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   HOA What are the Rules? When considering buying a house under an HOA, it is wise to first research the association to be sure that you can, and want to, live there.  Two of the most important things to find out are how expensive the dues are and how often they are paid.  The monthly payments might be so high that you won’t be able to afford to live there, even if you think you could afford the house. Another consideration is the set of rules that the residents must abide by.  For instance, a dog owner would be [&hellip

  What is an HOA?   HOA stands for Homeowners’ Association.  An HOA is a governing board that has authority over an area like a housing development or gated community.  They have the power to write and enforce regulations in their community.  These regulations often include stipulations on things such as: exterior home maintenance, pets, using homes for commercial purposes, leaving garage doors open, washing cars in driveways, keeping RVs and boats, and sometimes more.  The exact regulations will vary from association to association, but many of them are similar. There are pros and cons to these regulations.  While they [&hellip

Why do sites like Zillow and Trulia have so many sold listings mixed in with the active houses for sale? Property searches can take a long time to find the right home. It makes is twice hard to find the right house if half the properties on the list are sold. Looking on sites like Zillow (Dan Parisi is a premier agent), Trulia and the like return many properties that are sold or are pending. Why? Most of the listings on the national real estate web sites come from secondary sources. Here is how it works. A Realtor takes a [&hellip

  Fences Add Value and Safety to Horse Properties   By Havilah Parisi Pony.Estate There are many types of fences for horse property. The fence that keeps your horse safe and secure is a very valuable part of the horse property. All horse fencing should be around five feet or taller. One of the most iconic fencing types is the three tiered white fencing that is a classic of horse property. This type of fence is usual a sturdy wood fence. This nice wood fence looks great and is a safe way to keep your special horse secure. This fence [&hellip

Making an offer to buy a home Winning — The point of making an offer to buy property is to gain acceptance from the current property owner. Different real estate markets have different rules for success. In some markets, just putting in an offer wins the deal. Other markets, a bid of ten thousand above list price will not win the home. Understanding the current market is crucial to making a successful offer. Discuss with your real estate the offer amount you have in mind, based on the research you have done on comparables, the condition of the home and [&hellip

Benefits of a home protection plan   Just as homeowner’s insurance covers the property against damage or repair based on your designated deductible, a home protection plan helps protect your home system components and appliances against costly repairs or replacements. A home protection plan is a renewable service contract that covers many of the most frequently occurring breakdowns of home system components and appliances that are not usually covered by homeowner insurance. Home protection plans offer coverage of many of the critical major system components and appliances in a home that generally are of a high cost to repair or [&hellip

Two Important Considerations for First Time Home Buyer First time home buyers are wise to buy with the end in mind. Thinking ahead in these two significant areas can pay big dividends in the future. Consider properties that will have a strong resale value and correctly evaluate the total cost of repairs and remodels. First: Buy with re-selling in mind. Home owners should plan to stay in the first home for a while to build equity and to maximize investment advantages.  The fact is that few people remain in their first home forever. First homes are often used as spring [&hellip

Sacramento Housing Numbers August 2013 Charts are good for showing the mind what the numbers are showing. The chart of number of homes for sale and homes that sold reveals the upward trend in a very choppy way. The last few months are showing a strong upward direction. The number of houses for sale took a big jump, which should mean a bigger selection of houses? But if you are in the real estate market, you know that does not mean it is the type of house you are looking for. The months of inventory chart shows how many houses [&hellip

First time home buyers: Determine how much debt can you afford Take a realistic look at how much future income you anticipate to have and how many expenses you expect to incur. Remember, the lender will tell you how much you are qualified to borrow, not necessarily how much you can afford. Only you know how much you can comfortably handle, what your other expenses are, how much you need to save and what kind of lifestyle you wish to maintain. Lenders use the monthly payment on a property to determine a borrower’s qualifications. The payment includes principal, interest, property [&hellip

The New Horse EPA–“Equine Property Academy”   Housing Sacramento Magazine’s (HSM) establishes the new horse EPA or “Equine Property Academy” center for horse ranch information in California. This EPA will give horse owners timely knowledge about available horse properties and their features.   The Equine Property Academy provides, free of charge, material about horse properties for sale, the detail of those properties, insights into horse property’s features, local horse tails, detail information about barns, arenas, pastures, fences and other ranch elements.   Horse properties are one of the most complicated real estate purchases homeowners can make. Horse ranches are not [&hellip