Biking in #Irvine

Bike Trail

Biking in Irvine

Many clients wanting to move to Irvine, ask: ” Why are property values so much higher in Irvine vs. Other Cities?” The Simple answer is: “Planned Community”. Irvine was planned with all aspects of family living in mind. A well designed home community will have access to Work, Roads, Shopping, Entertainment and Outdoors with Biking being one of the most enjoyable sports, Irvine has created a vast distribution of bike paths for the residents of Irvine which can travel from Irvine all the way to Huntington Beach.

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Beautiful weather in Irvine and all of Southern California. High 60’s to Mid 70’s, perfect for a day out at the great number of parks in Irvine and or Bike trails Map which are offered throughout the well designed communities in Irvine, Tustin Newport Beach Area.

bikepath

The City of Irvine provides a network of on-street and off-street bikeways to encourage the use of bicycles as a safe and convenient means of transportation for both commuting and recreational purposes. This is evident by 301 lane miles of on-street and 54 miles of off-street bikeways provided in the City today.

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Current Irvine Weather

biking

 

Bike Resources: 

Bike Irvine

City of Irvine BikeWays

City of Irvine Interactive Bike Map PDF Version: City_Bikeway_Map_06042013

Orange County Interactive Bike Map

bike trail

 

(read it here)
Irvine Home Paper

 

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🏡Tips For Choosing Home Owner’s Insurance – #Irvine

Home Owner's Insurance - Christina Khandan - Irvine California - www.IrvineHomeBlog.com
Natural disasters and accidents could happen at any moment, You could have a burglary in your neighborhood, many unexpected changes damages to your homes foundation etc. You should know how to protect yourself before it is too late.

 

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If you have a mortgage you are required to have home owner’s insurance. You can be out in the cold if a natural disaster or other home disaster strikes.

Below are a few helpful hints regarding home owner’s insurance.

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1. When considering home insurance, consider how important it is to have a higher or lower deductible. With a lower deductible, your rates will be higher throughout the year, but you’ll have to pay less for damages to your house.

2. If you have recreational amenities in your backyard such as pools, hot tubs, trampolines, or other contraptions that are likely to cause injury, these can raise your insurance premiums.

3. Install smoke alarms in your home. It will not only help to protect your family in the case of a fire but it will also get you about a ten percent discount on your home insurance policy. Many newer homes already have them installed but if they are not, it is an affordable thing to add to your home.

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4. Before getting a renter’s insurance policy, take a look around your apartment and take photos of the things that you would like to have covered if there was a disaster. Calculate each item’s worth and find an insurance policy that will cover at least that amount in the case that you have to file a claim.

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5. Know your coverage limitations if you own equipment that insurers consider high-risk, such as swimming pools or backyard trampolines. Your insurer may not pay liability claims for accidents involving such equipment or you may be required to purchase extra insurance to cover any injuries or damages that occur because of them.

6. When shopping for homeowners insurance, try to choose a user-friendly company. Hassle-free claims processing is key. Consumer Reports is one of many consumer advocacy organizations that provides unbiased, comprehensive information about various companies.

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🏡Plan Your Mortgage – #Irvine

Plan Your Mortgage -  - Christina Khandan -  Irvine California  - www.IrvineHomeBlog.com

 

Planning your Mortgage is almost more important than looking for your Home. There are few key points you need to make sure are taken care of prior to searching for your home.

Here are a 10 Items to You Will Need For Your Mortgage:

 

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  1. Drivers License
  2. Secondary IDs (Social Security Number/Card, Passport)
  3. Most recent pay stubs
  4. Copy of Tax Return (Signed)
  5. W2 forms from Employers for last 2 years, Document Employment History (Each Lender will vary)
  6. Most Recent Bank and Asset Statement
  7. Fully executed purchase contract for the property you are buying (needed later)
  8. If refinancing, a copy of your deed
  9. Name, address and phone # of your landlord – if you are currently a renter.
  10. Name, address, phone, fax #s and e-mail address for your Agent/attorney – to coordinate the closing (depending on which state you live in)

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🏡 #Home Maintenance Guide – #Irvine #RealEstate

Home Maintenance Guide red   - Christina Khandan -  Irvine California Realtor - www.IrvineHomeBlog.com

As a landlord or property manager, examine your units regularly for these minor fixes and take care of them before they become a huge expense. Few basic rules to follow for your home maintenance needs. Specially if you are getting ready to sell.

