Our South Bay Community Blog

When Do You Need to Repair Your Roof?Home repairs are often never ending, and just as one item gets crossed off the list, three more tend to be added on. Maintaining a home can be a joy if the projects are small and able to be completed easily, but some things are better left for professionals to tackle. One such area is the home’s roof, which can deteriorate over time and could be in need of repairs. How does one know if their Redondo Beach roof is in need of some work? Let’s find out.

When To Repair?

Unlike other elements of a home, the signs that a roof is ready for repairs are pretty straightforward. Many of the ways one can tell are simply through visual inspection, but other things going on in the home might also be an indication.

One of the more common red flags when

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How Different Flooring Options Affect a HomeWe might not think about a home’s floor on a regular basis, but when buying or selling a property, the material and condition can make a huge impact on the overall value and aesthetic of a home. Homeowners usually have a wide range of options when it comes to updating the flooring they have, and these changes can provide enjoyment for the occupants as well as increase the property value.

Flooring Material Basics

There are quite a few options when it comes to home flooring, but today we’re going to discuss the benefits and costs of the most popular types of materials including carpet, hardwood, linoleum, and vinyl. Each of these styles of flooring bring their own specific style and durability, so it’s important to consider what will work best

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Steps For Home Buyers to Prepare for a MoveBuying and selling a home can be exhausting experiences, and there is still plenty to do after the paperwork has been signed. Now, belongings need to be sorted, packed, transported and unpacked, all hopefully without unduly disrupting already-busy lives. Thoughtful organization is key to moving, as is allowing enough time to address every aspect of this important life milestone.

Create a To-Do List

People tell themselves they can remember everything, particularly when they are important. In truth, memories are spotty, especially under stress. When preparing for a move, create a list of everything that needs to be done, from getting supplies to turning utilities on and off and everything in between. Then put everything in order and transfer

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How to Prepare a Home's Yard for SellingThere's no doubt about the value of a well-landscaped yard when your home is for sale. But sprucing up the landscape to encourage a sale doesn't—in fact, shouldn't—involve a lot of time, money or ongoing maintenance. One of the basic principles of curb appeal is to encourage prospective buyers to envision what their lives would be like in the new home. Do you really want them to think that their weekends would be given over to unending yard work?

Here are 5 easy ways to add appeal:

Use Hardscape

Rocks, gravel paths, stepping stones, brick or concrete patios, "dry river beds"—anything that adds interest without requiring mowing, trimming, fertilizing and watering is an easy way to reduce maintenance concerns. Intersperse trees, shrubs and

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How to Budget for the Home Buying ProcessBuying a home is one of the biggest purchases a person will ever make, so it's very important to budget for it correctly. If you aren't careful with the budget, it's possible to get into a home that's not really affordable or be overextended and struggling if something goes wrong with a job. Naturally, it's not possible to plan for every eventuality. There can still be issues that come up. But rather than worry over every little thing, focus on protecting yourself as much as possible from the biggest concerns. That can make buying a home safer financially. Here are six great tips to create a proper home buying budget.

Consider What You Can Do On One Income

If you're a dual-income family, consider buying the home using just one income. It

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Green Home Improvements that Appeal to BuyersThink about your present home. Depending on how long you have lived in it, the house may now be tailored to fit into your specific needs and desired relaxation level. But could you be doing more? Don't just focus on making the home as comfortable as possible. Homeowners should also seek to make the significant improvements that will help them save money on their utilities while increasing the value of their homes.

Increasing a home's value by making improvements can offer a wide range of benefits. If you are looking to take out a personal loan, you can tap the equity from the house to make purchases, start a business and even making home renovations. Also, you can have more money lining your pocket when selling your home at a higher price. You

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All About USDA Home Loans for Home BuyersSince 1991, the U.S. Department of Agriculture (USDA) has been offering rural development loans to home buyers to encourage them to move to America’s rural and suburban areas. Here’s what every home buyers should know about USDA Loans before applying for a mortgage.

Purpose

USDA Loans give low- and medium-income individuals an opportunity to own their own home in designated rural and suburban areas by offering them affordable loans that require no down payment. At the same time, the influx of people moving to these areas helps to boost the economies there. 

These loans can be for as much as $500,000, but this is more common in states with expensive real estate such as California and Hawaii. Many of America’s rural areas are limited to a

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How Paint Can Add Value to Your HomeWhen the time comes for a homeowner to prepare their home for sale, a fresh coat of paint is often one of the first improvements on the list, and for good reason. Adding a layer of new paint covers many of the signs of wear that make homes feel tired and dated. In addition to making rooms look clean and new, however, paint offers even more affordable ways to add value and appeal in home staging.

Paint Can Help Sellers Deal With Lingering Odor Issues

Odors are one of the biggest hurdles for homeowners to overcome when selling. Whether its from pets, cigarettes, or cooking, paint can often help overcome these smells and make the home look and smell fresher and more welcoming. Sellers who have an odor issue to deal with should look for odor

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Getting a 203(k) Loan to Finance Your Fixer Upper HomeProspective home buyers who are interested in purchasing a home that is classified as distressed or is in need of significant renovations, updates, or repairs may find it difficult to find financing to cover these improvements, in addition to the purchase price. In this situation, buyers may want to consider applying for a FHA 203k loan, guaranteed by the Federal Housing Administration, instead of a construction loan that may be more difficult to obtain.

FHA 203k Loans Allow Buyers to Combine Mortgage Plus Renovation Costs

The FHA 203k loan was designed to allow borrowers to combine the purchase costs plus the cost of renovations into one mortgage. In addition, borrowers may be able to also include funds to cover costs of housing for up to

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How to Decide if You Should Buy a Fixer UpperMany buyers love charming older homes in up-and-coming neighborhoods. Many enjoy tinkering around working on home projects. Sometimes, a buyer's budget just won't support a new, move-in-ready house, particularly in competitive markets like Hermosa Beach.

Whatever the reason a potential home buyer is considering buying a fixer upper home, it's not a bad choice. Homes that need work can end up being dream houses if the owner proceeds strategically and knowledgeably during the renovation process. On the downside, they can also be money pits with unforeseen expenses that tank even the most determined fixer-upper owner. 

Buyers should think carefully and answer these six questions honestly before deciding to buy a fixer upper. 

Buyer DIY Skill

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