Pacific Home Brokers Blog

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(BPT) – Thinking of adding a deck? How about replacing the tired, worn siding on your house? Now that the weather is colder, it’s the perfect time to curl up with a hot beverage and start planning your 2019 home projects so you can nail the budget and settle on the look you’re after. Think “cool neutrals” for the color story When someone suggests a neutral

(BPT) – Few sights make homeowners more furious than an attractive landscape destroyed virtually overnight by hungry deer. Rose bushes and ornamentals? Nipped off every bud. Expensive shrubs? Browsed within an inch of their lives. Trees? Damaged, disfigured and sometimes dead. Deer – and their wilder relatives, moose and elk – usually leave a path of destruction in their wake, and even winter can’t calm the

(BPT) – When additive manufacturing technology – better known as 3D printing – was first invented more than 30 years ago it was intended to make the product design and manufacturing process more efficient. At that time, 3D printing was used primarily as a way to create prototypes to validate and perfect product design, but the inventor, Chuck Hull, had no idea how it would change

(BPT) – Creating an outdoor living space will give you an extra “room” to enjoy in all types of weather, even as the temperatures drop. You can start small with an inexpensive patio set and charcoal grill on a new deck, go all out with a fully installed kitchen, fireplace and living room, or something in between. It depends on your budget and how you plan

(BPT) – Winter will be here before you know it. The season has a way of sneaking up on you and before you realize you’re not ready, the first chilling breezes have already arrived. Begin with winterizing your home now to ensure you’re prepared for the season. Apply the following tips and your home will be winter ready in no time. * Prime your plumbing. If

(BPT) – Buying a home is an exciting process, but for many people it can also seem out of reach. While many renters would like to buy, there are several factors that may lead potential homebuyers to believe they may not be ready. These include credit score requirements, income and debt levels, and the common myth that a 20 percent down payment is needed. Here is

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(BPT) – Changing residences can call for the coordination of a lot of details. It is especially true if you’re a do-it-yourselfer who’s renting a truck rather than hiring a moving company. Though the U.S. Census Bureau estimates the average American changes homes 11.4 times in his lifetime, many of us never take time to think about the potential safety hazards involved. Usually we’re way more

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A home’s curb appeal leaves a powerful first impression. Yet, according to the recent poll conducted by Ply Gem Building Products, only half of homeowners say their home’s exterior reflects their personality. This is an especially surprising statistic since 81 percent of Americans say the exterior of a home shapes their view of the homeowner. With countless material options and accents like shutters and trim, there

Tired Of Renting?

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(BPT) – It’s easy to appreciate the sights and smells afforded by lawns and landscapes, but when it comes to your yard there is much more to consider besides pleasing aesthetics and aromas. Many would even be surprised to learn that the benefits of a lush lawn and stunning landscape design extend well beyond a yard’s perimeter. That’s right, well-managed landscapes offer tremendous benefits for the

Click here to contact a Pacific Home Broker’s Agent or Loan Officer to learn more.

Click here to contact a Pacific Home Broker’s Agent or Loan Officer to learn more.

(BPT) – Home improvement projects are popular this time of year and you’ve certainly tackled your share of DIY to-dos in the past. But not this year. This year you realize it’s time to go big, to go bold, to set aside those traditional home improvement projects for another year and do something even bigger. Yes, this year, it’s time to renovate. Whether your plans include

(BPT) – Are summer’s sizzling temperatures causing you to retreat from your favorite outdoor spaces? Garages, patios, sheds, gardens and other outdoor areas should be enjoyed throughout the year. Unfortunately, heat and humidity can quickly make being outside intolerable during the dog days of summer. The good news is keeping outdoor spaces comfortable doesn’t have to be a challenge. With the right tools and some thoughtful

(BPT) – If you’re like many people, the warm months of summer are when you are most active outdoors. You’re not alone. The same is also true for fleas, ticks and mosquitoes. New findings show these pests are more than just an annoyance, they can pose a health risk. According to the Centers for Disease Control and Prevention, illnesses caused by these pests are on the

(BPT) – Whether it’s a baby or pet, a new addition to the family calls for new, unexpected responsibilities, and is bound to come with adjustments for every member of the family. While it would be silly to guarantee zero stress for the new family environment, below are tips for a transition with more playtime and fewer headaches to help you get started. Here’s what

