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Test Your Ventura Home During Radon Action Month!

by The Blake Mashburn Group


Keep your family healthy and safe by testing your Ventura home during National Radon Action Month!

 

The California Department of Public Health's Indoor Radon Program provides even more information and resources (including a list of certified radon mitigation professionals) to help homeowners in our area. During the month of January, they are offering California residents FREE Radon Test Kits through Alpha Energy. Order yours today by calling 1 (800) 324-5928 (option 6) or online HERE.

 

Check out our Website  or follow us on Facebook for more great safety and improvement tips for home owners!

Helping You Close In 2019!

by The Blake Mashburn Group

You found your dream home and the seller accepted your offer! You are now in the home stretch to getting handed the keys to your new home. There are a few more final and essential steps that need to be made. Here is an easy guide to closing so that you are prepared in the last days of your home buying process!

 

#1 Square Away Contingencies

Make sure that any contingencies (i.e. home inspection, appraisal, and financing) are met before the final transaction. This allows you to walk away if any issues arise.

 

#2 Clear the Title

Your mortgage lender will check for anyone that claims title to the home and see if there are any liens attached to the property. Make sure to buy title insurance so that you can protect yourself from any legal claims as the ownership transfers to you.

 

#3 Get Approval of Your Final Mortgage

Even if you got pre-approved for the loan, your mortgage lender must now verify that you accurately represented yourself by going through the underwriting process. As long as you with truthful about your finances and made no large purchases during closing that will affect your credit score, you should make it through this step like a breeze.

 

#4 Check Your Closing Disclosure

Review your closing disclosure against the loan estimate you received when you first got pre-approval. Check out the mortgage payments, interest rate, loan terms, and closing costs to make sure that everything matches.

 

#5 Do One Last Walk-through

Do a final walk-through in the last 24 hours before closing. This allows you to make sure that the previous owner has truly moved out and that the home is in the condition that you agreed upon. Most sales contracts allow buyers to do a walk-through of the house before closing, within 24 hours. Make sure the previous owner has vacated unless you’ve allowed a rent-back arrangement.And double check that the home is in the condition agreed upon in the contract

 

Get your hands ready to sign a lot of paperwork, complete these 5 steps, and your dream Ventura home is yours!

 

For more helpful Buying tips, check out our Website and follow us on Facebook!

 

Ace the Open House With These Questions!

by The Blake Mashburn Group

As a buyer, open houses are an essential source of information. They allow you to get a closer look at homes you are interested in and see if they are truly a good fit for you and your family. Get the most out of this process by coming prepared and taking notes during the open house. Here are important questions to ask the listing agent in order for you to benefit the most from the open house!

 

  1. Has there been any offers? The listing agent cannot tell you what has been offered but they can let you know that offers exist. This information can help you decide on how quickly you need to move on this house.
  2. What is the seller's timeline? Knowing when the seller wants to move can help you determine your offer. If they need to move quickly, they are more likely open to negotiate a price below the listing. In addition, by finding out their ideal closing date, you can strengthen your offer by proposing a settlement date that fits their timeline.
  3. Is there any price flexibility? Although you might not get an answer to this question every time, you never know when you might get told "yes".
  4. How long has the house been listed? Although online listings provide this information, it can be helpful to ask the listing agent because they can provide more explanation as to why the home is still on the market.
  5. Any price changes? Similar to days on the market, asking the listing agent for explanations of pricing changes can provide more context.
  6. What recent repairs or renovations have been completed? Find out about higher priced items, such as appliances, HVAC systems, and the roof. It is helpful to know what has already been done to the home and what could be potential costs for you in the future.
  7. How much are average utilities? Utilities are an additional housing expense every month that you should consider when buying a home. Find out the average costs throughout the year in order to know whether or not it fits within your overall budget.

 

It is important to remember that as you ask these questions, you should always be courteous and friendly with the listing agent. If you end up loving the home, you could enter into negotiations with this person shortly. The open house allows you the opportunity to make a great first impression!



For more helpful Buying tips, check out our Website and follow us on Facebook!

Buy Today To Save!

by The Blake Mashburn Group

The interest rate you lock in when you secure your mortgage has a direct impact on the monthly payments you will be making. That means any increase in rates will increase the amount coming out of your wallet. Keep more money in your pocket by locking in a lower interest rate before the end of the year!