 

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1. Check for leaks.

Identifying-and-fixing -  - Christina Khandan -  Irvine California Realtor - www.IrvineHomeBlog.com

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2. Re-caulk showers and tile grout.

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3. Update electrical wires.

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4. Re-paint your property.

Don't-wait-until-you-can  - Christina Khandan -  Irvine California Realtor - www.IrvineHomeBlog.com

5. Replace the air filters.

Waiting-for-your-air -  - Christina Khandan -  Irvine California Realtor - www.IrvineHomeBlog.com

6. Regularly test smoke and carbon monoxide detectors.

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7. Check for pests.

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8. Landscape

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Considering to Buy vs. Rent – #Irvine #Home

Home for rent my pic

Keep Renting or Not?

Many people question themselves regarding whether they can afford to buy a home or should they continue to rent. With competition so high in local communities regarding school, education, home & car, should they follow family and friends and become a Home Owner or Not?

While there are many sides to both decisions and the final reasoning is what you know about your personal and financial situation, there are a few simple signs Why you should keep on renting?

 

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1. Uncertain about your Job – If you know your job will force you to relocate, Job instability and possible termination of short term contract then you can pretty much know Renting is the best option. Consider being an Investor if you have enough funds.

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2. Amount of Savings – From time to time you hear from Home builder or media about the low down payment options for home purchase, Mortgage Rate or low Introductory interest rates. If you do not have enough funds to put down substantial amount of down payment and your monthly payment along with taxes and HOA’s will be a drain on your financials then you are still ok to rent.

3. Home Ownership Responsibilities – Take the time to research home ownership along with all that comes with it. This is not like impulse buying at the mall for that Shoe or handbag. When you purchase a home you will have responsibility for all things related to the home. If you have broken pipes or a  damaged roof, its all your responsibility. Do you have available funds and the nerves to deal with fixing and maintaining your landscape, Sinks, Faucets, Garage door the list goes on. If you will stay up worrying about the clogged toilet, then you might want to rethink the concept of home ownership at this time and keep on renting.

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These are just a few guidelines to follow before making the big move into Home Ownership. The purpose of this post is not to deter you from buying a Home, even thought I would love to have you as a Client, but to make you aware of yourself and what your capabilities are before making the big jump.

Helpful Khan Academy Video regarding Rent Vs. Buy Options for Real Estate

 

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🏡Stage a Clean #Home – #Irvine

built in nook
built in nook with a very clean look

Preparing your home is key to making sure you receive the best purchase offer possible.  This is one of the key responsibilities of a good Realtor. When choosing your Realtor make sure they plan to work with you from the beginning to the end. You need someone who knows how to Stage your home according to your budget and make it sell for best Dollar. One thing to keep in mind, spending thousands  of dollars on new furniture and appliances should not be your priority.

Read More: Choose Your Realtor Wisely

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Do not allow your Realtor to take pictures for Listing your home until you are ready and comfortable with the way your home looks.

Most buyers these days pretty much choose the home they will be buying via the internet Search. They will visit the home last just to confirm what they have seen. Buyers do not have the time and they prefer to do most of their research online, that is why you need to have quality staging followed by great photographs.

Here are some basic rules to keep in mind and implement:

1. Remove all clutter – you want your house to be seen and focused on rather than your belongings. Remove your personal belongings. Leave three items of varying heights on each surface For example, place a lamp, a small plant, and a book on an end table.

