Monday, January 29, 2018

Why Vacaville? - All Weather Architectural Aluminum

Sarah Harper of All Weather Architectural Aluminum discusses the benefits of her family's business relocating in Vacaville in 1980. less traffic, employee availability, and quality of life.

Thursday, January 25, 2018

How to Use a Fire Extinguisher Before You Need It | Consumer Reports

Once you place them in the right spots around your home, knowing how to use fire extinguishers when you need them is crucial. Here's an easy way to remember if that time comes.

Monday, January 22, 2018

First Time Home Buyer Basics

If you have been renting for years, unfortunately you have nothing to show for all the rent money you have given to your landlord. Due to the benefits of homeownership you may be considering purchasing a home. There are a variety of advantages that homeowners enjoy as compared to renters. These advantages include: tax deductions, appreciation, control over their property, and stability. Before buying a house you should consider how home-ownership will affect your employment, family, and financial situation. Once you have weighed the pros and cons of purchasing a house, if you decide to become a homeowner the following steps will help you prepare.

Step One: Get Pre-Approved For a Mortgage

Talk to your family and friends and ask them to refer a mortgage professional that they have had a good experience with. You will need to provide your pay stubs, bank statements, tax returns, and other personal information to your mortgage lender. Often being able to meet face to face with your mortgage loan officer will reduce stress and will help you stay better informed during the loan approval process. Make sure that you apply for a fully underwritten mortgage pre-approval. Many lenders will just pre-qualify individuals for a mortgage. A pre-approval will take longer to complete, but it will eliminate unforeseen issues such as: verified funds, past credit issues, and other potential problems and delays.

Step Two: Look For Your New Home

Once again, you should talk to your family and friends and ask them to refer a licensed real estate professional that they have used in the past. You may spend a lot of time discussing home options and looking at potential houses with your real estate agent, so it is important to be able to rely and trust their opinion and expertise. Knowledgeable real estate agents should be able to listen to your wants and needs in a house; then be able to honestly tell you what you can afford and the areas you can find the most house for your budget.

Step Three: Formal Loan Processing

Prior to signing your purchase agreement and submitting your offer through your real estate agent, you should contact your loan officer and ask for a loan estimate. The loan estimate is a detailed breakdown of your costs to close and monthly payment on the house you are considering purchasing. Ask your lender for a reasonable closing time frame and make sure your real estate agent writes in an appropriate closing date in the purchase agreement. Thorough communication will typically eliminate confusion and frustration during the mortgage process. At this point, time is of the essence, so when your lender asks for additional information, try to provide it as soon as possible. If you are unsure why the additional information is needed, ask for an explanation of why it is required, but provide the information in a timely manner.

Step Four: Closing

Once your loan is approved, you should receive a closing disclosure from your lender or the title company. Usually this disclosure is emailed to you and then must be e-signed before your closing appointment can be set. Lenders are also required to have the closing disclosure signed at least three days prior to the closing papers being signed. Once the closing papers are signed, the loan can officially file at the courthouse, which transfers the house into the borrower(s) name.

Step Five: Moving Day

Prior to the closing on your new house, make sure you talk to your real estate agent about when and whom to contact regarding transferring the utilities into your name. It is also a good idea to thoroughly clean your new house and change the locks prior to your official moving day.

Article Source:

Article Source:

Friday, January 19, 2018

Tuesday, January 16, 2018

How to Fold a Fitted Sheet | Consumer Reports

If you tend to create a crumpled mess when folding a fitted sheet, this video is for you. In a few easy steps, Consumer Reports' textile expert shows you how to fold a fitted sheet so it looks better and takes up less space wherever you store it.

Saturday, January 13, 2018

3 Tips For First-Time Home Buyers | Money | TIME

First-time home buyers: Do your research, and don't rush into it. Here's some advice from Ryan Serhant, host of Bravo's Million Dollar Listing New York

Wednesday, January 10, 2018

7 Steps to Buying a House!

In which we discuss how to buy a house, including how a mortgage works (with a quick mortgage calculator), realtors, home inspections, and how the heck to do price negotiation!

Sunday, January 7, 2018

Refreshing a Pillow in 3 Easy Steps | Consumer Reports

Freshening up a tired pillow is simple to do. Just follow these tips from Consumer Reports' experts.

Thursday, January 4, 2018

7 Residential Real Estate Features to Examine Closely

Purchasing residential real estate is pretty exciting for most buyers. However, you must not let your eagerness to close a deal hinder your view of the home's features. It is wise to take your time and examine certain amenities closely.


More than likely, the built-in kitchen appliances in your prospective home will be included in the real estate purchase. The stove and oven range, dishwasher, microwave, and possibly a refrigerator will be part of the deal. You may even be negotiating the procurement of the washer and dryer. It is imperative that you review the age, condition, and any existing warranties on these appliances. Open the doors and take a peek inside. Do not assume that a nice exterior is indicative of the interior. You want to avoid the need to service these items shortly after moving into the home.


Inspect the carpet, tile, wood, granite, slate, or other solid floor surfacing in each room. Note any possible cracks, creaks, or discoloration. Determine what kind of maintenance the flooring will need and how often. If the home has carpeting, ask about the flooring underneath. You may be surprised to find beautiful hardwood floors that have been covered. Be sure to survey the carpet for stains and unusual wear and tear.


Be sure to look up: cracks and water spots are telltale signs of structural damage. Peruse the ceilings of the closets and inspect the attic as well.

Walls and Doors

Scrutinize the walls for stud and nail holes resulting from pictures that were hung previously. Look for voids due to removed outlets and shelving. Make sure the walls are not in need of a fresh coat of paint and test the doors to ensure that they close properly and are hung well on the frames.

Air Conditioning and Heating Systems

Heating and air conditioner units and hot water heaters are costly to repair if they are not in good condition. Obtain a report from your realtor regarding their maintenance. Are these devices operated by gas or electricity? Knowing this will help you gauge your monthly expenses for its use.

Bathroom Fixtures and Plumbing

Review the condition and functionality of the bathroom fixtures. Turn on the water in the sinks and showers and flush the toilets. Examine if there are any delays in water flow and listen for abnormal sounds. Will the vanity knobs need to be replaced soon?

Expansion Possibilities

Sometime in the future, you may want to build an addition to your home. A sunroom or patio deck on the rear of the residence may be an option. Perhaps you might want to put a swimming pool in the backyard, so it's a good idea to decide whether you would be able to do this based on the lot size and square footage. Even if you do not think you will want to expand, consider the resale value of your real estate for the next owner.

These seven features are essential facets of a residence. By gathering information on their advantages and disadvantages, you can make informed decisions about their inclusion in your buying experience.

Article Source:

Article Source:

Monday, January 1, 2018

Happy New Year!

May opportunity and prosperity come knocking on your door. Have a prosperous and healthy New Year!