 

Interest rate predictions show that prospective home buyers should not delay! Check out data below which shows the actual rates from 2018 and the projected interest rate increases in 2019.

 

 

Along with these interest rate hikes, home prices are also expected to rise. According to the latest CoreLogic Home Price Index, home prices nationwide appreciated 6.2% over the course of the current year and are predicted to rise 5.1% between now and next year. If both of these housing predictions come true, home buyers will be paying significantly more every month. Why risk it? Save money and buy today!

 

If you are ready to lock in a lower interest rate, check out our current Homes for Sale in beautiful Ventura County! Give the Blake Mashburn Group a call today or visit our website at http://www.blakemashburn.com/.

5 Essential Steps to Getting a Mortgage

by The Blake Mashburn Group

Obtaining a mortgage is a process and one that is often more involved than many home buyers are expecting. Do not be surprised when you get a mortgage by being prepared for everything that is to come. Here are the 5 essential steps to getting a mortgage.

1. Pre-Approval

Getting pre-approval for a mortgage (meaning the lender is committed to giving you a loan up to a certain amount) can greatly increase your chances of the seller accepting your offer. It shows the seller that you are serious and can actually afford their home. In order to get pre-approved you will need to provide your lender with Pay Stubs, Federal Tax Returns, W-2 Forms, Statement of Assets, Residential History, and Proof of Funds.

2. Home Appraisal

Your lender will complete an appraisal of the home to determine its value. This step is necessary in order for them to check the home's value against the loan amount. As long as the home is appraised at or above what you offered, you are good to go. Unfortunately, this step in the process gets complicated if the home is appraised for less. A lender will not give you more money than what the home is valued at. If this happens, you can try to negotiate with the seller, appeal the appraisal, request a second appraisal, or (in many cases) walk away from this particular deal.

3. Maintain Credit Score

It is very important that you do not have any changes to your credit score while you go through the mortgage process. Your score gets checked at the beginning and very end and most stay consistent. Avoid jeopardizing the final approval of your loan by not opening new credit accounts, not closing old ones, and making all of your payments on time.

4. Closing Disclosure Review

When you first applied for your loan, you received a Loan Estimate (LE). Just before closing, you will receive the Closing Disclosure (CD). It is very important that you review the CD off of the LE to check for any errors. The CD outlines everything that you will pay in fees at settlement. Since errors can often occur in these documents be sure to carefully check your Name's Spelling, Loan Term, Loan Type, Interest Rate, Cash to Close, Closing Costs, Loan Amount, Total Monthly Payment, and Estimated Taxes and Insurance.

5. Underwriting

The final step is the underwriting process. This is when you lender verifies that all of the information you provided is true and accurate. The easiest (and only) way to get through this step smoothly is to be truthful in your application. Be sure to maintain your job status, credit score, and pay off your debts on time and this step will be a total breeze!

 

For more helpful Buying tips, check out our Website and follow us on Facebook!

Ventura County Heads Back to School!

by The Blake Mashburn Group

The first school bells of the year are about to start ringing throughout Ventura County! It's time to head back to school! The excellent public school districts in our area will all be returning to school at different dates over the next few weeks; to make sure you have your young scholars ready to go with their backpacks packed, here is a list of the first days of school for all local districts!

Santa Paula Unified School District | 201 South Steckel, Santa Paula

First Day of School: Wednesday, August 15th

2018 - 2019 District Calendar

 

Fillmore Unified School District | 627 Sespe Avenue, Fillmore

First Day of School: Thursday, August 16th

2018 - 2019 District Calendar

 

Oxnard School District | 1501 South A Street, Oxnard

First Day of School: Thursday, August 16th

2018 - 2019 District Calendar

 

Ojai Unified School District | 414 East Ojai Avenue, Ojai

First Day of School: Wednesday, August 22nd

2018 - 2019 District Calendar

 

Ventura Unified School District | 255 West Stanley Avenue, Ventura

First Day of School: Wednesday, August 22nd

2018 - 2019 District Calendar

 

Hueneme Elementary School District | 205 North Ventura Road, Port Hueneme

First Day of School: Tuesday, August 28th

2018 - 2019 District Calendar

 

Oxnard Union High School District | 309 South K Street, Oxnard

First Day of School: Tuesday, August 28th

2018 - 2019 District Calendar

 

Pleasant Valley School District | 600 Temple Avenue, Camarillo

First Day of School: Wednesday, August 29th

2018 - 2019 District Calendar

 


The Blake Mashburn Group wishes a successful and fun 2018 - 2019 school year to all students in Ventura County!!!

