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A SUPPLEMENT OF LEE CENTRAL COAST NEWSPAPERS
MARCH/APRIL 2015
A NEW VIEW OF HOME. View Homes Near Village Country Club Priced from the $600,000s
372 Falcon Crest Drive | Vandenberg Village For more information on the homes of Falcon Heights by Williams Homes, turn to page 3.
Featured Stories in this Edition
Mortgages: Shop Around.........................................................................................................................Page 2 Don’t Get Burned ....................................................................................................................................Page 4 Sell Your House Quickly..........................................................................................................................Page 6
Mortgages: Shop around Especially if you are a firsttime homebuyer, knowing where to start looking for a qualified, reputable mortgage lender can be a challenge. Home loans are available from several types of lenders, including commercial banks, mortgage companies and credit unions. Different lenders may quote you different prices, so be sure to contact several potential lenders to make sure you’re getting a fair shake.
you is that many of these fees are negotiable. Some fees are paid when you apply for a loan, and others are paid at closing. If you can’t barter your way down to a lower rate on some of the charges, you may be able to add them to your overall mortgage cost. Be mindful, though, that doing so will increase your loan amount and the total interest you end up paying in the long run.
Do Your Homework
The U. S. Department of Housing and Urban Development (HUD) recommends the following tips when trying to track down a mortgage interest rate that’s right for you: Ask each lender and broker for a list of its current mortgage interest rates and whether the rates being quoted are the lowest for that day or week; Ask whether the rate is fixed
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When compiling total costs for a home loan, don’t forget the fees associate with a loan, including loan origination, underwriting, broker, transaction, settlement and closing costs. These can add up in a hurry, so be ready to add them to your total budgeted amount. What many lenders won’t tell
Shop for the Right Rates
or adjustable, and keep in mind that your monthly payment on an adjustable-rate loan will rise with interest rates; and If the rate quoted is for an adjustable-rate loan, ask how your rate and loan payment will vary.
Consider a Broker
You also can get a home loan through a mortgage broker, who coordinates transactions instead of actually lending you money directly. A broker has access to several lenders and can help you find the best loan terms. Brokers generally will contact several lenders regarding your application and can help optimize your deal if you have contracted them to do so. Just like shopping around for a mortgage, be sure to ask a few different brokers how much they charge for their services.
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Era Polly,
Era Polly rEal EstatE
CRS, G.R.I., CDPE
Broker/Owner Lic.# 01153650
(805) 878-2490
“Personalized & Professional Service at its best” Visit our website at www.EraPollyRealEstate.com
MOST PREFERRED & REFERRED REAL ESTATE
OFFICE LOCATION: 200 EAST CLARK AVE, ORCUTT, CA 93455
PROFESSIONALS
(805) 938-7474 | Toll Free:1-800-586-9457 ING
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EXqUISITE SUPERIOR qUALITY CUSTOM HOME IN OAkHILL ESTATES! Attention to detail not spared in this single story, approx 4,000 sq ft dream home that offers everything you need and much more. 3 bedrooms (could easily be 5 bedrooms), includes Casitas perfect for extended guest or care taker, 4 bath, dream kitchen has gorgeous granite & custom cabinetry, subzero fridge & separate freezer and wine fridge, grand room has attached covered patio perfect for entertaining. 3+ car garage and RV garage with ¼ bath. Awesome views to the Pacific Ocean and backs up to open space beautifully situated on 1 acre.Too much to list. For more information and to schedule a private tour, call Clifford Rhea 260-4154.
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HUNTERS RETREAT! 120 acres of land in the middle of National Forest. Property has three springs. 4,000 gal. water storage, 12x20 unpermitted cabin, solar power. Owner may carry! $350,000. Call Clifford Rhea 260-4154.
