This report specifically benefits our Single Women Home Buyers to provide insight into the demographics, financial profiles, home buying motivations & lending experiences of women who purchase homes on their own.
We’d be happy to walk through this report with you.
Let’s connect and plan your next steps and find out if we’re the right real estate team for you!
CA Real Estate Group | Caliber Real Estate Group
👩🏻 Christine Almarines @carealestategroup
Realtor DRE# 01412944 | 714-476-4637
Tagalog speaking
👩🏻 Anaid Bautista @wealthwithanaid
Realtor DRE# 02179675 | 949-391-8266
Spanish speaking
happyhiller.com | Mar 18, 2024
While it may be easy to track down smells coming from your garbage can or garbage disposal, other smells require a keener nose.
In order to help you find all of the bad smells in your home, here are some common smells and where you can find the source:
The smell of sulfur or rotten eggs is never a good sign. You either have some old eggs sitting around from a couple Easters ago, or you have a serious gas leak or electrical problem.
The two most common sources for rotten egg smell in the home are electrical components (inside of outlets for example) or a natural gas leak.
Natural gas manufacturers are required to add a chemical, called mercaptan, to their gas in order to make it easier to detect a leak. Without this additive, you wouldn’t be able to see, smell, or taste natural gas (much like carbon monoxide).
If you smell rotten eggs in the home, call the gas company to make sure you don’t have a gas leak.
If there is no gas leak in the home, you may have a problem with your electrical system. If you smell the rotten egg smell near an outlet, that’s probably where it is coming from. When the plastic components behind your outlet plate burn, it can smell like rotten eggs. This smell indicates that there is a dangerous arcing situation happening within the interior of your outlet that could cause a home fire.
We recommend turning off power at the circuit breaker to cut off electricity to the room with the smelling outlet.
One other possible cause of a rotten egg smell in your home is when you run the hot water. You may experience a rotten egg smell when the hot water is running due to an old anode rod.
Anode rods in hot water heaters should be replaced every 5 years or so. Replacing your anode rod will reduce corrosion in your water heater and may even be able to double its lifespan.
Call your local plumber to find out which kind of anode you should replace your old one with.
If you smell raw sewage in your home, you may have a dried out P-trap. The P-trap is the little curved section of piping that helps create a seal from the sewer gas that lurks behind it. The only problem is that the curved “P” section needs to be filled with water in order to create the necessary blockage.
If you haven’t used one or more of your sinks in a while the water that normally creates a seal in the “P” section has evaporated and dried out.
In order to prevent sewer gases from rising up through your pipes and into your home, it’s important to run water in all of your drains periodically. If you have a sink in your garage or another part of the home that rarely gets use, make sure you run the water in those sinks at least once a month to refresh the water in the P-trap.
If running water in your sinks doesn’t solve the problems, you may have a more serious plumbing problem. Speak with a professional plumber to discuss your options.
Something smells fishy… and it’s not fish. Well, likely not. If you smell fish with no fish in sight, you could have an overheating electrical component somewhere.
Sometimes, burning plastic, wiring, and other electrical components smell like rotten eggs or sulfur to some people. Other people notice a distinctive fishy smell. Whether you get a whiff of fish or rotten eggs, it’s important to investigate the situation. You may have a dangerous arcing situation behind one of your outlets or switches that can cause a house fire.
Again, if you can locate the electrical source of the smell and It seems to be coming from one of your outlets or switches, turn off power at the breaker box and call an electrician right away!
If you frequently pick up a stale smell in your home, it may be because of air leaks around the home. Recessed lights that are often connected to the attic are notoriously leaky. If you notice the stale air smell around any of your recessed lights, you will have to go into the attic to seal the air leak.
Read our Attic Insulation Guide for tips on sealing your recessed lights, flue, and other common leaky areas in your attic.
If you detect any of these odors in your home, make sure it isn’t a serious electrical or natural gas problem. Sulfur, “rotten egg” smells are a big warning sign. For help dealing with odors in your home, contact experts in plumbing, heating, cooling and/or electrical.
CA Real Estate Group works with trusted experts in all fields. Contact one of our agents for a referral anytime!
CA Real Estate Group | Caliber Real Estate Group
👩🏻 Christine Almarines @christine_almarines or @carealestategroup
Realtor DRE# 01412944 | 714-476-4637
Tagalog speaking
👩🏻 Anaid Bautista @wealthwithanaid
Realtor DRE# 02179675 | 949-391-8266
Spanish speaking
Daily beginning March 11, 2024: Mon-Fri at 9:30am, 11am, 1pm, & 2:30pm | Sat & Sun every 30 minutes between 9:30am and 2:30pm
Tanaka Farms is famous for their delicious, sweet, and juicy strawberries! Take a wagon ride around the farm. Learn about the farming methods and history of the farm from your friendly tour guide. You will see how fruits and vegetables grow! Make one stop to pick a seasonal vegetable*, and then the last stop on this tour is in the strawberry patch where you can pick and eat strawberries! Everyone will take home a one-pound basket of strawberries! After the tour, visit the Barnyard Educational Exhibit where you can meet and interact with their barnyard friends.
