Darlene Loose Realtor

This Visalia home has its own fitness center

2012-02-14T05:18:00.000-08:00

3030 W Iris Ave, Visalia, listed at $399,000.

This elegant in-town estate has a new price: $399,000.

This Royal Oaks home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Tax credit and deduction tips for home improvement in 2012

2012-02-02T05:43:00.000-08:00

(ARA) - With the new year under way, you may be thinking about needed home improvements and how you'll use your credit to fund them. While it's important to understand your credit before making major home improvement decisions, you should also consider another kind of credit - tax credits for energy efficient home improvements.

For the past few years, the federal government has offered tax credits for certain home improvements aimed at increasing a home's energy efficiency. While the most popular and generous tax credits, such as the one that allowed you to claim up to 30 percent of improvements such as a new roof or hot water heater, have expired, you can still get credit for other significant energy-efficient improvements.

According to EnergyStar.gov, you can claim a tax credit for 30 percent of the cost of installing a geothermal heat pump, small wind turbine or solar energy system in your home. The credit has no upper limit and applies to both existing homes and new construction, but not to rental properties. This credit is good until Dec. 31, 2016.

You can also get a credit of up to 30 percent of the cost of residential fuel cells, up to $500 per .5kW of power capacity, EnergyStar.gov says. This credit is also available until Dec. 31, 2016.

While the initial cost of these improvements may seem significant, they can dramatically decrease home energy bills in the long run.

Depending on the type of home improvement or repair you undertake, you may also be able to claim a deduction on your taxes. Before launching a significant home repair or improvement, it may pay to consult with your tax accountant to see what, if any, portion of the cost may be deductible. And, as you do home repairs throughout the year, keep receipts and discuss the improvements and possible deductions with your accountant when he or she is preparing your tax return.

Knowing ahead of time which, if any, tax credits or deductions your home improvement may qualify for can help you make a better decision about how to use credit to fund the work. Since how you use credit affects your overall credit score, knowing the cost of a project before starting it can help you better manage your credit.

If you're unsure how a home improvement project may affect your credit score, websites like freecreditscore.com can help you understand your credit. The site offers members a Credit Score Estimator that can help you understand how big financial decisions, like applying for a home improvement loan, may affect your credit score.

To learn more about tax credits for energy efficient home improvements, visit www.EnergyStar.gov. To learn more about tax deductions, visit www.IRS.gov. You can find a list of regional tax credits, rebates and savings at energy.gov/savings.

Find this home and be amazed!

2012-01-22T22:54:00.000-08:00

3030 W. Iris Ave., Visalia - listed at $399,000.

Call Darlene Loose for an appointment today! (559) 625-9364

How to have easy-blooming flower power for any size garden

2012-01-11T07:43:00.000-08:00

(ARA) - We've had an unseasonably warm - and dry - winter. Chances are you're itching to dig in the soil and fill your garden with plants and flowers bursting with rich color and fragrance.

"Designing with colorful, low-maintenance plants that bloom year round is one of my greatest pleasures," says Susan Olinger, president of the Association of Professional Landscape Designers.

For the average person that's not as simple as it sounds, but coming this spring, it will be easy to add plenty of "flower power" to any garden, patio or balcony with new Bloomtastic! flowers and plants from Hines Growers.

These easy, low-maintenance flowers have been handpicked to provide rich color and gorgeous blooms that turn ordinary yards into show-stopping gardens from spring to late fall.

Check out these tips from garden pros for eye-popping color and abundant blooms spring through fall.

1. The right plant for the right spot. Too often we're seduced by pretty plants at a garden center, only to find it withers and dies when we plant it in our garden.

"You'll have greater success if you know what plants work best in your yard's conditions," says Justin Hancock, garden editor for Better Homes and Gardens online. "Know how much sun, soil and water the plant needs and make sure it can handle the heat and cold in your area before you buy it."

Lack of rain can ruin a garden. Plants like new Agapanthus Summer Sky and a new Black Hawaiian Spider Lily called Crinum Purple Dream can handle drought conditions once established.

If you have deer, choose plants they don't eat like Agapanthus Summer Sky. This airy plant with striking blue flowers and variegated foliage is perfect for containers, English gardens or mass plantings throughout your landscape.

2. Design for continuous garden interest. When designing your garden, don't buy plants that bloom at the same time. Instead, Hancock suggests you add plants that bloom in spring, summer and autumn. "Look for long-blooming plants to be the backbone of your garden design."

Decorate your patio, deck or garden with spring and early summer bloomers like the new Bambino bougainvillea in eight dazzling colors with unique foliage. Then turn up the color wattage for summer and fall with the new Hibiscus Bahama Bay Amazon Queen. Its deep orange tones add tropical punch to any patio or yard.

3. Create drama with foliage. "Don't forget how powerful foliage can be," says Hancock. Many plants have different colors in their leaves and can show off brilliant color in a small garden or in containers.

"Plants with deep purple leaves are important in garden design because they look good all season long," Hancock adds. Purple Dream's leaves look almost black when grown in full sun and are dramatic against its showy pink flowers.

4. Make your garden nature friendly. Flowers that attract hummingbirds, butterflies or song birds are good for wildlife and add extra interest beyond their beautiful blooms.

A new dwarf butterfly bush, Lavender Veil, grows low to the ground and is covered with fragrant flowers that attract hummingbirds and butterflies well into fall. "This new butterfly bush is perfect for hanging baskets or containers and drapes any landscape in a sea of purple," says Hancock, who recommends mass planting three to five of the compact butterfly bush for vivid flower power.

With a little planning and the right plants, you can transform your garden from winter doldrums to a vibrant garden paradise with little maintenance.

For more information on the new Bloomtastic! plants, visit www.hineshort.com.

Why winter is the right time to plan outdoor updates

2011-12-05T21:45:00.001-08:00

(ARA) - Does the bitter cold weather have you dreaming of warm days spending time with friends and family in your backyard?

The cold may keep us indoors, but professionals in the landscape and remodeling industry are still thinking about the outdoors and use the winter months to plan spring projects, and so should you.

Winter months provide the perfect opportunity to prepare your outdoor space for the warmer months.

Planning and prepping now will ensure that you get full use of your outdoor space for the entire season once warm weather arrives. Get a head start by planning some of these spring projects now:

Grass
Before you know it, you'll be peeling off your wool socks and walking around your yard feeling the soft grass between your toes. To ensure a lush lawn, spend time this winter researching grass seed options so you can repair any sparse areas in your yard. Planting grass seed early gives the seed plenty of time to germinate which will give you a healthy, green lawn in the spring. In addition to research, you can also chat with someone at your local nursery for help choosing the appropriate type of grass to plant in the early months of spring.

Bulbs
Some bulbs grow best when planted in the early spring when the ground is still cool. Do some research to figure out the best bulbs for your region so you can determine the ideal planting time. There's nothing better than having a yard full of colorful flowers providing great curb appeal early in the season.

Deck
Sitting on your deck enjoying warm, sunny days or cooler evenings is something everyone looks forward to. Adding a new deck to your home or replacing an existing one adds value to your real estate investment. Homeowners have been consistently choosing composite decking over wooden decks over the past several years because composite decking is high performance and low maintenance, unlike wood decking which can splinter and crack, and often requires staining and sealing. Composite decking is long-lasting, durable, made of recycled materials, and resists mildew, warping and insects. According to Remodeling magazine 2009-10 Cost vs. Value Report, adding a composite deck to your home has a 70 percent return on investment.

You can find free online tools to help you plan your new decking project during winter months. Visit www.timbertech.com to learn which decking materials are best for you by taking a quick quiz. Create free deck designs with the Online Deck Designer. Mix and match decking and railing colors with the Color Visualizer and be inspired by other deck designs in the Photo Gallery. Before you know it, you'll have the perfect plan for your dream deck so when warm weather hits, you're ready.

Trees and shrubs
As you're deciding on the deck, consider a plan to plant trees and/or shrubbery to provide a more natural outdoor atmosphere. The right type of landscaping will not only be visually appealing, but will also provide privacy and shade. Planting your selections early can have many benefits including time for each tree or shrub to establish a strong root system so that it flourishes for many years to come.

Stop dreaming of warm weather and put that energy into planning your outdoor space. From decking to landscape updates, your efforts during the winter months will bloom into big results once the spring thaw hits.

Three Rivers beauty with reduced price

2011-11-16T05:50:00.001-08:00

43647 Washburn Dr., Three Rivers, listed at $245,000.

**Mountain living just got better with a new, reduced price of $245,000 and a $4,500 painting allowance!

With fantastic views of Kaweah Canyon and Case Mountain, this custom built, Three Rivers home is the perfect getaway.

Sitting on a knoll secluded from other homes, the 4-bedroom, 3 bath home sits on about 1.3 acres with an invisible pet fence.

With 2,100-square-feet of living space, the home features a vaulted living room and owner's suite with tongue and groove open-beam ceilings. Each room has rock fireplaces and built-in bookcases and entertainment center.

The owner's suite has a niche for office, plus three other bedrooms - one with its own bathroom which is perfect for guests.

The home is plumbed for propane gas - even at kitchen cooktop but currently all electric. The dishwasher and cooktop are approximately 2 years old.

The owner's suite has double sinks.

The bones of this house are great, it just needs updating to make it more light and airy. This lower price offers great opportunity to live in peace and quiet with community water and a fire hydrant nearby.

There is a 2-car attached garage, cement roof. This home is part of a probate sale.

Call Darlene Loose for an appointment today! (559) 625-9364.

Fight the battle of rising heating costs

2011-11-08T09:34:00.000-08:00

(ARA) - As fall weather continues to settle in, the leaves drop to the ground and the temperature begins to plummet, but your heating bills move in the opposite direction - 'tis the season of high heating costs.

According to early reports, heat and oil prices will continue to rise, which can cut a large chunk out of your home heating budget this winter, if you're not careful.

It's not too late to do something in the battle against rising heating costs. You can start by winterizing your home, plugging up the leaks and drafts that deplete energy - and your family budget. Here's your money-saving strategy:

* Start early - When the weather is still balmy, take care of the places outside your home where the uncomfortable chill of new seasons can creep indoors. Then, move inside to ensure there are no "holes" in the house where the chilly drafts of winter can hide.

* Be prepared - Rounding up products in the fall that will ensure comfort and warmth is a DIY task that is easier than you think. With the affordable, easy-to-use tools on the market, the job is doable in a weekend. Try these products for a sure victory in the heating cost battle:

For interior and exterior doors, there's Duck brand Double Draft Seal. Engineered to hug the bottom of a door or window from both sides, the seal offers two layers of protection from drafts. It has exclusive adjustable straps to keep the seal from sliding and getting stuck in the door. The seal is designed to work on a variety of floor types and features abrasion-resistant, washable fabric. It works well on windows as well. The window can be closed onto the flat middle section for a snug, double sided seal.

Stop drafts through windows by using Duck brand Roll-On Window Kits, which provide an airtight seal against the energy-sucking winds of winter. These kits are practically invisible, come in a variety of sizes, are easy to install, fit snugly to your window frame and can be easily removed come spring. You might also consider dressing your windows for the winter. Thermal drapes, blinds or other window clothing can protect not only your windows and your family's comfort, but your finances as well. If you are able to make a more costly investment in window replacement, double glazed windows provide the best protection against wind and ice.

For outdoor faucets that freeze from frustrating cold winds, consider covers that insulate and protect. Faucet covers can help prevent pipes from freezing and save on expensive repair work. Duck brand offers two kinds of faucet covers: a rigid foam version and a flexible, insulated version. These faucet covers work on a variety of faucet types.

Layer up - As the winds of November cause you to wear extra layers, it's time to think about insulation for your home too. The Environmental Protection Agency (EPA) estimates that homeowners can typically save up to 20 percent of heating and cooling costs (or up to 10 percent of total energy costs) by air sealing their homes and adding insulation in attics, floors over crawl spaces, and accessible basement rim joists. Discover the best products available, such as foam or eco-friendly ways to do it yourself. Insulation does not require maintenance, upkeep or adjustment, so it's a reliable member of the team that will secure your home from the frigid weather.

Protect the warmth - Make sure your furnace is well maintained, which means cleaning filters monthly to maximize their efficiency (and save money). At a minimum, change the filter every three months. A dirty filter will slow down air flow and make the system work harder to keep you warm or cool - wasting energy. A programmable thermostat is ideal for people who are away from home during set periods of time throughout the week. According to EnergyStar, a properly programed thermostat can save about $180 every year in energy costs.

Plug the holes through walls - Select Duck brand Socket Sealers to combat the cold air that invades your home from indoor and outdoor electrical outlets and switch plates. They are easy to install and made from flame retardant foam. Rubber, foam or silicone weatherstrip seals can also be used to insulate around doors and windows and keep your home comfortable and cozy.

Make yourself a promise this fall - you will close the door on heat loss, slam the windows on energy drain and reward yourself with ample savings throughout the winter. Improving your household's energy budget will help keep your family warm and comfortable, so start early. Rest assured the tools to be victorious over energy loss are better than ever, the steps are simpler than imagined and the results are almost immediate.

For more information and tips to protect your home and your wallet from the weather that can drain your energy usage, visit DuckBrand.com/HomeSmart.

Five tips to get your home ready for winter

2011-10-20T13:28:00.000-07:00

(ARA) - It may not be winter yet, but do not wait for it to arrive to start getting the house ready for the coldest months of the year.

Preparing a home for winter will take time and should not be rushed. Neglecting certain projects or carelessly completing them can lead to major system failures, extensive damage and in extreme cases even health problems.

"Procrastinating can cost you when it comes to getting ready for winter," says Rhonda Hills, of Kudzu.com. "Systems that are not ready for heavy use can falter or even fail. This can be a recipe for disaster."

The home experts at Kudzu.com recommend the following actions to get the home ready for the cooler temperatures ahead.

Have the chimney inspected and cleaned - If you have a wood-burning fireplace, the inside of the chimney can be a dirty place, and this has the potential to cause some problems if not addressed. Over time a combustible material called creosote can build up on the inside of the chimney. If not regularly removed, this substance can catch fire, causing major damage to the home and resulting in serious injuries or even death. Chimneys should be inspected and cleaned by a professional at least once a year to ensure all creosote is removed and the chimney is ready for use.

Get the furnace serviced - Heating systems will be putting in a lot of overtime as the temperatures plummet, and it is important to have them serviced so they can handle the load. Well maintained systems will operate more efficiently, which lowers heating costs. They will have a longer lifespan too. During an inspection, the heating expert will evaluate and clean the heat exchanger, ensure the burners and pilots ignite properly, clean the system's blower and more.

Seal all air ducts - Air ducts can be punctured, torn or become disconnected, all of which will cause heated air to spew into the attic, basement or crawlspace before it reaches the home's interior. These leaks waste a lot of energy and can cause heating bills to be much higher than they should be. To ensure all of the heated and cooled air that is being paid for makes its way into the living space, patch and repair all ducts as soon as possible

Add insulation - According to the U.S. Department of Energy, 80 percent of homes built before 1980 are not well insulated, so chances are your home is not as insulated as it should be. Adding insulation is one of the fastest, cheapest ways to retain heat and save on heating bills. Insulation is available in a variety of materials and is rated by R-values, or how well the insulation resists the transfer of heat. Insulation needs will vary by region and are dependent on local climate conditions and heating costs.

Protect pipes and exterior faucets - Freezing temperatures can wreak havoc on pipes and exterior faucets. As water freezes, it expands and can burst plumbing lines and fixtures. These ruptures cause a great deal of damage to the home and leave homeowners with some very expensive repairs. Before cooler temperatures settle in, wrap all exposed plumbing in insulation to ensure the pipes are ready for the worst Old Man Winter can dish out.

Visit Kudzu.com for more home improvement advice or to find a highly rated professional in your area who can help you get your projects done.

Is your family as safe as it could be from a household fire?

2011-09-23T09:09:00.000-07:00

(ARA) - Did you ever wonder what would happen to your family if a fire started in the house? Would everyone be able to get out in time? Would they know what to do and where to go as soon as they smelled smoke?

The reality is that when a fire strikes, every minute counts. That's why the United States Fire Administration recommends that everyone have a comprehensive fire protection plan that includes smoke alarms, residential sprinkler systems and a well-planned home fire escape plan.

"Given the proven effectiveness of today's fire sprinkler technologies, it's little wonder that residential fire sprinkler systems have grown significantly in popularity and, in some states, are mandated when a house is built or remodeled," says Matthew Kuwatch, global business director for BlazeMaster Fire Sprinkler Systems. "Unlike smoke detectors, which simply alert you when a fire has started, fire sprinkler systems provide a proven means for delaying the spread of a household fire or even extinguishing it, thus giving residents the extra time they often need to exit safely."

Such precautions, in addition to increased educational efforts, are paying off in the form of fewer fire-related deaths in the United States. The fire death rate in the United States has declined by 66 percent since 1979, according to a July 2011 report issued by the Federal Emergency Management Agency. That's good news, but not good enough when you consider that the United States still has one of the highest fire death rates in the industrialized world. According to the National Fire Protection Association, there were roughly 480,000 structure fires in the United States in 2009 that resulted in nearly 2,700 civilian deaths, nearly 15,000 related injuries and $10.8 billion in property damage.

The best time to start protecting your family is when you're building a new home or remodeling an existing one, as residential fire sprinkler piping runs behind the walls and between the floors, exposing only the sprinkler heads through the ceiling or wall. Just as important as planning your home fire escape plan is researching the right fire sprinkler system, as not all of them perform the same. Piping materials and overall design of the system can be very different with some offering significant cost and performance advantages.

As a result of corrosion problems and escalating material costs, metallic systems are no longer being installed as frequently but are being replaced with newer, high-performance, more cost-effective technologies. BlazeMaster Fire Sprinkler Systems, for example, which are made from a revolutionary, high-temperature specialty material that has been effectively used in life safety applications for nearly 30 years, have become the most specified non-metallic fire sprinkler system in the world. Lightweight, corrosion-resistant, and easy to install, they offer significant cost savings over steel systems in the form of reduced material and labor costs. They also provide a superior safety performance over other plastic systems because they do not support combustion and will not continue to burn after the ignition source has been extinguished.

From a design standpoint, a fire sprinkler system can operate independently as a stand-alone system or in combination with the plumbing system (often referred to as a multipurpose system). Due to reliability concerns, however, these combination systems are not approved for use in many regions of the country.