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(BPT) – Once reserved for the urban elite, rooftop decks are popping up all over the country as an attractive option that offers a mixture of space savings and an unrivaled view. Rooftop decks take what was formerly unused space – the top of a building or the flat roof over part of a home – and reclaim it for a unique entertaining area or family

(BPT) – The backyard barbecue is a staple of the American summer. Long days filled with sun, fun, family and friends are what make lifelong memories. Now is the perfect time to start planning for your next barbecue, so you, too, can create memories you won’t soon forget. However, before you fire up the grill, you will want to ensure your backyard is prepped and ready

(BPT) – It’s National Wildfire Awareness Week. So, if you live in a wildfire-prone area, make sure you’re taking the right steps to stave off potential damage long before flames rage toward your doorstep. And one of the best ways to do that is to take a look at the home itself. “It’s a combination of the house materials, the house design and then everything around

(BPT) – The backyard. It’s your oasis. Your happy place. Your second living room. It’s the place to go not only for “me” time – but quality time with friends and family. This National Barbecue Month, the Hearth, Patio & Barbecue Association wants to help you make your backyard the best backyard it can be. Think sheds. No, not your grandparents’ tattered shed filled with a

(BPT) – The value of homeowners insurance is often thrust into the national spotlight when natural disasters happen. The devastation and financial loss they can cause reinforces the importance of making sure you have adequate insurance coverage to rebuild if disaster strikes your home. In 2017 alone, the U.S. was struck by 16 separate billion-dollar disaster events, resulting in a record-breaking $300 billion in damage, according

(BPT) – The real estate market is heating up, and if you’re planning to sell your home in the future, you want it to sell quickly and for as high of a price as possible. By taking proactive action now, you can make a few strategic home improvements that can help you achieve both your goals. To boost your home sale and reduce time on the

Please click here to contact a Pacific Loan Brokers loan officer to learn more.

(BPT) – With spring having officially begun, many eager homeowners and landscape professionals across the country will roll up their sleeves and reach for their shovels to start projects that require digging this season. During the transition into “digging season,” Common Ground Alliance (CGA), the organization dedicated to protecting underground utility lines, people who dig near them, and their communities, reminds homeowners and professional diggers

( BPT) – Spring is officially here, bringing flowers, greenery and increased pest activity. Because termite evidence is more noticeable in warmer months, it is important to check for any warning signs every spring. Fortunately, there are a few things you can do to reduce the likelihood of a termite infestation in the first place. Keep shrubs trimmed Well-maintained shrubbery looks nice, but it also serves an

  Pacific Home Broker’s agents can help you find your dream home. With a little luck and our experience, we can guide you through the process of home ownership. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – With spring officially arriving, home improvement season is swinging into full gear. Fair warning to homeowners looking to hire a professional, 2018 is predicted to be a record-breaker. A recent study by the Joint Center for Housing Studies of Harvard University projects home improvement spending will approach $340 billion this year – the strongest gain for remodeling in more than a decade. Among

(BPT) – House hunting can feel like an adventurous new chapter in your life. If you’re lucky enough to find the property that checks off all the must have boxes such as  appearance, size, price, and location, it’s easy to fall in love. Not so fast. Before making an offer on any property, it’s smart to take a deeper look at the overall structure and its

Pacific Home Brokers’ agents understand that a happy home life is paramount to true success. Our experienced agents will help guide you to the home you desire so you can create a happy home. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – Outdoor living spaces rank first among special function rooms desired by consumers, according to the American Institute for Architects, and so homeowners are expected to be going all-in for the outdoors in 2018. Year-round enjoyment Among the biggest trends is a shift away from seasonality as consumers adopt more of a year-round mindset, no longer restricting outdoor living to spring and summer. Thanks to

Home appreciation can offset paying more monthly to buy a home. In many cases your rental payment is the same cost as a monthly mortgage payment. Buying a home while rates are this low is a sound decision. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – The artificial intelligence that’s already taking the world by storm is ramping up even more in 2018, enabling a number of innovative new smart home tools that can make your life easier, more comfortable or just more fun. Throughout the year, consumers worldwide are expected to spend $102 billion on hardware, services and installation related to smart home systems, an amount expected to

Happy New Year!

Please click here to contact a Pacific Home Brokers™ to learn more.

Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – As winter approaches, many cities in the U.S. have already started to experience the winter chill with temperatures below freezing and snow fall. But cold weather isn’t exclusively a northern phenomenon as the majority of the country experiences extreme temperatures at some point during the winter months. Remember in January 2014 when all 50 states logged below-freezing temperatures on the same day? Cold weather

(BPT) – As temperatures drop, you and your family will be spending more time living indoors working, playing, relaxing and staying warm. More time indoors means it’s more important to keep your home fresh by staying ahead of the continual buildup of dirt, dust and allergens. Plus, taking a few simple steps to prepare your home for winter weather will ensure your home is comfortable and

Rents Are Rising

Rates are still at an all time low and rents are continuing to rise. Now is a great time to buy a home and have a payment that will stay fixed as rents rise. Please click here to contact a Pacific Home Brokers™ agent to learn more.

This holiday, we at Pacific Home Brokers would like to express our gratitude and wish you a very Happy Thanksgiving!

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  We will provide the lowest available rate when it comes time to lock your loan. We have many lenders and many loan programs. This enables Pacific Home Brokers to provide the best possible rates and ensure you are capable of financing your home. Please click here to contact a Pacific Home Brokers™ agent to learn more.

We Salute You!

Pacific Home Brokers is veteran owned! We specialize in working with veterans and VA loans. We can help you build wealth through real estate. Even if you will be deployed, it is best to buy a home and rent the home to build your portfolio and retirement. If you have a permanent duty station, you should also take advantage of your zero down VA benefit and

(BPT) – Before the first flurries fly, it’s important to take some winterization steps to ensure your home is ready for whatever the season brings. This five-point checklist will help safeguard your home against winter’s woes for another year. For additional winterization ideas and detailed project plans, visit Real Cedar.com. Inspect windows Inspect each window from the outside to see if any gaps or cracks

Six Home Tax Facts

Always consult a tax professional before you sell your home so you know the tax consequences. We will work in conjunction with your tax advisor to help you optimize your return from the sale of your home. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – Doing the laundry is no longer relegated to dark, musty basements where no one cares to go. Thanks to modern technology, great design and access to innovative ideas online, laundry rooms have moved upstairs and come into their own. In fact, laundry rooms today are right up there with dream kitchens and dream bathrooms – and the more style, function and “wow factor,” the

Along with performing your final walk through to ensure the home is in satisfactory condition, you will need to make sure the escrow company has all the items it needs to close after you sign your closing documents. Your Pacific Home Brokers agent will ensure you are ready for closing and answer all your questions. Please click here to contact a Pacific Home Brokers™ agent

(BPT) – By now it is something of a cliche to call homeownership the American dream. But even if sitting on your own deck, looking over your picket fence and sipping lemonade doesn’t move you, homeownership is still one of the best ways to build wealth. For many, owning a home is cheaper than renting and, in the long run, the biggest investment they will

The best thing to do when pricing your home is to analyze the market and price your home to sell quickly. Overpricing your home may prevent buyers from looking at your home. By pricing your home correctly, competition from buyers may drive their offers up into the high range you were anticipating for your home and even over your asking price. Please click here to

(BPT) – While newly constructed homes are bigger than ever, most Americans still live in modestly sized or even small houses – and many of these owners are choosing to remodel rather than move into a bigger home. More than half of all American houses were built before 1980, according to the National Association of Home Builders. At that time, the average new home size

  Rates are at an all time low and home prices are going up. Now is a great time to take advantage of the low rates and build equity in your home.  There are 1% down loan programs available and if you think you have bad credit, you would be surprised at the programs available with great rates for those with low credit scores. Please

(BPT) – You may have chosen the perfect color palette and all of your nursery furniture, but have you thought about some key safety checks? Maintain crib safety According to the Centers for Disease Control and Prevention, two-thirds of children’s deaths under the age of one are caused by suffocation. Make sure that, when prepping the nursery, the crib meets safety standards, and avoid loose

As a seller, we realize you want to maximize your profits from the sale of your home. Pricing your home correctly can save you money. We ensure your home is priced correctly so you can sell quickly and for the highest market price. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – Sooner or later, every homeowner will face the same tough decision: Can you repair that malfunctioning system or appliance one more time, or is it finally time to replace it? Summer temperatures can heat up the repair-or-replace debate for homeowners living with an older cooling system. To arrive at an answer, you must weigh numerous factors, including which option is more cost-effective over both

By making additional principal payments you can lower the amount of interest you pay and decrease the time it takes to pay off your mortgage. Please click here to contact a Pacific Home Brokers™ agent to learn more.

