How to Baby Proof for the Holidays

By Guest Blogger
December 20, 2016
*This was originally published on the official blog of Century 21® on November 16, 2015
(FYI – Most of these tips can also be used for pet proofing your home for the holidays!)

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If you’ve got a little one this holiday season, don’t make the mistake of being unprepared. This time of year brings about unique potential dangers for him or her that you might not have considered. Follow these five tips on how to baby proof your home for the holidays.

  1. Skip the tablecloth. Infants are known to be grabby, and the hanging end of a tablecloth is too tempting to resist. In one quick tug, your tyke could accidentally pull down the entire dinner table setting, including your dishes, silverware, and candles. Yikes!
  1. Keep flowers out of reach. Contrary to popular belief, poinsettias aren’t actually poisonous, but there’s still no reason for your child to ingest them. Keep all plants out of reach. They’re not food, and you never know which one may make a particular individual sick.
  1. Don’t wrap with ribbons. Stick to wrapping paper only when giving gifts. Leftover ribbons can easily fall on the ground, presenting a choking hazard for you baby. Additional tip: Gather up and throw away wrapping paper as soon as it’s discarded. Again, you never know what your child might put in their mouth.
  1. Secure your tree. Fasten your tree to the wall and consider blocking off the area with a baby gate because after all, the tree is for looking, not for touching. If you want to bring your baby closer, do so under strict supervision, and don’t let them tug on any branches.
  1. Hang ornaments higher. Hang all ornaments out of reach on the top half of the tree, just in case your tot does get closer to the tree. Smooth, shiny decorations will be sure to attract their attention, and all too many are easily breakable. If you feel like your tree is a bit bare, opt for paper or felt ornaments on the lower half.

These simple changes to your holiday decorating routine may make for a safer celebration for your newest family member.

*Article reprinted with permission of Century 21 Real Estate LLC.

What Drives Mortgage Rates?

By Chris Smith
September 27, 2016

There are many things that drive mortgage rates available to Buyers. Some things are out of your control: National Employment Patterns, the Stock Market, actions of the Federal Reserve, natural disasters and geopolitical or global events.

Let’s focus on the things you CAN control to get the mortgage rate that fits your budget and allows you to get into that home you want.

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Credit Score
The better your credit score the lower your interest rate. Having a high credit score makes you a more favorable borrower in the eyes of the lender. First, find out what your credit score is. Then try improving your credit score before you start the loan application process. Talk to your loan consultant on ways you can improve your score.

Down Payment
There are a lot of low down payment options for borrowers. What you may not know is that if you increase your down payment on the home you are buying you can secure a lower interest rate. This can ultimately save you more money over the life of the loan.

Size of the Loan
The amount of money you borrow can impact the interest rate.  A larger loan amount will usually have a higher interest rate. The reason for this is because paying back a larger loan amount will likely take long and there is more at stake for the lending organization.

Type of Property and Occupancy
Loan pricing is slightly lower for single family homes compared to condominiums. Owner occupied loans also have lower rates than non-owner or investment properties.

The best way to understand all your options regarding interest rates is to talk to a loan consultant BEFORE you start your home search.

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About the Author: Chris Smith is a Senior Mortgage Consultant (NMLS  #253394) with New American Funding. For more information about home financing you may contact him at 714.401.5921. 

Best Practices for Real Estate Brokers and Agents

By Joe Lins
August 24, 2016

I had the opportunity to sit down with Laurie Popp of Century 21® to discuss best practices I use within my real estate business at CENTURY 21 Discovery. We discussed advice for brokers and managers, creating the type of office culture that allows the agents to succeed and advice to agents just starting out in the business.

Brokers and managers need to be available to their agents. We need to communicate with them how they want to be communicated with (email, text, voice mail, in person). Get back to them right away. We need to set a good example as their leader. This is what the consumer wants and the agents need to learn to have a quick response time.

I’ve been accused of being “Old School” and I think that’s a compliment. Our office culture mixes the old with the new. We take advantage of the tools and technology Century 21 has to offer and we teach our agents how to use these tools. It’s not just about who has the latest technology. We also teach them the good old-fashioned skill sets they need to have in this business: negotiating, time management, preparation, etc.

My advice to new agents is to invest in yourself. Hone your leadership skills and have passion for what you do. Most importantly, be ethical and moral. I don’t believe that real estate agents are going to go away. It’s not a common purchase. It’s not buying an airline ticket or a pair of shoes online. It’s a lengthy process and a good agent is needed to help the consumer navigate the process.

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About the author: Joe Lins is President and Co-owner of CENTURY 21 Discovery. If you are interested in becoming part of the CENTURY 21 Discovery team or would like more information about our services contact Joe at 714.626.2069.

Last-Minute Open House Cleaning Tips

By Guest Blogger
July 14, 2016
This was originally published on the official blog of Century 21® on February 19, 2016

Your open house is almost underway! You’ve already made sure your home is warm and inviting and you’ve taken time to carefully stage it. Now, here are some last minute cleaning tips to quickly spruce up any areas you may have missed.