Regardless of the piping material or system design, fire sprinkler systems are a wise investment. Not only do they increase the survival odds if a fire should strike, but they can also result in reduced insurance premiums because of their ability to limit property damage. Unlike the myths and movies that portray multiple sprinkler heads going off simultaneously to discharge a large amount of water, the reality is that automatic fire sprinklers are individually heat-activated to spray water only in the immediate area of the fire. In many cases, only one sprinkler head operates to extinguish a fire. The amount of water discharged from a sprinkler head is roughly 1/8 the amount of water typically disbursed if the local fire department is called in.

To learn more how you can make your family as safe as it should be from a household fire, visit the Home Fire Sprinkler Coalition at www.hfsc.com or www.blazemaster.com.

Custom home sitting on a knoll

2011-09-16T06:04:00.000-07:00

43647 Washburn Dr., Three Rivers, listed at $252,000.

With fantastic views of Kaweah Canyon and Case Mountain, this custom built, Three Rivers home is the perfect getaway.

Sitting on a knoll secluded from other homes, the 4-bedroom, 3 bath home sits on about 1.3 acres with an invisible pet fence.

With 2,100-square-feet of living space, the home features a vaulted living room and owner's suite with tongue and groove open-beam ceilings. Each room has rock fireplaces and built-in bookcases and entertainment center.

The owner's suite has a niche for office, plus three other bedrooms - one with its own bathroom which is perfect for guests.

The home is plumbed for propane gas - even at kitchen cooktop but currently all electric. The dishwasher and cooktop are approximately 2 years old.

The owner's suite has double sinks.

The bones of this house are great, it just needs updating to make it more light and airy. This lower price offers great opportunity to live in peace and quiet with community water and a fire hydrant nearby.

There is a 2-car attached garage, cement roof. This home is part of a probate sale.

Call Darlene Loose for an appointment today! (559) 625-9364.

Do home improvement projects now, before winter

2011-08-29T13:47:00.000-07:00

(ARA) - The to-do chores never seem to go away, which can make you want to leave the projects for another season.

After all, the deck is going to be covered by snow all winter and the house can always be repainted in the spring. But taking care of these jobs now has benefits beyond just crossing them off of your to-do list.

For homeowners in areas of the country that have harsh winter weather, refinishing the deck this fall will help protect it from the winter elements like sleet, snow and ice.

For those who live in milder climates, refinishing the deck now means you'll still get to enjoy the fruits of your labor into the cooler months - and get a jump on spring chores.

In addition, having your deck and your house in the best condition going into the rough winter months means that you'll minimize any damage that could be caused by harsh weather conditions. To get the maximum benefits out of your efforts, take the time to make any necessary repairs to your deck or siding before you start painting.

This could include patching any imperfections in your siding and sanding away peeling paint. On the deck, replace warped boards and nail down loose ones. A good cleaning ensures that the surface is ready for stain or paint.

Once you're ready to paint, make sure you have the right tools for the job. It will make the task quicker and easier, and provide more professional-looking results. Paint brushes and rollers have their place as useful tools, but for making quick work of painting a house or finishing a deck, nothing beats a power paint sprayer. The beauty of outdoor painting is that a paint sprayer can be used to get the job done in a few easy strokes.

The Airless Paint Sprayer by Wagner ProCoat allows homeowners to paint like the pros while on the budget of a do-it-yourselfer. It is great for the whole house, but simple enough to cover sheds, decks and fences.

The sprayer comes complete with a spray gun swivel and 25-foot hose for great mobility and long reach.

The ProCoat is crafted for the homeowner to be portable for easy movement around the job site and clean-up. The simple operation and advanced technology will provide years of trouble-free operation.

While you'll enjoy the fresh, refurbished look of your home and deck now, you'll really appreciate it in the spring when you can step outside and start enjoying your deck as soon as the weather permits. You can sit on your deck and sip your favorite beverage while you watch your neighbors tackle the outdoor tasks they put off this fall.

For more information visit www.wagnerspraytech.com. You can also find Wagner products at home improvement stores nationwide.

One home improvement project that nearly pays for itself

2011-08-23T13:41:00.000-07:00

(ARA) - Did you ever think that a new garage door could almost pay for itself?

Garage door replacement ranked No. 2 in "cost recouped" on a list of 35 common home remodeling projects in Remodeling Magazine's 24th annual Cost vs. Value Report. Only steel entry door replacement ranked higher.

The average midrange garage door replacement cost was estimated at $1,291. Resale value of the project averaged $1,083 - an 83.9 percent return on investment (ROI) at resale. In some cities, such as Charleston, W. Va., Honolulu, Providence, R.I., and San Francisco, the ROI for a new garage door was more than 100 percent.

Upscale garage door replacements were estimated to provide a 69.8 percent ROI - No. 4 among the upscale projects listed in the survey.
What does that mean to homeowners? You can have your cake and eat it, too. A new garage door can add to the beauty of your home as you live in it and enjoy it today, while also providing a high level of payback - nearly 84 cents of every dollar spent on the garage door replacement - when it's time to sell.

What's more, garage door replacement was one of the least expensive projects listed in the survey. That means a new garage door may be the quickest, easiest, and least expensive way to enhance your home's appearance and get a great return on your investment.

Fast fix for the facade

In addition to providing a great ROI, a stylish new garage door can add to the beauty of your home. If you have a front-facing attached garage, a new door adds instant curb appeal. An attached garage can make up a third or more of the front of the home. Replacing a garage door can be the difference between a "plain vanilla" home and a stylish, attractive home.

Visit GarageWowNow.com, a non-commercial home improvement website dedicated to garage doors and garage door openers. There you will find dozens of photos of the latest in new garage door styles. Those include carriage house doors - one of the most popular styles on the market today. Modern homes can benefit from a new range of contemporary door styles with a range of bright colors, metallic finishes and opaque glass. Even the classic raised panel garage door style offers new looks and finishes that add elegance.

But the real proof comes in viewing GarageWowNow.com's before and after photos. Did you ever drive down a street you've driven down hundreds of times before and notice something "different" about a house that has enhanced its look? Could it have been a new garage door? That's what you'll see in these images of real homes from across the United States.

GarageWowNow.com also includes details about the latest in garage door openers. If your opener was installed prior to 1993, you're missing out on some important safety features that provide protection from entrapment. You're also missing out on some "wow" features such as battery backup (when a storm or blackout knocks out the power, you still have access to your home via the garage door), surge protectors to guard against voltage spikes or fingerprint-activated keyless entry pads.

Not a handyman special

If you're seriously thinking about a new garage door, here's something else to think about: once you've picked the model and style that's right for you, sit back and leave the installation to the professionals. This isn't a job for the weekend warrior.

A garage door is the heaviest moving object in your home. It is actually a system that includes springs, cables, rollers, tracks and other hardware. Some of the elements of this system are under high tension. If improperly installed, this system can cause injury or even death.

Proper installation and even repair projects are best left to experienced professionals. GarageWowNow.com can help you locate the qualified professionals in your area through a convenient ZIP code search function.

Beautiful Marseille home with reduced price

2011-08-11T21:49:00.000-07:00

1848 N Salierno Ct, Visalia, listed at $320,000.

Join one of northwest Visalia's most beautiful neighborhoods at a new, reduced price!

Take a look at this 3 bedroom, two bathroom home in Marseille with an office.

The 2,610-square-foot home is on a cul-de-sac lot. There are floor to ceiling windows from living room overlooking the patio and lush landscaping.

A formal dining room and nook complement the open kitchen with corian countertops and granite island. There is a spacious pantry and extra cabinets in the nook.

The owner's suite is split from the two guest bedrooms. The owner's suite features a soaking tub, dual sinks and a large walk-in closet. There is access to the yard from the owner's suite.

The home features a 3-car garage.

Call Darlene for an appointment today! (559) 625-9364.

The sweet smell of success: How aroma can help you sell your home

2011-08-01T06:45:00.000-07:00

(ARA) - If you're selling your home, you've probably heard about the value of "staging" it. Visually appealing decorative touches and artful arrangement of furnishings can help potential buyers recognize the appeal of your home and picture themselves living there. To strengthen your staging efforts, don't overlook the positive power of aroma.

Ambient fragrance started to trickle into the real estate market years ago with savvy agents baking cookies or cinnamon rolls in the homes they were showing to create a comforting, deliciously scented atmosphere that was meant to entice buyers.

"The essential oils that are used in the practice of aromatherapy offer a more practical and potent way to use scent marketing to move a tired property," says Tom Havran, branded products developer with Aura Cacia. "Using even tiny amounts of familiar, tempting aromas like the oils of cinnamon, clove, vanilla and orange can fill a whole house with pleasant ambient fragrance and make it an attractive purchase for potential buyers."
An added bonus is that since essential oils are all-natural and distilled from plants, they are less likely to elicit the kind of adverse reactions that often come with harshly synthetic wall socket plug-ins or spray fragrances. Learn more at www.auracacia.com.

Award-winning Beverly Glen home on the market

2011-07-25T08:00:00.000-07:00

1419 W Laurel Ave, Visalia, listed at $180,000.

Few homes on the market can claim to be award winning, but this Beverly Glen home is an exception.

This 3 bedroom, 2 bath home on West Laurel Avenue has had only one owner. In 2002, it won the Visalia Beautification Award for its wonderful landscaping.

With gorgeous rear windows to bring in the outside beauty, the 1,788-square-foot interior features vaulted wood tongue-in-groove ceilings throughout most of the home.

Lighting in soffit in living room. Heating and cooling updated in 1999. The dining room area was added to the living area-in square footage since that time but with no additional heating/cooling vent.

There are 2 closets in the owner's suite. Overall, the home has the charm of yesterday with some updating.

The kitchen has a marvelous window overlooking lush landscaping in the front yard. The orignal carport is enclosed for one car but open to side.

A new roof was installed 3.5 years ago and certified. The home is centrally located to downtown and shopping on Mooney Boulevard.

Come see it! Call Darlene Loose for an appointment today. (559) 625-9364.

Major price reduction on in-town estate

2011-07-17T12:53:00.000-07:00

3030 W Iris Ave, Visalia, listed at $424,000.

** SEE VIDEO BELOW**

A price reduction makes this elegant in-town estate worth a fresh look: $424,000.

This Royal Oaks home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Great new price on Visalia home

2011-07-13T10:40:00.000-07:00

242 N Marcin Ct, Visalia, listed at $377,500

**SEE VIDEO BELOW**

If you are in the market for a truly spectacular home, then take a look at this Lennar Pinnacle Home. The price was recently reduced.

This 3 bedroom, 3 bath home is beautifully landscaped with front courtyard and two patios to the back yard.

The spacious 3302-square-foot floor plan includes a media/office/playroom with french doors.

The gourmet kitchen has granite countertops on kitchen island and pass-through cabinetry open to family room. The kitchen offers double ovens, vegetable sink in the island/bar sitting, microwave, 5-burner gas range, dishwasher, refrigerator, walk-in pantry, roll-out shelving, under cabinet lighting and breakfast room.

The formal dining room and formal living room sweep each side of entry which steps into dramatic family room with gas fireplace wrapped with bookcases/entertainment center and magnificent windows overlooking back yard.

This open plan is excellant for entertaining.

Owner's suite has roomy tiled shower, soaking tub, linen storage, dual sinks with tile countertops, huge closet with organizers and access to patio.

A 4 car garage sets this property apart from the others, and it's all on cul de sac lot.

Call Darlene Loose for an appointment today! (559) 625-9364.

Tudor estate in Visalia on the market

2011-07-04T09:29:00.000-07:00

6111 W. Pershing Ave., Visalia. Listed at $499,000.

** See video below**

This elegant Tudor-style estate sits on 1.07 acres with space at the rear for a shop, garage, etc.

The 3-bedroom, 2.5-bath home features 3,144-square feet of living space.

There is a new 50 year composition roof, and the Fig Garden pool has been replastered. The backyard also features Trek decking, and a gas firepit.

New water heaters, gas fireplace insert, and kitchen were re-modeled in 2007. The cook top was recently replaced.

The estate's Koi fish pond and waterfall were refurbished 2008. New carpet, alarm, and a intercom/radio system were installed in 2010.

The front and back yards have lawns big enough for croquet or whatever you wish. Screened porch brings outside in or sit on the new deck and listen to the water feature. The pool has it's own patio area too.

Inside the home you will find beautiful detailed oak crown moldings, fireplace mantel, 2 X 6 Walls, double staircase to upper loft and guest bedrooms, central vacuum system, plus an office downstairs with owner's suite.

The shower was remodeled in 2006 in the owner's suite, which also features a soaking tub, walk in closet and two vanity areas.

Not many properties available with this quality and versatility at rear. Oversized garage with storage areas. You must get beyond just driving by.

Call Darlene Loose for an appointment today! (559) 625-9364.

Price reduced on northwest Visalia two story

2011-06-23T20:39:00.000-07:00

5522 W Wren Ave, Visalia, listed at $279,000.

A gorgeous two-story home with all the custom features!

This northwest Visalia home is 3,147 square feet with 5 bedrooms and 3 bathrooms.

Walk into the formal living area PLUS a great room open to the kitchen nook and fabulous kitchen.

The formal dining room overlooks a Tuscan-style patio, enhancing that perfect, relaxing meal.

In the rear yard and you will find a built-in kithcen/BBQ island, large side yards and a cool pool ready for some fun!

Call Darlene Loose for your appointment today! (559) 625-9364.

Designer tricks for the do-it-yourselfer

2011-06-10T13:50:00.000-07:00

(ARA) - Ever watch those TV design shows and wonder how to replicate the look in your own home?

It's easy to incorporate designer tricks into your space, no matter the style or existing decor. Focus on adding layers of color and texture, and notice how hues flow from room to room to create a cohesive design.

Choosing coordinating colors is easy when you have the right guide. Look for color palette cards that group colors by design themes to incorporate a favorite style, from traditional to rustic to contemporary. Then draw these hues into all elements of the room, including flooring, fabrics and light fixtures.

For example, the new HGTV (R) HOME by Sherwin-Williams line of interior paints and supplies features eight designer-inspired color collections - each with 20 colors that work well together, no matter how many or how few are selected - along with expert design tips to help do-it-yourselfers create harmonious room-to-room color transitions.
"Many homes today have open-floor plans that require close attention to how colors flow between spaces," says Jackie Jordan, director of color marketing for Sherwin-Williams. "Our collections are designed to take the guesswork out of coordinating colors, and to give consumers the confidence and creative spark to find their personal color style."

Pull together a well-designed home by taking cues from the overall color palette to add decorative accessories. For example, a spicy orange vase on the dining room table can play off a bold accent wall in the kitchen. Or update the look of furniture with a glossy coat of paint. Personalize with family treasures and modern, metallic or glass finishes for an eclectic, yet timeless look.

Designers aren't afraid to make a statement with a signature space. Why not play on the high-impact contrast of black and white in a foyer or infuse an electric jolt of pink in a master bath? There are no wrong choices, because color is personal - and doesn't have to be permanent.

Prime time design

Another popular design technique is to turn flooring into a flexible decorating element. Flooring can significantly impact a home's overall decor by enhancing the warmth and beauty of a room. To liven up a space, try layering a vibrant area rug over a hard-surface floor or a neutral carpet -- it's easy to change as design preferences evolve.

Looking for flooring that fits your personal design style? The HGTV HOME Flooring by Shaw collection makes floor shopping simple with displays that include how-to tips and trend information. Choose from 20 unique area rugs featuring transitional and modern patterns. Or, take on a bigger project with one of the collection's fashion-forward carpet, hardwood and laminate products.

Try these designer tricks to bring a dramatic new look to any home. For more design inspiration and decorating advice, visit sherwin-williams.com/hgtvhome and www.shawfloors.com/HGTV.

New price on beautiful Visalia estate

2011-06-06T22:33:00.000-07:00

3030 W Iris Ave, Visalia, listed at $449,000.

This in-town estate has a great new price: $449,000.

This Royal Oaks home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Great new price on Visalia home

2011-05-31T21:52:00.000-07:00

5942 W Country Ct, Visalia, listed at $270,000.

Take a look at this beautiful 3 bedroom, 2.5 bathroom home with office near entry in southwest Visalia.

Enjoy a touch of beauty with 10' ceilings, two-tone paint, walk-in closets in all bedrooms, crown moldings, wood flooring in entry/hall and family room, tile flooring in baths, laundry, kitchen and office.

Stainless appliances (installed in 2009) in gourmet kitchen with Corian counter tops plus granite on a huge island, which is all open to the family room with fireplace.

There is a sink and cabinets in the laundry room. There is a pedestal sink in the 1/2 bath. Exquisite molding in owner's suite.

Relax in soaking tub and enjoy the dual sinks and walk-in closet. Escape to sparkling pool through sliders in owner's suite and family room.

The 3-car garage has work bench and a pull down ladder to full attic storage. Full dog run on East side of home - even a dog house.

Front bedroom is spacious, light and airy. Lush landscaping with updated sprinkler system, rain gutters. YOU need to see this one, AND IT'S NOT IN A FLOOD ZONE!

Call Darlene Loose for an appointment today! (559) 625-9364

Secrets of a solid home inspection

2011-05-26T08:00:00.000-07:00

(ARA) - Selling, buying or just putting a house on the market may raise many questions. Can I get a good price? Are there any problems I should fix prior to listing my house?

If I buy this house, will I encounter problems that may make me regret my decision?

The sale price of a house depends on many factors, including the market, location, size of the property, age of the house, condition of the structure, what appliances might be included in the sale and even how nicely the property and building were landscaped and decorated - just to name a few.

Having a qualified professional inspect your house prior to putting it on the market - or for prospective buyers, before closing on a sale - can help guide your decision. But many homeowners and prospective buyers are unsure what's included in a standard home inspection, according to the American Society of Home Inspectors (ASHI). A qualified home inspector will review these aspects of a property:

* Roof, attic and visible insulation
* Foundation, basement and structural components
* Walls, ceilings and floors
* Heating and central air conditioning systems
* Windows and doors
* Water fixtures and faucets
* Decks

Nearly two out of three homeowners recently surveyed by ASHI reported they saved a lot of money as a result of having a home inspection during the selling/buying of a house. Sellers use inspections to help determine potential problems that can be repaired or replaced prior to listing - potentially getting them a higher sale price. And buyers use the inspections to determine if they want to invest in the property, or help negotiate for a better price that would include the repair and replacement of potential problems.

Not all home inspectors are certified and licensed. ASHI's "Find an Inspector" tool allows homeowners to locate an inspector in their area. Always check with your local inspector for a complete list of services provided.

"It's important for homeowners to do their homework before hiring an inspector," says Kurt Salomon, ASHI president. "Look for a home inspector certified through the ASHI Certified Inspector Program, which is the only home inspection association program approved by the National Commission for Certifying Agencies."