2. Furniture Placement – After #3, you need to rearrange the furniture to what is trending now. Ask you Realtor for assistance. This is one of her main duties to make sure the house looks good and furniture is placed properly around the house.

3. Furniture – Cut back on the furniture. If you have a lot of  items covering pretty much all of the living room corners, you know what you need to do.

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4. Clean the house – Do a Thorough cleaning of the house, if some touch of paint is required, get it done. Baseboards always can use some color.

5. Color – If you can add it to the budget add some color to some of the rooms. Use current fashion paint, visit home models or ask your Realtor for ideas.

6. Landscape – If you do have front/back yard make it look the best it can. Add some flowers and new soil along with lighting to the front of the house. If you have outdoor sitting, BBQ, Fireplace, make sure they are cleaned and up to par. Investment in a small fountain is not a bad idea.

 

 

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🏡 5 Things to Consider When Buying Your #Home – #Irvine

Always Remember: Neighberhood, School and Price

Always Remember: Neighborhood, School and Price

 

Few Secrets to Buying Your First Piece of Real Estate

Choosing where to live and work can be difficult specially if your are just getting started out of school and are starting a family. There are some basic simple rules to follow when you are deciding where to live and raise your children. These are simple and to the point so take a minute think how each will relate to your lifestyle and requirements.

 

1. Community – Basic conveniences, access to park and Entertainment, Family and School District

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2. Mortgage – Pick what you can afford
3. Inspect – Get a home inspector before buying a home
4. Decor – Look past the decor of the House you are looking at and imagine the house empty

5. Outside Influence – Keep the Decision making process limited to key few people

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Short Video showing you some basic Criteria to look for before Buying your Home

 

Affordability:

 
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🏡Mello-Roos Tax – #Home #Irvine

Mello Roos Pic

In 1789, Benjamin Franklin wrote, in a letter to Jean-Baptiste Leroy, “ . . . in this world nothing can be said to be certain, except death and taxes.”

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And one certain thing about taxes is that, once imposed, they are usually increased, seldom reduced, and almost never go away.

In 1978, California voters passed Proposition 13, which restricted the ability of local public agencies to raise funds by increasing property taxes. To provide an alternate method of financing public improvements, state Senator Henry J. Mello (D-Watsonville) and Assemblyman Mike Roos (D-Los Angeles) co-authored the Community Facilities Act of 1982.

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This Act made it possible first to define a community facilities district (CFD) and then to tax all of the parcels within that district as a means of paying the principal and interest on bonds used to fund facilities—such as parks, roads, and schools—for that district.

Thus, rather than forcing builders to pay upfront for projects to meet the needs their developments created, it was possible for government agencies to borrow hundreds of millions of dollars for those projects and to pay off that debt through Mello-Roos taxes collected over decades.

MelloRoos Def

 

Mello-Roos is a form of financing that can be used by cities, counties, and special districts (such as school disricts). Mello-Roos Community Facilities Districts (referred to as “CFDs”) raise money through special taxes that must be approved by 2/3rds of the voters within the district. A CFD is formed to finance major improvements and services within the district which might include schools, roads, libraries, police and fire protection services, or ambulance services. The taxes are secured by a continuing lien and are levied annually against property within the district

All new communities in Orange County will impose some level of Mello-Roos tax to support their Education, Parks and more. Communities that do not impose this tax are always older homes within the community. That is not to say older homes in Irvine or rest of Orange County are in less quality school districts.

My advice to my client purchasing homes in Orange County is:

  1. Plan for Minimum 1% Property Tax
  2. Your monthly Mortgage Payment
  3. Homeowner Association dues (HOA)
  4. Homeowner Insurance
  5. Always have your Agent Check for Mello Roos Tax

Knowing these basic rules when planning to purchase a home you should have a pretty good understanding of your monthly confirmed expense for your home purchase.

Usually you can put in a property address and see the breakdown of all the taxes if you go through the “pay your bill online” button. I have found searching by address to be a little unreliable though. By parcel number always works.

