Author: Cuselleration

Mortgage Do’s and Don’ts

Posted on | by Cuselleration

If you are looking forward to venturing into mortgage investments in Orange County, it is important for you to have a clear understanding about what you should do and should not do. This will assist you in avoiding frustration when you are dealing with your investments.

First time home buyers should learn more about the loan process to be adequately prepared for buying their first home.

Here is a list of DO’s and DON’Ts to keep in mind when you are dealing with mortgage investments in OC.

DO

Take a look at your credit report
Initially, you should take a look at your credit report. If you have a high credit score, you have the opportunity to go for a better mortgage. If you can pay it in a timely manner, you will be able to improve your credit score in the future as well. If you want to get a better understanding of your credit score, you should take a look at your FICO score. It is offered to you for free by financial institutions at the end of the month. You are also provided with the ability to purchase FICO from one of the reputed credit rating agencies. If your credit score is not good, you don’t need to worry because there are effective tips that you can follow to improve it within a short period of time. It includes paying your bills and debt on time and reducing the number of debt you owe. Click here to get your free credit report.

Reduce the debt to income ratio
Your debt to income ratio tells how you are capable of managing your monthly payments. As a result, the mortgage lenders take a look at it before lending the requested amount. To create a positive impression on an Orange County mortgage lender, you will have to reduce the debt to income ratio. It would be better if you can reduce the ratio down to 36%. If you have a stronger ratio, you will be provided with the opportunity to go for a better mortgage rate. Increasing your monthly gross income and reducing your monthly recurring debt can be considered as two of the best options available.

DON’T

Spend too much on your mortgage
After you obtain the mortgage, you shouldn’t spend most of your money on it. If you do, you will end up with financial difficulties in the long run. Based on your income, most companies push you to take the largest loan you are approved for,  which is why you want to find the right mortgage provider. Ryan Grant is a great Orange County mortgage company who provides a more educated loan process and look at all your finances to help you determine the best mortgage for your overall financial situation. This doesn’t mean you need to go ahead and obtain that maximum recommended amount. If you do, you will have to spend most of your monthly income on the mortgage payment. As a result, you will have to compromise on many other things in your life. Just take a look at how many years are left for you to pay the mortgage installments. You will realize how much frustration you will have to go through and the sacrifices you will have to make when you have pay too much on your mortgage.

Expect refinancing to reduce the interest rate
There is a possibility for you to save money. You just have to focus on shortening the term of your loan. In other words, you will be able to save money if you go for a 10 year fixed rate by giving up your 20 year mortgage.

On the other hand, cash out financing can also assist you with some major savings. With this approach, it would be possible for you to let your home equity settle down the other debts. This way, your monthly installment would increase because you shorten the duration of the mortgage. Also, you would be able to reduce the rate of interest, which can help you save money in the long run.

All in all, we conclude that the mortgage rates are always changing. If you’re interested in learning more contact Orange County’s top lender, Ryan Grant.

Ryan Grant’s team of mortgage experts focus on giving their clients a more educated, more motivated and more confident home buying experience so we trust you will be in good hands!

We take great pride in ensuring all clients have a phenomenal experience buying a home. Visit us at cotoconnection.com and a member of our team will contact you shortly. We look forward to speaking with you soon!

Why Being Thankful is Good for You

Posted on | by Cuselleration

So it’s Monday. And it’s raining. You spilled coffee on your cell phone. In short, this day is looking pretty bleak. So you may want to take your wet cell phone and send a snarky text message to a significant other, but we want you to consider a different approach. Being grateful is good for you.

Did you know gratitude can make you live longer? We know intellectually that we should be grateful, but for some of us, that only happens for a minute or two on Thanksgiving. Everyday life is messy and annoying, and often overshadows our intentions to count our blessings. So let’s think about why we should feel grateful, even if it isn’t on Thanksgiving, looking at our carb-heavy plate.

Shutterstock/Nikolai Sergeev

When you genuinely appreciate the good things and people in your life, it’s good for your health, and the health of those around you. Grateful people are more sensitive and empathetic toward those around them, and don’t have a strong desire to seek revenge. Even if things are feeling dark and lonely, finding the good in life can remind you of brighter days to come. In fact, if you consciously focus on the good in life, the dark spaces seem to fade away.

Okay, you’ve got my attention. Prove it.