Coming Soon!! PIONEER VILLAGE BEAUTY! 4 bedrooms, 2 bath, EDGEWOOD ESTATES IN ORCUTT! Super 1,926 sq ft, RV parking. Call Louie Real for more nice & clean 2 bedroom, 2 bath single story, living information 478-9328. room has fireplace, separate dining area, vaulted ceilings,2 car garage,nicely landscaped & covered patio,HOA includes community park. Perfect place to start or downsize. $295,000. Call Era Polly, 878-2490. ING
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AMAZING VIEWS OF LOMPOC VALLEY all the way to surf beach! Lot size is approx 15,682 sq ft and adjacent parcel which is approx 21,344 sq ft is also included. Both parcels sold together. Some utilities on site. Owner financing possibility. $325,000. Call Brenda Hauenstein at 310-1283.
BUILD YOUR DREAM HOME Located on the East side of Hwy 101 in Rancho Nipomo, this beautiful 10 acre parcel offers several flat areas to build, native oaks, gorgeous views, private entrance & security gate. Utilities nearby. $399,000. Call Era Polly, 878-2490.
EXCELLENT INVESTMENT IN NIPOMO! 2 commercial buildings with ample parking. Approx 2,016 sq ft has 2 showrooms, office, storage & restroom. Approx 2,300 sq ft has 3 showrooms, storage, restroom & garage. Great location & exposure! Call Clifford Rhea, 260-4154 or Era Polly, 878-2490.
A PIECE OF NIPOMO HISTORY! Building is approx 2,425 sq ft, lot size is approx 12,000 sq ft, nice corner location with excellent exposure! For additional information Call Clifford Rhea, 260-4154 or Era Polly , 878-2490
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Sold STUNNING NEWER HOME IN ORCUTT! Super nice 4 BR, 3 BA, approx 1,700 sqft single story in established neighborhood. Living room has beautiful tile fireplace w/wood hearth, separate formal dining room, kitchen has newer appliances & granite counters, Master bedroom has large walk in closet + additional closet,Master bath has large garden tub & separate shower, indoor laundry room + private backyard w/dog run. List of amenities include spacious 9ft ceilings, recessed lighting, plantation style shutters, concrete tile roof & much more! $425,000. Call Steve Wisz at 720-0604.
COMPLETELY REMODELED IN ORCUTT! 4 bedroom, 2 bath, approx 1,874 sq ft, boasts the following amenities: new interior & exterior paint, new windows, new carpet & flooring, new kitchen appliances & beautiful cabinetry, large living room, separate family room & indoor laundry room. Super bright with plenty of south facing windows. Located near award winning schools & shopping. $389,000. Call Steve Wisz 720-0604.
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OWN YOUR OWN LAND IN CASA DEL RIO! NO SPACE RENT! Nice & spacious 2 bedroom, 2 bath, approx 1,440 sq ft features large living room has built in curio cabinet, Master has deep garden tub, separate shower & large walk in closet, 130 sq ft laundry/hobby room, multiple sheds in backyard. HOA incl water. Age restricted park. Park amenities include clubhouse & pool. $154,000. Call Steve Wisz 720-0604.
EVERYTHING NEW FROM SOD TO ROOF IN COUNTRY CLUB VILLAGE! Move in ready 3 bedroom, 2 bath, approx 1,687 sq ft, single story. Features include gorgeous new kitchen with new flooring, cabinets, granite & appliances, new baths, new windows, new LED lighting & windows, new interior/exterior paint, new landscaping front & back & new roof. Hurry! Won’t Last! $385,000. Call Louie Real 478-9328.
From Mobile Homes to Mansions, We are Selling the Central Coast!
Clifford rhea
louie real
Connie real
steve Wisz
Melissa Wisz
Brenda Hauenstein
John Morley
Lic.# 01421273
Lic.# 01507595
Lic.# 01514806
Lic.# 01457307
Lic.# 01464624
Lic.# 01463037
Lic.# 01168596
Realtor Associate
260-4154
Realtor Associate
478-9328
Realtor Associate
354-3554
Se Habla Español
Realtor Associate
720-0604
Realtor Associate
878-3178
Realtor Associate
310-1283
Realtor Associate
344-4440
Lee Central Coast Newspapers | Friday, March 20, 2015 | A3
SOLD IN 1 DAY! - BEAUTIFUL ORCUTT HOME walking distance from OldTown Orcutt fine dining & entertainment. This 4 bedroom, 2 bath beauty will not last. Tastefully updated kitchen with stainless steel appliances. Large, elegant and updated Master bathroom, wood flooring & tile throughout. Easy commute to Vandenberg. $369,900. Call Brenda Hauenstein 310-1283.