This tour lasts about one hour.
By NerdWallet | Jan 30, 2024
Debt-to-income ratio shows how your debt stacks up against your income. Lenders use DTI to assess your ability to repay a loan.
Debt-to-income ratio divides your total monthly debt payments by your gross monthly income, giving you a percentage. Here’s what to know about DTI and how to calculate it.
To manually calculate DTI, divide your total monthly debt payments by your monthly income before taxes and deductions are taken out. Multiply that number by 100 to get your DTI expressed as a percentage.
Here’s an example: A borrower with rent of $1,200, a car payment of $400, a minimum credit card payment of $200, and a gross monthly income of $6,000 has a debt-to-income ratio of 30%. In this example, $1,800 is the sum of all debt payments. When you divide $1,800 by $6,000 and then multiply that answer by 100, you get 30.
To get the most accurate DTI ratio, make sure to include all your debt payments and income sources.
Debt payments can include:
Don’t include other monthly expenses, such as:
Include all sources of income, such as:
Lenders look at debt-to-income ratios because research shows borrowers with high DTIs have more trouble making consistent payments.
Each lender sets its own DTI requirement, but not all creditors publish them. Generally, a personal loan can have a higher allowable maximum DTI than a mortgage.
You may find personal loan companies willing to lend money to consumers with debt-to-income ratios of 50% or more, and some exclude mortgage debt from the DTI calculation. That’s because one of the most common uses of personal loans is to consolidate credit card debt, which can help you pay off debt faster and lower your DTI.
Your debt-to-income ratio does not affect your credit scores; credit-reporting agencies may know your income, but they don’t include it in their calculations.
Credit utilization, or the amount of credit you’re using compared with your credit limits, does affect your credit scores. Credit reporting agencies know your available credit limits, both on individual loan accounts and in total. Most experts advise keeping the balances on your cards no higher than 30% of your credit limit, and lower is better.
DTI can help you determine how to handle your debt and whether you have too much debt.
Here’s a general breakdown:
Reduce your debt-to-income ratio to improve your chances of qualifying for future credit.
Keeping Current Matters | Feb 26, 2024
If you’re planning to buy your first home, saving up for all the costs involved can feel daunting, especially when it comes to the down payment. That might be because you’ve heard you need to save 20% of the home’s price to put down. Well, that isn’t necessarily the case.
Unless specified by your loan type or lender, it’s typically not required to put 20% down. That means you could be closer to your homebuying dream than you realize.
As The Mortgage Reports says:
“Although putting down 20% to avoid mortgage insurance is wise if affordable, it’s a myth that this is always necessary. In fact, most people opt for a much lower down payment.”
According to the National Association of Realtors (NAR), the median down payment hasn’t been over 20% since 2005. In fact, for all homebuyers today it’s only 15%. And it’s even lower for first-time homebuyers at just 8% (see graph below):
The big takeaway? You may not need to save as much as you originally thought.
According to Down Payment Resource, there are also over 2,000 homebuyer assistance programs in the U.S., and many of them are intended to help with down payments.
Plus, there are loan options that can help too. For example, FHA loans offer down payments as low as 3.5%, while VA and USDA loans have no down payment requirements for qualified applicants.
With so many resources available to help with your down payment, the best way to find what you qualify for is by consulting with your loan officer or broker. They know about local grants and loan programs that may help you out.
Don’t let the misconception that you have to have 20% saved up hold you back. If you’re ready to become a homeowner, lean on the professionals to find resources that can help you make your dreams a reality. If you put your plans on hold until you’ve saved up 20%, it may actually cost you in the long run. According to U.S. Bank:
“. . . there are plenty of reasons why it might not be possible. For some, waiting to save up 20% for a down payment may “cost” too much time. While you’re saving for your down payment and paying rent, the price of your future home may go up.”
Home prices are expected to keep appreciating over the next 5 years – meaning your future home will likely go up in price the longer you wait. If you’re able to use these resources to buy now, that future price growth will help you build equity, rather than cost you more.
Keep in mind that you don’t always need a 20% down payment to buy a home. If you’re looking to make a move this year, reach out to a trusted real estate professional to start the conversation about your homebuying goals.
A Florida man has become a TikTok star after amassing million of followers who watch his home repair videos.
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Keeping Current Matters | Feb 8, 2024
Are you on the fence about selling your house? While affordability is improving this year, it’s still tight. And that may be on your mind. But understanding your home equity could be the key to making your decision easier. An article from Bankrate explains:
“Home equity is the difference between your home’s value and the amount you still owe on your mortgage. It represents the paid-off portion of your home.
You’ll start off with a certain level of equity when you make your down payment to buy the home, then continue to build equity as you pay down your mortgage. You’ll also build equity over time as your home’s value increases.”