Gratitude Reduces Your Stress and Improves Mental Stability

A study of Vietnam War veterans from the National Institutes of Health found those with higher levels of gratitude experience a lower incidence of PTSD (Post Traumatic Stress Disorder.) Being grateful can help you weather life’s storms.

Gratitude Improves Your Relationships

If you want to relight the fire in your relationship, tell your partner why you are grateful they are in your life. People who take the time to express gratitude felt more positively toward them and more comfortable expressing any concerns about the relationship. According to a study by the NIH, both men and women who have grateful partners felt more connected to their relationship, and more satisfied with it. Sounds like a win-win.

Being Grateful Helps Your Heart

Having a grateful heart actually helps your heart. Researchers say appreciation and positive emotions literally protect your heart from disease. Studies on optimism show being grateful can reduce your blood pressure, therefore reducing your risk of hypertension and congestive heart failure.

Being Grateful Helps You Sleep Better

Yep, it’s true. The more gratitude you feel, the better night’s sleep you will enjoy. Writing in a gratitude journal for 15 minutes before going to bed was shown in studies to help students worry less and sleep longer and better. Researchers explain that when falling asleep, grateful people are less likely to think negative or worrisome thoughts that impair your shut eye. So be grateful, and catch those Zzzzzzz’s.

Another Reason to Tell Your Employees ‘Thank You’

Everyone likes to feel appreciated. Whether you are climbing the corporate ladder, a student, a CEO, we all need to feel the love every now and then. One study showed employees who are thanked by their managers are more motivated to work harder. Students earn higher GPA’s and have better social skills when they feel appreciated. A little ‘thanks’ can go a long way.

Shutterstock/Syda Productions

Psychologists say the best way to get out of a funk is to help someone else. That sounds like great advice to us. So we’ve put together a list of volunteers opportunities from OneOC.

  • Yoga instructor for seniors
  • Video Editor
  • Volunteer Reader
  • Grocery Rescue Driver
  • Math or English tutor
  • Habitat for Humanity Volunteer
  • School Pantry Volunteer
  • Spanish-speaking Support Group Volunteer
  • Adult Literacy Tutor

At The Kovacs Connection, we are grateful for your friendship, and grateful for living in this wonderful part of the US. So this year, rather than consolidating all your thankful thoughts into one holiday, consider Thanksgiving an opportunity to start incorporating gratitude into your life… every day.

Home Selling Tips That Will Earn You More

Posted on | by Cuselleration

Some home selling tips are more valuable for the first-time home merchant than others, and without them, you would never get a decent sale price. Although there are tons of guidelines available, we have compiled a few tips that are proven to help separate your home from all of the rest. You will be on the top of every potential buyer’s list!

Good Lighting
Here is a home selling tip that cannot be stressed enough, the lighting in your home should be perfect. This doesn’t mean you need to get an entirely new lighting system. However, putting in higher wattage bulbs for the showing, for example, is highly recommended.

Also, you should take down the drapes, trim any trees or bushes directly obstructing the light coming in your window, and clean the windows themselves. Natural light from outside is incredibly flattering for displaying your home. Not only that, it’s cost-effective seeing as it is entirely free.

If you have lamps with shades, make sure they are clean or even consider replacing them. Lamps of all sorts are great, but often their shades blunt the light from the bulbs with a particular purpose, such as with reading lamps. When you want that effect, they are brilliant.

When you are lighting a house, you should consider removing the shade, upping the wattage, or going the opposite route and removing the lamp altogether. The best option is to let natural light in, use the ceiling lighting (if possible), or get a new lamp that will brighten the entire room.

You will want as much light as possible to flood the space in your home and show off its cleanliness. People want to be able to see the fresh paint, the clean carpet, and that there are no major issues with the home. The easiest way to showcase this is with tons of bright lighting.

Don’t forget these ideas when lighting your new home as well, here’s a video that will help you start your new home off looking stylish and impressive.

Get Rid of Your Furniture
You may love your furnishings, but they work against you in a couple of ways.

First, your furniture will compete with all of that beautiful light we just worked so hard to bring into the house.

Second, your furniture will mentally block many prospective buyers. When they come, they are visualizing the home the way that they want to set it up.

Your furniture will be an obstacle to them seeing your home as their new home. Don’t allow that to happen!

If you already have a new property, we recommend moving everything out to the new house. If you don’t have your new place yet but are comfortable with putting your furniture in storage, we highly recommend going this route.