Sold
FOXENWOOD ESTATES D PLAN! Features 3 bedrooms,2 baths,approx 2,300 sq ft,vaulted ceilings, formal dining area, detached permitted 1 bedroom with 3/4 bath guest quarters, well maintained, very clean, large lot with fruit trees, nice stick built sun room, great cul de sac location! $499,000. Call Steve Wisz for more information 720-0604.
Don’t Get
Burned Owning your home mortgage free can be a liberating experience, both mentally and financially. And it’s happening more often than you may think. The National Association of Realtors estimates that roughly 30 percent of U.S. homebuyers are now making their purchases 100 percent in cash, compared with only 15 percent in 2008. Even if you’re in great financial shape, it is still wise to consult with a finance professional to evaluate the potential transaction. There are many aspects to consider, including tax impacts that you may overlook.
Know Your Situation
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Besides the obvious savings of not having to pay interest on a mortgage, you also can save money on closing costs and may even win a better negotiation if a seller knows you’re buying in cash. It is still smart to assess your personal circumstances before buying a house with cash. The National Association of Realtors recommends that you consider the following questions
before spending a major portion of your cash reserves: Will you still have plenty of funds set aside for retirement? Will you still have at least six months of emergency funds in a savings account? Do you possess sufficient health, life and disability insurance?
Set Some Goals
Having a clear financial goal for the future of your family can help you decide if buying a house is worth the depletion of a large amount of your savings. In most cases, owning a home free and clear is the ideal situation, considering how much money you will save on interest and closing costs. You also can count on being able to rapidly accrue savings without a mortgage payment, depending on your income level. In the case of an illness in your immediate family, you will have more of your monthly income available to pay for medical bills or related charges because none of your earnings will be going toward a mortgage payment. © Fotolia
Beautiful Home In Foxenwoods Estates With o s Attached & Permitted Guest Quarters! Pride of Ownership Thru-Out This Expansive Property, With 5 Bedrooms, 4 Baths, 3355 Sq Ft, Private & Lush Backyard Entirely On Drip System, Many Upgrades, New Spacious Deck! $645,000! Terrific Home With Land in Desirable 55+ Knollwood Village Senior Park! Open Floor Plan, 2 Bedrooms, 2 Baths, 2 Car Attached Garage, Exterior Painted 3 Years Ago, Refrigerator, Washer/ Dryer Included! Spacious & Charming Patio! Drip System Thru-Out Landscape $219,000.
911 LOUIsa -sUPER LIghT & BRIghT CLassICs hOME IN BRaDLEy sqUaRE ... Open Floor Plan w/Vaulted Ceilings .. 3 Bed- plus EXTRA Room (4th bedroom, Den, or Office) DOWNSTAIRS Light High Grade Carpeting, High Quality Tiled Flooring in Kitchen, Living Room and Entry. Gourmet Kitchen has Upgraded Tiled Counter-tops... Spacious Master with delux Master Bathroom and Walk in closet. Near Crossroads Shopping Center, Award Winning Rotary Centennial Park & Restaurants...$399,000
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DianeAdams 805.570.9099 lic #01103806
955 TERRaCE avE - MOvE-IN REaDy! Very nice home in desirable Orcutt w/3BD/2BA. Freshly painted w/neutral, modern tones. Home has vaulted ceilings & tiled flooring through entry, living area, & kitchen. Brand new carpeting in bedrooms... Nice spacious Master bedroom with HUGE walk-in closet. Bakcyard has been landscaped & has a built-in BBQ, 2 patio areas, one off the living room, & one off the master bedroom. Located in a Cul-de-Sac & conveniently located near parks, shopping, & Orcutt schools. $369,900. N
open houSe Sat & Sun 11am-2pm
412 Brian St-This is a must see home located on the NE side of town.!This home is nice and clean 3 bdrm, 2 bath home features living room, dining area, family room, open kitchen with oak cabinets, wood flooring throughout the home and with carpet in the bedrooms.The backyard features a patio, a shed, and is great for relaxing and entertaining. $332,000
Vivian La Fuente (805)363-0730 BRE #01804415
IO UCT RED E C PRI
805.878.5056
www.aprilhugh4homes@gmail.com Lic #01248453
Being a landlord
Being a landlord can be a profitable experience if you enter the role prepared. The rental segment of the real estate industry was one of the few that actually benefited from the Great Recession. Many people who were foreclosed upon were unable to secure new loans. While the market continues to recover, landlords are still seeing rapid fill rates when it comes to finding tenants for their properties. Many landlords are buying up new properties due to low interest rates and ample inventories of affordable homes. If you’re looking to become an investor in the real estate market by becoming a landlord, there are some things to consider. While low mortgage rates and high renter demand can mean great financial returns on your investment, being a landlord isn’t solely comprised of sitting back and collecting a monthly check.
