Author Archives: bchrealestate

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About bchrealestate

Specializing in beach and marina properties at the Channel Islands Harbor on California's Gold Coast located halfway between Malibu and Santa Barbara.

Turn your clocks back this week end

Posted on November 4, 2016 by bchrealestate
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Dial Down Risk for Retirement

Posted on November 1, 2016 by bchrealestate

There is certainly no shortage of retirement planning strategies available to individuals who actually take the time to consider them. What most financial experts do agree on is that the closer you are to retirement, the less time you have … Continue reading →

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Down Payment: FOUND!

Posted on October 25, 2016 by bchrealestate

Saving the down payment may be unnecessarily keeping would-be buyers from getting into a home. They may be unaware that the funds might be available. The NAR Profile of Home Buyers and Sellers reports that 81% of first-time buyers got … Continue reading →

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It’s not far, if you know the way

Posted on October 18, 2016 by bchrealestate

“It’s not far, if you know the way.” What this expression implies is that you could have a long way to go if you don’t know where you’re going or how to get there. Just like reading a map, there … Continue reading →

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Sale of Home by Surviving Spouse

Posted on October 11, 2016 by bchrealestate

Special consideration is made by IRS for the sale of a jointly-owned principal residence after the death of a spouse. Surviving spouse may qualify to exclude up to $500,000 of gain instead of the $250,000 exclusion for single people if … Continue reading →

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Rental Real Estate is Preferred Choice

Posted on October 4, 2016 by bchrealestate

Real estate is the overwhelming preferred choice by Americans as identified in a recent survey. With the Dow Jones industrial average reaching record highs, it might be expected that the stock market would be the favored choice but that wasn’t … Continue reading →

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When the rate goes up

Posted on September 27, 2016 by bchrealestate

It’s not “if” the rate goes up but “when” the rate goes up; it could make a big difference for some buyers. Freddie Mac predicts that mortgage rates will be at 4.5% a year from now. If buyers can afford … Continue reading →

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Waiting to Buy…WHY?

Posted on September 20, 2016 by bchrealestate

Some people wait to buy a home until they have 20% down payment to avoid paying the mortgage insurance which is required by lenders when the loan-to-value ratio is greater than 80%, with the exception of VA loans. To illustrate … Continue reading →

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Dust-Free Home

Posted on September 13, 2016 by bchrealestate

Having a dust-free home isn’t difficult, but it takes a serious commitment and a housekeeping strategy that addresses the dust and its causes. Whether your motive is cleanliness or to eliminate the cause of some allergies and asthma symptoms, it … Continue reading →

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Getting to Value

Posted on September 6, 2016 by bchrealestate

Fair market value is the price that real estate would sell for on the open market without any unusual forces being involved. The definition is relatively simple but there certainly different methods of determining what it is. A homeowner could … Continue reading →

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