It might be a bit of a pain, but we assure you, this tip will sell your home much faster than if you keep your furniture inside.

Love Your Kitchen
You may not be much of a cook, heck, the buyer might not even be, but this is one area that every potential buyer pays extra close attention to. If you want a home selling tip that will work wonders, then show your kitchen some love!

You don’t have to redo your entire kitchen, but make it look presentable. You should consider re-grouting the tiling. Even if the tiles aren’t new, the vibrant white of a new grout job will give the appearance of a fresh new kitchen.

Just like any other alterations, you perform to get your home ready for an open house, keep this cheap. Why?

Buyers almost always look at the restrooms and the kitchen for immediate remodeling. Getting a new home seems to be the only excuse people need to get the kitchen and bathroom they’ve always dreamed of.

So, sinking a lot of money into remodeling your kitchen will likely be for not. We advise that you keep any and all repairs simple. We also can’t stress enough the way the kitchen looks to the eye.

Photo by Andy Dean Photography

We want to make sure that we have that gorgeous light flooding the entire room, and then you should add some polish to your appliances, metal fixtures, and all of your countertops. This will give your kitchen a sparkle that will get buyers picturing this as their new kitchen.

If you’re interested in more home selling tips that will get you a sale quickly, please call us at 949-350-0146 or email us at Debrakovacs@cox.net or realestatebyrana@gmail.com and we can help you really get things moving today!

7 Ways to Get The Most out of Fall in Rancho Santa Margarita

Posted on | by Cuselleration

Now don’t be scared. Yes, the wind is howling, the door is creaking and the dog is barking, but we’ve got you covered! Our team worked our way through fall in Rancho Santa Margarita to find some fun ways to spend the scariest time of the year.

Fall in Rancho Santa Margarita Means Orange:

Pumpkin City’s Pumpkin Farm

The color orange is the star attraction at the Pumpkin City’s Pumpkin Farm. It’s for fall, it’s fun, and it’s free! We’re talking about Orange County’s largest premier Harvest Festival. Talk about a perfect outing for the family! Free admission and parking, barnyard animals in the Petting Zoo, pony rides at the Pony Corral, puppet shows, amusement rides, thousands of pumpkins..need we say more?!?

Spooktacular Fall Family Festival

Tuesday, October 31–2pm-5pm

What a great way to spend time with your younger children on Halloween afternoon. Spooktacular gives your kids a chance to trick-or-treat in a fun and safe environment. They can play on multiple inflatables and bounce houses. There is also a costume contest as well as a child and pet costume parade. Just think of the possibilities! Enjoy some refreshments and have your picture taken for your memory book. Or Facebook. Or Twitter. Or Snapchat. Or Instagram..you get the picture!

Cinepolis Luxury Cinemas

Speaking of pictures: talk about a great spot for Girls Night Out, Date Night Out, or Some Other Special Night Out! Cinepolis is a premiere movie theatre and restaurant experience. Wander in and find areas to relax, order dinner and watch a frightening movie in comfort and style. Just have your sweetie nearby so you can grab him when the movie takes a dark and scary turn!

Cismontane Brewing Co.

Regulars to Cismontane love its cozy atmosphere and excellent choice of craft brews. Seating at this smaller craft brewing company is limited: the locals recommend ordering a growler. Cismontane Brewing typically has around 8 beers on tap, and many others bottled. Grab an outside table, order a meal from the Thai restaurant next door and they’ll deliver it right to you. Sounds like a plan!

Dailys Sports Grill

College and Pro Football is king this time of year, and the NBA is just getting started. Dailys Sports Grill can scratch your itch for lots of sports to watch with multiple TVs and good pub food. Excellent weekend spot to unwind and figure out what you’re going to wear to that Halloween party!

Dunbar Brewing

This is not a place for a witch’s brew, but rather a cool spot to hear music and gather with friends around a pint. Regulars say the bar will remind you of “Cheers” where everybody knows your name, but newcomers are welcomed with open arms. There are food trucks on location that can fill up your empty tanks. The beer selection is impressive and varied.

Spa Gregorie’s Day Spa & Salon

If the ghosts and ghouls are getting on your last nerve, Spa Gregorie’s might just be the antidote for your worries. It was voted Best Day Spa by American Spa Magazine, Day Spa Magazine, City Search and SpaFinder. This is a unique retreat for women and men, where guests can escape the rigors of daily stress. So unwind in this special space. Body massages and facials await, and there are couples package deals to die for!