The following elements are not included in a standard home inspection:
* Septic system
* Electrical wiring and plumbing that is not readily accessible (for example, behind drywall or plaster)
* Water conditioning or softening system
* Swimming pool
* Backyard fences
* Lawn irrigation system
* Household appliances
* Compliance with local codes
* Appraisal to determine market value

Before hiring a home inspector, inquire about what is covered in the inspection and ask to see a sample report. Although some inspectors provide ancillary services, it may be necessary to consult a specialist for concerns that extend beyond a standard inspection. Often your inspector will help you make this determination.

Hiring a certified home inspector and having questions answered before putting your house up for sale - or before finalizing a purchase price - can not only help save money, but also allow you to go through the process with more peace of mind.

A great deal in northwest Visalia

2011-05-23T08:00:00.000-07:00

3622 N Carson St, Visalia, listed at $217,900.

This 2,424-square-foot home in northwest Visalia has a lot to offer a new owner.

With 4 bedrooms, plus an office at the entry and two bathrooms, there is plenty of living space.

The formal living room and a family room opens to the beautiful kitchen and dining room.

There is laminate wood flooring in the kitchen and dining areas. The bright kitchen features white raised-panel cabinets, a pantry and large breakfast bar.

The home has an upgraded electrical package, plantation shutters to front, a walk-in closet, soaking tub and dual sinks in the owner's suite.

There is a covered patio off of the dining room, plus patio off owner's suite.

Enjoy a 3-car garage, tile roof and spacious lot.

Call Darlene for an appointment today! (559) 625-9364.

Spectacular northwest Visalia home

2011-05-09T08:00:00.000-07:00

242 N Marcin Ct, Visalia, listed at $415,000.

If you are in the market for a truly spectacular home, then take a look at this Lennar Pinnacle Home.

This 3 bedroom, 3 bath home is beautifully landscaped with front courtyard and two patios to the back yard.

The spacious 3302-square-foot floor plan includes a media/office/playroom with french doors.

The gourmet kitchen has granite countertops on kitchen island and pass-through cabinetry open to family room. The kitchen offers double ovens, vegetable sink in the island/bar sitting, microwave, 5-burner gas range, dishwasher, refrigerator, walk-in pantry, roll-out shelving, under cabinet lighting and breakfast room.

The formal dining room and formal living room sweep each side of entry which steps into dramatic family room with gas fireplace wrapped with bookcases/entertainment center and magnificent windows overlooking back yard.

This open plan is excellant for entertaining.

Owner's suite has roomy tiled shower, soaking tub, linen storage, dual sinks with tile countertops, huge closet with organizers and access to patio.

A 4 car garage sets this property apart from the others, and it's all on cul de sac lot.

Call Darlene Loose for an appointment today! (559) 625-9364.

Lovingly built custom estate in Visalia

2011-04-29T07:40:00.000-07:00

31760 Chelsea Rd, Visalia, listed at $649,000.

Take a look at this truly custom estate in northeast Visalia.

Your experience begins when you enter the 14-foot foyer that opens to the living room. Through the archway in the living room you will find yourself in the formal dining room and then to a music/game room with wall of cabinets.

The gourmet kitchen has an island with a vegetable sink and wine refrigerator. Your inner chef will love the Viking gas range, Bosch dishwasher and upgraded fixtures.

The walk-in pantry is terrific, along with the butler's pantry, featuring cherry cabinets.

A comfy nook overlooks a spacious patio. Through the wide hall you pass by the library, a 2nd bedroom and bath, and enter the elegant owner's suite.

The bath features a jetted tub and huge walk-in closet with Sola Tube (5 in entire home) and walk-in shower.

Near the kitchen a 3rd bedroom/office has a full bath! This room could be an excellant mother-in-law suite because it has access to the patio.

There is quality-crown molding, 6 Ext. Walls, Central Vacuum system, a whole house fan, surround sound and its plumbed for water softener.

The shop features a 1/2 bath, 2 roll-up doors and RV Barn at the rear.

The building pad is raised up so there are no drainage issues on the property.

It's obvious a lot of love went into planning and building this dream home of a lifetime. Owner may carry 1st TD with substantial down.

Call Darlene Loose for an appointment today! (559) 625-9364

Look at this in-town half-acre estate

2011-04-27T07:41:00.000-07:00

3030 W Iris Ave, Visalia, listed at $474,000.

This is an incredible deal for an in-town half acre estate in Visalia. Listed now at $474,000.

This Royal Oaks home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Create a beautiful - and functional - outdoor room

2011-04-14T08:00:00.000-07:00

(ARA) - As the weather warms and the days grow longer, who doesn't happily anticipate opening windows and doors to let the fresh air in? And once we think about bringing the outdoors in, our imagination naturally goes the other way, as well - bringing the indoors out. It seems that our love affair with backyard entertaining heats up around this time every year. Whether it's a quiet family meal under the stars or a backyard barbecue for dozens, the appeal of outdoor living is undeniable.

Home improvement expert Leslie Segrete says: "Your outdoor space doesn't have to be uncomfortable just because your favorite couch isn't there. With an expanded selection of outdoor pieces available now - and at all price points - it's easier than ever to set up a charming space that can serve as the perfect backdrop for small family gatherings or the big neighborhood bash."

Segrete offers some advice on how to create a beautiful, functional - and most importantly affordable - outdoor room no matter what your color scheme, whether it's apple green, citrus orange or other hot colors of the moment. With just a little work, your outdoor area will be the family's favorite gathering spot from spring through fall.

Start with the basics.
The hot trend right now is to make your outdoor space as put together as your indoor living spaces. Kmart's Country Living collection offers a large selection of beautiful and versatile patio furniture at an incredible value that will enable anyone to transform whatever space they have into an inviting outdoor living area. Whether it's upholstered cushions, a fast-drying sling chair, items made from resin, aluminum or steel, there is something available to suit every taste and every budget. And with the coordinated sets that are readily available, one doesn't have to be an interior designer to put together a beautifully designed space.

Follow the same design rules you use in your home.
Look for big items (such as sofa and chairs) in a neutral palette and add a pop of color with accessories. For example, cushions can provide a welcome splash of color, as well as make the space more comfortable and inviting. Just as it is in indoor spaces, lighting your outdoor space is key: Add a lighted chandelier or string a few party lights to illuminate the area. An outdoor fire pit can provide heating and light at the same time; it's a perfect addition for when the evenings are still cool.

Consider how the space will be used.
If your entertaining will be primarily adult-centric dinners and gatherings, you can decorate your space in a more polished way. If, however, your shindigs will be kid-friendly family affairs, a more rugged, irreverent vibe (with all unbreakable accessories) may be the way to go. For smaller areas, Kmart's bistro set would be ideal, and there are furniture sets that would be perfect for a larger dining area, a bar setup or simply a comfortable seating area. For music, find one of the many portable iPod speakers on the market - these can be whimsical and fun or smart and chic, whichever matches the tone you've set in your space.

Don't be afraid to use design in your landscaping.
For an outdoor space, landscaping is a fantastic way to expand your color palette. Perennial flowers and shrubs cost more in the short term, but will last for years. Maximize annuals, as well; they are a great way to add a splash (or two) of color. You can choose interesting planters, such as copper pots or eco-planters, or decorative plant stands to create a focal point.

Remember, you already have beautiful greenery to set the stage, and you don't have to break the bank to create a gorgeous outdoor space that will be like adding a room to your house for six to eight months of the year.

Whatever your personal style, and however you plan to use your newly designed outdoor room, making the space an appealing destination will ensure that you and your family and friends will be clamoring for the warm weather - and the good company and fun to be had in your new backyard entertainment spot.

Tulare home offers great master suite

2011-04-11T08:00:00.000-07:00

2175 Stevenson Ct Tulare, listed at $168,500.

This unique custom home in Tulare is located on a spacious cul de sac lot in California Estates.

With 3 bedrooms and two baths, this 1,624-square-foot beauty is a must see.

The entry leads into an open foyer that can be a second living area, open den, or showcase a baby grand piano.

The open floor plan features high ceilings, a plant shelf, and lots of windows. You'll love entertaining whether friends and family gather in the kitchen at a bistro table, kitchen counter or in the formal dining room.

You can take the party outside where you'll enjoy the covered patio with speakers, grass area, sparkling pool and spa.

The master retreat has two walk in closets, two sinks, two shower heads in the oversized shower, room for large furniture and a French door to the covered patio.

The secondary bedrooms have high vaulted ceilings and one has a loft!

You'll appreciate the aggregate and berber flooring, bronzed hardware, alarm, finished garage, and large fenced side yard.

There are even special financing incentives available on this property through SIRVA Mortgage.

For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364.

Renovation inspiration: Upgrade your home's exterior for timeless appeal

2011-04-04T09:54:00.000-07:00

(ARA) - As spring approaches and the winter snow begins to melt from your roof and lawn, now is a great time to step back and survey what you can do to improve the look of your home for the warm summer months, and for years to come.

Could your house use an exterior upgrade? Would you like a boost of color, but are afraid to stray from neutrals? Do you wish your home looked like the ones you see in magazines and television shows?

Renovating a home's exterior is one way to dramatically improve the overall curb appeal.

"Many homes that were built post-war during the mid to late 20th century lost the historical, architectural appeal of older homes due to the need for mass produced, affordable housing," says Deryl Patterson, partner at BSB Design, a leading national residential architectural firm. "Updating those tired exterior elevations with historical details and mixed materials can help give homes a timeless appeal and boost resale value."

Some homeowners might feel they do not have the tools they need to begin a renovation, and can become overwhelmed when thinking about the process. The good news is today's leading architects and product manufacturers are working to give homeowners the inspiration and confidence to move forward with an exterior renovation.
"Today's homeowners and home buyers want a low-maintenance, energy-efficient house that is unique in style and stands out in the neighborhood," says John Stephenson of Ply Gem, a building products manufacturer that has introduced a collection of inspirational home style visuals and guidelines to help homeowners begin conversations with their contractor.

To help arm homeowners with the tools they need to upgrade their exterior, Ply Gem and BSB Design offer these tips.

Realize the possibilities
Years ago, it was virtually impossible to maintain historically accurate character when building or renovating using low-maintenance materials. Thanks to technological advancements in product manufacturing processes, builders and homeowners can now achieve beautiful, colorful home designs without the maintenance and cost of natural materials. Many products such as insulated siding and triple pane windows also offer the added benefit of energy efficiency.

Which architectural style suits your personal style?
Knowing which home style you're partial to will help narrow down the features you add to your home in a renovation. For an old-world, European style, consider the architectural details of the French Country, Spanish Eclectic or Tuscan. For a more contemporary or transitional aesthetic, look to the Prairie and Craftsman. And for traditional styles, Shingle and Georgian features work well.

Don't be color shy
Exterior home color selection can be an overwhelming process, especially because it's one of the longest-term decisions that homeowners have to make. However, going beyond white or beige and using the right color combinations can take a home from drab to stunning. "A good rule of thumb is to select three or four coordinating colors and use them on different elevations and architectural details of the home, including shutters, trim and gables," says Patterson. Look to collections, like The Designed Exterior Collection by Ply Gem, that simplify color selection by identifying palettes that work for each architectural style. Another easy way to incorporate color is by mixing in other materials, such as stone veneer and bold window exteriors, with vinyl siding.

Be particular when it comes to architecture
Each architectural style has key defining features that reflect the era in which it was introduced. To stay true to the elements that characterize the particular style, work with your contractor or architect and determine which materials should be used to achieve the look you desire. Consider features such as low pitched roofs for modern styles like the Craftsman and Prairie, use of stone veneer or stucco in European-inspired styles or incorporation of hand-split shakes in the Shingle style. Window design is also an important aspect of architectural styling that is often overlooked. Colonial grilles offer a traditional style, while fixed or casement windows with minimal grilles provide a streamlined, modern look.

To help take the guesswork out of architectural styling and color selection, websites like www.DesignedExterior.com offer tried and true combinations and design specifications. For more ideas on upgrading your home's exterior, also visit www.BSBDesign.com.

Secrets of a truly deep clean

2011-03-28T08:00:00.000-07:00

Via Flickr: Leah Lockhart Rogers

Deep clean your house and you'll brighten rooms and help maintain your home's value.

Deep cleaning your house is that top-to-bottom, take-no-dust-bunny-prisoners, mother-in-law-quality cleaning that truly maintains the value of your home. Here are frequently overlooked areas that a little spit and polish wouldn't hurt.

De-bug the light fixtures

See that bug burial ground within your overhead fixtures? Turn off the lights and carefully remove fixture covers, dump out flies and wash with hot soapy water. While you're up there, dust bulbs. Dry everything thoroughly before replacing the cover.

Vacuum heat vents and registers

Dirt and dust build up in heat vents and along register blades. Vents also are great receptacles for coins and missing buttons. Unscrew vent covers from walls or pluck them from floors, remove foreign objects, and vacuum inside the vent. Clean grates with a damp cloth and screw back tightly.

Polish hardware

To deep clean brass door hinges, handles, and cabinet knobs, thoroughly wipe with a damp microfiber cloth, then polish with Wright's or Weiman brass cleaner ($4). Dish soap shines up glass or stainless steel knobs. Use a Q-tip to detail the ornamental filigree on knobs and handles.

Replace grungy switch plates

Any amateur can wipe a few fingerprints off cover plates that hide light switches, electric outlets, phone jacks, and cable outlets. But only deep cleaners happily remove plates to vacuum and swipe the gunk behind. (OK, we're a little OCD when it comes to dirt!) Make sure cover plates are straight when you replace them. And pitch plates that are beyond the help of even deep cleaning. New ones cost less than $2 each.

Neaten weather stripping

Peeling, drooping weather stripping on doors and windows makes rooms look old. If the strip still has some life, nail or glue it back. If it's hopeless, cut out and replace sections, or just pull the whole thing off and start new. A 10-ft. roll of foam weather stripping costs $8; 16-ft. vinyl costs about $15.

Replace stove drip pans

Some drip pans are beyond the scrub brush. Replacing them costs about $3 each and instantly freshens your stove.
___________________________________
Jane Hoback is a veteran business writer who has written for the Rocky Mountain News, Natural Foods Merchandiser magazine, and ColoradoBIZ Magazine.
Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2011.All rights reserved.

NEW LISTING: Two story in northwest Visalia

2011-03-22T08:53:00.000-07:00

5522 W Wren Ave, Visalia, listed at $293,000.

A gorgeous two-story home with all the custom features!

This northwest Visalia home is 3,147 square feet with 5 bedrooms and 3 bathrooms.

Walk into the formal living area PLUS a great room open to the kitchen nook and fabulous kitchen.

The formal dining room overlooks a Tuscan-style patio, enhancing that perfect, relaxing meal.

In the rear yard and you will find a built-in kithcen/BBQ island, large side yards and a cool pool ready for some fun!

For more information and pictures, click here.

Call Darlene Loose for your appointment today! (559) 625-9364.

New price on beautiful Visalia estate

2011-03-15T13:39:00.001-07:00

3030 W Iris Ave, Visalia, listed at $449,000.

Call Darlene Loose for an appointment today! (559) 625-9364

Cost-effective ways to boost curb appeal

2011-03-14T11:04:00.000-07:00

(ARA) - Anyone who's ever bought, sold or even just looked at a house can tell you first impressions matter. A house can be filled to the rafters with luxury touches, but if it lacks curb appeal, few potential buyers will ever step in the door to see what's inside.

With real estate sales still sluggish across the country, curb appeal is taking on a new meaning for many homeowners. While an attractive home exterior can still boost potential resale value, homeowners are also looking at curb appeal as a way to enhance the enjoyment of their homes.

Giving the exterior of their home a facelift not only makes the house stand out on the street, it also allows homeowners to "move up" without the expense of remodeling or moving.

Fortunately, many curb appeal-enhancing projects can be cost-effective too, yielding significant improvements for a modest investment.

"Projects can be inexpensive and simple while adding tremendous value and curb appeal," says Mark Clement, HGTVPro.com how-to expert and host of "MyFixItUpLife."

If you're looking for low-cost, high-impact ways to create or improve curb appeal, consider these ideas:

* Make small improvements that have a big impact. Simple touches like repainting the front door, window trim and shutters, planting flowers, and switching outdated light fixtures can create a whole new look. Plus, these simple improvements have the advantage of being scalable. Instead of re-siding the entire house, you can freshen the facade by tackling smaller portions, such as a porch or garage. Later, if you want to continue the improvement, you can re-side other areas of the facade.

* Choose materials that are durable and stylish. Skimping on materials may seem like a great way to save money, but you could end up spending more in the long run if you have to redo a job that was first done with lower quality materials. Purchase the best quality materials you can afford - not only will they look better than cheaper goods, they'll last longer and provide more enjoyment and value.
* Dress up the exterior with accents. Adding touches like accents to gables, posts and beams, drain chains in place of downspouts or planter boxes made with beautiful, sustainable materials like Western Red Cedar is a great way to improve curb appeal while stretching your budget. Quality materials retain their beauty over time better than cheaper materials.

* Illuminate. Light is a powerful accent, and, thanks to the availability of easy-to-install solar lights, you don't need to pay a professional to light your landscape. Solar lights - readily available in home improvement stores - provide decorative illumination to driveways, walkways and gardens.

* Introduce shade. Arbors and trellises adorned with flowering vines are not only beautiful in warm months; they're a great way to add areas of shade to your landscape. They can even be used to block the scorching heat from the afternoon sun from parts of your home's interior. Building an arbor or trellis is well within the capabilities of most do-it-yourselfers. For free ideas and plans, visit www.wrcla.org.

* Add a splash of color to your landscape with low-maintenance plantings that require little attention. As an added "green" step, consider plants that require less water, too. Your local home extension office can help you identify what types of plants will grow best in your region.

* Think "green." Whenever possible, choose materials that are truly sustainable, like Western Red Cedar. Sustainable materials are ones that have been harvested and/or manufactured through methods designed to reduce their impact on the environment.

"Natural, long-lasting materials, like real wood, return beauty, durability and value," Clement says.

When it's time to move, have a plan

2011-03-07T08:00:00.000-08:00

After I help my clients sell a home, I know they are ready to move out to the next house. Selling a home is a huge relief, until the thought of packing up everything you own and moving it across town, or elsewhere, starts to really settle in.

But you can manage the workload and stress of moving if you break it down into manageable pieces. Start with a comprehensive check list of things that need to be accomplished. Here are some of the basics:

Sorting through stored items that could be given to charity
Finding a moving company
Notifying utilities, schools, creditors, etc. of your change of address
Get packing supplies

Make an inventory of household items, including things stored in the garage. Put together a packing list so you know what's in each box, and clearly label them according to their location in the new house.

How to Save on Home Moving Costs

5 things to know about your home loan's good-faith estimate

2011-02-28T08:00:00.000-08:00

Knowing how to read your good-faith estimate can help you save money on your home loan.

