San Joaquin Valley Homes Blog

New Rules May Increase Your Credit Score This Summer

Categories: SJV Homes Blog | Posted: April 24, 2017 | Comments Off on New Rules May Increase Your Credit Score This Summer

Beyond the amount of money you have to put down, the current interest rates, and the supply of housing that is available, your credit score determines whether you can buy homes for sale in the Central Valley. This number, which ranges from 300 to 850, quickly tells finance companies at a glance how good you are with handling credit. Read the rest of this entry »

Budget Decorator: 3 Ways To Upcycle Old Wall Art

Categories: SJV Homes Blog | Posted: April 17, 2017 | Comments Off on Budget Decorator: 3 Ways To Upcycle Old Wall Art

So you’re looking for a new look for spring, but don’t want to throw out your old wall art? Not to worry! There are several ways you can re-use your current wall art throughout your home so you have the freedom to order some new pieces for your walls and update your home decor. From tables to pillows, these ideas will give you plenty of opportunity to fill your home with the beauty of art.

Here are a few of our favorite wall art upcycling ideas.

Canvas Pillow
Old canvas prints can be turned into decorative throw pillows. While the pillows won’t be comfortable, they will look pretty sharp, and will put your artwork to good use. Read the rest of this entry »

10 Topics To Consider As You Think About Downsizing

Categories: SJV Homes Blog | Posted: April 10, 2017 | Comments Off on 10 Topics To Consider As You Think About Downsizing

The children are grown and moved out. You are retired or almost ready to retire. You’ve dusted those shelves and swept those floors one too many times. For whatever your reason for moving out of your large family home, here are 10 topics to consider as you think about downsizing:

1. How Much Home Can You Afford? Do you want to build a dream retirement house? Would you like leftover cash from the house you are selling for your retirement? How much resale value do you want to anticipate in the new home? Answering these kinds of questions with a financial planner can be a great place to start.

2. What Kind of Neighborhood? Do you still love to have young children running around? Would you prefer a quieter retreat? Do you need a little buffer from your neighbors? Do you need to be closer to doctors, health-care facilities, etc.? Do you like bike paths, walking trails, parks nearby? Read the rest of this entry »

Simplifying Spring Cleaning

Categories: SJV Homes Blog | Posted: April 3, 2017 | Comments Off on Simplifying Spring Cleaning

Spring Cleaning is a chore that’s both necessary and time-consuming, but once done, your home feels as renewed as your spirit on the first warm spring day. Is it a hassle? Yes. Is it rewarding? Definitely. Here’s how to make it go faster and easier.

Make a List
If you list each room that you want to clean, you can check them off as you complete each one. This breaks a large project into several smaller ones, making it easier to focus on each one until the entire project is completed. You can even break your list down into specific cleaning tasks to do in each room.

Gather Your Tools
Preparation is an important part of the job if you don’t want to end up running back and forth to the kitchen to grab cleaning supplies and tools, interrupting the flow of work. Here are the tools you’ll need … Read the rest of this entry »

Student Loan Strategies Before Buying a Home for Sale in the Central Valley

Categories: SJV Homes Blog | Posted: March 27, 2017 | Comments Off on Student Loan Strategies Before Buying a Home for Sale in the Central Valley

About 70 percent of college students who graduated in 2016 had an average of $37,172 in student loans, according to US New and World Report. And more than half of millennial graduates don’t have a clue as when their student loans will be paid off. If you’re a member of this group, this loan can appear as a black mark on your credit report, making it difficult to afford a home because it’s a drain on your finances. The following strategies show how you can deal with this debt before buying one of our homes for sale in the Central Valley.

Know all you can about your loan
It’s understandable that you didn’t want to deal with loan details while you were busy with school. But now that you’re working, the only way you can make informed decisions about your loan is by knowing all you can about it. Find out details like who your loan provider is and their contact details, how much is left, when payment is due, and whether there’s a grace period. This period is the number of months that can pass before the first payment is due. Use this period to come up with an effective payment strategy. Read the rest of this entry »

Budget Friendly Interior Design Ideas for Your New Central Valley Home

Categories: SJV Homes Blog | Posted: March 20, 2017 | Comments Off on Budget Friendly Interior Design Ideas for Your New Central Valley Home

Thinking about investing in a new San Joaquin Central Valley home? Consider how much fun it will be to decorate the rooms in a brand new house. As you’ll see, there are plenty of ways to design great interiors without spending a fortune. For inspiration, we’ve put together a room-by-room list of ideas for every budget and style, with a little help from decorating inspiration giant, Houzz.

