SOLD by Sharron Parker in Leisure Village - Even during the slow holiday season,!

42050 Village 42

An absolutely great Mountain View Location for this very popular Bel Air model in lovely Leisure Village (55+) community! This home has a newer kitchen, newer carpet., upgraded baths, covered patio and slumpstone wall surrounding the patio. It has two bedrooms, two baths, formal dining area and eat-in area in the kitchen. This location is not only beautiful, it also has a very warm and secluded ambiance. Leisure Village is the leading 55+ community offering it residents a wonderful Rec Center with tennis, par 3 golf, (wood, ceramics and lapidary) shops billiards, pool, spa, lawn chess, paddle tennis library, computer lab, WII bowling, horseshoes, shuffleboard, and a complete host of other activities all in a 24 hour guard gated community with the wonderful weather of Camarillo.

http://www.iloveleisurevillage.com

4 Reasons to Sell Your House This Winter

http://www.iloveleisurevillage.com

Don't Get Caught in the Rental Trap in 2019

Every year around this time, we take time to reflect and plan for next year. If you are renting your current home but have dreams of homeownership, your plan for the new year may include buying, and you wouldn’t be alone!

According to the 2018 Bank of America Homebuyer Insights Report, 74% of renters plan on buying in the next 5 years, with 38% planning to buy in the next 2 years!

When those same renters were asked why they disliked renting, 52% said that rising rental costs were their top reason, and 42% of renters believe that their rent will rise every year. The full results of the survey can be seen below:

It’s no wonder that rising rental costs came in as the top answer! The median asking rent price has risen steadily over the last 30 years, as you can see below!

There is a long-standing rule that a household should not spend more than 28% of its income on housing expenses. With nearly half of renters (48%) surveyed already spending more than that, and with their rents likely to rise again… why are they renting?

When asked why they haven’t purchased a home yet, not having enough saved for a down payment (44%) came in as the top response. The report went on to reveal that nearly half of all respondents believe that “a 20% down payment is required to buy a home.”

If the majority of those who believe they haven’t saved a large enough down payment believe that they need 20% down to buy, that means a large number of renters may be able to buy now!

Bottom Line

If you are one of the many renters who is fed up with rising rents but may be confused about what is required to buy in today’s market, contact a local real estate professional who can help you on your path to homeownership.

http://www.iloveleisurevillage.com

http://www.search805homes.com

Where are Interest Rates Headed in 2019?

Where Are Interest Rates Headed in 2019?

The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate, the greater the payment will be. That is why it is important to know where rates are headed when deciding to start your home search. Below is a chart created using Freddie Mac’s U.S. Economic & Housing Marketing Outlook. As you can see, interest rates are projected to increase steadily throughout 2019. How Will This Impact Your Mortgage Payment? Depending on the amount of the loan that you secure, a half of a percent (.5%) increase in interest rate can increase your monthly mortgage payment significantly. But don’t let the prediction that rates will increase stop you from purchasing your dream home this year! Let’s take a look at a historical view of interest rates over the last 45 years. Bottom Line Be thankful that you can still get a better interest rate than your older brother or sister did ten years ago, a lower rate than your parents did twenty years ago, and a better rate than your grandparents did forty years ago. http://www.ilovelelisurevillage.com http://www.search805homes.com

Happy Thanksgiving!

Insurance Thoughts - Evacuation

We residents of Leisure Village are devastated by the shootings, fire and wind. So much emotion! I was visiting my family in the San Francisco Bay area when this all occurred and I felt so vulnerable realizing that I wasn't home to pack up my personal belongings if Leisure Village occupants had to evacuate.  

Conversations with friends here in our village include questions about insurance policies and what to take when and if evacuation becomes necessary. Certainly, you will want to make sure you have your medications, eyeglasses, valuables including jewelry, cash, photos, some clothes and personal comfort items (favorite blanket, mug, pillow),  Important papers include driver's license, social security card, proof of health, homeowner, auto insurance, passport, trust/will, health care directive, power of attorney, copy of mortgage statement, 3 years tax returns if possible. The Grant Deed for your home is available from a title company and County records if required in the future. Of course you will want to make sure too that you have a full tank of gas for your car and contact information for your insurance agent, lawyer, accountant, physicians, etc.  

Now that we have all experienced a potential evacuation, you may want to review your HO 6 insurance policy with your agent to verify that your policy is up to date with appropriate coverage. If you have questions regarding what our Leisure Village Master Insurance Policy covers, you or your agent can call Tolman & Wiker, our master policy broker at 805-585-6100 and ask for Denise Sutton.  

http://www.iloveleisurevillage.com

How to Honor a Veteran Today and Everyday

One hundred years ago, on the eleventh hour of the eleventh day of the eleventh month, we marked the end of the “war to end all wars.” That day, which was to be observed annually on the eleventh day of the eleventh month, became known as Armistice Day and then, later on, became Veterans Day.

But Veterans Day is not for veterans. They don’t serve for thanks or recognition. Veterans Day sets aside a day for those of us who haven’t worn the uniform to acknowledge those who have.

So today, we honor and remember.

If you ask a military family, ANY military family, how you can help them, they will respond without hesitation, “Make sure my service member is taken care of.”

If you ask a service member, ANY service member, how you can best honor them, they will respond without hesitation, “Take care of my family.”

Don’t know anyone who has served or is serving? More than likely, there are veterans in your midst. Each year, 260,000 military personnel relocate to new communities, and another 230,000 transition out of the military. In total, there are 22 million veterans among us in the world.

For those who relocate through a Permanent Change of Station (or PCS), it can be a pretty stressful time. There isn’t a lot of time to find a new place to live and the timeline is more accelerated for finding a place to call home.

MILLIE is an online community and digital marketplace that connects members of the military and their families with specialized knowledge and trusted resource providers to alleviate the stress of PCSing.

According to MILLIE, “70% of active duty families live off the installation and in the surrounding communities.” Wondering what you can do to help make a recently PCSed family feel welcome?

A recent survey of military families revealed that,

“When respondents described the support they most appreciate, family, friends, and faith-based communities rose to the top. When they described the support they needed, they called for more networking, communication, and support groups.

Families said that when leaving service, they feel as though they do not fit into the civilian world. Forging partnerships between military and civilian support systems will encourage pathways of understanding.”

If you find out that your new neighbor may have been PCSed, make an effort to share what you know about your community, from the best pizza place to where you can get your oil changed.

If you know that the service member of the family is actively deployed, helping out with tasks like mowing the lawn or bringing over a home-cooked meal are small gestures that will go a long way towards welcoming this family into their new home.

Bottom Line

Today, we honor and remember those who have served for our country. Everyone always asks what they can do to help, sometimes the simplest answer is the best one.

http://www.search805homes.com

http://www.iloveleisurevillage.com