When you're shopping for a mortgage loan, it's sometimes hard to understand the jargon lenders use in the good-faith estimate explaining the costs and fees you'll pay when taking out a mortgage.

Via Flickr: billaday

When you apply for a mortgage, the lender has three days to give you a good-faith estimate of the fees and interest rate you'll pay, as well as other loan terms. Here are five tips for using the new three-page form to your advantage.

When you apply for a mortgage, the lender has three days to give you a good-faith estimate of the fees and interest rate you'll pay, as well as other loan terms. Here are five tips for using the new three-page form to your advantage.

Know which fees can increase and by how much

In the past, lenders provided an estimate of the costs involved in getting your home loan, and if those costs rose by the time you closed on your home, tough luck. The good-faith estimate shows some fees the lender can't change, like the loan origination fee that you pay to get a certain interest rate (commonly called points) and transfer costs.

The form also lists the charges that can increase by up to 10%, like some title company fees and local government recording fees. The lender must cover any increase over that amount.

Finally, the good-faith estimate lists the fees that can change without any limit, such as daily interest charges.

Look for answers to basic loan questions
In the summary section, lenders explain your loan's terms in simple language. Can your interest rate rise? If so, a lender must spell out how much the rate can jump and what your new payment would be if it does. Can the amount you owe the lender increase, even if you make your payments on time? If it can, a lender must show you the potential increase.

Evaluate the "tradeoffs" on a loan
In the new "tradeoff table," you can ask lenders to provide details on the tradeoffs you can make in choosing among home loans. If you'd like the same loan with lower settlement charges, how will the interest rate change? If you'd like a lower interest rate, how much will your settlement charges increase?

Compare apples to apples with the shopping chart

Included on the good-faith estimate is space for you to list all the terms and fees for four different loans, so you can make side-by-side comparisons.

Know what's missing from the good-faith estimate
The new form lacks some key information, such as how much you'll reimburse the sellers for property taxes they've already paid on the home. It also doesn't tell you the amount of money you'll have to bring to the closing table. Some lenders have created supplemental forms providing that information. If yours hasn't, ask for it.
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More from HouseLogic

More on the new good-faith estimate form

Other web resources

The new U.S. Housing and Urban Development good-faith estimate

More on shopping for a loan

G.M. Filisko is an attorney and award-winning writer who has encountered many settlement statements that bore no resemblance to the lender's good-faith estimate. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.

Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2010. All rights reserved.

Home maintenance provides enduring value

2011-02-14T08:00:00.000-08:00

Via Flickr: Inger Klekacz

Regular home maintenance is key to preserving the value of your house and property.

If you think home maintenance is an unavoidable series of weekend-eating chores, remember the age-old advice of Benjamin Franklin: "An ounce of prevention is worth a pound of cure."

The fact is, proactive maintenance is essential to preserving the value of your home-without it, your home could lose 10% of its value. Regular, routine maintenance enhances curb appeal, ensures safety, and prevents neglected upkeep from turning into costly major repairs.

"It's the little things that tend to trip up people," says Frank Lesh, former president of the American Society of Home Inspectors and owner of Home Sweet Home Inspection Co. in Chicago. "Some cracked caulk around the windows, or maybe a furnace filter that hasn't been changed in awhile. It may not seem like much, but behind that caulk, water could get into your sheathing, causing mold and rot. Before you know it, you're looking at a $5,000 repair that could have been prevented by a $4 tube of caulk and a half hour of your time."

Maintenance affects property value

Outright damage to your house is just one of the consequences of neglected maintenance. Without regular upkeep, overall property values are affected.

"If a house is in worn condition and shows a lack of preventative maintenance, the property could easily lose 10% of its appraised value," says Mack Strickland, a professional appraiser and real estate agent in Chester, Va. "That could translate into a $15,000 or $20,000 adjustment."

In addition, a house with chipped, fading paint, sagging gutters, and worn carpeting faces an uphill battle when it comes time to sell. Not only is it at a disadvantage in comparison with other similar homes that might be for sale in the neighborhood, but a shaggy appearance is bound to turn off prospective buyers and depress the selling price.

"It's simple marketing principles," says Strickland. "First impressions mean a lot to price support."

Prolonging economic age

To a professional appraiser, diligent maintenance doesn't translate into higher property valuations the way that improvements, upgrades, and appreciation all increase a home's worth. But good maintenance does affect an appraiser's estimate of a property's economic age-the number of years that a house is expected to survive.

Economic age is a key factor in helping appraisers determine depreciation-the rate at which a house is losing value. A well-maintained house with a long, healthy economic age depreciates at a much slower rate than a poorly maintained house, helping to preserve value.

Estimating the value of maintenance

Although professional appraisers don't assign a positive value to home maintenance, there are indications that maintenance is not just about preventing little problems from becoming larger. A study by researchers at the University of Connecticut and Syracuse University suggests that maintenance actually increases the value of a house by about 1% each year, meaning that getting off the couch and heading outside with a caulking gun is more than simply a chore-it actually makes money.

"It's like going to the gym," says Dr. John P. Harding, Professor of Finance & Real Estate at UConn's School of Business and an author of the study. "You have to put in the effort to see the results. In that respect, people and houses are somewhat similar-the older (they are), the more work is needed."

Harding notes that the 1% gain in valuation usually is offset by the ongoing cost of maintenance. "Simply put," he says, "maintenance costs money, so it's probably best to say that the net effect of regular maintenance is to slow the rate of depreciation."

How much does maintenance cost?

How much money is required for annual maintenance varies. Some years, routine tasks, such as cleaning gutters and changing furnace filters, are all that's needed, and your total expenditures may be a few hundred dollars. Other years may include major replacements, such as a new roof, at a cost of $10,000 or more.

Over time, annual maintenance costs average more than $3,300, according to data from the U.S. Census. Various lending institutions, such as Directors Credit Union and LendingTree.com, agree, placing maintenance costs at 1% to 3% of initial house price. That means owners of a $200,000 house should plan to budget $2,000 to $6,000 per year for ongoing upkeep and replacements.

Proactive maintenance strategies

Knowing these average costs can help homeowners be prepared, says Melanie McLane, a professional appraiser and real estate agent in Williamsport, Pa. "It's called reserve for replacements," says McLane. "Commercial real estate investors use it to make sure they have enough cash on hand for replacing systems and materials."

McLane suggests a similar strategy for homeowners, setting aside a cash reserve that's used strictly for home repair and maintenance. That way, routine upkeep is a snap and any significant replacements won't blindside the family budget. McLane's other strategies include:

Play offense, not defense. Proactive maintenance is key to preventing small problems from becoming big issues. Take the initiative with regular inspections. Create and faithfully follow a maintenance schedule. If you're unsure of what needs to be done, a $200 to $300 visit from a professional inspector can be invaluable in pointing out quick fixes and potential problems.

Plan a room-per-year redo.

"Pick a different room every year and go through it, fixing and improving as you go," says McLane. "That helps keep maintenance fun and interesting."

Keep track. "Having a notebook of all your maintenance and upgrades, along with receipts, is a powerful tool when it comes to sell your home," advises McLane. "It gets rid of any doubts for the buyer, and it says you are a meticulous, caring homeowner." A maintenance record also proves repairs and replacements for systems, such as wiring and plumbing, which might not be readily apparent.
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John Riha has written six books on home improvement and hundreds of articles on home-related topics. He's been a residential builder, the editorial director of the Black & Decker Home Improvement Library, and the executive editor of Better Homes and Gardens magazine. His standard 1968 suburban house has been an ongoing source of maintenance experience.

Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2011. All rights reserved.

Happy 38th Anniversary RE/MAX

2011-02-04T08:00:00.000-08:00

I'm happy to say that my company, RE/MAX, is celebrating its 38th anniversary and a year of significant success despite a challenging housing market.

As a newer member to the RE/MAX family, I have had the opportunity to watch this national company's success evolve over time. This month, RE/MAX and its Co-Founders, Dave and Gail Liniger, celebrate a year of remarkable achievements and Founder’s Day, the day RE/MAX was created.

In 2010, RE/MAX worldwide franchise sales were up nearly 30 percent from the previous year and RE/MAX agents were ranked the most productive in the industry by two notable industry surveys.

That's good news for my clients. It means you can partner with us confident that your housing needs, whether buying, selling or investing, will be handled professionally and efficiently backed by years of expertise.

Immaculate Visalia home with great backyard

2011-01-31T08:00:00.000-08:00

3921 South Bollinger, Visalia, listed at $145,000.

This Visalia home at 3921 South Bollinger is an immaculate jewel with a welcoming front porch and custom interior colors.

The 3 bedroom, 2 bath home features vaulted ceilings and an open living area. The fireplace burns wood!

Inside there are 3-panel white interior doors with bronze knobs, along with tile floors in kitchen and entry.

The kitchen features upgraded tile countertops.

In back there is a covered patio overlooking a lush backyard with mature landscaping. A concrete sidewalk leads to the front of the home. No flood insurance required on this property.

The refrigerator, washer and dryer will be included with no warranty. This home is adorable and shows well.

This listing is a traditional sale. For more information and pictures, click here.

For an appointment, call Darlene Loose today! (559) 625-9364.

New price for Royal Oaks home in Visalia

2011-01-28T14:58:00.000-08:00

3030 W Iris Ave, Visalia, listed at $514,000.

Come take a look at the unique architectural design of this Royal Oaks Estate on a half acre in Visalia. Listed at $514,000.

This home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Keep spring pests from hatching in your home

2011-01-19T08:00:00.000-08:00

(ARA) - As spring approaches, homeowners won't be the only ones opting for stay-cations. Insects that hibernate during cold winter months reappear in the spring, setting their sights on a location closer to home than you think - the safety and warmth of your house.

Hundreds of thousands of pests breed and hatch in large numbers in early spring. For example, most spiders live either one to two seasons and one female spider may produce as many as 3,000 eggs.

"Hidden places in your home could be the breeding ground for pests that hatch in spring," says Aaron Hobbs, president of RISE (Responsible Industry for a Sound Environment), a national organization representing the manufacturers, formulators and distributors of pesticide and fertilizer products used in and around homes and businesses. "Once these pests hatch, their numbers quickly increase, and food sources and shelter often determine the length of their stay."

Pests like bed bugs and stink bugs that have found their way into homes across the country often stay year round, as long as they find food and shelter.

Also, as the spring real estate market heats up, many lenders are requiring re-inspections that could reveal pest-related health and safety hazards. At least buyers and sellers are on the same page about one thing: the importance of taking preventive action to avoid or manage pest infestations. Ask any pest management professional to share horror stories about problems new homeowners have experienced with pests, often with repercussions for sellers who neglected to fix a problem.

What can homeowners and sellers do? Take these easy-to-follow steps, suggested by the acronym I.N.S.P.E.C.T:

INvestigate - Become a pest detective and investigate your home or a potential new home for pest problems. On the inside of your home, open food containers, look for cracks in interior walls, look for signs of droppings, check vents to the outside, holes in window screens and know that pests like to hide in cool, dark places like attics and basements. On the outside of your home, make sure the cold temperatures aren't causing cracks in your exterior walls, and investigate for holes, unsealed garbage cans, woodpiles and plants that may be too close to the home. Also, check any structure that can hold standing water, which is a favorite breeding ground for mosquitos. Also check for stinging insect nests on the ground or in your gutters.
Study - Identify your pest problem so that you can use the proper method to solve or control the issue. Take time to search reputable online sites to identify pests. You can also contact a university extension office, or visit a local garden store that may have insight on common pests in the area.

Prepare - Think about the tools you'll need to solve your problem, including gloves, caulk and insecticides or herbicides. "One of the most common problems homeowners have is that they aren't sure which products to use or who to call to solve the problem," says Janet Hurley, integrated pest management specialist with the Texas AgriLife Extension Service. "Doing your research, talking to professionals and correctly using the products are the quickest ways to effectively end those pesky pest problems."

Eliminate - Take the time to eliminate access points and other inviting entryways for pests lurking outside. Remember to seal windows, caulk gaps around windows and doors and fix any water leaks. Be ready to tackle neglected or overgrown shrubs and trees near your home. These areas encourage ticks, fleas and stinging insects to stay, increasing your risk for Lyme disease, Rocky Mountain spotted fever, and infections and allergic reactions resulting from bites and stings.

Clean - Pests need a place to live, food and a source of water, so make sure you aren't providing them with room, board and all the comforts of home. For example, store cereals, crackers and other food items in plastic containers with secure lids. Without easy access, pests won't be able to find their way into your food.

Treat - Treating pest problems with the responsible use of pesticide products will help keep your home, lawn and community pest-free. This includes purchasing the right products for your problem. For some significant pest problems, such as termites, calling a certified pest professional is the best option.

To make inspecting your home easy, visit www.debugthemyths.com/inspectandprotect for a step-by-step checklist. You'll also find additional resources including regional fact sheets, kids' activities and other helpful information to help you protect your family's health and your property value from pests.

Price reduced on custom Visalia charmer

2011-01-10T09:02:00.000-08:00

3030 W. Iris Ave. in Visalia, listed at $524,000

Come take a look at the spectacular architectural design of this Royal Oaks Estate on a half acre in Visalia. It is now listed at $524,000 - a great value!

This home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

8 tips for adding curb appeal and value to your home

2011-01-03T08:00:00.000-08:00

Via Flickr: Kris247

Appraisers and real estate agents offer advice for adding curb appeal that both preserves value and attracts potential buyers.

Curb appeal has always been important for home sellers. With the vast majority of today's home buyers starting their search on the Internet, the appearance of your property is more critical than ever. You only have a few seconds to catch their attention as they scroll through listings online to get them to stop and take a closer look.

But the role of curb appeal goes beyond just making a good first impression. The way your house looks from the street can impact its value. It can also shorten the time it takes to sell your house.

We asked real estate agents, appraisers, home stagers, landscape designers, and home inspectors which curb appeal projects offer the most value when your house is on the market, both in terms of its marketability and dollars. Here is what they told us:

1. Paint the house.

Hands down, the most commonly offered curb appeal advice from our real estate pros and appraisers is to give the exterior of your home a good paint job. Buyers will instantly notice it and appraisers will note it on the valuation.

"Paint is probably the number one thing inside and out," says Frank Lucco, managing partner of Houston-based IRR-Residential Appraisers and Consultants. "I'd give additional value for that. If you're under two years remaining life (on the paint job), paint the exterior because it tends to show wear badly."

Just make sure you stay within the range of accepted colors for your market. A house that's painted a wildly different color from its competition will be marked down in value by appraisers.

2. Have the house washed.

Before you make the investment in a paint job, though, take a good look at the house. If it's got mildew or general grunge, just washing the house could make a world of difference, says Valerie Torelli, a California real estate agent with a background in accounting.

Before she puts a house on the market, Torelli often does exterior makeovers on her clients' homes, a service she pays for herself to get higher selling prices. Overall, she says her goal is to spend less than $5,000, with a goal of generating an extra $10,000 to $15,000 on the sale price.

Torelli specifies pressure-washing-a job that should be left to professionals. Pressure washing makes the house look "bright and clean in addition to getting rid of unsightly things like cobwebs, which may not be seen from the yard but will detract from the home's cleanliness when seen up close," she says.

The cost to have a professional cleaning should be a few hundred dollars--a fraction of the cost of having the house painted.

3. Trim the shrubs and green up the yard.

California real estate agent Valerie Torelli says she puts a lot of emphasis on landscaping, such as cutting down overgrown bushes and replacing them with leafy plants and annuals mulched with beautiful reddish-brown bark. "It runs me $30 to $50," says Torelli. "Do you get a return on your money? Absolutely. It sucks people in."

You also don't want bare spots. Take the time to fertilize the yard, throw out some grass seed, and if need be, add some sod.

4. Add a splash of color.

It could be a flower bed of annuals by the mailbox, a paint job for the front door, or a brightly colored bench or an Adirondack chair. "You can get a cute little bench at Home Depot for $99," Torelli notes. "Spray paint it bright red or blue and set it in the yard or on the front porch."

It's not a bad idea, but don't plan on getting extra points from an appraiser for a red bench, says John Bredemeyer, president of Realcorp in Omaha. "It's difficult to quantify, but it does make a home sell more quickly," Bredemeyer says. "Maybe yours sold a couple weeks faster than the house down the street. That's the best way to look at these things."

5. Add a fancy mailbox and house numbers.

An upscale mail box and architectural house numbers or an address plaque can give your house a distinctive look that stands out from everyone else on the block. Torelli makes them a part of her exterior makeovers "I've gotten those hand-painted mailboxes," she says. "A nice one runs you $40 to $50." Architectural house numbers may run as high as a few hundred dollars.

6. Repair or clean the roof.

Springfield, Va.-based home inspector and former builder Reggie Marston says the roof is one of the first things he looks at in assessing the condition of a home. He'll look at other houses in the neighborhood to see if there are a lot of replaced roofs and see if the subject house has one as well. If not, he'll look for curls in the shingles or missing shingles. "I'm looking at the roof for end-of-life expectancy," he says.

You can pay for roof repairs now, or pay for them later in a lower appraisal; appraisers will mark down the value by the cost of the repair. That could knock thousands of dollars off your appraisal. According to Remodeling Magazine's 2010-2011 Cost vs. Value Report, the average cost of a new asphalt shingle roof is about $21,500.

"Roofs are issues," Lucco says. "You won't throw money away on that job. You gotta have a decent roof."

Stains and plant matter, such as moss, can be handled with cleaning. It's a job that can often be done in a day for a few hundred dollars, and makes the roof look like new. It's not a DIY project; call a professional with the right tools to clean it without damaging it.

7. Put up a fence.

A picket fence with a garden gate to frame the yard is an asset. A fence has more impact in a family-oriented neighborhood than an upscale retirement community, Bredemeyer says, but in most instances, appraisers will give extra value for one, as long as it's in good condition. "Day in a day out, a fence is a plus," Bredemeyer says. Expect to pay $2,000 to $3,500 for a professionally installed gated picket fence 3 feet high and 100 feet long.

8. Perform routine maintenance and cleaning.

Nothing sets off subconscious alarms like hanging gutters, missing bricks from the front steps, or lawn tools rusting in the bushes. It makes even the professionals question what else hasn't been taken care of.

"A house is worth less if the maintenance isn't done," Lucco says. "Those little things can add up and be a very big detractor. When people say, 'I'd buy it if it weren't for all the deferred maintenance,' what they're really saying is, 'I'd still buy it if you reduce the price.'"
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Georgia-based freelance writer Pat Curry has covered housing and real estate for consumer and trade publications for more than a decade, including covering new home sales and marketing for BUILDER, the magazine of the National Association of Home Builders.

Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2011. All rights reserved.

Beautiful, spacious home in north Visalia area

2010-12-27T20:45:00.000-08:00

31599 Road 132 Visalia, listed at $190,000.

Just north of Visalia, this beautiful home has had the same owners since 1971.

Enjoy a 3 bedroom, 2 bathroom home with an updated kitchen, new appliances, sink and tile flooring.

This 1,831-square-foot home retains its original charm in the living areas.

The owner's suite bath has new tile shower and flooring, sink and commode.

The home features a formal living room, family room and a formal dining room.

There is a spacious laundry room with tile flooring. There is also central heating and cooling throughout the house, except in the sunroom, which is not included in the square footage.

Outside, there is an attached carport and a detached 2-car garage and workshop. The asphalt driveway gives this home a clean look and the mature landscaping adds nice curb appeal.

Call Darlene Loose for an appointment today! (559) 625-9364

In-town half acre estate

2010-12-21T08:00:00.000-08:00

3030 W. Iris Ave. in Visalia, listed at $544,200

Come take a look at the spectacular architectural design of this Royal Oaks Estate on a half acre in Visalia.

This home has it all. Enjoy a sparkling pool and spa with a waterfall. It also has a fitness center that includes a steam shower and sauna (335 square feet).

Inside this 3,108-square-foot home are floor-to-ceiling windows at the front and rear of the house, creating lots of natural light in the open living area and offering great views of a lush park-like yard.

There are tile floors in the entry, hall, living room, kitchen, laundry and owner's suite. There is a fourth bedroom/office with full bath, offering lots of privacy.

The remodeled kitchen has raised-panel cabinets, a center island with vegetable sink, roll-out shelving, pantry, and a SubZero refrigerator.

There are skylights in the vaulted wood ceiling, extending into the dining room with oak floors and another skylight - all electronically controlled.

The spacious guest bedroom wing has full bath and a 11'X16' family/computer room.

The owner's suite has a wall of windows overlooking the patio and yard with vaulted a ceiling. The three-sided fireplace splits the elegant, remodeled bath area with top-set sinks, jetted tub with leaded glass backdrop, a huge shower and a walk-in closet.

This unique property is a must see. For more information and pictures, click here.

Call Darlene Loose for an appointment today! (559) 625-9364

Decorating for a trendy Christmas on a non-trendy budget

2010-12-13T08:00:00.000-08:00

Selling your house during the holidays? Do it with style.

(ARA) - We are all watching our wallets closely as we begin to prepare for Christmas. There are children, parents, siblings, friends, teachers and a host of others for whom we need to purchase gifts. And you're likely planning to throw at least one holiday gathering that involves large quantities of food and drink.

Then there are your holiday decorations. If you're like most homeowners, you were planning to simply pull out the lights, ornaments and adornments that you've been using for the last couple of years. But what if you could have all new decorations without the expensive price tag? And what if you are trying to sell your home during the holiday season as well?

There are creative, cost-effective ways to spruce up your existing decorations with the season's trendiest colors without breaking the bank. Here's a look at some inspired holiday project ideas:

Make your interior merrier
Your Christmas tree sets the stage for the holiday theme and feel of your home. Refinishing ornaments is one of the fastest and easiest ways to update your look. Grab a couple of cans of spray paint from your local craft or hardware store, such as Krylon's indoor/outdoor paint in colors like satin jade, Catalina mist or blue ocean breeze, to create an entirely new color scheme on which you can build.

If you are in the market to buy or sell, call Darlene Loose for an appointment today! (559) 625-9364.
Remember, though, that your newly transformed ornaments can be used for more than just your tree. You likely have clear glass vases and bowls hiding around your home. Bring them out and add the painted ornaments to create a clever centerpiece on your kitchen table or in a guest bathroom. Write your guests' names on some ornaments with a metallic leafing pen to mark place settings at dinner or to use as a unique gift tag.

Inexpensive terra cotta pots can easily be transformed into glowing accent lighting for your coffee table, fireplace mantel or buffet. Spray the pots and bases with metallic spray paint and just add candles.

To add even more sparkle to your decor, accent fresh greenery and pine garland with glitter spray. Combine with the terra cotta pots for a distinctive centerpiece or easily hang around a door frame, mantel or entertainment center.

Spice up outdoor festivities
While you could always default to last year's strings of lights and inflatable Santa and reindeer, why not add some more color and distinctiveness to the outside of your home?

Instead of the white icicle lights that have adorned your house for the last couple of years, break out those colored lights buried in that dusty box marked "lights of Christmases past." Red, green or even blue will help you expand your holiday color palette.

The trees in your front yard were meant to hold more than just lights during the holiday season. Jazz them up with oversized Christmas ornaments painted in complementary colors to your new lighting scheme. You can recycle ornaments you already have or repurpose large round items bought at a flea market or garage sale. A few cans of indoor/outdoor spray paint and some string or hooks will transform your oversized ornaments and make your trees glow with color.

Don't forget the front door and windows. If you're like most homeowners, you've accumulated a number of wreaths over the years. Dig them out of the back of your attic and spruce them up with some spray paint, such as Krylon's Premium Metallic finish. You can also add new cost-effective embellishments like pinecones, shimmery ribbon or silk flowers. These "upcycled" wreaths will help add warmth to the outside of your home.

Whether you're looking to spice up the inside or outside of your home this holiday season, don't forget to look around the house and in those boxes of old holiday decorations for objects you can turn into the trendy item of the season on a budget. For more Christmas and holiday project inspiration, visit www.yourholidaystyle.com.

Lots of extras with this custom Visalia home

2010-12-08T08:00:00.000-08:00

31760 Chelsea Rd, Visalia, listed at $599,000.

This is one of the most custom homes you'll see on the market. This home features a very open great room with archways to the formal dining room, the music/game room, the kitchen and a wide hall to bedrooms.

Located at 31760 Chelsea Road just outside of Visalia, the home features a 14-foot ceiling in the foyer and a great room with crown molding.

Step into the library with cherry wood bookcases and french door to a covered patio.

A spectacular kitchen has a center island offering vegetable sink, wine refrigerator and chop block. Rounding out this feature-rich kitchen are cherry cabinets, a Viking gas range, Bosch dishwasher, microwave and stainless sink, including a walk-in pantry and butler's pantry.

The owner's suite has a walk-in shower, jetted tub and walk-in closet. More french doors to the patio.

A spacious bedroom/office has its own access to the yard off of the kitchen and mud room.

The property also includes a man's dream with 28'x 40' shop with bathroom RV shade barn with full hookups.

Other extras include: a central vacuum system, 5 Sola Tubes, 6 exterior walls, a whole house fan; it's plumbed for water softener, surround sound, over-head sprinklers and more. The third bedroom could be a mother-in-law set up.

Call Darlene Loose for an appointment today! (559) 625-9364.

Come see this unique Visalia home

2010-12-07T08:00:00.000-08:00

3030 W. Iris Ave. in Visalia, listed at $544,200

Call Darlene Loose for an appointment today! (559) 625-9364

Hibernate in style and comfort this winter

2010-12-06T08:00:00.000-08:00

(ARA) - OK, so humans don't really hibernate, but when those bone-chilling winds arrive, we all tend to prefer the climate-controlled comfort of our own homes. And like all creatures, great and small, who endure the hardships of winter, we must prepare.

While storing nuts or putting on a little extra winter fat may get some through the long days or nights, making a few home improvements can make your "nest" a little more habitable this winter (extra fat is optional).

Winterizing
If you consider your home to be a living, breathing thing, then its heating, ventilation and air conditioning (HVAC) system is its lungs and the ductwork its arteries. As you schedule checkups to keep your family healthy, do the same for your home's heating system.

An HVAC professional can perform a routine maintenance checkup to ensure all components of your HVAC system are operating properly and safely, and advise you on ways to improve energy efficiency. To locate an independent American Standard Heating & Air Conditioning dealer near you, visit www.americanstandardair.com.

Here are some other suggested household checkups to cross off your list before winter arrives:

* Check the ducts for leaks and inspect the fireplace and repair as necessary
* Inspect windows and pipes for leaks
* Properly insulate the attic
* Remove dirt and clutter from gutters and replace gutters if they are damaged
* Check smoke detectors and carbon monoxide detectors to ensure they are working properly
Improving your home before cool air sets in
As you winterize your home, it may become more apparent and more realistic to improve and replace rather than service and maintain. That old furnace may be costing you extra cash, and the cost of fuel never goes down in the winter. Also, have you considered the air quality in a home sealed up tight for the winter? Here are a few things you should consider improving to ensure a cleaner, healthier and more comfortable home environment:

* Consider adding a heat pump to your HVAC system. A heat pump does the job of an air conditioner and a furnace. But unlike a furnace, it doesn't burn fuel to create heat. It uses electricity and works with your indoor furnace or air handler to keep your home warm in the winter, cool in the summer, and comfortable all year round. American Standard Heating & Air Conditioning's Heritage(R) 20 Communicating Heat Pump is an economical option for homes with gas and electricity available.

* A whole-home air filtration system may be what the doctor ordered ... literally. A tightened up home can be a haven for dust, dander, bacteria and the flu. An air filtration system can remove up to 99 percent of allergens from a home's filtered air. It'll keep you breathing easier and healthier.

* Add a programmable thermostat - it can help you save time and money.

* Add a dehumidifier. Keeping a good balance between too dry and too moist is difficult in the winter but houses with too much moisture can harbor bacteria and germs, and not to mention damage woodwork like window frames and doors.

So, as your home creaks and settles into its winter routine you should be safe, warm and comfortable having enjoyed your preparations and improvements. Courtesy of ARAcontent

Sale pending on beautiful Mangano-built home

2010-11-29T08:00:00.000-08:00

6131 W Cherry Ct. Visalia, listed at $292,000.

Talk of a slow market aside, this Mangano-built home sold in one day.

This beautiful 2,640-square-foot home featured neutral colors, 10-foot ceilings with recessed lighting and a split floor plan.

The home featured 4 bedrooms, 2.5 bathrooms with coffered ceilings, and raised-panel cabinets with lighting.

The formal dining room opened into a great room.

The lush yard had a sparkling pool and waterfall with access from the owner's suite. In the master bathroom was a jetted tub and a walk-in closet.

The patio featured surround sound speakers. This was a very special and well-maintained home. It was a pleasure to represent the sellers.

Great mobile home with excellent landscaping

2010-11-23T14:41:00.000-08:00

2400 W Midvalley Ave #J2 Visalia, listed at $19,000.

Life at West Lake Village in south Visalia couldn't be any better than at this beautifully maintained and landscaped mobile home at 2400 W. Midvalley Ave. space #J2.

Listed at $19,000, this home is a great value in a high-demand adult mobile home park that offers a clubhouse, activities, pool, and a common lake.

This home cost $48,000 when it was new in 2004.

There is a double carport at the end of the cul de sac. This home features a gated patio/porch with lawn area at back.

This is an immaculate and well-maintained 2 bedroom, 1.5 bath home.

Call Darlene Loose for an appointment today! (559) 625-9364.

Mortgage interest deduction vital to housing market

2010-11-22T08:00:00.000-08:00

By Dona DeZube - The home mortgage interest deduction saves the average home owner thousands of dollars at tax time, supports home values at the community level, and helps American home buyers get into their first house.

Via Flickr: Chloe Rae

Having a tax deduction for mortgage interest makes owning a home more affordable because the deduction lowers the amount of tax you pay. U.S. Census data shows 37% of home owners with mortgages spend more than 30% of their income for housing. Paying less for housing means having more disposable income for savings and other household expenses.

Increasing housing affordability increases the number of renters who can afford to buy a home of their own responsibly; increasing the number of home buyers helps keep home prices stable for those who already own homes by ensuring a steady stream of new buyers.

How the deduction works

In general, any home owners who pay U.S. taxes and who itemize their taxes can deduct mortgage interest attributable to primary residence and second-home debt totaling $1 million, and interest paid on home equity debt of as much as $100,000.

Mortgage interest deduction threatened

In recent years, the mortgage interest deduction has come under attack. Among the suggestions for cutting it back to deal with the deficit:

Reduce the mortgage interest deduction for upper-income taxpayers-they'd only receive 28 cents on the dollar, even if they're in a 33% or 35% tax bracket and can now deduct 33 or 35 cents on the dollar
Reduce the $1 million cap by $100,000 a year.
Change the mortgage interest deduction to a 15% tax credit.

In the past, members of Congress have suggested other mechanisms for eliminating or limiting the mortgage interest deduction. None of those has ever gained traction.

Arguments against mortgage interest deduction

Arguments against the mortgage interest deduction center on who benefits and whether the government should support home ownership. They say:

It primarily helps the wealthy, since high-income taxpayers are more likely to itemize their deductions and to own homes. About 90% of taxpayers earning more than $100,000 itemize, while only 18% of those earning less than $50,000 follow suit, the Tax Foundation estimates.
Taxpayers who don't itemize deductions get to use the "standard deduction." They do that because it gives them a bigger tax break than itemizing to use the mortgage interest deduction.
Ending or reducing the mortgage interest deduction would create a deep source of money for reducing the budget deficit.
In the aftermath of the mortgage crisis, the U.S. needs to rethink its favored tax treatment of home ownership.

Arguments for mortgage interest deduction

Those who favor keeping the mortgage interest deduction say it helps middle-income families, who already pay nearly all U.S. income taxes. Plus, getting rid of the mortgage interest deduction would hurt home prices.

More than 60% of the families who claim the mortgage interest deduction have household incomes between $60,000 and $200,000, estimates the NATIONAL ASSOCIATION OF REALTORS.
A disproportionate number of those high-income taxpayers live in areas where housing is especially expensive, such as California and New York. In high-cost housing markets, lowering the $1 million cap would add a tax burden on families who already must pay high prices for homes.
Home owners already pay 80% to 90% of the income tax in our country, and among those who claim the mortgage interest deduction, almost two-thirds are middle-income earners, says NAR Chief Economist Lawrence Yun. So home owners, who are the pillars of federal income tax revenue, would have to shoulder a bigger tax burden.
Home values could fall 15%, says Yun, as buyers discount the value of the mortgage interest deduction in their purchase offers.
It's faulty to link the mortgage meltdown to the country's support for home ownership. The meltdown is rooted in lax underwriting and faulty ratings by credit rating agencies of the securities backed by the mortgage, says Yun.

Protecting the deduction promotes housing. In supporting the mortgage interest deduction, you help ensure that tomorrow's families can follow the same path to home ownership that so many of us have already traveled.
_______________________________________________
Dona DeZube, HouseLogic's News Editor, has been writing about real estate for over two decades. She lives in a suburban Baltimore 1970s rancher on a 3-acre lot shared with possums, raccoons, foxes, a herd of deer, and her blue-tick hound.

Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2010. All rights reserved.

Do you have the right tools for your "honey-do" list?

2010-11-17T08:00:00.000-08:00

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(ARA) - It's fall and there's no better time to take on home improvement projects and that ever-expanding "honey-do" list. Tackle those tasks now while they can still be done in the beautiful sunshine.

The key to tackling everything from the largest construction project to the smallest touch-up is to have the right equipment. Don't talk yourself into trying to getting by with makeshift tools - you'll only end up frustrated, and your project might not get done at all.

If you can't find everything you need in your tool shed (or even in your tool box), you may be worried about the cost of buying a lot of expensive equipment - particularly if you plan to do more than one project. For most people, renting equipment allows them to get jobs done without the extra cost of buying pricey items that they won't actually use much.

To make sure that you've got everything you need, start by assessing what tools and gadgets you have. Here are some ideas for what you'll need for some of the most common home improvement projects:

* For cleaning your home's exterior, whether it's the siding, deck or driveway, a rented power washer gets the job done in a fraction of the time with double the power.

* For touching up the paint on your home, you'll need sturdy ladders, an array of painting tools and, of course, paint. To give yourself an easy place to set all of your gear, a wheeled scaffolding unit with a platform is a great idea.

* For putting in a new fence, you'll need panels and posts, and, to make the job go faster, a power auger from your local rental store for digging post holes. Just make sure you contact local utilities to find out where it's safe to dig before you get started.
* For clearing unwanted brush, bushes and trees, you'll need a chainsaw and, potentially, a stump grinder or wood chipper. You can rent all of the necessary equipment.

* For adding a deck, choose the decking material you want, and depending on your selection, you might need to pick out sealants and decorative accents. You'll also need an air compressor for the building process.

Instead of having to shop around for the best price, you can save time and get started right away on your project by going to your local rental store and picking up the tools you need. To make finding the rental store nearest you even easier, the American Rental Association (ARA) offers RentalHQ.com, the world's largest and most comprehensive rental store locator.

You might even be able to talk your friends into helping out with your projects - combine an afternoon of deck building with a barbeque and you might just find more willing helpers than you'd expected. Armed with a little know-how, a little help from friends and the right tools, your "honey-do" list will be a thing of the past. For more information on tool rental, go to www.RentalHQ.com.

Affordable ways to make your new house feel like home

2010-11-13T08:00:00.000-08:00

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(ARA) - You know that moving into a new home can be one of life's biggest stressors - the packing, the paperwork, the unpacking, finding the nearest coffee shop ... even though numbers are down, 35.2 million Americans changed residences in 2008, according to a report by the U.S. Census Bureau. There are many ways to make your new house feel like home sooner than later, according to interior design faculty at The Art Institutes.

"Incorporating items with personal meaning, such as memorabilia or a special collection, can make your new place feel less like a stranger's house and more like your home," says Annette Lawrence, academic director of the Interior Design program at The Art Institute of Ohio - Cincinnati. Lawrence describes the concept of "adaptive re-use," an easy, inexpensive way to create a "sense of place" - in other words, making your new house the place in which you feel most comfortable - home.

Adaptive re-use involves bringing items from your previous residence to your new home, but with the twist of adapting them for a different or new use. Adaptive re-use is affordable, ecologically responsible and helps ease the psychological stresses that come with moving into a new, unfamiliar space. Adaptive re-use also involves using items from local design consignment shops. Such establishments can now be found in most towns and carry items ranging from furniture to window treatments and accessories.

Some examples of adaptive re-use:

* Same item, same use - The entry rug from your old house goes in the entryway of the new house.

* Same item, different location - Your living room furniture from your old home becomes your family room furniture in your new place.

* Same item, new use - You use the fabric from a window treatment to upholster your dining room chairs.
"Mies van der Rohe's old adage, 'less is more,' certainly holds true here," says Jackie Barry, interior design instructor at The Art Institute of Houston - North, a branch of The Art Institute of Houston. "Select significant pieces of furniture and art to move. You don't need to have or show everything you have all in one room."