 

So.., even if the dog is barking, the wind is howling, and the door is creaking, you can shut the door and head out to some fall fun in OC!

Why Changing Your Air Filters Pays Off In Rancho Santa Margarita

Posted on | by Cuselleration

It’s a rare find as a homeowner: a problem that is easily fixed for just a few bucks.

But the team at The Kovacs Connection are here with some good news: change your home’s air filters and improve the quality of your life for the cost of a couple of cups of Pumpkin Spiced Latte.

Now we’re all friends here: you can come clean. When was the last time you changed out your home’s air filters? Yep, I thought so. You’re in good company. Here are a couple of reasons why you need to be heading to the home improvement store:

Why Changing Your Air Filters is so Important: Air Quality

Okay, so this isn’t going to be pretty, but the air we breathe on a regular basis is filled with microscopic particles like dust, pollen, skin cells, mold, bacteria and a bunch of other unmentionables. You need to clean your home, but when you dust, sweep, vacuum, cook and just live you let loose all those little particles that can end up in your lungs. If you or someone you live with has asthma, allergies or other lung issues, this is really reduce the quality of your breathing life. In fact, the EPA ranks indoor air pollutants in the top five environmental health risks. Fortunately, there are high-efficiency AC filters that can catch all of these particles before they enter your home. However, an accumulation of dirt and particles will eventually clog up even the best AC filter and it will no longer be able to do perform as well. By replacing your filter regularly, you can ensure the air quality in your home stays as clean as it should.

So change those filters!

It’s More Energy Efficient

If your air filter hasn’t been changed in awhile, it gets clogged, and your AC or heating system has to work a lot harder just to pump air through the blocked filter. So your system is working harder, using more energy, and using up more dollars in your pocket when the utility bill arrives.

Pay Me Now, Pay Me Later

A huge reason to change your air filters is that it’s a cheap way to maintain your expensive heating and air units. It’s subtle and you may not realize it until your A/C unit stops working in the middle of the summer, but the cause may be that there has been too much strain on the system and it can no longer keep up with the demand. Cheap filters…New system…You decide.

Have We Mentioned It’s Cheap and Easy?

No calls to A/C repairmen and pay their weekend rates. No special tools. No lack of air temp where it’s just the way you like it. Just grab those dirty air filters, head to the home improvement store and walk out a new person. You’re breathing easier just thinking about it, aren’t you?

Okay, I’m Sold. How Often Do I Change Them?

It depends on how often you run your heat or air, what kind of filter you are using and what time of year it may be. If you have allergies and you’re sneezing, change them more often, which typically occurs in the spring and fall with pollen floating through the air and into your home. Experts with HVAC say check them once a month and replace them every three months. Best idea is to put in on your computer’s calendar for Jan 1, April 1, July 1 and October 1.

Enjoy Breathing Easy.

How Parents in Mission Viejo are Helping Kids Develop A-List Study Habits

Posted on | by Cuselleration

As a parent, it’s mission-critical: teaching your child good study habits in order to do well in school, and then in life. Televisions and cellphones are a normal part of a child’s life in 2017, but they can destroy his/her ability to concentrate. Here at The Kovacs Connection we put together a few tips to make homework more effective in less time!

Eliminate the Distractions

You know the feeling: you walk into a coffee shop with your laptop and plan on answering a few emails, and the person at the table next to you is nonstop chatty. It’s tough to concentrate on two things at once for an adult: much more so a growing child. Do your kids a favor and create an area away from the TV.

The kitchen table can be a great spot to spread out their books and papers, and as difficult as it can be, the cell phone needs to be put away during homework time. As the parent, you need to model this for them as well. Older students may push for a TV in their bedroom, but resist the urge: it’s easier to study in their rooms without the TV distracting them.

A computer is a ‘necessary evil’ because so many homework assignments are found online.  Make sure you check in with your child to see that the work is getting done, rather than browsing social media sites when they should be studying. There are a few software options to help parents limit internet distraction:

  • Self-Control for Macs: blocks a list of websites during study time
  • Cold Turkey for Windows
  • Stay Focused for Chrome Browsers
  • Leech Block for Firefox

Let There Be Light

Be sure there is plenty of light on the subject matter at hand. Overhead lights, lamps, windows can all help keep your child focused and awake.

