RamiroAndErica.com WANT YOUR HOME SOLD? We have advanced marketing techniques that will give your home a competitive edge to get it sold fast. BUYING? Considering buying while interest rates are low? We specialize in negotiating our buyers the best offer. WE REPRESENT: ◊ Selling of Architectural homes ◊ Selling of single family homes,
Condos & Lofts ◊ Buyer Representation ◊ Short Sales ◊ Leasing ◊ Commercial/Investment
RAMIROANDERICA.COM