Maintenance
Do you have a knack for making
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simple repairs around the home? If you answered yes, becoming a landlord may be right up your alley. If you answered no, be sure to devote a budget to paying people who are skilled in performing such tasks. When you rent out a home, things will break. Plumbing will leak, and appliances will stop working. It’s the nature of homeownership. If you’re depending on every cent of rent to pay your own bills, you may not be fully prepared to become a landlord, as you can count on at least a portion of your revenue to be reinvested back into the home to keep it functional and up to code.
The Trust Factor
Handing over the keys of your home to a perfect stranger can be a scary proposition. After all, you’re the one who has put in the hard work to make the home renterready. What if your new tenant doesn’t value or appreciate the sweat equity that went into your efforts? You can protect yourself from bad renters by requiring a credit score or a list of past landlord references. Doing so will help paint a better picture of the candidates vying to fill your property, as well as give you peace of mind when agreeing to become their landlord.
Large Cherrywood estates home offers 4 bedrooms (3 as per tax records), 3 baths, and a 3 car garage. Centrally located in Santa Maria making it close for shopping, schools and freeways. Perfect family home or for any buyers looking for space.
Yolanda Perez (805) 748-7514 BRE#01741813
2615 Skyway Dr. Newer Commercial Building zoned M-1 (Light Manufacturing) with easy access to the Santa Maria Airport or free-ways, approximately 10,500 sq. ft., designed to accommodate up to three facilities with private offices and warehouses with roll-up doors. The owners may entertain the possibilities of leasing.
Sandi Frazier
805.406.4890 Lic #00611325
JOE “Paul” Garcia 805•878•3862 Realtor. lic. #00886743
Jopaulcentury21@verizon.net
Prestigious Hancock Park, custom built single story English Tudor style home. Sliding doors with beveled glass to patio, wood ceiling and fireplace in family room. Great kitchen and master suite. Lots of storage, corner lot with side street garage entry. Marian Hospital, doctors offices, grocery store and shopping close by. $465,000
Bette Naugle® Broker Associate
805.705.7497 lic #0427203
Lee Central Coast Newspapers | Friday, March 20, 2015 | A5
1663 Floyd Ct, Santa Maria Beautiful 3br/ 2ba with a bonus room with closet which could serve as a 4th br. This home is better than new very well maintained inside and out move in ready. It is located in a well established neighborhood. The backyard boasts fruit trees apple,orange,and lemon. Enclosed workshop area in back. The garage features plenty of cabinet space. Seller has priced this property to sell. A must see for your fussiest buyer. All info not verified. $335,000 519 W Taylor St #51 Santa Maria, 2br 2ba 1248 sq.ft mobilhome in a great location appears to have an oversized corner lot featuring fruit trees with lots of possibilities. the avid gardener would have a ball working with the additional lot on side of mobil. This mobil boasts a sunroom for that extra guest. Gets too hot this unit has air conditioning. seller has priced right. All info not guaranteed.$55,000
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SELL YOUR HOUSE QUICKLY The peak home buying season is in the spring, but you may not be in a position to list your property during that time. Just because you miss this window doesn’t mean your home can’t still sell quickly. It all comes down to strategy — and whether you’re willing to compromise on your ideal price to make the sale happen.