Take the time to calculate a compassion between renting versus buying. If it makes financial sense to buy now you, should take advantage of the market and leverage loan financing to obtain a home and build equity. Please click here to contact a Pacific Home Brokers™ agent to learn more.

If you are looking to maximize your sales price of your home, now is the time to sell. Once interest rates start to climb prices will start to go down due to the borrower being able to afford less home. Please click here to contact a Pacific Home Brokers™ agent to learn more.

When rates are low, you should use the leverage to buy now and build equity. Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – Times have changed. It’s no longer enough to protect your physical home, it’s also vital you stay safe from cyber crimes. It has become increasingly easier for criminals to gain access to financial accounts, email and even hack internet-connected devices in the home. The good news is that there are a handful of steps you can take to help defend your home from cyber

We have loan products that reward your clients who are teachers and staff that serve in California’s public schools. This product is for anyone that works for the California Public School Districts. Down payment assistance – $7,500 for non-high cost areas – $15,000 for high cost areas – Deferred payments – Mortgage Credit Certificate Program (MCC) – federal income tax credit that may lower your taxes

(BPT) – Anyone who’s ever bought or sold a home knows how even little things can sway a buyer to feel a particular house is “just right.” While major features such as a good location, a big kitchen, and a certain number of bedrooms and bathrooms all drive a home’s price and how attractive it is to buyers, small details like fresh paint and new faucets

Your VA benefit allows you to purchase a home with a zero down payment. As all of you know, investing in real estate can be a beneficial way to save for retirement and earn additional income. Prepare yourself for your long term financial health and know your VA benefits. Securing a primary residence will benefit you in the long run by creating an instrument with equity

(BPT) – When it comes to selling a home there are many different strategies and most of them focus on the home’s interior. However, what many sellers fail to realize is that it’s the exterior of the home that often makes or breaks a sale. Curb appeal is necessary for that vital first impression. Much of a buyer’s opinion about a property is formed before

(BPT) – It’s a long-standing tradition performed at the workbench of American garages, passing garage logic to the next generation. From hammering that first nail to changing a car’s oil, the garage is a living laboratory where parents teach their kids life lessons, self-reliance and problem-solving skills. It can even be an incubator where the seeds of a future profession grow. Today, instilling that larger

(BPT) – Spring is a time of renewal and home improvement. More and more, homeowners are looking for maximum practicality and durability from everything in their home. They won’t, however, sacrifice style and aesthetic to achieve it. Fortunately, home products continue to advance, be it waterproof technologies or scuff-proof surface finishes, all while maintaining the on-trend style and beautiful details design-savvy homeowners seek. Form and

(BPT) – What would you rather do: Pay your utility bill or take a much-deserved vacation? With an endless stream of bills each month, you might wonder where you can find the money to jet off to the beach or mountain resort of your dreams. Read on for the solution. The average U.S. household spends more than $2,200 yearly on energy bills, with about half

(BPT) – At its core, the desire to create a home with curb appeal is a desire to make a home uniquely one’s own. After all, no matter how beautiful they are, rows of homes that look the same inherently fail to capture attention. Using personal touches, people want friends and family to know which home is theirs. Among the dozens of affordable ways you

You put down 1% and the lender contributes 2%, giving 3% equity at closing!  

Please click here to contact a Pacific Home Brokers™ agent to learn more.

(BPT) – The trend toward outdoor living spaces that mimic the look, comfort, convenience and functionality of indoor spaces doesn’t have to stop at the backyard grilling station. A growing number of homeowners are exploring new additions to their outdoor spaces, including outdoor showers and powder rooms, and even garage entertaining areas anchored by sinks and wetbars! While traditional plumbing techniques might once have limited

(BPT) – Come tax time, many people work to locate tax breaks. While this is always a smart financial move, a little-known way to help build your net worth is to keep taxes top of mind throughout the entire year. Invest your tax refund: One smart place to invest your tax refund is in an IRA. Normally, investors might divert a portion of the refund

(BPT) – For most of us, the idea of spring cleaning probably sounds refreshing after a winter of bundling up against the cold. Now that spring has arrived, it’s finally time to get started! Sprucing up your home doesn’t have to take lots of time, and is a great way to leave you feeling reinvigorated after a long winter. To help you spring into warm weather

(BPT) – You found the perfect home, so it’s not surprising that you want to move in as quickly as possible. However, there are some projects that are best done when the house is still empty. So, consider completing the following seven items before the moving trucks arrive. * Painting. A fresh coat of paint can instantly update a room, and it’s common to buy