If you are interested in BUYING a home in one of these excellent school districts, give us a call today or visit our Website!   

Community amenities to evaluate when choosing a place to live

by The Blake Mashburn Group

A home purchase is a big decision that affects everyone.  Before you begin to look, figure out what amenities are most important to you and your family in the neighborhood of your choice?

  1. Schools- Whether or not you have children the schools in your neighborhood are of great importance.  Great schools add value to your home as well as a solid educational foundation for your children
  2. Conveniences- Are there a number of grocery store options close by?  Is your bank close? How about playgrounds for the kids?  Where are your doctors located? All these things play into the likeability of the location of your home.
  3. Dining and entertainment- While this may not be on the top of your list, your hobbies, dining preferences and entertainment options and the distance from your home will be important.
  4. What amenities does the home itself offer?  Big backyard, outdoor pool, extended patio or deck for outdoor living space?
  5. If it is a relatively new neighborhood, what was it built upon?  Some areas have been built over wetland and filled.  This could cause unsettling in your home resulting in cracked foundations and walls.

Before you begin your home search, partner with a real estate agent that is an expert in the area and has lived or worked there for a good number of years.  Their experience and knowledge could be a lifesaver for you and can save hours of viewings in areas that don’t meet your needs.

Need more information about our area?  Contact us today.  We’ll help you find the perfect home in the best neighborhood to suit all your needs.

Searching for your new home? Here are 7 things to ignore!

by The Blake Mashburn Group

You're pre-approved for your mortgage and are now beginning your home search.  Congratulations! Here are some 7 tips on things to ignore when viewing homes so you don't let the perfect home in the best location get away from you:

  1. Home Staging is done to highlight the best that a home has to offer. But you need to remember that it’s the homeowners and designers choices to utilize the pieces they’ve chosen.  Your ideas for a room might be totally different, so look past the design choices and envision your own furniture, colors and personal touches in the home instead!
  2. Carpeting!  Don't be turned off by a home that is filled with carpeting! Updating floors is an inexpensive update to a home you truly love.  Plus, many homes will have beautiful hardwood floors beneath the carpeting in that room. 
  3. Wallpaper.  This decorating gem has made a comeback over the past couple years, and in many cases, when done right, can really accentuate a room.  However, if the wallpaper isn’t your cup of tea, don’t sweat it!  A good steam and elbow grease will have this off in no time; giving you a blank canvas to create the atmosphere you’re looking for.
  4. Bright and bold paint colors.  Are you the type of individual who prefers a more neutral canvas for your walls?  It's a very easy change to make and refresh the home at the same time.  Keep in mind that paint colors are personal choices of any homeowner, not something that needs to stay in place once the home is purchased.
  5. Bathroom or Kitchen hardware and sink styles.  You walk into a home with your heart set on the new brass/black faucets and bowl sinks, but you find stainless steel and basins of yesteryear.  Again, this isn’t a big problem.  Swapping out faucet hardware and even upgrading your basins can be done very cost-effectively.
  6. Kitchen cabinet colors.  Individual opinions vary deeply when it comes to a dream kitchen.  If you’re looking at a home that has a great layout, island and lots of cabinets to suit your needs but they are in black and you’d like gray... not a big deal!  There are plenty of interior decorating services that can spray and paint your existing cabinets to the color you desire; without totally remodeling the entire kitchen.
  7. Landscape. Curb appeal is critical whether you’re buying or selling a home, but again, each person has their own tastes as to what looks beautiful.  If you’re seeing a yard that has lots of crazy bushes or too much maintenance, look at it as an opportunity to create your own backyard oasis.  Simply axing a home because the yard and garden isn’t to you liking can cost you a great home.

Better to concentrate on the home’s more important aspects;  How is the roof?  Electrical? HVAC? Foundation?  These are the non-negotiable parts of the home that need to be in great working order, or can cost you dearly.  Cosmetics are just the choice of the homeowner and can be tailored to your own likes and needs.

Displaying blog entries 1-8 of 8

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Contact Information

Photo of BLAKE MASHBURN Real Estate
BLAKE MASHBURN
Century 21 Everest
1190 S. Victoria Avenue, Suite #100
Ventura CA 93003
Office: 805-856-9350
Cell: 805-368-0202
Fax: 805-642-1424