Barry also advises incorporating a concept called biophilic design, which recognizes the inherent need of humans to interact and affiliate with nature to achieve and maintain optimum health and well-being. "Bring the outside in; don't neglect good views to the outside, accentuate them," she says. "Let your garden and landscaping work for you on the inside. Connecting with nature can also have a calming and a comforting effect."

If all of this still feels too overwhelming to you, consider hiring a professional interior designer to help you out. Lawrence suggests using personal contacts and references to find a designer who is right for you.

10 ways to lower homeowner insurance costs

2010-11-03T22:19:00.000-07:00

Whether in good economic times or bad economic times, it always pays to find ways to lower your household expenses. These days many of us are tightening our belt anyway we can. And with the holidays fast approaching, every little bit helps.

Via Flickr: 111Emergency

As homeowners there are simply some expenses we cannot forgo. Homeowner insurance is one of them. Not only do our lender's require it, but the risk of not insuring our single biggest investment is simply foolish.

Still, there are ways to lower those insurance premium costs. Here are 10 tips on finding ways to reduce your expense:

1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE report have been repaired.

2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.

3. Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.

4. Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.

5. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower. Avoid making claims under $1,000.

6. Ask about other discounts. For example, retirees who tend to be home more than full-time workers may qualify for a discount on theft insurance. You also may be able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt locks.

7. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.

8. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.

9. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.

10. Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.

If you are in the market for a home or looking to sell the house you're currently in, please give me a call today. I would love to discuss the market conditions and explain to you how my three decades of experience can help make the property transaction a smooth one. Call me at (559)625-9364.

Great curb appeal and open interior in southwest Visalia

2010-10-28T08:00:00.000-07:00

3305 S. Martin St, Visalia, listed at $159,900

Come join me for an open house on Sunday, Oct. 31 from 1-4 p.m. at this sharp-looking home across from Stonebrook Park.

This 3-bedroom, 2-bath home at 3305 S. Martin St. in southwest Visalia features fresh interior paint, a new gas range, new hardware fixtures in the bathrooms. The cabinets, except in the bathrooms, have all been refinished!

The 1,527-square-foot home has vaulted ceilings and solar tubes that create an open airy feel.

You will enjoy the pantry and indoor laundry. The third bedroom is now an office, but the owner will install Armoire.

This home has great curb appeal with its tile roof.

Call Darlene Loose for an appointment today! (559) 625-9364.

The top 5 contractor scams and how to avoid them

2010-10-25T08:00:00.000-07:00

By Oliver Marks - Protect yourself against unscrupulous contractors by learning about the warning signs of these common home-improvement scams.

Via Flickr: Brock Builders

Crooks go where the money is. So with Americans spending as much as $22 billion a year on construction projects, it's no surprise that home improvement has become a favorite target for fraud artists. Some of these shady characters use amazingly well-polished hoaxes that are tricky to spot until it's too late.

The vast majority of contractors are honest, hardworking professionals. Protecting yourself against the few bad apples requires checking references, having a solid contract, and being alert to the warning signs of these top five contractor scams.

Scam 1: I need the money up front

This is the most common ruse reported to the Better Business Bureau, says Erin Dufner, vice president of the organization's Austin, Texas, office. Your contractor explains that because he has to order materials and rent earthmoving equipment to get the job started, he needs, say, 30% to 50% of the project price up front. Once you've forked over the dough, one of two things happens: He disappears on you, or he starts doing slapdash work knowing that you can't really fire him because he's sitting on thousands of your dollars.

How to protect yourself: Never prepay more than $1,000 or 10% of the job total, whichever is less. That's the legal maximum in some states, and enough to establish that you're a serious customer so the contractor can work you into his schedule--the only valid purpose of an advance payment. As to the materials and backhoe rentals, if he's a professional in good standing, his suppliers will provide them on credit.

Scam 2: Take my word for it

When you first meet with the contractor, he's very agreeable about doing everything exactly to your specifications and even suggests his own extra touches and upgrades. Some of the details don't make it into the contract, but you figure it doesn't matter because you had such a clear verbal understanding. Pretty soon, though, you notice that the extras you'd discussed aren't being built. When you confront the contractor, he tells you that he didn't include those features in his price, so you'll have to live without them or pony up additional money to redo the work.

How to protect yourself: Unfortunately, you have no legal recourse because you signed a contract that didn't include all the details. Next time, make sure everything you've agreed on is written into the project description. Add any items that are missing, put your initials next to each addition, and have the contractor initial it, too--all before you sign.

Scam 3: I don't need to pull a permit

You're legally required to get a building permit for any significant construction project. That allows building officials to visit the site periodically to confirm that the work meets safety codes. On small interior jobs, an unlicensed contractor may try to skirt the rule by telling you that authorities won't notice. On large jobs that can't be hidden, the contractor may try another strategy and ask you to apply for a homeowner's permit, an option available to do-it-yourselfers.

But taking out your own permit for a contractor job means lying to authorities about who's doing the work. And it makes you responsible for monitoring all the inspections, explaining to the contractor what changes the inspector wants, and getting him to make them--since the contractor doesn't answer to the inspector, you do.

How to protect yourself: Always demand that the contractor get a building permit. Yes, it informs the local tax assessor about your upgrade, but it weeds out unlicensed contractors and gives you the added protection of an independent assessment of the work, says Tampa, Florida, attorney George Meyer, chair-elect of the American Bar Association's Forum on the Construction Industry.

Scam 4: We ran into unforeseen problems

The job is already under way, perhaps even complete, when this one hits. Suddenly your contractor informs you that the agreed-upon price has skyrocketed. He blames the discovery of structural problems, like a missing beam or termite damage, or design changes that you made after the job began.

The additional fees might very well be legit, but some unscrupulous contractors bid jobs low to get the work and then find excuses to jack up the price later. If you're unsure whether your contractor is telling the truth about structural problems, you can get an impartial opinion from a home inspector, the local branch of the National Association of Home Builders, or even your local building department.

How to protect yourself: Before signing the contract, make sure it includes a procedure for change orders, which are mini-contracts containing a work description and a fixed price, for anything that gets added to the job in progress. The extra work, whether it's related to unforeseen building issues or homeowner whims, can proceed only after the change order is signed by both homeowner and contractor.

Scam 5: I've got extra materials I can sell you cheap

This hoax is usually run by driveway paving companies, whose materials--hot-top asphalt and concrete--can't be returned to the supplier. So the crew pulls up to your house with a load of leftover product and quotes a great price to resurface your driveway on the spot. Even assuming they really are giving you a bargain (by no means a sure thing), taking them up on the offer is risky. You have no idea who they are or whether they'll do the job right. And if the driveway starts cracking next year, you can be sure that you won't be able to find this bunch again.

How to protect yourself: Never hire a contractor on the spot, whether it's a driveway paver, an emergency repairman who shows up after a major storm, or a landscaper with surplus plantings. Take your time to check contractors out to make sure they have a good reputation and do quality work.

All of these situations can be difficult to resolve once you're a victim. But a little up-front effort now can keep you from throwing good money after bad later on.
_____________________________________________
A former carpenter and newspaper reporter, Oliver Marks has been writing about home improvements for 16 years. He's currently restoring his second fixer-upper with a mix of big hired projects and small do-it-himself jobs.
Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®

Open house at northeast Visalia home

2010-10-23T07:30:00.000-07:00

Listed at $159,900

Join me Sunday, Oct. 24, for an open house at 2714 E. Parker Court in Visalia. Doors will be open from noon to 3 p.m. at this beautiful home with an open floor plan in northeast Visalia.

The home features a vaulted living room and owner's suite. The owner has replaced the gas range, microwave, and dishwasher with stainless look appliances. There is new carpet, paint, and commode. New lighting and ceiling fans were added in 2005.

The large kitchen has a breakfast bar and corner window. The fireplace has a mantel.

There is a spacious laundry area. The owner's suite has a large window overhead, walk-in closet, and dual sinks.

The garage has a workshop area at the rear, plus a separate shop/storage building in the backyard. Also in the backyard is a sparkling swimming pool. There is a two-year roof certification and a home warranty!

Stop by or call me today at (559) 625-9364.

Second homes

2010-10-18T08:00:00.000-07:00

Despite economic challenges over the past year, consumers continue to invest in second home properties.

Via Flickr: Vijay Gunda

Many Americans purchase second homes either as vacation retreats or investment properties. According to the National Association of Realtors® 2010 Investment and Vacation Home Buyers Survey, vacation-home sales rose 7.9 percent to 553,000 last year, up from 513,000 in 2008.

Prices also rose. The median price of a vacation home was $169,000 in 2009, compared with $150,000 in 2008. From my experience I find second home purchases are typically influenced by lifestyle or financial considerations.

Consumers appreciate the value of home ownership – so much that many of them own second homes, either as vacation retreats or investment properties.

According to the NAR, there are about 7.9 million vacation homes and 41.1 million investment properties in the U.S. compared with 75.0 million owner-occupied homes. Vacation homes are in every state, with the most popular locations by the water or in the mountains. Vacation-home owners prefer close proximity to areas they spend recreational time or to natural attractions.

Half of vacation homes purchased last year were in the South, 21 percent in the West, 17 percent in the Midwest and 12 percent in the Northeast.

Statistics show that the typical vacation-home buyer in 2009 was 46 years old, earned a median household income of $87,500 and purchased a property that was a median of 348 miles from his or her primary home; about one-third of vacation homes purchased were within 100 miles of the primary residence.

Investment homes sales accounted for 17 percent of the overall market in 2009, down from 21 percent in 2008. The median investment home sold for $105,000 in 2009, which is 2.8 percent below 2008. Most investors purchased a home that was fairly close to their primary residence – about 24 miles.

So, it appears that the long-term demand for second homes looks good.

Demand for second homes will likely increase over the next decade. About 40.1 million people in the U.S. are ages 50-59, which are some of the prime years for buying a second home. If you’re thinking about buying a vacation home, get to know the area if you’re not familiar with it, and give me a call so that I can provide valuable insight into the local marketplace.

Unique Visalia home has it all

2010-10-09T09:00:00.000-07:00

3030 W. Iris Ave. in Visalia, listed at $544,200

Call Darlene Loose for an appointment today! (559) 625-9364

As the seasons change, keep up with lawn care

2010-10-04T08:00:00.000-07:00

Regular lawn maintenance gives your home maximum curb appeal and preserves the value of your property.

Via Flickr: Gregs Landscaping

A healthy, well-maintained lawn is more than just good-looking-it's a key to preserving the value of your home. Regular lawn maintenance enhances curb appeal, making your home-and neighborhood-attractive to passersby and potential buyers.

According to Su Chi Straka-Phillis, a residential real estate appraiser with Central Appraisal Services of Parma, Ohio, a well-kept lawn preserves a home's value.

Put off routine maintenance, and you risk devaluing your home. In fact, an unkempt lawn can be a warning sign to buyers of other potential home maintenance issues, explains Cecilia Sherrard, a real estate agent in Rocky River, Ohio. "The outside of the home is the first thing people see, and if it's not properly maintained, many will not be interested in scheduling a showing to see the inside."

Know your grass type
There are two main types of lawn grass: cool-season and warm-season. Homeowners living in the Northeast, Midwest, and Northwest should grow cool-season grasses. As depicted on the Plant Heat-Zone Map (http://www.ahs.org/publications/heat_zone_map.htm) provided by the American Horticultural Society, the regions for cool-season grasses are approximately zones 1 through 7.

Cool-season grasses do most of their growing in spring and fall, often going dormant in the summer. Cool-season grasses include tall fescue, Kentucky bluegrass, and perennial ryegrass.

Those living in the Southeast and Southwest (zones 8 through 12) will generally have warm-season grasses. Warm-season grasses thrive from late spring to early fall and go dormant in the winter. Varieties include bermudagrass, zoysiagrass, and St. Augustine grass.

If you're unsure which zone applies to you, check your state extension service (http://www.csrees.usda.gov/Extension/).

Mowing
Grass type: All
Maintenance schedule: Spring to fall

"The taller the grass, the deeper the roots, the fewer the weeds, and the more moisture the soil holds between watering," explains Richard Hentschel of the University of Illinois Extension (http://web.extension.illinois.edu/state/index.html). Hentschel recommends the mower blade height be permanently set to 3 inches.

In prime growing season (spring and fall for cool-season; summer for warm), homeowners should mow frequently enough so they're removing no more than one-third of the grass blade. If possible, resist the urge to mow the grass when wet, as the practice can spread diseases that affect lawns.

Mower blades should be sharpened monthly to ensure clean, sharp cuts. A dull blade tears the grass, leaving jagged edges that discolor the lawn and invite pathogens. Consider spending about $20 for a backup blade so that a sharp one is always on hand.

Watering
Grass type: All
Maintenance schedule: Spring to fall

Deep and infrequent watering is better for lawns than frequent sprinkles, which promote shallow root growth, says Hentschel. In general, lawns need about one inch of water per week to maintain green color and active growth.

Lawns that receive less than that will likely go into dormancy. To stay alive, dormant lawns should still receive at least 1 inch of water per month.

To check the output of a sprinkler, scatter some pie tins around the yard to see how much water collects in a specific length of time. Having a rain gauge ($5 to $20) will help you keep track of how much water the lawn receives naturally. Allowing a cool-season lawn to go dormant in the summer can save hundreds of gallons of water, depending on the size of your lawn.

Feeding
Grass type: Cool-season
Maintenance schedule: Early fall

Grass type: Warm-season
Maintenance schedule: Late spring

"It used to be common to fertilize a lawn three or four times per year," says Hentschel. "Now we suggest just once a year when it will do the most good." For cool-season grasses, that time is early fall, so the grass enters winter dormancy in a much healthier state.

For warm-season grasses, the best time to fertilize is late spring, just as the grass begins its most active growth. For best results, closely follow the application directions on the product. Cost is around $50 to $75 per application.

People interested in organic fertilizers have never had an easier time finding them at local garden centers. Homeowners who mow regularly with mulching mowers are encouraged to leave the clippings on the ground, where they'll decompose and recycle nutrients into the soil.

Weed-control herbicide application
Grass type: Cool-season
Maintenance schedule: Fall

Grass type: Warm-season
Maintenance schedule: Late winter

Homeowners should embrace the idea that an occasional weed is OK, says Hentschel. For minor weed invasions, removal by hand of the entire plant and roots is recommended. When the situation becomes impossible to contain by hand, it might be necessary to apply an herbicide.

For cool-season grasses, the best time to apply a weed killer is in fall, when both old and new weeds can be eliminated before winter. Warm-season grasses often benefit from a late-winter application of a pre-emergent herbicide to prevent weeds from growing.

In place of weed and feed products, which are spread over the entire lawn, Hentschel prefers liquid-based herbicides that are applied only where needed. It's imperative to read and follow all directions on herbicide labels. Cost is around $15 to $45 per application.

Grub control
Grass type: Cool-season
Maintenance schedule: Early summer

Grass type: Warm-season
Maintenance schedule: Late summer

Grub worms, the larval stage of June, Japanese, and other beetles, feed on the tender root systems of lawns. Affected lawns exhibit browning and wilting patches.

To be certain that the culprits are grubs, Hentschel suggests that homeowners pull back the sod and look for white, C-shaped grubs. If they're present at a rate exceeding 10 per square foot, they should be treated with a chemical pesticide.

Milky spore is an environmentally friendly way to control some species of grubs. When using insecticides, read and follow all label directions and water the product into the soil immediately. Cost is around $50 to $75 per application.

Patching
Grass type: Cool-season
Maintenance schedule: Early fall

Grass type: Warm-season
Maintenance schedule: Early summer

The best time to patch bare or thin spots in a lawn is at the start of the grass's most favorable growing period. For cool-season grasses that means waiting until the hot, dry days of summer have given way to cooler fall temps.

Warm-season grasses thrive in summer, so it's best to sow seeds at the start of that season. Hentschel says to buy only high quality disease-resistant seed with good germination rates, which by law have to be listed on the label. Cost is anywhere from $20 to $75, depending on the size of the areas to be patched.

Cleanup
Grass type: All
Maintenance schedule: Spring to fall

Although small particles of grass are fine to leave on the lawn, large piles that exit a side-discharge mower should be removed. Fallen leaves, twigs, and debris should be raked up regularly. In climates where it snows, it's best to remove fall leaves before winter. A thick layer of wet leaves can smother a lawn if not immediately removed in early spring.

_____________________________________
Douglas Trattner has covered home maintenance and improvement topics for HGTV.com, DIYNetworks, and the Cleveland Plain Dealer. During the 10-year stewardship of his 1925 Colonial, he's upgraded the furnace, added insulation, replaced most appliances, and mowed his lawn every time but once.

Reprinted from HouseLogic with permission from the National Association of Realtors.

Thinking of making an offer on a short sale? What you need to know

2010-09-27T08:00:00.000-07:00

Are you looking to buy a new home? Are you thinking that now's a great time to find bargains? That's true, but it pays to know a little about the seller's situation before you make an offer.

If a home is being sold for below what the current seller owes on the property—and the seller does not have other funds to make up the difference at closing—the sale is considered a short sale. Many more home owners are finding themselves in this situation due to a number of factors, including job losses, aggressive borrowing against their home in the days of easy credit, and declining home values in a slower real estate market.

A short sale is different from a foreclosure, which is when the seller's lender has taken title of the home and is selling it directly. Homeowners often try to accomplish a short sale in order to avoid foreclosure. But a short sale holds many potential pitfalls for buyers. Know the risks before you pursue a short-sale purchase.

You're a good candidate for a short-sale purchase if:

You're very patient. Even after you come to agreement with the seller to buy a short-sale property, the seller’s lender (or lenders, if there is more than one mortgage) has to approve the sale before you can close. When there is only one mortgage, short-sale experts say lender approval typically takes about two months. If there is more than one mortgage with different lenders, it can take four months or longer for the lenders to approve the sale.

Your financing is in order. Lenders like cash offers. But even if you can’t pay all cash for a short-sale property, it’s important to show you are well qualified and your financing is set. If you're pre-approved, have a large down payment, and can close at any time, your offer will be viewed more favorably than that of a buyer whose financing is less secure.

You don’t have any contingencies. If you have a home to sell before you can close on the purchase of the short-sale property—or you need to be in your new home by a certain time—a short sale may not be for you. Lenders like no-contingency offers and flexible closing terms.

If you're serious about purchasing a short-sale property, it's important for you to have expert assistance. Here are some people you want to work with:

Experienced real estate attorney. Only about two out of five short sales are approved by lenders. But a good real estate attorney who's knowledgeable about the short-sale process will increase your chances getting an approved contract. Also, if you want any provisions or very specialized language written into the purchase contract, a real estate attorney is essential throughout the negotiation.

