Survey: American’s Dream of Home Ownership Alive and Well

Realtor.org | A vast majority of Americans believe that buying a home is a solid financial decision, and most believe they could sell their home for at least its initial purchase price, according to a new survey from the National Association of Realtors®. The 2015 National Housing Pulse Survey also found that a preponderance of Americans think that now is a good time to buy a home.

The survey, which measures consumers’ attitudes and concerns about housing issues in the nation’s 50 largest metropolitan statistical areas, found that more than eight in 10 Americans believe that purchasing a home is a good financial decision, and 68 percent believe that now is a good time to buy a home.


Presented by
Larry Cirnigliaro
Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649 | EMAIL | WEBSITE | CA# 01186227
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Live In A National Park? Yes you can!

Yes, you can live in virtually any one of America’s great national parks because they all include some amount of privately-owned real estate within their boundaries.

Buy a home inside a National Park and you’ll acquire the usual benefits of property ownership along with proximity to some of the most inspiring landscapes and fascinating wildlife populations in North America. Park ecosystems range from valleys and plains to mountains and forests. The National Park Service (NPS) safeguards selected ecosystems in every corner of the country.

Pretty much every park unit in the NPS system has private property within the boundary. For lands that the government does not own, local zoning applies. In any park boundary established by legislation, there is government-owned property and fee-owned or privately-owned property.

The National Park Service does not monitor those private properties and they are not in the real estate business. Privately-held land within a Park is sold in the same way every other parcel of real estate in the country is sold – either directly by its owners or through a real estate brokerage. Owners have the same rights of ownership as residents anywhere and can bequeath their property, sell it or even gift it as they wish. Renovation and construction is subject to local bylaws and regulations.

The NPS does not sell or make available for sale, publicly-owned park land. On the rare occasion when land would be sold, federal legislation would be required and the property would be put up for public auction.

Smart Home Security Checklist

Daily Real Estate News | The growing number of smart-home devices in houses has begged the question of security. These devices can be particularly vulnerable to hackers who may want to break in to home owners’ private networks.

We’ve highlighted some quick tips below that will help keep Smart Home Devices less vulnerable to hackers.

Click here for an entire Smart Home Safety Checklist:
Reset privacy and data sharing settings to reflect your preferences. For example – data collection and sharing, camera and microphone settings and other device functions.
Obtain confirmation from previous occupants and vendors they no longer have administrative or user access.
Reset access and guest codes for gates and garage door openers.
Update and modify all system passwords and user names upon taking possession of your new home or rental unit. Where possible create unique passwords and usernames for administrative accounts.

Presented by
Larry Cirnigliaro
Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649 | EMAIL | WEBSITE | CA# 01186227

What kinds of mortgages are available these days?

A. There are many different loan programs from which to choose and there is competition so you should contact at least three different lenders. Under the new mortgage lender rules issued by the Consumer Financial Protection Bureau (CFPB), it is actually very easy to shop and compare. The three basic loan programs are as follows:

Conventional: this type of loan in generally available from a bank, a mortgage broker, or a credit union. They can be a fixed rate loan or an adjustable rate loan (called an ARM). ARMs have a periodic interest adjustment, up or down. When interest rates are falling, an ARM can be a good deal. However, when interest rates are rising you are guaranteed to see the interest rate go up at the end of the first year. All lenders are now required to provide you with a written explanation of the way their particular ARM works.

VA Loans: This type of loan is only available to military veterans. They are guaranteed by the Veterans Administration and there are certain conditions which must be met if you want a VA loan.

FHA loans: This loan is insured by the Federal Housing Administration. FHA will guarantee the lender against a default by the borrower, but the borrower will have to pay an insurance premium for this coverage. Once again, there are conditions which must be met before such loans can be obtained.

These are the basics and creative lenders are always coming up with new programs in an effort to be competitive. However, not all these loans are in your best interest. You should shop around, and don’t accept the first loan that is offered. Remember that the life of the loan may be as long as 30 years – and that’s a long time to be stuck with an uncomfortable loan.

