Is the Home Office on Its Way Out?

realtor.org | The home office is becoming less important to homeowners, even though more people are working from home now than ever before.

Homeowners are finding less need for a central space for their work, according to a recent article in Bloomberg. Developers are realizing the change and are adopting house plans to accommodate the greater desire for open spaces instead. They’re adding in workplace nooks and power stations rather than an entirely separate space to work from.

Homeowners’ needs for a dedicated office with a big computer, fax, and printer are fading. Workers are no longer tethered by a cord and are favoring laptops and mobile accessories to do their work. That allows homeowners to take their work anywhere around the home, from their kitchen and living room to their bedroom.

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Follow these tips to stay secure on-the-go. Staying safe on the go!

Password-protect your smartphone: Always lock your phone when it’s not in use, set it to automatically lock after being idle for a set amount of time. Set your phone to use a longer and stronger password than the default 4-digit unlock code if this option is available on your phone. For even better security, set your phone to erase all data after 10 bad password attempts.

Clear data from your smartphone frequently
Delete text messages from financial institutions, especially before sharing, discarding, or selling your phone. If you visit banking websites using your phone, delete the cookies and cache regularly. Better yet, use dedicated apps for online banking.

Always download apps from reputable sources
Criminals try to lure people into signing up for mobile banking using fake apps and/or websites.
Always visit your direct mobile banking site to verify the sources of your online banking applications. If you’re considering adding an app to your mobile device, review the app’s permissions so you understand what the app is capable of doing before you decide to download it.

Remove personal information before replacing your smartphone.
Don’t rely on carriers, recycling firms or phone deposit banks to “clean” your phone before disposal or resale to third parties. Follow your phone manufacturer’s instructions to remove all personal information from your phone before decommissioning it.

Survey: Higher Rates Don’t Scare Buyers

Daily Real Estate News | Despite mortgage rates being on the rise home buyers say the increases aren’t scaring them away from their real estate search, according to a new Redfin survey.

Though mortgage rates have moved higher, borrowers on the whole are still appreciating how low they are historically and are taking advantage of the opportunities still at hand before rates move any higher. Despite nine consecutive weeks of rises in mortgage rates, the annual average for the 30-year fixed-rate mortgage was 3.65 percent in 2016 – the lowest annual average ever recorded by Freddie Mac.

Twenty-five percent of respondents say the rise in rates does not impact their home buying decisions, and about 24 percent say they feel a greater sense of urgency to buy before rates go up further.

First Increase in over a Decade as FHFA Announces New Loan Limits

FHFA.gov | The Federal Housing Finance Agency announced that the maximum conforming loan limits for mortgages acquired by Fannie Mae and Freddie Mac in 2017 will increase.

As of Jan. 1, households will be able to get larger FHA loans for their home purchase. In high-cost areas borrowers will be able to get loans as high as $636,150, almost $11,000 more than what they were able to get in 2016. In low-cost areas, they’ll be able to get loans for up to $275,665. That’s up from $271,050.

Fire Safety and Prevention Tips to help keep you safe this winter

Redcross.org | The most effective way to protect yourself and your home from fire is to identify and remove fire hazards. 60 percent of house fire deaths occur in homes with no working smoke alarms. Below are 7 fire safety and prevention tips to help keep you safe:

Fire Safety Tips
1. Talk with all household members about a fire escape plan and practice the plan twice a year.

2. Install smoke alarms on every level of your home, inside bedrooms and outside sleeping areas.

3. Test smoke alarms once a month, if they’re not working, change the batteries. Smoke alarms should be replaced every 10 years.

4. Turn portable heaters off when you leave the room or go to sleep.

5. Keep items that can catch on fire at least three feet away from anything that gets hot, such as space heaters.

6. If a fire occurs in your home, GET OUT, STAY OUT and CALL for help.

7. Talk to your children regularly about the dangers of fire, matches and lighters and keep them out of reach. Click here to download the Monster Guard: Prepare for Emergencies mobile game to teach kids about fire safety and other disasters.

Call today, let’s discuss your individual goals for purchasing or selling a property and find out if you can benefit by these low rates. Larry¬†Cirnigliaro (714) 394-6649 – For all your real estate needs.

How important are pictures of your home for sale?

That old adage “A picture is worth a thousand words” is especially true in the sale of a home. Most buyers do internet research when they’re looking for a home and they spend over 60% of their time looking at photographs.

Only when they like what they see will they look at a home’s specifications… taxes, room sizes, heating systems, etc… Often the description is even superfluous and overlooked by buyers if they love the pictures.