Good Study Habits: We’re in This Together

It’s tough for children to concentrate while you are within earshot watching TV. While they are studying, finish up your work for the day. Maybe it’s laundry, writing lists, paying bills. You are modeling focused attention to a task, which will pay dividends in their future.

Set a Consistent Study Schedule When Possible

A lot of parents find providing a snack and a half hour of decompression after school can reset the ability to concentrate and focus. Extracurricular activities can alter the plan, but a focused hour of homework after school, and if needed, an hour after dinner can do the trick.

Write it Down

It’s been well-documented that people who write things down are more likely to remember them. You and your child should pick out a planner and calendar, and when they are old enough, have them write assignments down in the planner in order to take ownership of them and remember them.

Often, students come home with weekly folders that contain the assignments for the following week. Work with them to write them in their planners so there is a visual reminder of what’s coming up! Be sure and include vacations and holidays to keep them motivated!

Remember the Buddy System

Ask your child if they have a buddy who helps them with Math, or English, etc. Encourage them to get together to work through the material, quizzing each other in advance of tests. Just make sure you check in on them every now and then to make sure they are staying on task!

For more tips on living in Orange County, take a look at our past blogs here! And for more information about buying or selling a home in Mission viejo, give us a call today!

Best Family Biking Trails in OC

Posted on | by Cuselleration

Pump up the tires, fill your water bottles, grab your helmets and let’s hit the road! At The Kovacs Connection we know fall is the perfect time to spend with your family on two wheels. There are trails throughout OC for every athletic and skill level, but we’re concentrating on the best family biking trails! And if your wheels are in need of a tune-up, we’ve also given you some information on some of the best bike shops in OC.

Aliso and Wood Canyon Wilderness Park

This is a great trail if you’re thinking about a picnic mid-way. Aliso Creek Riding and Hiking Trail runs 18 miles from Laguna Niguel to Whiting Ranch. You and your kids are on a trail off the road, so you’re not worrying about the traffic. The massive trees provide a ton of shade, which makes it perfect for when the kids need to stop and rest. The rest areas have historical information about OC as well.

Photo Courtesy ocparks.com

Santa Ana River Trail

This is a great trail if you are biking with younger kids. The Santa Ana River Trail stretches from Huntington Beach to Weir Canyon Road, and the trail is away from traffic and pretty level. Keeps down the “Mom, when are we going to stop?” conversations. Some added benefits are the parks that you will ride to along the way, where the family can chill for a bit and the kids take advantage of the added play time and nature centers

San Clemente Beach Trail

This trail has a bit of everything for your family. First of all, it’s gorgeous, with the trails running right along the coastline. It’s not too long, and it ends at the beach, so pack a picnic and make a day of it!

Upper Newport Bay Nature Preserve

2301 University Drive

Newport Beach, CA 92660

(949) 923-2290

This is a great trail for the nature lovers in your group. The Upper Newport Bay Nature Preserve includes a 10-mile path called the Back Bay Loop. It’s a wide trail and takes you around the back bay area of Newport Beach. There are places to stop along the way, including a nature center, the Back Bay Science Center, and several picturesque parks.

San Diego Creek Bikeway

The San Diego Creek Trail is more than 9 miles long, and bisects the city going east-to-west.  On the western end, the trail connects with the Back Bay trail in the City of Newport Beach.  On the east end, it ends near the junction of I-405 and State Highway 133. Along the trail is easy access to parks, retail centers, neighborhoods and more, providing a welcome escape from the heart of a bustling city.

Best Bike Shops in OC

The Path Bike Shop

215 W. 1st St., #102

Tustin, CA 92780

(714) 669-0784

Rock N’ Road Cyclery

5701 Santa Ana Canyon Road

Anaheim Hills, CA 92807

(714) 998-2453

Santiago Cycling

115 Prospect Ave.

Tustin, CA 92780

(714) 544-6091

Bicycle Discovery

8800 Warner Ave.

Fountain Valley, CA 92708

(714) 841-1366

Two Wheels One Planet

420 E. 17th St.

Costa Mesa, CA 92627

(949) 646-7717

How Should I Paint My Home For Sale?

Posted on | by Cuselleration

Making your home for sale as attractive as you possibly can should be number one on your to-do list! Why? Because no one wants to look at an ugly house, let alone buy it!

The good news is, your house can be lacking in a lot of ways, but if it is given the right facelift, you’ll find that most people can start looking past the faults and see the home as their next potential house.