Price It Right
We all want a return on our investment, but don’t get attached to the idea of making back every penny you’ve put into your home during your
ownership period. There are likely improvements that won’t necessarily pay for themselves, such as certain cosmetic renovations you may have performed without considering their value to the next owner. One of the first steps you should take is sitting down with your Realtor to discuss a comparable analysis of other homes in your area. Get an understanding of the selling price for homes that are comparable to your home’s size, location and number of bedrooms. If your home has been on the market for longer than a month or two
without any real offers, this could be your first clue that your price is too high. Work with your Realtor to choose a new price that is more in line with the market.
Curb Appeal
Curb appeal is defined as what a person can see of your home from the street. It’s amazing how much of an impact a fresh coat of paint or a well-landscaped lawn can make on a prospective buyer. To make sure you’re setting the right first impression, it is important to consider some basic factors, starting
with landscaping. Is your yard well manicured? Are your flower beds maintained and full of live, blooming flowers? The key to getting a buyer in the front door is catching their attention with your yard and landscaping. Also consider your trees. Are they planted a safe distance away from the home, as to not pose a threat for fire or roof damage in the case of a storm? Are there weak or old branches hanging loosely from the tree? Take care of these issues before putting your home on the market if you want to quickly sell your home.
THERE’S NO PLACE
LIKE HOME.
NOW SELLING!
We’re sure you’ll agree. Come tour our new neighborhoods and discover your new home. NOW SELLING!
Parkland Cottages | Santa Maria Single-Story Detached Homes 1,450 to 1,505 SqFt • 2 & 3 Bedrooms Low-Maintenance Living • Gated Entry From the $300,000s 800.859.8793
Prices effective date of publication, subject to prior sale and availability. Square footage is approximate. Williams Homes, Inc. is a California Broker, License no. 01449126.
NOW SELLING!
Harvest Glen | Santa Maria Single Family Homes 1,623 to 2,639 SqFt No HOA • No Mello-Roos From the high $300,000s 805.922.5552
Lee Central Coast Newspapers | Friday, March 20, 2015 | A7
Falcon Heights | Vandenberg Village Single-Story View Homes 2,779 to 3,494 SqFt • 3 & 4 Bedrooms Large Lots • Views From the $600,000s 805.741.7302
BECOME A HOME INSPECTOR While the housing market continues to climb, there are many opportunities for aspiring professionals. One such career is that of a home inspector. A home inspector makes an average annual salary of $53,450, according to the Bureau of Labor Statistics. It is possible to make much more than the average depending on where you live in the country and whether the housing market has fully recovered where you reside. The more homes being put on the market and sold in your area, the better your chances for success as a home inspector.
Responsibilities
A home inspector is generally contracted by a homeowner or potential buyer to perform a comprehensive inspection of a home. Home inspectors spend the majority of their workdays on site, either alone or as part of a team. Some home inspections require some light physical labor, including crawling into tight spaces or regularly climbing ladders.
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How can i get started?
One of the first steps you should take is looking into your local community college or trade school to find out if inspection training programs are available in your area. These types of institutions will be able to give you the basics of what the job will entail, as well as the next steps you should take. Some of the steps will include joining the local chapter of a recognized home inspector association. These organizations provide regular educational meetings and will keep you up to date on any changes to local or national building codes.
Pros and cons
One of the major factors you should consider before pursuing a home inspector
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training is liability. When you inspect a home, you are basically informing potential homeowners of conditions that could affect the safety of occupants and the costs of ownership.