Think of equity as a simple math equation. It’s the value of your home now minus what you owe on your mortgage. And guess what? Recently, your equity has probably grown more than you think.
In the past few years, home prices skyrocketed, which means your home’s value – and your equity – likely shot up, too. So, you may have more equity than you realize.
If you’re thinking about moving, the equity you have in your home could be a big help. According to CoreLogic:
“. . . the average U.S. homeowner with a mortgage still has more than $300,000 in equity . . .”
Clearly, homeowners have a lot of equity right now. And the latest data from the Census and ATTOM shows over two-thirds of homeowners have either completely paid off their mortgages (shown in green in the chart below) or have at least 50% equity (shown in blue in the chart below):
After you sell your house, you can use your equity to help you buy your next home. Here’s how:
“You may want to pay cash for your home if you’re shopping in a competitive housing market, or if you’d like to save money on mortgage interest. It could help you close a deal and beat out other buyers.”
“Borrowers who put down more money typically receive better interest rates from lenders. This is due to the fact that a larger down payment lowers the lender’s risk because the borrower has more equity in the home from the beginning.”
To find out how much equity you have in your home, ask a real estate agent you trust for a Professional Equity Assessment Report (PEAR).
Planning a move? Your home equity can really help you out. Let’s connect to see how much equity you have and how it can help with your next home.
👩🏻 Christine Almarines @carealestategroup
Realtor DRE# 01412944 | 714-476-4637
Tagalog speaking
👩🏻 Anaid Bautista @singlemomrealtor
Realtor DRE# 02179675 | 949-391-8266
Spanish speaking
Choice Home Warranty | Jan 15, 2016
Valentine’s Day is a great day to show your appreciation for the one you love. Often, it’s through greeting cards, romantic dates, flowers, and gifts. But for some couples, the key to a loved one’s heart just might be in a few framed wedding photos around your home or a new fireplace for a cozy night. And better yet, your Valentine home improvement projects can be enjoyed for years rather than just a few moments or days. Start now on these home improvement projects to show you care for Valentine’s Day.
It seems that the best parties in the winter all revolve around football. Even if you don’t love sports, fear not. Throwing a Super Bowl party can be just as fun for the host as it is for sports fans. Stock up on tailgate snacks and slammin’ Super Bowl cocktails and let’s get going!
Football wouldn’t be a great American sport without a great American beverage. Before the party, snag a local beer from the cities of the teams competing or pick up one of our favorite cheap beer brands for your shindig. If they’re not into beer, pick a signature cocktail for each team based on their city, mascot or team colors. Mix up a pitcher of each drink ahead of time with a little splash of food coloring to match each team’s jerseys.
Cheesy dips are a staple of any legendary tailgate, and a Super Bowl party is no different. Look for a few creative recipes and choose one that is cheesy, one that is meaty, one that is spicy and one that is vegan to appease all the different taste preferences of your group. Look to these dip recipes for inspiration.
Keep the competition alive with adult party games, like team and city trivia or football bingo. If your guests are more into the ads than the game, this Super Bowl commercial bingo will be sure to bring on some fun. Bake some football-shaped cookies to hand out as prizes.
To be the envy of all your friends (and the star of their Instagram stories) build yourself a snack stadium. Fill a few cardboard boxes or aluminum pans with all your favorite snacks (including some of these healthy Super Bowl recipes, for a well-balanced selection). Make a field out of a frosted cake and place it in the center. Learn how to build a snack stadium with our step-by-step guide.
Make your guests feel like they’re watching the game from the sidelines with plenty of creative decorations. From AstroTurf coasters to football drink stirrers to a festive concession stand sign, decorating for your party can be just as fun as the party itself. Decorate one half of the living room with one team’s colors, and the other half of the living room with the other team’s colors. Your guests can choose where they want to sit and cheer on their favorite team.
The staple of any great sports viewing party is a tray of sticky, sweet and tangy chicken wings. Prepare a range of flavors from extra spicy to sweet and mild and have a few dipping sauces (like ranch or blue cheese dressing) on the side. Wings are the perfect finger food, but be sure to have plenty of cocktail napkins ready for these fall off the bone, finger-licking goods!
Throw a competition to see who has the most (and most creative) team spirit in the group. Have a face painting kit at the ready with some colorful streamers and spray on hair dye. Challenge your friends to create the craziest costumes and have a makeshift catwalk for them to show off their team spirit.
What better way to wash down all those wings and beers than with sweet and decadent Super Bowl desserts! Help ease the pain for the losing team with a crowd-pleasing classic like caramel brownies or ice cream and cookie pie. Even if their team lost the game, we bet your guests will leave with a full belly and happy heart.
To help your guests feel extra special, prepare swag bags as a parting gift. Fill your football treat bags with a few festive football cookies, candies, Gatorade, funny sweatshirt and a custom Super Bowl ’22 pint glass. They’ll be tickled you went the extra mile for them.
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