(BPT) – Real estate experts agree: dirt and clutter are the anti-staging elements that can send buyers running for the door before they ever think of making an offer. Prior to staging your home, invest some time in deep cleaning it, paying attention to everything from the front walk to the garbage disposal to the air inside your home. Once you’ve created a clean foundation,

(BPT) – American homeowners’ desire for spa-like bathrooms shows no signs of waning, says the latest Design Trends report by the National Kitchen and Bath Association (NKBA). From freestanding bath tubs and floating vanities to LED lighting and soothing color schemes, some of the most-requested bathroom renovations focus on creating the atmosphere of luxury and calm found in world-class spas. With the average mid- to

(BPT) – We know the old saying: when it rains, it pours… and when it pours, it floods. With winter snow storms coming to an end, the threat of flooding increases as the snow begins to melt and the rivers and creeks begin to swell. It’s easy to forget about how powerfully destructive water can be. In fact, nine out of 10 natural disasters include

(BPT) – Renovation season is approaching. Do you know what home improvements will give you the best return for your money? Here’s a hint: step outside. You might assume upgrades to interior spaces like kitchens and bathrooms have the best payoff, but most home improvements don’t return 100 percent of their value at the time of resale. Those that yield the best return on investment

(BPT) – A house with ample windows can win your heart with silent promises of sun-drenched rooms and warm breezes wafting through open windows. The truth, however, is that even a home with windows galore can have rooms that feel dark and cave like. Some of the most-loved aspects of modern design – open, expansive floor plans, wood flooring in darker tones, walls of windows

(BPT) – Never underestimate the power of a powder room to make your home more livable and increase its resale value. Having more and nicer bathrooms consistently scores high in surveys on homeowners’ wish lists. What’s more, extra baths deliver more than just convenience; a National Association of Realtors study found each extra bathroom boosts home sale prices approximately 24 percent. With more Americans living

(BPT) – Fresh paint on the walls, professional staging and an asking price that ends in 999 – when you’re selling your home, you’ll do whatever you can to help it stand out and sell faster. Because the National Association of Realtors is predicting modest growth for the 2017 real estate market, as a seller you want every edge you can get. And on the

(BPT) – Investing in a bathroom upgrade is in the cards for nearly a quarter of homeowners planning to renovate within the next 12 months, according to a new survey. Improving a bathroom is rewarding on multiple levels; if you’re selling, buyers love great bathrooms. If you’re staying, a luxurious bathroom can be a relaxing oasis where you’ll be happy to begin or end a

(BPT) – Buying a new home tops your list of New Year’s resolutions. As you picture the big moment, the one where you pull up to your dream home in your moving truck, sprint up and unlock your front door, you probably understand there’s something you need to do first. You need to get your finances in shape. Just like those who make resolutions to run

(BPT) – With winter comes the holiday season, a time that’s supposed to be associated with “comfort and joy.” But how joyful will it be if pests invade your house, or if your home is cold and drafty? Help stay warm all winter long by addressing factors like air leaks from gaps and cracks that can make your home feel uncomfortable. “Drafts and heat loss

Home decor: The hottest colors of 2017 (BPT) – From furniture to walls, new homes to remodels, cool grays have dominated home design palettes for the last five years. Look to 2017 to gently shake things up with a focus on fresh neutrals that bring warm and cool tones together to create versatile color with timeless appeal. One of the most notable trends of the

(BPT) – Whether you’re shopping for a new traditional, manufactured or modular home or just attempting a renovation project, it’s important to consider the functionality of key spaces like kitchens and living rooms. These most-frequented rooms will host meals, family gatherings, movie nights, homework sessions and holiday celebrations, so they need to include features that facilitate all these uses and more. If the layout of

During this month of Thanksgiving, We have been reflecting on the things we are most grateful for this year. Primary among them is our talented group of agents and our clients. Thank you for the work you do to make our agency great. You help us provide valued services to our clients. Without your commitment, creativity, and high standards, we would not be the thriving

(BPT) – A holiday party is a wonderful way to celebrate the season with friends and family. However, no matter how big or small the guest list, hosting the event can turn stressful fast. Before you know it, your holiday gathering has become more frustrating than festive, and you’re suddenly feeling like a Scrooge. With a few tips and tricks, you can easily host an impressive