White Picket Fence

There’s a reason why this is the ideal home for most people; it’s incredibly appealing to the eye! This is the easiest way to make your home appear clean and new from the outside and give potential buyers a positive first impression.

This is also a good way to hide the imperfections of the home, for example, if you have signs of weather-related aging or growing mold, a fresh coat of paint will help soften them. Some might say this is false advertising, but it isn’t because they’ll still have the inspection to make sure that there are any significant issues with the home.

Photo By Shutterstock/V J Matthew

When you combine this with a trim that makes the house stand out, and a new roof (if needed), then you’ll be much more attractive to buyers. After all, everyone wants an impressive looking home that doesn’t require any roofing jobs on their end!

Stay Neutral Inside

Bright colors have a tendency of backfiring when you’re trying to sell. For some reason, it doesn’t attract buyers, and if you get the wrong color scheme for a particular person, all they will see is the amount of work that will go into painting over it!

Do yourself a favor and stay with the neutral colors when you’re trying to sell. However, it’s good to remember that when you get your new home, you can feel free to spruce it up to your liking.

If you’re going with the neutral colors, stick with cream colors, they’re not overpowering and can be easily changed when they move in.

Shades of Grey

The key to using greys for your interior when putting your home for sale on the market is to know your area. For example, a highly suburban area probably won’t attract buyers that are impressed by the use of greys.

On the flip side, if you’re selling in a trendier area, like near a fashion district or a bustling nightlife scene, the use of greys will go a lot farther. The reason for this is that grey adds a very urban, hip, feel to the space.

Photo By Shutterstock/ImageFlow

When you combine those greys with the right furniture, the urge to buy will be strong for the right person!

Earthiness

Going with earth tones will breathe life into your house, especially if you’re using the creams in your home that we mentioned earlier. The greens, blues, oranges, browns, and some reds are ideal for living rooms and dining rooms.

The trick is to use the colors lightly, for example, use a light shade of brown for the wall and incorporate the other colors in your furniture choices. A good example would be a blue couch with some orange pillows and a few plants.

The colors aren’t going to stand out and hurt the eyes because they seem more natural when used in combination. The main reason for this is that they often appear together out in the wild. Seeing them together in a home adds an attractive but rustic feeling to it

Go Green

Greens can do wonders for moving your home for sale. The only thing to be cautious of is going to dark or light. Doing this will either make them appear brown or blue because they’re so dark or wash the color out and make it seem yellow. Hitting the mark somewhere between those can really bring rooms to life.

The effect of green can be felt the best in rooms with hardwood flooring, a good amount of lighting (so a big window or a few small ones on different sides of the room), and white trim. This will add a soft and cozy feeling to the room.

Photo By Shutterstock/jaddingt

Another idea is to incorporate these in your bathrooms. You don’t need to make all of the walls green, or even the entire wall green. Half white and green walls in a bathroom can really create a pop to a bathroom that also makes it feel cleaner and friendlier.

If done tastefully, this can breathe fresh air into any room!

Still Not Sure?

Figuring out the proper paint and furniture scheme for your home for sale in Coto de Caza can be difficult. Finding someone with the right experience in the field is going to be a game changer.

If you need some other ways to spruce up your home for sale, call us at 949-350-0146, or email us at Debrakovacs@cox.net  and we’ll help you with fresh tips that will help you get out of your home today!

Can I Buy Foreclosures in Rancho Santa Margarita?

Posted on | by Cuselleration

Foreclosures are a tricky subject for the regular consumer, so understanding how to buy them is important before you start shopping for a deal. With the right people on your side, you shouldn’t have any problems!

Why Rancho Santa Margarita?

Rancho Santa Margarita is one of Orange County’s youngest cities, and it is a masterfully planned community set up on beautiful rolling hills. The outstanding amenities and serene natural surroundings offer up countless opportunities for new experiences.

Rancho Santa Margarita foreclosures are one of the best examples of finding a great bargain on a home for your family as it is a bank owned home. Bank owned homes, also known as foreclosures, can be an excellent opportunity to purchase a home below the market value and with a clear title ownership.

More About The Banks

It’s not uncommon for bank foreclosure properties to have multiple offers and often sell well below asking price.  The demand for bank owned properties in Orange County has reached an all time high due to low affordable prices combined with lower interest rates.