Kitchens with Style to Spare
• Laminate counter tops have come a long way in recent years, and many mimic the look of granite, stone or wood very convincingly at a fraction of the price.
• New Energy Star-rated appliances lower energy bills, but skip the built-in ice maker with water dispenser in the door of the fridge. It’s an energy waster.
• Invest in stylish lighting for the kitchen. It can have a huge impact and even become a focal point in an otherwise simple room. Read the rest of this entry »

14 Low Budget Ways to Make Your Home More Secure

Categories: SJV Homes Blog | Posted: March 13, 2017 | Comments Off on 14 Low Budget Ways to Make Your Home More Secure

Although it’s often your most expensive investment, your home doesn’t always need a high-priced monitoring system to keep it safe. Often it’s the little things that prompt thieves to give your abode a pass as shown by these 14 low-budget ways to make your home more secure.

1. Get a law enforcement check. Many police departments offer free home inspections. An officer walks through your home and recommends ways for beefing up your security.

2. Trim the foliage around doors, windows, and other entrances of the home. Burglars won’t be able to use your trees and bushes for cover when casing or breaking into your home. Read the rest of this entry »

Don’t Pay More Taxes Than You Have To: 9 Home Tax Deductions for Which You Might Be Eligible

Categories: SJV Homes Blog | Posted: March 6, 2017 | Comments Off on Don’t Pay More Taxes Than You Have To: 9 Home Tax Deductions for Which You Might Be Eligible

For many homeowners, especially first-time homeowners, it can be a struggle just to pay the monthly bills. You can use all the help you can get to lower costs associated with home ownership. One way to do that is to take advantage of every home tax deduction for which you’re eligible.

Here are 9 home tax deductions for which you might be eligible:

1. You can deduct home mortgage interest: This is a big one. Because mortgages are usually amortized, the bulk or early payments are in the form of interest, not principal—and all of those interest payments are tax deductible, up to a maximum of $1 million if you’re married and filing jointly, or $500,000 if filing separately. The only restriction is that the mortgage must be for a first or second home. For details about mortgage deductions, visit IRS Publication 936.

2. Home improvement loans: You can deduct interest on home improvement loans (like an addition or a kitchen replacement). The only condition is that the improvements must increase your home’s value. These are called “capital improvements” and include things like a new garage, a home addition, or new insulation. You cannot deduct interest on loans for ordinary repairs, such as fixing a broken window or painting. Read the rest of this entry »

The Importance of Water Conservation: Simple Steps to Conserve Water and Save Money

Categories: SJV Homes Blog | Posted: February 27, 2017 | Comments Off on The Importance of Water Conservation: Simple Steps to Conserve Water and Save Money

At its regular meeting on Feb. 8 California’s State Water Resources Control Board (SWRBC) voted to maintain drought restrictions, despite unprecedented rainfall in recent days. The decision was met with immediate pushback from many state residents who couldn’t understand the need to conserve water at a time when some are just trying to stay dry amid torrential downpours, mudslides and flash floods.

Republican State Senator Ted Gaines summed up the feelings of many residents:

“This decision is blind to the plain fact seen on every mountain, river and reservoir in the north state. We are flush with water, and they know that, but this lays bare their ‘permanent drought’ plan that will let them limit and control water use forever to meet their environmentalist agenda.” Read the rest of this entry »

10 Food Ideas For Your Central Valley Housewarming Party

Categories: SJV Homes Blog | Posted: February 20, 2017 | Comments Off on 10 Food Ideas For Your Central Valley Housewarming Party

When you’re planning a housewarming party, there are many things to consider. Should you plan activities or make a wish list of gifts? Those are certainly important considerations, but here we want to focus on the simplest of housewarming parties: the kind where your friends come over and hang out in your sparkling new home. Perhaps it’s a floating party where people are invited to come as they please during any time you specify. Or maybe you’ve allotted just a couple hours where your doors will be opened.

Either way, any time you have people to your home, it is nice to offer food. That is why we have put together 10 food ideas for your housewarming party.

1.  Make-Your-Own Sandwiches. Set out plates of your favorite deli meat alongside lettuce, tomato, onions, a gourmet mustard, slices of avocado, and rolls. Add an unexpected topping like pesto or fresh herbs. Serve with a simple coleslaw and a tray of store-bought chocolate chip cookies.

2.  Dips and Chips. This idea hinges on the extremely simple. A tray of taco dip, a tray of spinach dip and several bags of chips. Easy and delicious. Read the rest of this entry »