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Prep for Pets
You may be ready for your open house, but your four legged friends might have other ideas. Perform a last minute inspection of any areas your pets frequent to make sure they haven’t left an unpleasant surprise somewhere in your home. Also, pet hair has a way of showing up unexpectedly. Vacuum carpets and sweep any floors with a rubber broom to clean up debris that may have gathered since your last cleaning.

Check Your Entryway
Although you may have painted your front door and meticulously cleaned your home’s entryway in the days before your open house, recheck it on open house day. Be sure to check for marks on your door, damaged plants, disheveled door mats, and unexpected messiness that may have accumulated in front of your home since you last inspected it.

Clean Up After Kids
If children happen to be in your home during the hours leading up to your open house, you may want to check for additional messes before potential buyers arrive. Look at your lower windows for finger smudges, which can be cleaned quickly with a cleaning agent and microfiber cloth. Also check your doorway for dirt, and look at the lower part of your walls for crayon streaks or other stains.

Ready Your Refrigerator
While easy to overlook, the inside of your refrigerator should be as neat and clean as the rest of your kitchen. Make sure it isn’t full of half consumed food or overstocked to the point where it looks cluttered. Additionally, any fridge magnets should be removed to further depersonalize your home for potential buyers.

Care for Your Lawn
Last minute removal of lawn debris can make your home more appealing and may attract more buyers. Depending on the season, eradicate lawn clutter with a leaf blower, a rake or a snow blower. If you’re too busy for exterior home cleaning, consider hiring someone to do it for you, so you can focus on the interior of your home.

These last minute cleaning tips may help your home shine brighter on open house day.

*Article reprinted with permission of Century 21 Real Estate LLC.

Do’s and Don’ts During The Loan Process

By Bill FitzMaurice
May 19, 2016

You found your dream home and your offer was accepted. Congratulations, but before you start packing for your big move there are some definite Do’s & Don’ts we recommend buyers to follow as they go through the loan process.

DO:

DO ask donor(s) for gifted funds as soon as possible, if being used towards your down payment. Ask your Loan Officer about the necessary steps and documentation for gifts.

DO stay current on all your payments: mortgage, car payments, credit cards, student loans and any other debt.

DO continue to use your credit as normal. Changing your pattern may raise a red flag, causing your credit score to go down.

DO wait to make a major purchase such as a new car, boat or appliance until after your loan has funded.

DO keep copies of all important financial documents so you will be ready to provide if asked: check stubs, W-2’s, tax returns, bank and investment account statements, rental agreements, etc.

FemaleOnComputerDON’T:

DON’T keep cash in a safe or an overseas account if you plan to use these funds as a down payment. Ask your Loan Officer how and when would be the best time to put funds into your U.S. bank account if needed.

DON’T close credit card accounts. Keeping accounts open after you have paid them off lowers your debt-credit ratio. If you close a credit card account, it may appear that your debt ratio has gone up.

DON’T apply for new credit or give your personal information to anyone else who might run your credit report. Multiple credit inquiries may hurt your credit score.

DON’T make career moves. Your mortgage lender must verify your employment, so it’s crucial to maintain employment status.

DON’T make large deposits into your back account unless 100% necessary. If you must, save the documentation showing where the funds came from. Keep a “paper trail”.

Make sure to discuss any changes in your financial situation with your Loan Officer right away.

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About the Author: Bill FitzMaurice is a Senior Mortgage Consultant (NMLS #290216) with New American Funding. For more information about home financing you may contact him at (949) 291-1770.

Celebrating Success

By Joe Lins
May 11, 2016

I LOVE celebrating the success of our agents. Every year we have an awards breakfast to recognize the achievements of our agents from the prior calendar year. All the awards are important but I have two favorites: the Quality Customer Service award and the Most Determined Producer award. Both awards embody what I consider the most important aspects of our company culture. Below are some highlights from the day.

 

 

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About the author: Joe Lins is President and Co-owner of CENTURY 21 Discovery. If you are interested in becoming part of the CENTURY 21 Discovery team or would like more information about our services contact Joe at 714.626.2069.

Closing on a home? Don’t Forget the Insurance

By Michael Williams
April 29, 2016

Congratulations! You found your clients perfect dream home. You used your years of experience, professional expertise and pockets full of patience to satisfy every one of their unique requests. So, why it is still stuck in escrow? Your client is saying it’s that pesky insurance agent!

InsuranceBlogimage1… But the real holdup might be that “perfect home”….

Below is a 3 part checklist that will help you identify potential hang-ups with your client’s home insurance.­­

1.      Location, Location, Location.
It’s not just important to REALTORS®. Insurance companies have three main location related exposures that can complicate securing a policy. Distance from Brush, proximity to Coastline or placement in a Flood Zone.

  • In wonderfully sunny Southern California, we don’t have to worry too much about wind or hail, but we can never forget about brush. A good rule of thumb is to use an online map service such as Google or Bing and measure the distance from open land to the home. A standard acceptable measurement for brush exposure is 1500 ft.
  • For our lucky friends on the coast, the average rule is 500 ft from the shore. Again, the best course of action here is to measure with an online map.
  • Finally, the wild card is a Flood Zone. Because you often cannot visually predict where a flood zone will be, a helpful site is FEMA’s mapping tool. Simply type in the address and it will return a flood zone score.