A qualified real estate professional.* You may have a close friend or relative in real estate, but if that person doesn’t know anything about short sales, working with him or her may hurt your chances of a successful closing. Interview a few practitioners and ask them how many buyers they've represented in a short sale and, of those, how many have successfully closed. A qualified real estate professional will be able to show you short-sale homes, help negotiate the purchase when you find the property you want to buy, and smooth communications with the lender. (All MLSs permit, and some now require, special notations to indicate that a listing is a short sale. There also are certain phrases you can watch for, such as “lender approval required.”)

Title officer. It’s a good idea to have a title officer do an initial title search on a short-sale property to see all the liens attached to the property. If there are multiple lien holders (e.g., second or third mortgage or lines of credit, real estate tax lien, mechanic’s lien, homeowners association lien, etc.), it's much tougher to get that short sale contract to the closing table. Any of the lien holders could put a kink in the process even after you’ve waited for months for lender approval. If you don’t know a title officer, your real estate attorney or real estate professional should be able to recommend a few.

Some of the other risks faced by buyers of short-sale properties include:

Potential for rejection. Lenders want to minimize their losses as much as possible. If you make an offer tremendously lower than the fair market value of the home, chances are that your offer will be rejected and you’ll have wasted months. Or the lender could make a counteroffer, which will lengthen the process.

Bad terms. Even when a lender approves a short sale, it could require that the sellers sign a promissory note to repay the deficient amount of the loan, which may not be acceptable to some financially desperate sellers. In that case, the sellers may refuse to go through with the short sale. Lenders also can change any of the terms of the contract that you’ve already negotiated, which may not be agreeable to you.

No repairs or repair credits. You will most likely be asked to take the property “as is.” Lenders are already taking a loss on the property and may not agree to requests for repair credits.

The risks of a short sale are considerable. But if you have the time, patience, and iron will to see it through, a short sale can be a win-win for you and the sellers.
___________________________________________
* Not all real estate practitioners are REALTORS®. A REALTOR® is a member of the NATIONAL ASSOCIATION OF REALTORS® and is bound by NAR’s strict code of ethics.

Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws vary from state to state. For advice on a specific matter, consult your attorney or CPA. Copyright National Association of REALTORS®. Reprinted with permission.

Amazing $76,000 price reduction!

2010-09-15T19:44:00.000-07:00

Truly, this is one of the most custom homes you'll find in Tulare County.

This 3,150-square-foot home features a very open great room with archways that lead to a formal dining room, as well as a music and game room, and kitchen. Wide hallways lead you to the three bedrooms and three baths.

The foyer has 14-foot ceilings and a great room with crown molding.

In the library there are cherry wood bookcases and French doors leading to a covered patio.

This home is listed at $599,000. Call Darlene Loose today for an appointment! (559) 625-9364

The kitchen is spectacular with a chef's center island offering vegetable sink, wine refrigerator, and a chop block. There are cherry cabinets, a Viking gas range, a Bosch dishwasher, microwave and stainless sink. It also includes a spacious walk-in pantry and a butler's pantry.

In the owner's suite you will see a walk-in shower, jetted tub, and a walk-in closet. There are more French doors leading to the patio.

Make use of a spacious bedroom/office with its own access to the yard off of the kitchen and mud room.

Also a man's dream: a 28'x 40' shop with bathroom & RV shade barn with full hookups.

This home also features lots of extras, including: a central vacuum system, five Solar Tubes, six exterior walls, a whole house fan, it's plumbed for water softener, surround sound, over-head sprinklers & more.

Also, a third bedroom and bath could be used as a mother-in-law set up.

Two great deals get even better

2010-09-14T10:24:00.000-07:00

Call Darlene today to view these two homes. Dial her direct at (559) 625-9364.

Reduced to $159,900

Here's proof that there are good deals on the market today. Here are two homes that not only have much to offer new owners, but that have been reduced in price to boot.

Parker Court in northeast Visalia

The home features a vaulted living room and owner's suite. The owner has replaced the gas range, microwave, and dishwasher with stainless look appliances. There is new carpet, paint, and commode. New lighting and ceiling fans were added in 2005.

The large kitchen has a breakfast bar and corner window. The fireplace has a mantel. There is a spacious laundry area. The owner's suite has a large window overhead, walk-in closet, and dual sinks.

The garage has a workshop area at the rear, plus a separate shop/storage building in the backyard. Also in the backyard is a sparkling swimming pool.

Four Creeks in northeast Visalia

Reduced to $109,000

Take a look at this updated property that is well maintained and mostly re-built in 1990.

The bathroom cabinets are original. There are triple closets with new tile and shower in the owner's suite.

There is a built-in wine refrigerator in the dining room hutch and a barbeque at end of a 32-foot tiled patio and spa off the owner's suite.

Enjoy nice landscaping all around. This home is a dream to show. Seller will pay $500 for New Roof Certification. Call today!

Nine tips for the perfect kitchen remodel

2010-09-13T08:00:00.000-07:00

(ARA) - For many Americans, remodeling their kitchens tops the list of home improvement projects - and for several good reasons. Not only is the kitchen the heart of many homes - the center of family activity and home entertaining - but remodeling your kitchen is typically one of the smartest investments, often generating a payback of 80 to 90 percent on the cost of remodel at the time of resale.

With thoughtful planning, remodeling your kitchen is within the capability of many homeowners who want to attempt a do-it-yourself project. But, because the kitchen is so central to most homes, is interconnected with other spaces such as the family and dining rooms, and because there is a fair amount of water (sink, dishwasher, garbage disposal) involved, a kitchen remodel project has the potential of going horribly wrong.

Here are nine tips from The Tile Shop (www.tileshop.com), one of the nation's largest tile retailers for do-it-yourselfers and kitchen remodeling professionals, on how to create the kitchen of your dreams:

1. Consider how you really use your space. The first step in planning your kitchen remodel is deciding what you want your kitchen to do for you, and how it reflects the way you live. Do you want an intimate place for drinking coffee and reading your daily newspaper, a large spacious kitchen that's perfect for entertaining, or a space that's ideal for family projects and homework?

2. Get ideas. Start your planning with a visit to a premium tile or cabinet store that offers displays that show the latest in kitchen design, including the use of floor, wall and countertop materials such as tiles, stone, and granite. Read home improvement magazines, check out kitchen remodeling books from the library, visit friends who have remodeled their kitchens recently and check out model homes to see the latest in kitchen design from today's home builders.

3. Make a plan. Consolidate your ideas and create a remodeling plan and a budget. If you're going to remodel it yourself, don't be afraid to seek out information on the latest in remodeling standards. For example, The Tile Shop offers how-to videos on its website, www.tileshop.com, and offers hands-on seminars at its stores. One simple rule of thumb though, no matter how much you budget for, add 20 percent to cover the unexpected costs that come up once you get into your project.

4. Bring it up to code. Check your town or city's website to review or download building code requirements related to kitchens - in particular codes for plumbing, electrical and windows. Even if you're doing it yourself, you may need to pull a permit from your local town or city and obtain an inspection(s) for some elements of your project, such as electrical work.

5. Include popular features. Include popular features in your kitchen remodeling project to help at resale time, and to give your kitchen a more contemporary look and feel. Second sinks, custom cabinetry, a second oven or microwave, an island, decorative glass and stone tile, more storage space, better lighting and extra-wide wall tiles are among the most popular features in today's homes.

6. Respect the "kitchen work triangle". The No. 1 complaint about most kitchens is that they're difficult to work in. The kitchen work triangle is that imaginary line between the center of the refrigerator, the center of the cooktop and the center of sink. For maximum efficiency, the total distance of the lines that make up this triangle should be no more than 26 feet.

7. Keep it elegant. Focus on using materials and fixtures that exude quality, warmth, and timelessness. To create an elegant, more spacious look, consider marble or granite countertops, stainless steel appliances, adding more windows, mixing tile textures, sizes, colors, types (natural stone, ceramic, porcelain, glass), and embracing neutral colors and whites.

8. Reduce clutter. Everyone likes a spacious, clean kitchen. For many kitchens, the greatest challenge to achieving more space is cutting the clutter and hiding items that you don't want to see such as stacks of mail, overflowing junk drawers and cabinets bulging with unused pots and pans. To achieve a less cluttered look, keep the refrigerator door clean, avoid placing appliances too close together and creating tight spaces that are difficult to clean. Use large wall tiles to eliminate grout lines. And add storage to free up valuable counter-top space.

9. Green is in and here to stay. When remodeling your kitchen, consider using fixtures that save water, replace old windows with new energy-efficient windows, and consider installing counter tops, wall tiles and flooring made from recycled materials, such as recycled glass mosaic tile or natural stone products, which act as a natural insulator. Finally, don't forget to use the opportunity of remodeling to make space to recycle paper, cans, bottles and food scraps.

For more kitchen remodeling tips, visit www.tileshop.com. Courtesy of ARAcontent

Park-like beauty in northwest Visalia

2010-09-10T15:58:00.000-07:00

Listed at $194,500

Take a look at this charming cul-de-sac home in northwest Visalia.

Enjoy shady, mature landscaping with a park-like backyard on a lot that backs up to a creek.

There's plenty of room for entertaining in this 1,774-square-foot home that includes a living room, dining room, and a vaulted family room with wall of windows overlooking the lush backyard.

The home features laminate wood flooring.

The kitchen includes a chef's island, along with a newer dishwasher, microwave, and pantry.

The owner's suite has a sliding glass door to the patio and features a walk-in closet. The second and third bedrooms have mirrored closet doors.

The home has a three-car garage. Call Darlene today to view this beautiful home. Dial her direct at (559) 625-9364.

Owning a home beats renting 5 ways

2010-09-06T19:20:00.000-07:00

Don't let the housing market fool you. Talk of foreclosures, short sales, and previously slumping home values shouldn't discourage you from moving out of your rental into a home of your own.

Home owning beats renting in a myriad of ways, especially if you are financially ready. Home prices have come down to more affordable levels. Mortgage interest rates are at historically low levels. And a number of new federal laws and regulations will help ensure you step into your new home on sure footing.

Plus consider these timeless benefits:

No landlord, just you. Having a home of your own means doing things your own way. It gives you a sense of stability, and your own space.
Paying your mortgage is like putting money in the bank. Yes, every payment includes interest that goes to the bank, but the principal portion of the payment is another piece of your home that is yours to keep. On top of that, your home is likely to grow in value, so that ownership of your home is a real investment.
No surprises. With a fixed-rate mortgage you know what you will be paying for the life of the loan. As a renter, you never know when your rent may rise.
Closer to good schools.
Closer to family-friendly amenities. In a home, you are likely to be closer to parks and other community features that will appeal to you.

Now is a perfect time to look for a home if you are wanting to get out of the rent-as-you-go lifestyle. It's time to own something that's truly yours.

Price reduced: Parker Court in Visalia $164,900

2010-08-27T22:11:00.000-07:00

Listed at $164,900

This beautiful home with an open floor plan is near excellent schools in northeast Visalia.

The home features a vaulted living room and owner's suite. The owner has replaced the gas range, microwave, and dishwasher with stainless look appliances. There is new carpet, paint, and commode. New lighting and ceiling fans were added in 2005.

The large kitchen has a breakfast bar and corner window. The fireplace has a mantel.

There is a spacious laundry area. The owner's suite has a large window overhead, walk-in closet, and dual sinks.

The garage has a workshop area at the rear, plus a separate shop/storage building in the backyard. Also in the backyard is a sparkling swimming pool.

La Vida home on the market

2010-08-25T22:42:00.000-07:00

Listed at $185,000

Park-like living on a cul de sac
    Enjoy a comfortable home with serene surroundings in this southwest Visalia home. With 3 bedrooms and two baths in 1,779-square-feet of living space, you have all that you need in this decked out home.
   There are newer features throughout this home: heating and cooling, gunite and tile in the pool, exterior paint, dishwasher, microwave oven, 5-burner gas range, garage door opener, and water heater have all been updated in recent years.
   The kitchen opens to the dining room. The spacious great room has a sliding glass door to the pool and trek deck with railing. Most light fixtures are newer.
   See more details for this home at a custom website just for this listing HERE.

Good fences

2010-08-23T08:30:00.000-07:00

A mural can add beauty to your fence and landscape

You have heard it said that good fences make good neighbors. Well, in addition to that good fences also add to your home's curb appeal.

In fact, bad fences - weathered, broken, leaning - also take a lot away from the look of your home as well.

We don't often think of our fences until it's time to do something about them. Most of the year they just help frame our yard. Most likely you share your fence with one or more neighbors, so you can't make radical changes without consulting a number of other homeowners.

Still, there's plenty you can do to dress up the part of the fence that's yours.

Repair
Step one for fence maintenance is repairing any broken wood, especially fence posts that have rotted in the ground. Leaning fences leave a poor impression of your home.

Fixing a fence post is inexpensive and easy to do in one day. Your local home improvement store will have all the supplies you need, as well as advice on doing it right. Make sure you purchase the same used throughout your fence line.

Paint and stain
Some fences are painted. Some fences are stained. Most are left untouched from the day they were constructed. If you have a painted or stained fence, put a fresh coat on the wood and any sealant that will help it last through the wet season. If sprinklers wet your fence boards on a regular basis, adjust them away from the wood.

If you want to dress up your untreated fence, buy samples of paints and stains that appeal to you and try them out on an inconspicuous portion of the fence.

Vines and shrubbery
We often plant vines and shrubbery to hide or soften portions of our environment. Over the years, fences can become overgrown with plant life. Trim away the overgrowth and make sure portions of the fence can be seen.

Well maintained landscaping and fencing work well together and give your home a more inviting look.

A trellis can add style to your fence

Dress it up
There are many ways to dress up your fence. Some people pay muralists to paint beautiful designs and scenery that complements the backyard. Other people install trellises, lamp stands, and other decorative hardware on or along their fence to incorporate it into the overall look of the backyard and home.

Mortgage insurance premiums increase soon

2010-08-17T15:07:00.000-07:00

If you plan on buying a home with a Federal Housing Administration-backed loan (FHA), time is running out for you to close the deal before the monthly mortgage insurance premiums go up in October.

What this means to future borrowers is that on a $100,000 30-year mortgage with a 3.5 percent down payment your monthly FHA mortgage insurance premium will be about $70 instead of today's rate of $42.

The reason for the change is that the number of FHA-backed mortgages has jumped dramatically in recent years - and so have the defaults. The insurance pool covering the loses struggled, so Congress authorized the cap increase on the mortgage insurance premium. FHA mortgages are popular, in part, because of the lower down payment requirement.

While the monthly mortgage insurance premium has increased, Congress also lowered the up-front premium payment when you initially take the loan.

So, with mortgage insurance premiums going both up and down, how do you decide when to buy? It depends on how long you think you will be in the home.

If you plan to be in the home for more than four years, which most people do, then it makes sense to buy before the October mortgage insurance increase. Even though the up-front premium is higher, the lower long-term monthly payment will actually save you money after four years.

If you wait to buy a home after the new mortgage insurance premiums go into effect, you will save money in the short run. But after four years the savings you saw from the lower one-time premium will be eroded by the higher monthly premiums.

Is refinancing right for you?

2010-08-09T08:00:00.000-07:00

Earlier this summer mortgage rates hit their lowest level since the 1950s: 4.69 percent. And they remain at historically low levels.
There are good deals to be had, and for those of you already in a home at a higher interest rate, such a rate could mean a lower mortgage payment each month.

But is refinancing always a good idea? It depends. You have to weigh your personal situation carefully.

Refinancing your mortgage will save you money in the long run, but it will cost you money up front. Refinancing a mortgage will cost thousands of dollars. You must pay the mortgage broker or lender, plus the title company, appraisal costs, and fees to cover document processing, among other expenses.

You often read about “no fee” refinancing in which the upfront fees are not charged to you directly. They are instead tacked on to the new mortgage, or folded into the interest rate, making it slightly higher.

Is this a bad thing? No, it’s just a matter of your deciding what makes the most financial sense for you.
For instance, refinancing your home may save you $100 a month off the mortgage payment. But if the lender charges you $5,000 to refinance the mortgage, it will take more than four years before you break even on the refi cost and begin to see the “true” savings from the renegotiated debt.

So, if you plan to move in a short period of time refinancing your debt won’t actually benefit you.

If refinancing is something you have done with your home in the past, expect to see some changes in the process and options available this time around. Ever since the subprime mortgage fiasco and new regulations implemented by the federal government, refinancing requirements have changed.

Riskier loans have been eliminated. And expect your underwriters to take an even closer look at your finances in the application process.

What to buy - the pro and con list

2010-08-02T08:00:00.000-07:00

Buying a home is a big decision and shouldn't be taken lightly. Beyond talking with people whose opinion you value, it's also a good idea to look at buying a home from every angle possible. Should you buy in the country or city? Do you need to be near schools, medical centers, or shopping? What about traffic near your home?

Sorting out all the variables to determine what's most important to you can seem a bit overwhelming. Consider making a list of pros and cons for your choices and rank them as you like to see which homes currently on the market best fit your needs.

Here's some categories and things to consider as a way to get you started (by no means is this a comprehensive list):

Suburbs vs. Country
Pros: Usually newer home, can be less expensive.
Cons: Longer drive to work, shopping or entertainment.

Cul de Sac
Pros: Very little traffic and a number one choice of families with children.
Cons: Less privacy, neighbors know more about you.

Corner lot
Pros: Larger lot size and fewer neighbors.
Cons: More traffic and higher visibility.

Single-family home
Pros: More privacy, quieter, opportunity for landscaping and garden.
Cons: More maintenance.

Condos and town homes
Pros: Lower maintenance, lends itself to an on-the-go lifestyle.
Cons: Less privacy, noisier, common walls, ceilings and balconies.

Two story home
Pros: More living space on the same foundation. Much easier to separate activity in the home, which may be helpful with children.
Cons: Making multiple trips up and down the stairs each day. Keeping young children away from the stairs.

Single story home
Pros: Easier for the elderly and those with medical conditions. Easier to clean and navigate.
Cons: Noisier and less living space relative to the lot size.

Some other things you will want to consider are your proximity to schools for young children. You will need to consider utility service to the home, not only power, gas, water and sewer, but also telephone, cable, and Internet.

By writing down your priorities and determining the pros and cons of the things most important to you in a home, you will find it easier to narrow down your search for the perfect home.

Four ways a Realtor helps you

2010-07-26T13:09:00.000-07:00

Unless you are a Realtor, you probably don't follow the real estate market very closely. Most people lose interest in following the intricacies of the housing market once they have successfully bought or sold their home.