So, obviously, the pictures better be good and often they are not. I am constantly amazed at the lack of professionalism in the photos I see in the MLS. Poor photo quality, bad staging and choice of what to show (how many pictures of bathroom sinks do you want to see) are some of the mistakes sellers make.

Your house is competing with other homes visually for a home buyer’s attention. If you have poor, badly thought out photos taken in minutes your home cannot compete with the many homes with quality photography.

Out of focus, dark, poor color balance, crooked photos of homes that are not in proper showing condition will be overlooked by potential buyers for your home.

After pricing your home properly, quality real estate photographs are the most important marketing tool you have. And a good photograph is much more than a technical problem of lighting and exposure. It is also a function of proper staging and an understanding of design concepts.

If you are getting your home ready to sell, one of the best things you can do is hire a professional real estate photographer. You’ll get 15-30 quality pictures that show your home to the best possible advantage. For the few hundred dollars it will cost, you could very well realize a much higher selling price.

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

What it Means to Be a Good Neighbor

Realtormag.com | Ninety-nine percent of Americans say they’re a good neighbor, finds a new survey by the Community Associations Institute, a community association governance and education group.

What is a good neighbor? Being quiet, friendly, respecting your neighbor’s privacy, and cleaning up after your pet, CAI’s 2016 National Good Neighbor Day Survey finds.

Eighty-three percent of respondents say face-to-face interactions are the most common way they communicate with their neighbors.

Also, having a dog helps to meet your neighbors, the survey found. Eighty-three percent of respondents said they get to know their neighbors while walking their dog.

Many people say they’re proud of the neighborhood they live in. Eighty-six percent say they are proud to live in their neighborhood and actively recommend it to their friends and colleagues.

Call today, let’s discuss your individual goals for purchasing or selling a property and find out if you can benefit by these low rates. Larry¬†Cirnigliaro (714) 394-6649 – For all your real estate needs.

We make things happen

It is amazing how much luckier the homeowner is who lists his or her property with an action oriented real estate agent. Good luck just seems to follow the seller who has the hardest working agent. He or she always seems to be lucky enough to sell for a better price and to endure fewer inconveniences than the homeowner who has listed with a passive agent.

An agent with an aggressive marketing plan can save a home seller a lot of time, earn a lot of money for him or her, and eliminate a lot of aggravation. If you are thinking of selling a home, seek out an active agent!

We guarantee that our marketing plan is one of the most aggressive in the real estate industry. We give you our plan in writing, and if we don’t perform as promised, you will have the right to cancel the listing agreement.

Thank you for your consideration. You are appreciated!

Presented by Larry Cirnigliaro Real Estate Broker CRIA President CEO
Coastland Realty, Inc., California
714-394-6649
E-mail: LarryC@agents.househunt.com
eBusiness Card / My Home Page
CA# 01186227

Low mortgage rates = new home-buying opportunities

Mortgage Interest rates just hit new 10-week lows due to the Fed’s decision to hold-off on raising rates.

With the housing market heading into the winter months, now is a great time to buy a home, vacation home or rental property.

Call today, let’s discuss your individual goals for purchasing or selling a property and find out if you can benefit by these low rates. Larry¬†Cirnigliaro (714) 394-6649 – For all your real estate needs.

Drink Lemon Water

We all know that we need to drink plenty of fluids in order to stay hydrated. Drinking lemon water is a tasty way to get a lot of benefits.

It reduces inflammation. Lemon water reduces the acidity levels in your body that leads to inflammation. It also reduces levels of uric acid in your joints.

It helps digestion. Lemon water reduces toxins in the digestive tract and helps counteract the problem of heartburn and bloating.

It helps to lose weight. Lemon water contains pectin fiber. Pectin fiber is known to help suppress food cravings, especially for sweets.

It cleans the system. Lemon water stimulates the liver, which stimulates enzyme activity in the body. This helps the liver work more effectively to remove toxins from the body.

It helps the immune system. Lemon water is full of Vitamin C, which is vital to the immune system.

It will help the skin. With its ability to remove toxins from the blood, lemon water has a major impact on keeping the skin blemish free.

It will help heart and brain health. Lemon water contains high levels of potassium, which contributes to the health of our vital organs.

It replenishes body salts. Efforts that cause you to sweat a lot deplete important salts. The potassium in lemon water as well as the way in which it balances out the pH level in the body helps restore lost salts.

It helps prevent colds. Most common cold remedies contain lemon in some way. The vitamin C in lemon water can help again