2.      The claim history matters: both buyers and the home.
This section often surprises many people. But the ability to insure the home is based off the loss history of both the buyer and the home itself. Insurance companies split blame for losses between the owner of the home and the structure itself. For example, when a water loss occurs, a point is assigned to the address and the owners. Getting as complete of a disclosure list as possible can help determine whether that home has a history of losses. In the state of California, water losses are the number one cause of loss and it is now almost universal for preferred market insurers to deny a home because of 2 or more water losses. If this is the case you can assume that insurance will double in cost and take a minimum of one week to place.

3. Good Bones vs. New Homes.
Age of the house is big player in acceptability. Some buyers want new construction and that’s great! But, others want classic charm. That beautiful home built in the 1920’s comes with its own host of potential hiccups. Many insurance companies won’t even write a home built prior to 1950. But the ones that do, require proof of complete upgrades to plumbing, heating, wiring and roofing. And it’s not just the cute cottage that could be a problem. Many Carriers are looking for upgrades on any home older than 20 years! So find out if the bones of that house beyond their useful life.

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As every realtor knows, no two purchases are the same. And while the client should always get the house they want, it’s best to build in that little bit of extra time should one of the items above be a potential problem. Simply call the insurance agent a bit early. A little planning can make for a much smoother escrow.

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About the Author: Michael Williams is Chief Operating Officer at Williams Insurance Company in Fullerton, CA. If you would like more information about insuring a home please call him at 714.526.5588 or visit the website at www.williamsinsurancefullerton.com

The Value Of The Up-Desk

By Stephanie Goedl
April 12, 2016

CENTURY 21 Discovery offers our agents some unique opportunities that are not available at most real estate offices. We have the technology, tools and online lead generating sources that our agents need to remain relevant and to succeed. We also offer a way of doing business that some may consider “old school” but it works! It’s called the Up-Desk.

The Up-Desk is the front desk of a real estate office that agents can sign up to work. They assist with answering the phone and can take any leads that come in from those phone calls. Most offices have done away with the Up-Desk because they think it’s a waste of time for the agent.

Not so! Our office has a distinctive location on a main thorough-fare in North Orange County, California. We are located across from a major medical center and have a large marquee that 30,000 cars a day drive by. That’s a lot of eyeballs. Because of our prominent place in the community we have quite a few calls off our marquee as well as walk-in clients. The agent at the Up-Desk benefits from this. Just as important, the client who chooses to do business in this manner benefits as well.

Instead of me telling you the benefits of the Up-Desk, listen to our agent Jacob McCann of the McCann Family Team tell you how working that desk helped his career.

Some people think “old school” is a bad word. Not in my book. I’m thrilled we can provide our agents with a variety of opportunities to achieve their business goals. I’m also glad we can accommodate our clients in the way they want to be served. Do you have an Up-Desk success story? Please share in the comments section below.

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About the author: Stephanie Goedl is the Chief Operating Officer of CENTURY 21 Discovery. For more information about CENTURY 21 Discovery you may call (714) 626-2000.

Unique Property Websites

By Suzy Lins
March 30, 2016

The fun part about working at CENTURY 21 Discovery is that I get to see all the cool marketing tools that our agents have access to through the Century 21® system. One tool that benefits our sellers as well as our agents is the Unique Property Sites. These are websites that are dedicated to selling the home. We all know buyers are searching online and these sites provide them with the property details and photos as well as allows sharing the sites through social media and email. These sites are designed for mobile devices too so buyers can access them from anywhere.

Check out this short video about the sites:

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About the author: Suzy Lins is the Communications Director for CENTURY 21 Discovery. For more information about CENTURY 21 Discovery you may call (714) 626-2000.

Unique Benefits of a Property Management Company

By Blake Borowski
March 8, 2016

Owning a rental property and being the landlord comes with a unique and challenging opportunity. Some individuals might decide to give the landlord responsibility at least one try, and while it might work for them, there are some benefits that a property management company can provide that a landlord lacks.

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Numerous Rental Payment Options

Although it is possible for landlords to set up numerous payment options, it makes sense for property management companies to do so as they will end up accommodating a large number of tenants. For instance, while most landlords accept money orders and checks, property managers are accustomed to accepting online payments and direct deposits through a bank or credit union.

An Emergency Line

The ability for maintenance requests to be made in an online form is unique, but a special line for emergency maintenance or repairs is highly valuable and a great way to provide tenant solutions.

Established Vendors

As a landlord that manages one or two properties, it is just not possible for a vendor to make it their top priority to provide your properties with maintenance and repairs. However, some property management companies have plenty of work and use the same vendors on just about every occasion.

A Systematic Approach

Landlords that are still learning how to manage their property will likely be taking each day and responsibility one step at a time. However, property managers have a systematic approach to managing a property, which means your property will get managed in an effective manner, no matter what.

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About the Author: Blake Borowski is the Founder of White Glove Property Management in Fullerton, CA. If you would like more information about the unique benefits of using a property management company call him at 714.515.3395 or visit the website www.whiteglovepm.com.

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