Tag Archives: Central Coast Real Estate

Central Coast Homebuyer Myths, Debunked

Central Coast Homebuyers

Central Coast Homebuyer Myths

Are you wanting to buy a Central Coast home? Do you keep talking yourself out of it because you can’t afford a mortgage, or you don’t have enough saved for a down payment? As your Central Coast real estate agent, I am here to tell you that if you want to buy a home, make sure you aren’t putting it off because of false beliefs! Allow me to debunk some of the most common home-buying myths.

Mortgage payment affordability – If you think you can’t afford a mortgage, let me ask you this. Are you currently paying rent? Because rent is often more expensive than what you’ll pay in a monthly mortgage, especially while mortgage rates are low! Plus, unlike with rent, you’ll see your money again when you go to sell. Homeownership is like forced savings for the future.

Credit history – If you have poor credit, there are still options. A lender may still approve you, but with a higher mortgage rate or higher down payment. Some private mortgage insurance programs allow a credit score as low as 620. Plus, you can always start improving your credit for a future purchase. Credit is not permanent, so start improving it today!

Down payment – If you don’t have 20 percent of the cost of a home saved, you are not alone! This is the leading cause of putting off a home purchase. However, the majority of buyers don’t buy with 20 percent down. You can get a mortgage with as low as 3 to 5 percent down. Also, it’s worth looking into down payment assistance programs if you have stable income and good credit.

Home prices – If you fear that you won’t find a Central Coast home in your price range, remember that you don’t have to purchase your last home first. In other words, it’s okay to start out with a smaller home, or a home that needs improvements, and then to sell later on and move up to a home that you’d rather live in. You will still be investing in your future rather than throwing away money on rent!

For more home-buying myths debunked, check out this realtor.com article. If you have questions about the home-buying process, contact me, your Central Coast real estate agent. I will be happy to clear things up for you and to help you understand the current conditions of the Central Coast real estate market!

It’s a great time to buy, with mortgage rates low. Rates and home prices are expected to continue to increase, so the sooner you buy, the better! We have many listings available around Lake Nacimiento and throughout the Central Coast region right now. Contact me, and let’s work together to find you a home that you can afford and that you’ll be happy living in!

Grace Borzini

Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
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Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

Central Coast Home-Buying Tips for Couples

Central Coast Homebuyers

Central Coast Homebuyers

If homeownership on the Central Coast is the next step coming to your relationship, allow me to offer you some tips before you begin your search. As a Central Coast real estate agent, I know that there are a few key things that couples should discuss before buying, so that they can work out disagreements now, and find common ground. Let me lay them out for you:

  • Location – When buying a Central Coast home, it is likely that you will stay in that home for many years. Therefore, it’s important that you both agree on the location! Discuss your long-term goals, like how long you’ll stay at your current job, where you might want to look for a future job, if you want to grow your family and what type of schools you would like your kids to go to, what type of amenities you’d like nearby, distance you’d prefer to your family and friends, and so forth.
  • Space requirements – Discuss what type of general layout you’d prefer, and what your square footage requirements are. Make a list of your needs and wants within a home. If you work from home, you’ll need office space. If you host a lot of parties, you’ll want an open floor plan with a big kitchen. If you plan to have kids, you’ll need extra bedrooms and bathrooms, which will up the price. Be ready to compromise! Determine what is essential and what would just be an added bonus.
  • Hidden expenses – Determine your budget for a home by meeting with a Central Coast real estate agent or a mortgage lender. When determining what you can afford, don’t forget to include hidden expenses, such as closing costs during the home-buying process, and costs once you are living in your new home, such as utilities, water, HOA fees, property taxes, repairs, insurance and so on. As a Central Coast real estate agent, I always recommend buying a little under your budget, so that you always have more to lean on when you need it.

For more home-buying tips for couples, check out this RISMedia article, or contact me with questions or for professional assistance! This is a big step for your future, so it’s wise to discuss your needs and wishes ahead of time, to make the process that much smoother once you begin. The process should be fun and memorable! The sooner you work out kinks, the better.

When ready to begin searching for your first Central Coast home as a couple, contact me!

Grace Borzini

Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.

How to Create a Wine Cellar in Your Lake Nacimiento Home

Wine Cellar

Wine Cellar in Lake Nacimiento Home

If you live in the Central Coast region of California, chances are, you have a few bottles of Central Coast wine in your home. After all, you’ve got plenty to choose from here! If you find yourself with more wine bottles than you know what to do with, however, you might want to consider creating a wine cellar in a spare room of your home. As a Lake Nacimiento real estate agent, I’d like to share some tips on this.

The most important aspects of long-term wine storage, according to VinePair, are low light, constant cool temperatures, and a steady, moderate amount of humidity. Therefore, the best room to turn into a wine cellar is a lower level room, and preferably one with little to no windows.

Here are few more suggestions from VinePair:

  • Keep lighting low. If the room does have windows, keep thick, dark curtains closed at all time. Have a dim light you can turn on in there, so you don’t knock over any bottles, but nothing so bright that it will give off heat when on.
  • Keep humidity steady. The ideal humidity level is 70 percent, but most experts agree a range from 50 to 80 percent is sufficient. Too much humidity could cause mold and too little could dry out the corks and leave bottles vulnerable to too much oxygen. There are affordable, portable thermometers you can purchase to test the humidity levels of a room.
  • Keep the temperature steady. This is most important, as temperature changes can let more oxygen in, or it could even “cook” the wine, which evaporates some of the volatile compounds, leaving you with a different chemistry and flavor than you’re expecting. It will taste more pruney or sharp.
  • Cooler is better. The ideal temperature is 55 F, with a range of 50 to 59 F suggested. The colder the room is, the longer it will take for the wine to develop. Warmer wines mature faster, so keep that in mind if your wine cellar ends up warmer than anticipated.

You could purchase a wine cooling system as cheap as $900, which basically looks like an outdated air-conditioning system. Or you could purchase a much more complicated system that runs on a duct system. These systems also keep humidity in check. These are bulky, include tubes that pump in warm and cool air as needed, and are more expensive. Decide what type of investment you’re willing to make for this wine cellar!

  • Insulate the door. If you’re going to invest in this type of technology, make sure the door to your wine cellar is properly insulated. This will ensure that the temperature and humidity levels remain as constant as possible inside the room. Always leave the door closed except for when you go inside to pick out the perfect wine bottle to pair with dinner.

Good luck creating a wine cellar in your Central Coast home! When ready to buy a Central Coast home, or to sell your Central Coast home, contact me, your Lake Nacimiento real estate agent! I am here to help you through the entire process and to help you achieve your real estate goals.

Grace Borzini

Your Local Lake Nacimiento Real Estate Expert
Oak Shores Realty

Oak Shores Real Estate
View Oak Shores Listings
Visit My Website
Email Me

Oak Shores Realty specializes in Oak Shores at Lake Nacimiento properties. Please contact us today to get more information on Lake Nacimiento lake homes. Oak Shores Realty can also provide you an insiders “Lake Nacimiento Buying Guide” with great information including maps and market information.