Duarte/Downey Real Estate Agency, Inc



Posted by Duarte/Downey Real Estate Agency, Inc on 6/8/2015

Housing prices are low, rates are low but how can you buy a house when your funds are also low?  How can you save money for a house while prices and rates are still good? Saving for a home can be different than just saving because you have save such a large amount of money and you don't know exactly how much you'll need.  Here are some strategies on how to save up: 1. Start with small goals. Try saving for closing costs or another smaller amount and then add another goal. Break the down payment into 3%, 5%, 10%, and 20% levels, to help make the savings goal more achievable. 2. Try saving a specific amount of money every month. Instead of saying I want to save $6,000 a year it is easier to say I will save $500 a month. Smaller, more achievable milestones are always good motivators to savings. 3. Ask for help. If people ask what to give you a gift for your wedding, birthday etc. ask them to contribute to your home savings plan. Online sites like SmartyPig make it easy to get other people involved in your savings goals. 4. Create a visual goal graphic. Create a vision board or some kind of graphic that represents what you are saving for. It always helps to see what you are saving for and have a constant reminder. Hopefully, you'll be on your way to a new home in no time.





Posted by Duarte/Downey Real Estate Agency, Inc on 5/25/2015

Sunscreen is essential but buying sunscreen can be very confusing. From water resistant sunscreens to SPF to broad spectrum protection, it is hard to know what you need to keep your skin safe this summer. Sunscreens protect you from the sun's ultraviolet (UV) radiation from reaching your skin. There are two types of ultraviolet radiation, UVA and UVB. They both damage your skin and increase your risk of skin cancer. The difference between UVA and UVB Ultraviolet (UV) radiation is part of the electromagnetic (light) spectrum that reaches the earth from the sun. Ultraviolet A (UVA) is the longer wave UV ray that causes lasting skin damage, skin aging, and can cause skin cancer. Ultraviolet B (UVB) is the shorter wave UV ray that causes sunburns, skin damage, and can cause skin cancer. The definition of SPF SPF stands for Sun Protection Factor. The SPF number on sunscreen is a measure of a sunscreen's ability to prevent UVB from damaging the skin. The number of the SPF is how long it will take the sun to redden the skin. For example, SPF 15 sunscreen theoretically prevents reddening 15 times longer than no sunscreen at all– about five hours. What is broad spectrum? Sunscreens that have broad-spectrum protect the skin from both UVA and UVB rays. Beginning in December 2012, the U.S. Food and Drug Administration (FDA) will implement new rules for "broad-spectrum" products. New sunscreen rules Here are some of the new rules The US Food and Drug Administration (FDA) has issued for labels on sunscreen. • Sunscreens may be labeled “broad- spectrum” if they provide protection against both UVA and UVB radiation according to FDA-sanctioned test methods. • Only broad-spectrum sunscreens with an SPF of 15 or higher may state that they protect against skin cancer if used as directed with other sun protection measures. • Broad-spectrum sunscreens with SPFs of 2-14 must display a warning that the product has not been shown to help prevent skin cancer or early skin aging. • The terms “sunblock,” “sweatproof” and “waterproof” are no longer allowed on sunscreen labels. • Sunscreens may claim to be “water-resistant,” but must specify whether they protect the skin for 40 or 80 minutes of swimming or sweating, based on standard testing. Sunscreens that are not water-resistant must instruct consumers to use a water-resistant sunscreen if swimming or sweating. • A company cannot claim that its sunscreen products provide sun protection for more than two hours without submitting test results to prove this.      




Categories: Buying a Home   Family  


Posted by Duarte/Downey Real Estate Agency, Inc on 3/30/2015

If there was ever a time to purchase real estate it is now. A unique combination of circumstances makes buying a home a no-brainer. Here are five reasons why you should buy a home NOW...   1. Houses are more affordable 2. Historically low mortgage rates 3. Prices are stable 4. Home ownership is the path to independence and wealth 5. Owning a home gives you pride of ownership Call today to find out what homes are available in your price range or do a quick search to look for homes and create a profile on this site to save your favorites.





Posted by Duarte/Downey Real Estate Agency, Inc on 3/23/2015

You have earned it, you have saved your money and now is the time to buy that vacation home you have been wishing for. Buying a second home can be a very different experience than purchasing a primary residence. So, if you are in the market for a vacation home, there are some things you will need to consider first: ?What is the purpose of the home? Are you buying the second home for vacation or investment? Knowing what you intend to do with the property primarily will help you identify the features that matter most in the home. ?If the second home is for investment and you plan to rent it you will need to research how the property’s use will affect your financing options, taxes and insurance. Before you buy consult an accountant or financial planner to determine which of these factors could impact your financial situation. ?How far are you willing to travel? If you are using the home as a vacation spot, think realistically about how far you are willing to travel. According to the National Association of Realtors, 31 percent of vacation homes are typically within 100 miles of the owner's primary residence. ?See what the area is like off-season. Many times vacation homes are in seasonal destinations and the surroundings can change significantly throughout the year. Find out what challenges you may encounter in the off-season with the home. If you are thinking of buying a second home it is important to use a real estate professional with knowledge of the specific marketplace.





Posted by Duarte/Downey Real Estate Agency, Inc on 1/12/2015

Are you thinking of buying a home with a septic system? Septic systems are common in the suburbs and more rural areas where municipal sewers are not available. So what is a septic system? It is a self-contained, underground waste water treatment system. It consists of a septic tank and a drainage system. The septic tank is a large, watertight container. It can be made of concrete, steel, fiberglass, or polyethylene. The septic tank is connected to your home's sewer line and collects all water and the waste in it. The drainage system has several parts; an outflow pipe, a distribution box, a network of perforated pipes, and a leach field. When liquids inside the septic tank get high enough, they flow out of the tank into the outflow pipe. The outflow pipe leads to the distribution box which then channels waste water into the perforated pipes. The waste water is then distributed into the leach field. There is usually no cause to worry when buying a home with a septic system. It is prudent to have the septic system inspected or ask for proof of inspection during the purchase process.  If maintained properly, a septic system can last between 25 to 35 years.