Resources:

Orange County Treasurer Tax Collector

 

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🏡 Home Inspection – #Irvine #Home

Home Inspection Done Right

 

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During the past several years many homes sat on the market for extended period of time and then were upgraded and rehabbed to be up to standard.

Many of these homes were obviously taken over by banks and during the financial crises banks did not have time to collect all needed document like seller disclosure, inspection report etc.  Also when the Banks sold the homes they could not provide Seller disclosures to the new buyer. In many cases the new Buyer which was flipping or just doing a quick transaction refurbished, cleaned up and did minor upgrade to the homes and then sold them for quick profits.

Home Inspection will Help you with Price Negotiation
Home Inspection will Help you with Price Negotiation

 

Some of the new owners of these homes are now running into old problems which would normally show up on the Seller Disclosure documents or inspection reports assuming they existed prior to their purchase. There could be Cracked plumbing,  sewer line problems, mold in the walls from water damage, but none of this was disclosed during the financial crises fast moving home transactions.

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There are some basic things a buyer needs to do when buying a home:

1. Make sure you have a professional home inspection by a reputable Inspection company local to the area.

2. If your county has access to housing inspections reports, it would be best to access them and try to pass the data to the inspector for additional review.

3. Look up city permits for any work done on the property and look for any special work as reference and pass it to your inspector.

Since the financial crises many homes have been bought and sold and many with the same problem being passed along to the next buyer. Take the time and make sure regardless of the homes age, you request for a full home inspection and pay for it.

 

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Few Home Inspection Checklists to review:

 

Home Inspection Checklist
Home Inspection Checklist

 

 

Home Buyer Inspection checklist
Home Buyer Inspection checklist

 

 

Home Buyer Mold Checklist
Home Buyer Mold Checklist

 

 

 

 

 

 

 

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Contact me for any Questions about the Real Estate Market, Schools, Communities around Irvine. If You are planning to Relocate to Orange County or are Looking for Vacation Home & Investment Property Please do not hesitate to Send me an Email Email

 
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Keller Williams OC Coastal Realty
949-433-0803. Mobile
714-388-3771. Fax
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🏡Homeowner Association Dues (HOA) – #Irvine

Homeowner Association & Credit Score -  - Christina Khandan -  Irvine California  - www.IrvineHomeBlog.com\HomeDecor
How Homeowner Association Dues can affect Your Credit? If you live in a community with a homeowners’ association, you probably have to pay association dues. They can run anywhere from less than $100 a year to more than $1,000 a month, depending on the community. What happens if you don’t pay?
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What can HOA members do to protect themselves?

First thing to understand is Credit report items related to Homeowner Association Dues (HOA) do not show up on your credit report unless there is a problem.

The only way the credit reporting agencies get this information is via a negative reporting from a foreclosure or judgement. Many reporting agencies have people that comb through the public records for this kind of information, and this is usually the only other way this can show up on a homeowner’s credit report.
To avoid any credit damage from your HOA, try to make payment arrangement with the HOA and do whatever you can to get current.It is best to get started on this before the HOA Attorney receives your file for collection. This could and will result in Attorney fees and expenses.

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HOA payment obligations on a property are a legally binding promises between the Homeowner and the HOA and is enforceable under law.

If you are experiencing payments delay issues, monitor your credit report and get a free credit report once a year to see if anything shows up on your credit report. (CreditKarma.com) is a good source.

 

Prior to purchase of any home within an HOA, make sure you read and understand all restrictions and rules regarding your homeowner association.

 

Homeowner associations are responsible for much more than just payments. If you do not paint your home or take care of your Landscape they will send you fix it notice and an allotted time to take care of it. If you do not take care of these requests, plan to be paying large fines until you take care of them.
When searching for a home I always tell my clients to be aware of Homeowner Association Neighborhoods. Yes they are great to have for when you have a neighbor which wants to change their home color to Pink but at the same time you have to follow the rules and upkeep your home.

 

 

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Personalized Service Beyond Expectation – by Christina Khandan

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