If you happen to miss any potentially dangerous home defects, you may be contacted by the new owners. They may even be able to force you or your company to pay for the undisclosed
problems after the close of escrow. These problems can range from minor in nature and rather inexpensive to fix to major issues, such as shoddy heating and air units or major electrical problems
that could put a dent into your business. Not only could you be liable for paying for the damage, but your reputation may be compromised in your local community once word gets around.
Lee Central Coast Newspapers | Friday, March 20, 2015 | A9
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“The TTop Independent Brokerage on the Central Coast”
rses! o H r You Bring
® ®
WENDY TEIXEIRA
Park! k c o Hanc
R E A LT O R ®
(805) 310-3505
wendyteixeira@aol.com CalBRE #01345995
If you are interested in selling, please contact me for a private consultation.
I don’t just LIST homes, I SELL homes!
www.6015Quail.com
Horses allowed in Oakhill Estates? Yes, on this parcel they are! 2+ ac parcel sits at the bottom of a cul de sac next to open space. All fenced & cross fenced w/irrigated pastures & 2-stall barn w/tack & hay storage. home features 3000 sf of country living 3br & 2½ba. Lovely tile flooring, beautiful wood ceilings, lots of light from French doors. Plenty of wood decking surround the home. Enjoy the built-in BBQ, spa, and horse shoe pit/picnic area shaded by oaks. $829,000
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www.408Marian.com
Hancock Estate sits on the largest lot. remodeled home has 3 en suites. front room serves as perfect executive style office. Gorgeous hardwood flooring throughout. great for entertaining. large greatroom, full wet bar, indoor BBQ pit, French doors to patio & gourmet kitchen. Completely finished attached 4-car garage has epoxy style floors. 2000 sf shop: 50 amp plugs, bathroom & high ceilings allow a “lift” to fit. Newer RV garage. Dump station. $860,000
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810 Patrick Way
Upgraded beauty is move-in ready! New stainless appliances, granite slab counters, Versailles patterned tile flooring are a few of the amenities. One br and a ¾ bath are downstairs, 3 nicelysizedbedroomsupstairsw/laundryroom&desk/storage area. Remodeled master bath has garden tub and separate shower. backyard features flagstone, drought tolerant plants & a new pergola! Dog run. $443,500
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www.1305Newport.com www 1305Newport.com
Enjoy city & ocean views from the deck of this lovely A.G. home located on a cul de sac. 50’s style home features 3 BR and 2 BA upstairs, an oversized family room for entertaining, plus a separate dining room off kitchen! Downstairs is a one bedroom,onebathapartmentcompletewithkitchen,fireplace and family room. BBQs can be enjoyed in the front courtyard or in the private backyard! Located close to restaurants, shopping & Central Coast beaches. $799.000
me! o H s tion Tradi
www.4268Eastwood.com
Just Listed in Orcutt! Great three bedroom, one story home on a corner lot. This home features an oversized three-car garage, a great backyard complete with covered patio and hot tub! You’ll find a nice, flowing floor plan and nice lighting, cathedral ceilings, and a beautiful brick fireplace in the living room. Call for a showing today! $399,000
Find Your Home Here!
www.1657Chadwell.com www 1657Chadwell.com
One story, move-in ready beauty in Pioneer Village! This home has been meticulously maintained and is ready for new owners! Complete with updated kitchen, beautiful tile flooring and cathedral ceilings! Three nicely sized bedrooms and 2½ baths complete this lovely home. The backyard is private and includes a covered patio great for entertaining... Bring your toys! The side RV space will fit $407,900 bothyourRVandboat!
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CALL 805-310-3505
www.570Palisade.com
Amazing executive style home! This 5br, 5ba (plus huge conference/game room) showcases several oversized rooms and ample storage for today’s busy lifestyle! Dramatic foyer and flowing floor plan will impress. Remodeled kitchen with beautiful granite counters, stainless appliances and a breakfast bar! Dining area is conveniently located between the living room & kitchen. The huge family room allows for entertaining! $639,000
2444 Village Green
Cute one bedroom, one bath downstairs unit in Village Green. This cozy home features a roomy kitchen, fireplace $140,000 in the living room and has a nice patio!
W W W. C A L L W E N D Y. C O M