I’d be more than happy to discuss this further with you and answer any questions you may have. Just give me a call.

How to do your own early home inspection

Before you buy a home, it’s always a good idea to get a professional home inspector—but that shouldn’t be the only time you give your home a thorough look. Here’s a checklist of what to look for when performing a yearly visual inspection on your own home, or one you are considering buying.

A professional home inspection should not be skipped when buying a property. But when you first visit the house, you can also do your own visual inspection so you can watch for certain trouble spots. Even after you buy the house, doing this at least once a year will catch most issues before they become major problems.

You’ll need a pair of binoculars, flashlight, gloves, screwdriver, notepad and pen, and a camera to document problems. Click here to view the inspection list

Existing Home Sales on Track to Expand

Realtor.org | Following the housing market’s best year since the recession, existing-home sales are expected to increase in 2016 at a moderate pace; according to an economic forecast forum here at the 2015 REALTORS® Conference & Expo.

The pent-up demand for buying in recent years finally broke out in a meaningful way in 2015, fueled by sustained job growth in many parts of the country and rising home values, giving homeowners the incentive to sell – a trend that Lawrence Yun, chief economist of the National Association of Realtors®, expects to continue into next year.

“Sales activity in 2016 will once again be primarily driven by the ongoing release of more pent-up sellers finally realizing their equity gains and using it towards the down payment on their next home,” said Yun.

Presented by
Larry Cirnigliaro
Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649 | EMAIL | WEBSITE | CA# 01186227

Our Goals: To Maximize Profits To Minimize Hassles

There are two types of real estate agents, aggressive and passive. List with a passive agent and your home will be put in the multiple listing services with the hope that another agent will find a buyer for it. The MLS and a sign are about all you’ll get.

An aggressive agent will implement a proactive marketing plan designed to bring as many potential buyers as possible into your home. Instead of taking a wait and see posture, the aggressive agent attacks the marketplace. His or her goal is to assure that 100% of the buyer pool is made aware that your home is available.

Because there is a direct correlation between the numbers of buyers who see your home and its final sales price, it is important to list with an agent that aggressively pursues buyers.

You will not find a more aggressive marketing plan than the one we offer. Our goals are to maximize your net proceeds and minimize hassles.

Rule Your Kitchen like a Master Chef during the Holiday Rush

REALTOR.ORG | Oh, the holidays—a time to sink or swim in the kitchen in front of all the friends and family you offered to host after that third glass of wine at a casual get-together in early November. The best way to set oneself up for success is to prepare, according to the National Association of REALTORS® consumer website HouseLogic. To set up a kitchen like a professional chef (especially for the holidays), HouseLogic outlined several ways to get organized, including choosing the right appliances (if you can, splurge for a gas stove for greater cooking control); learning to work in a tight, strategic kitchen space and making sure everything is nearby so you don’t have to run around too much; and planning for more than one cook since people love to congregate in the kitchen.

Check out HouseLogic’s tips for preparing a kitchen for those special holiday meals. Talk to homeowners and local chefs in your area to see how they organize their personal kitchens during the busy entertaining season.


Presented by
Larry Cirnigliaro
Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649 | EMAIL | WEBSITE | CA# 01186227

Incredible Internet Exposure

In the new millennium, the computer influences nearly every aspect of our lives. The process of selling a home is no exception. In excess of 80% of today’s homebuyers use a computer in their search for a new home.

Real estate websites are among the most powerful marketing tools available to the modern Realtor, and yet, there are thousands of agents nationwide who are still not Internet savvy.

When choosing a real estate agent to market your home, please give consideration to the Internet exposure being offered by the individual being interviewed. There is often a direct correlation between the amount of World Wide Web exposure provided and the final sales price received.

When given the opportunity to sell your home, we guarantee, in writing, that it will be exposed on multiple websites. Your home will be presented to the world using the most effective, most professional electronic formats available to the real estate industry.

Presented by
Larry Cirnigliaro
Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649 | EMAIL | WEBSITE | CA# 01186227