If you are thinking about doing a short sale for your home, please contact a real estate agent for valuable information before you put your home on the market.

Photo By Shutterstock/Kevin George 

How To Do It

Finding a real estate agent, doing your research, and knowing what you can afford will all help make the home-buying process much smoother. Before looking through Rancho Santa Margarita foreclosures, be sure you know about how buying a foreclosed home is different from a traditional home purchase.

The listings for foreclosure properties are a great source for finding great homes at a great price.  Be prepared to compete against buyers just like yourself if you find a property that you like, Rancho Santa Margarita home foreclosure listings are some of most sought after real estate in the entire country!

Getting A Quality Realtor

One of the most important qualities of a real estate agent is the ability to discover and address the diverse needs, wants, expectations and concerns of different home sellers and buyers. This ability can only come through really caring about people, together with a whole lot of practical experience and education.

There are a lot of bank owned and foreclosure properties for sale in Rancho Santa Margarita, California. Whether you are a home-buying pro looking for a deal on Rancho Santa margarita foreclosures or you are just searching for the perfect place to call your own, we can help set you on the path to achieving your home-ownership goals.

Photo By Shutterstock/Pressmaster

 

A real estate agent should be able to provide all of the foreclosure homes currently for sale Rancho Santa Margarita. Since timing is everything, make sure you sign up for home updates as they come in the market, that way when a Rancho Santa Margarita foreclosure becomes available, you are the first one to know. Find the home that is right for you.

We Can Make it Happen!

Want to find foreclosures for sale in Rancho Santa Margarita? It’s so easy with the Kovacs Connection on your side! If you need any advice or tips, feel to call us at 949-350-0146, or you can email us as well at Debrakovacs@cox.net. We have plenty of tips to help you and several services to offer!

 

How Marketing Your Home Will Help You Sell Faster!

Posted on | by Cuselleration

For most of the working class, the biggest asset they own in their life is their home. And when times get good for us, the next asset to invest in is usually a bigger home! For most of us, the sale of our current property is the number one factor in the purchase of a new one.

A lot is riding on it, and if your house is not going for a good price, then there may have to be a change of plans. This is why properly marketing your home is crucial!

It’s not just the price but the timing too. If your old house doesn’t sell within the decided time frame, you may not be able to make the payment on a new house, and someone will beat you to it. So before you start a down payment on a new place, you need to settle payments and other things at your old place.

In comparison, buying is much easier than selling. When you buy, you have in mind what you want, but when you sell, you need to dig deep to find that sales pitch, which not everyone is good at. This is where realtors come in. They have professional sales experience which will sell your home faster!

Here are a few tips on marketing your home that will better your chances of a quick sale:

1. Beautify What You Are Selling.

Photo By Shutterstock/ronstik

 

A thorough cleaning and a well-maintained house will always sell faster. A fresh coat of paint or any other small renovation which brings your home in simply ‘move-in’ condition will guarantee a quick sale.

2. Photograph Your Home.

If you aren’t that familiar with a camera, then let a professional do it. Get some good shots and market your home online for a quicker sale. Most real estate agencies do the job themselves.

3. Find The Right Real Estate Agent.

There are tons of real estate agencies, but not every agency can get your work done for you. Yes, it is a tad bit pricey than just doing it yourself, but there is a good chance that they will get you your price for a small commission.

Photo By Shutterstock/goodluz

 

4. Set A Reasonable Price.

This is a no-brainer. You can get a real estate evaluation done and then set your price, and a realtor will give you an idea of what your property can fetch you.

5. Get To Know The Real Estate Market Conditions At The Present Time.

Where the housing market stands plays a huge role in making a sale. Perhaps there may be a better time for marketing your home. This is why a professionals’ opinion will be valuable.

One thing that you need to do before you hire a realtor is this: research your real estate agent thoroughly. In a world of social media, it is not hard to dig around for feedback and reviews. Make sure the agency you hire has a good percentage of successful sales, happy clients, and the competency to market your home well.

Another benefit of hiring a realtor is to delegate the tedious task of handling all the paperwork. So if you don’t have the time, you can just hire a realtor who will manage all of that for an all-inclusive fee while you enjoy packing up, saying goodbye to your old home and move into your new one.

Make It Happen In One Call!

If you need any advice on marketing your home, feel to call us at 949-350-0146, or you can email us as well at Debrakovacs@cox.net. We have plenty of tips to help you and several services to offer!