As a Realtor, my livelihood depends on my knowledge of the housing market, relationships with key professionals in finance, home inspection, title insurance, and others. It's paying attention to the little details and maintaining good working relationships with other professionals that makes working with a Realtor a real value. You could end up spending tens of thousands of dollars more when you go it alone and aren't aware of vital factors in your transaction.

With that in mind, here are four major reasons you should consider using a certified Realtor the next time you sell a property:

1) A Realtor will know how and where to advertise the sale of your property.

2) A Realtor has the power to market your home to other agents, who have buyers looking for homes at the moment.

3) A Realtor will help you negotiate the sale of your home using relevant and up-to-date data.

4) A Realtor will help seal the deal on your home with a successful closing. Issues are bound to come up during escrow, and a Realtor will know the resources needed to get a quick resolution.

All Estates Realtors: All Estates announces top agents for June 2010

2010-07-23T14:06:00.000-07:00

Thanks to all my GREAT clients!

All Estates Realtors: All Estates announces top agents for June 2010: "June turned out to be a good month for 10 All Estates agents. Paulette Kaestner was the top sales agent for the month, and Maria Helm beca..."

Better credit = better buying power

2010-07-19T08:00:00.000-07:00

Unless you have the cash to buy a home outright, you will be relying on your credit to obtain a loan for the purchase. For most of us our good credit is something closely guarded. We want it to reflect our sense of responsibility to pay the debts we owe.

Yet, even when we are diligent black marks can appear on our credit, through no fault of our own. Identity theft, date entry errors and other problems can create negative marks on a credit report which can downgrade your score. If you are in the market for a home you will need to clear up inaccuracies quickly.

Here are four steps you can take to manage the accuracy of your credit report and leverage your best buying power.

1) Get a free copy of your credit report from all three reporting bureaus. Go to www.annualcreditreport.com to request your free copy. Under federal law, you can receive a free copy of your credit report every 12 months.

Go through each report thoroughly and verify each item is correct, including the amount owed, your payment history, any reports of late payments and other details. If you find an inaccuracy and wish to dispute it, go here for a sample letter and the appropriate steps to take.

2) Pay your bills on time. This is the best way to ensure a good credit report and subsequent score. If you tend to be slow in making payments or are forgetful, sign up for an automatic bill pay service through your bank where payments can be made automatically each month.

3) Understand how your score is determined - and what affects it. In the lending industry, most institutions look at your FICO score. FICO stands for Fair Isaac Company, which developed and calculates the credit model.

Some factors that affect your score are: paying bills on time, how much debt you have, what types of debt you have, how long is your credit history, and have you applied for credit recently.

Although you can get your credit report once a year for free, your FICO score is a proprietary product, so in most cases you will have to pay the credit bureaus to see it.

4) Learn the legal means of improving your credit score - and avoid scams. There are lots of companies that advertise promises of cleaning up negative credit "100% guaranteed." Most of them want a fee, and they want it up front.

There are many low cost and no cost ways of cleaning up your credit report, some of which we have already mentioned above.

Identity theft is on the rise in our society. Taking steps to monitor your credit and protect your financial identity is one thing you simply cannot leave to chance.

All Estates Realtors --- (800) 625-1885: All Estates chips in for charity

2010-07-14T15:47:00.000-07:00

Our company is helping out with a worthy cause. Take a look:

All Estates Realtors --- (800) 625-1885: All Estates chips in for charity: "As the saying goes 'Charity starts at home.' And there is no charity more worthy than one that helps children faced with devastating health ..."

Clutter turns buyers away

2010-07-11T10:10:00.000-07:00

Messes are inevitable. Any homeowner knows that sometimes it's hard to stay on top of keeping things clean and orderly. Holidays, tough work weeks, visitors, home improvement projects - all of it contributes to the difficulty in keeping a tidy home.

But when your home is on the market, the clutter can be a deterrent to potential buyers. In my experience there are four areas you need to concentrate on to keep your home ready to show:

The kitchen
Start the clean up process in the kitchen, which may be the most important room to consider.

Two things stand out in a kitchen: work space and storage space.

Counters should be cleared of everything, except possibly a toaster, knife block and fruit basket. Organize your cabinets by consolidating food items and arranging cooking utensils.

Likewise, drawers should be organized and uncluttered. Buyers want to see storage space but they can't if your cabinets and drawers are filled to capacity.

Check under your sink as well. Remove extra cleaning supplies.

The closet
Too many people use closets to hide their clutter, especially when company is coming. Well, now even the closets need to be cleared out.

Remove the seasonal items and place in storage elsewhere. If the time has come for a yard sale or trip to Goodwill, then do that as well.

Furniture
If you entertain frequently or have a large family, you probably have the furniture to accommodate larger groups of people. Too much furniture in a room makes it feel cramped and small. Store it elsewhere until your home sells.

The storage area
Resist the temptation to free up space in the home by overfilling your garage, attic, or storage shed with items from the house. Your storage spaces need to look roomy too.

It is helpful to keep in mind that your ultimate objective is to move to a new home, so the work you put in to organizing and declutter your house will not only help you sell, but it may well make packing easier.

Be a smart home seller in 3 easy steps

2010-07-05T08:00:00.000-07:00

There is a lot of advice given on being a smart home buyer. Not as much is said about being a smart home seller. In my experience, the best deals are made between a smart buyer and a smart seller.

Smart sellers are the homeowners who know what buyers are looking for and do their best to market the home in a way that attracts qualified buyers that appreciate dealing with a savvy seller. So what does it take to be a smart home seller? I have broken it down into three easy steps.

Be serious
Smart selling means being prepared to put the home's best foot forward. The house is clean and orderly, inside and out. Broken or damaged items are repaired and maintained to their best working condition.

Rooms are clean and organized. The home is ready to be shown and feature its best attributes. Keeping a show-ready home demonstrates respect to potential buyers, who may otherwise feel their time was wasted on a disorderly house. Buyers can tell when a homeowner is just testing the real estate market waters and isn't serious about marketing the home.

Be realistic
Your home is valuable to you. But the only value a buyer is interested in is the fair market value. Be realistic in pricing the sale of your home.

Avoid emphasizing the cost of home improvements in the sale price. Be as objective as possible and try to look at your home as a buyer.

Set the cost at a level that will encourage interest among buyers. Time is not on your side. Studies show that homes that remain on the market longer tend to sell for less than the asking price. Your Realtor will be invaluable here in helping you determine the best price.

Be flexible
We all lead busy lives. And maintaining a show-ready home is no easy task. However, you need to be as flexible as possible when it comes to making the house available to potential buyers.

Open houses are easy enough to accommodate in your routine because they are scheduled in advance. It's the last minute showing on a Wednesday evening that can be problematic. Be patient and have a strategy for those last minute calls.

Keeping these three principles in mind will help you become the smart seller you need to be to sell your home for the price you want.

6 tips on buying a country home

2010-06-28T08:00:00.000-07:00

Some of us just can't imagine living within easy listening range of our neighbors. Whether it's a conversation from a backyard barbecue or sounds of the 6 o'clock news through an open window, we need open spaces and plenty of distance between our home and a neighbor.

If a home with acreage is on your wish list, there are plenty of options here in Tulare County. I can help you find homes on the valley floor and in the nearby foothills. You'll even see some in my listings.

As you shop for that perfect country home that offers solitude and a break from city living, there are at least six things you need to keep in mind when considering a home.

Zoning
Check with local officials about zoning ordinances in the area, not only for your parcel but also for land near you.

You will want to know ahead of time if there are restrictions on the property, especially for adding structures, like a shop, barn, or other out building. You will also want to know how other parcels are zoned, just in case you don't want a new shopping center, school, or other entity as a neighbor in the near future.

Smells and activities
Acquaint yourself with the area, and perhaps even people, to learn about life in that location. This is an important factor in the Central Valley where agriculture plays a large economic role. There are smells and activities that happen throughout the year depending on the crops or livestock. Allergies and dust sensitivity can be a large factor in your quality of life if you don't know ahead of time how the land is used.

Environmental conditions
Natural hazards are also a factor to keep in mind. Is the area prone to flooding in the rainy season? What is the water quality, and what is the depth to groundwater if you are on a well? Is the area prone to grass fires, wild land fires, or other hazards? Be sure to ask questions about the property.

Terrain
For those of you looking for property in the foothills, it's important to look carefully at the terrain. How secure is the foundation? Is the area likely to experience a rock or mud slide? Inspection reports should help point out any deficiencies.

Easements
Not all parcels enjoy street access. Sometimes you have to drive over someone else's property to get to your own. Make sure easements are recorded to maintain your access. It's also necessary in some circumstances to have easements for utilities and other needs.

Services
Utilities and other household services are readily accessible to city dwellers but not so for those who live the country. Water, power, septic, propane, cable/satellite television, telephone -- there is a long list of services you will need to check.

By answering the right questions you can enjoy the comfort and peace of country living and not miss most of the conveniences of the city.

If it sounds to good to be true...

2010-06-21T08:00:00.000-07:00

There are a lot of homeowners right now who are having trouble hanging on to their house. As a result, there are also a lot of unscrupulous organizations trying to make a quick buck out of another person's desperation.

Con artists take all shapes and sizes; and they seem to adapt quickly to the economic times. With the downturn of the housing market and numbers of homeowners facing foreclosure, financial vultures are circling the market posing as mortgage rescue firms who offer hope in a hopeless situation.

If you find yourself needing help with your mortgage, there are at least five tips to keep in mind to avoid being scammed.

1) Use only non-profit, HUD-approved counselors to sort out your options in avoiding a foreclosure. You can find a counselor by visiting www.hud.gov, or calling them direct at (877) 483-1515.

2) Most HUD-approved counselors provide their services at no cost - and they never ask for an up-front fee totalling hundreds or even thousands of dollars.

3) There are no guarantees. A counselor cannot guarantee to save your house from foreclosure. Be wary of anyone who makes such a promise.

4) Read everything - carefully. Know what you are signing and why you are signing it. Don't sign blank pages or pages with large open spaces. And make sure it's your signature. Don't let a counselor fill out forms for you.

5) Trust your instincts. If it sounds too good to be true, it probably is. Don't be afraid to seek a second opinion from someone you trust. If you feel that you are the victim of fraud, you can report it to the Federal Trade Commission at www.ftc.gov.

Got Insurance? Follow it up with a good home inventory

2010-06-14T08:00:00.000-07:00

As homeowners we all have insurance to cover damages to our home from fire, theft, and sometimes flood and earthquakes. We insure the structure and the contents. But when it comes time to make a claim, evaluating the loss to the structure is a lot easier than tallying up the losses to the contents.

That's why it is important to complete an inventory of your possessions. It sounds tedious, but with the right tools and a plan, it can be a lot easier than you think.

Written inventory

If technology is not your thing, the simplest way of creating an inventory of your possessions is with a simple piece of paper and a pencil. Organize the list by rooms. Write down the name of a room, then list all of the contents you want to record for insurance purposes. Go room to room until you have completed the entire home. Don't forget the garage and storage sheds, patio furniture, etc.

Record brand, model names and serial numbers. Collect and save receipts with purchase dates and cost.

The process is time consuming, but a little time spent now will save headaches later if you ever have to file a claim.

Visual inventory
One of the quicker ways of making a home inventory is to use a video camera. As with the paper list, go room to room filming everything you want to record for the inventory. It's best to narrate out loud the description of the items you are recording. Also, include images of the brand and model names, as well as serial numbers. Keep in mind your insurance company will likely ask for a written list.

Uniquely valuable
If you have collectibles, expensive jewelry, or other unique valuable items, check with you insurance agent about sufficient coverage. Such items may need to be insured separately.

Storage
Your list and recorded information will do you no good if it is destroyed with the house or otherwise lost. Make multiple digital copies of your list and recordings, either on a CD, USB drive, or online storage service. Invest in a fireproof safe where you can store a copy of the list, as well as important legal and personal documents, for yourself and your loved ones. You can also store them in a safety deposit box.

With a little work now you will be well prepared for anything that may happen in the future.

Beautiful Visalia home with lots of extras

2010-06-12T18:13:00.000-07:00

This 2,547-square-foot home in southeast Visalia is truly a must-see for any serious home buyer.

The 3-bedroom, 2-bath home sits on an 11,000-square-foot lot with a beautiful, aggregate bottom pool with pop-up cleaning system and plumbed for solar heating.

The open floor plan features a formal dining room and a great room with 16-foot ceilings and lots of windows. French doors lead to the patio where outdoor ceiling fans will keep you cool.

The elegant owner's suite is an oasis with a soaking tub, walk-in closet and garden door to the patio.

The home is wired for surround sound. It also has a whole-house fan, security storm doors, solar screens, a gourmet kitchen with island and pantry.

The four-car extended garage features a drive-thru door leading to a concrete pad in the backyard, which means plenty of storage for large toys and recreational vehicles.

Call me today to see this beautiful property! Darlene (559) 625-9364.

Summertime curb appeal

2010-06-07T08:00:00.000-07:00

The last days of spring may be the very best time to showcase your home's curb appeal. With flowers blooming, trees producing new, shady foliage, and clear sunshine your home will look fresh and inviting to potential buyers.

Now that the rainy season is behind us and the heat is starting to climb, it's time to give your landscape some special attention.

To make sure you have a beautiful yard for summer there are a few projects you will want to consider.

Lawn
Your lawn was probably green even through the winter, but even as we move into summer it will need some attention. First off, if you haven't applied a fertilizer with nitrogen in a while, it's probably a good time to do so. Remove any weeds or dandelions you find. Don't "burn" your lawn by mowing your tall fescue too short.
Bugs
Keep aphids and other garden pests away from your new growth. If you see damaged leaves on roses, citrus, or fruit trees, it may be caused by aphids. Use a strong stream of water to wash away aphids, or use an insecticidal soap or oil. A natural technique to rid yourself of aphids is to release ladybugs. You can bait snails and slugs or remove them by hand.

Flowers and shrubs
Use organic matter, like compost, to spread across the planting surface. The compost helps in a few ways, such as adding nutrients to the soil, controlling temperature and moisture, as well as keeping down weeds. Tree trunks should be cleared of mulch by several inches.

Pruning
Now is the time to prune your evergreens and hedge plants. Fruit trees are best pruned in the winter during their dormant cycle, but they can be shaped now.

Water
Best to do your sprinkler and irrigation repair now, instead of in the scorching heat of summer. Make sure your plants are getting the appropriate amount of water. Be mindful of the plants you place in your flowerbeds. Avoid plants that are not head or drought tolerant, or that may need an excessive amount of water.

A beautiful landscape is well worth the effort and the curb appeal if gives your home.

5 tips for real estate investing

2010-05-29T09:15:00.000-07:00

Real estate is no different than any other kind of investment you may be considering to earn supplemental income. There are tremendous opportunities. There are also tremendous risks, especially for the uninformed.

Don’t buy into the late night, get-rich-quick schemes you see on television. When it’s your money on the line, you must be very careful. Smart investors go into any situation with a wealth of knowledge about what they are doing. They get their questions answered before a transaction is finalized. With those precautions in mind, investment properties can be very worthwhile.

What’s the difference between a speculator and an investor?
1) Generally speaking, speculators are looking for properties they expect to go up in value in a short amount of time. They want to own the property for a period of time, then sell when they think it has reached it’s peak value. Investors, on the other hand, are looking at the income the property will generate while they are the owners. They too can benefit from an increase in value to the property but they are not banking on that one factor alone.

Do properties always go up in value?2) Historically, yes. But as we have witnessed in the past few years there is never a guarantee, which is what makes speculation a riskier investment choice. As an investor, you should be looking for long term valuation gains, not the short term spikes.

I’ve never owned a home but I want to buy an investment property.
3) Obviously a homeowner has an advantage when it comes to buying investment property because they have the experience to guide them through the management of the property. Any homeowner will tell you that maintaining a property requires diligent attention. If you have never owned property before, you certainly can still buy an investment property, just make sure you have knowledgeable people to advise you.

Always get it in writing.
4) It goes without saying that you need to be able to document everything in a property transaction. That is especially true with an investment property. If you are buying a rental property you can’t just take the sellers word for it when it comes to the income. Ask to see a copy of their most recent Schedule E form that they submit to the IRS as part of their tax return. This document will spell out for you what their actual income from the property was and their losses.

Location, location, location
5) It’s one of the oldest adages in real estate. Where you buy can largely determine the future value of your property. But buying in to a more exclusive location may also mean that your capital costs are high, thus lowering your actual net income after expenses. Study your market closely. It may make more sense in some cases to buy in less desirable locations where prices are lower, costs are lower, and the potential for net income is higher.

There is more than one way to be a successful real estate investor. With good advice from experienced professionals and a certified Realtor, you can make good decisions throughout the process.

Common obstacles for first-time homebuyers

2010-05-29T08:58:00.000-07:00

Do you think there are just too many obstacles to buying your first home? Like any challenge in life, you have to make a plan to achieve your goals. Part of that plan will include overcoming any obstacles you may foresee.

Let's take a look at three of the most common challenges facing many home buyers:

Downpayment
1) Saving up your 20 percent down payment. Traditional mortgage loans require the borrower to put down 20 percent of the purchase price, leaving the lender to finance the remaining 80 percent. For example, on a $150,000 home, you would need to put down $30,000. That is a lot of money for many families.

This problem, however, is not without some solutions. Home buyers can tap into programs sometimes offered by their community, as well as state and federal agencies. In some cases, outright grants are available for those whose incomes qualify. In other cases, low-interest loans are made available. As your Realtor, I can direct you to what is available in this area.

And now is a great time to buy because home prices are down, and the State of California is offering a limited-time $10,000 tax credit for first-time homebuyers.

Credit
2) Improve your credit score to 580 or more. If you have a bad credit history, or maybe none at all, this is an obstacle but one you can overcome. You have to understand that this will take some time. Establishing credit or improving credit both require staying current with your payments, even paying off balances with each new month. By being diligent you should be able to attain a 580 credit score, which is the lower end of a fair rating.

Employment
3) It's best to maintain the same job for at least two years. Having a pattern of changing jobs every few months doesn't look good, so you will need to avoid that pattern. Changing jobs for the sake of a better paycheck is understandable, as long as you can show lenders you have a good work ethic. Be prepared to show at least two years of your most recent tax returns if you are self employed.

Do not let your work history become an obstacle to obtaining a home loan. Keep up a consistent employment track record. Consider staying with your current job, even if you are tempted to leave, until after you buy your home. Buying your first home may depend on your current work history, so do all that you can to raise your income and get promotions in your current position. The effort will be worth it. Later, you can change jobs and pursue other careers without affecting your mortgage.

While these are just some of the obstacles facing first-time homebuyers, by overcoming these three you will be well on your way to your first home.