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How we helped Bob Gerace by exceeding expectations.

"I was happy with the results I got! She's professional, experienced and the results were met or exceed my expectations. Showing up at inspections, when signatures were required. I would say that she didn't just depend on a fax machine or email. She showed up to make sure things were done correctly the first time."

        Bob Gerace

How we helped Melissa Klotz in a multiple offer situation.

"When we worked with Barbara we were buying a house. The experience was fantastic, if it weren't for her suggestions of the timing of putting in our offer and the amount of our offer we would have never gotten the house. Everything worked out perfectly. She was easy to talk to and always answering calls and emails promptly. She walked us through the entire process. It was my first time buying so I had no idea what a lot of these terms meant. She was always quick to put it into simple terms. The entire experience was great and we will definitely use her again. We put offer in on two houses, and the first one didn't end up working out at we were so upset. The way that she advised us on putting in the offer for the second home was just fantastic and we ended up getting our offer accepted when there were other offers on the table for that home. We are the happiest people in the world."

      Melissa Klotz, Home Buyer

How your neighbors can help you sell your home

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If you're thinking of selling your home, you need to immediately start preparing your neighbors.

Here’s what I mean.

Home appraisals are 5% to 10% lower if you have a so-called "bad" neighbor, with an unkempt yard or poorly maintained exterior.

That shouldn't be surprising when you consider that 63% of homebuyers drive by a home before coming for a showing.

Make no mistake — those potential buyers won't just be impacted by the exterior of your home, but by the state of your neighborhood as well.

On the other hand, neighbors can also be your best friend in selling your home.

They can provide you with free advertising, they can promote the neighborhood to inquiring buyers, and they might even actively work with you to help you achieve a higher price.

Here are three tips on working with your neighbors to achieve a faster, more profitable sale.

First, set up a special open house just for your neighbors.

Many neighbors will be curious for a peek inside your home. You can make the deal even more enticing by providing some free snacks and drinks.

Use this open house as an opportunity to show off your home, as well as to build better relations with your neighbors so they'll be more disposed to help you during the sale process.

One way to do this is to be forthcoming with information, including the price you're aiming for, renovations you're planning, or showings that might eat up local parking for an afternoon.

Get your neighbors involved, ask them for suggestions, and ask them how you can make the process easier for them.

Also, don't forget to mention that if you are successful in selling your home, this will positively impact the values of all homes in the neighborhood.

Second, organize a neighborhood cleanup party.

This is an opportunity to boost the image and value of your entire neighborhood, as well as to further cement good relations with your neighbors.

You can also use this as a discreet way to suggest small home improvement projects to your neighbors.

Which leads me to the third and final tip.

You can also offer to help with — or even pay for — any upgrades you’d like to see on your neighbors’ homes.

For example, if you’re having a landscaping crew come as part of your sale preparations, ask your neighbors with the overgrown lawn if they’d be ok with the landscapers also taking care of their yard for free.

These kinds of small investments can be worth thousands of dollars in terms of your final sale price.

If you want to get an estimate of what your home is currently worth without any of these upgrades, check out this home value calculator on my site:

Enter your street address here to find out what your home is worth

And if you need more advice on dealing with your neighbors in preparation for a home sale, just give me a call at 800-405-1433. I’ve got several other tips I can share with you.

How to File Taxes as a Homeowner in 2017

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If you bought your first home in 2016, chances are you're in for a very new tax experience this year.

That's because for many new homeowners, buying a house is the first time it makes sense to itemize taxes.

The good news is that itemizing your taxes is surprisingly easy to do.

Here's how to make sure you save the most on taxes while minimizing your filing headaches.

First, locate your Closing Disclosure Agreement. This is a part of your home closing paperwork provided by your lender.

Second, add up the following four main real estate deductions:

1. Loan costs and fees

These are different fees charged by your lender and spread throughout the Closing Disclosure Agreement.

Different lenders will call them by different names. Look for the items "application fee," "underwriting fee," and "loan costs."

2. Mortgage interest

You can deduct the entire interest portion of your monthly mortgage payments.

This will probably be your biggest tax deduction, particularly at the start of your mortgage when interest payments are highest.

3. Property taxes

You can deduct property taxes — but only for the part of the year that you owned the house.

Amazingly, you can claim this deduction even if you managed to negotiate with the seller to have them pay the full year's property taxes.

4. Mortgage insurance

If you've put down less than 20%, you probably have to pay for private mortgage insurance. The good news is this item is also tax deductible.

By the way, mortgage insurance is entirely different from homeowners insurance, which isn't tax deductible. 

There are a few other items you might also be able to itemize.

For example, if you gave away furniture or appliances before moving, this can be deducted as a charitable donation.

And if you work from home, you can claim additional deductions for that.

Now, add up all those deductions.

Is the total less than the standard deduction ($6,300 for an individual, $12,600 for a married couple)?

If it is — congratulations, you will save more this year by itemizing your taxes.

By the way, I've been talking this whole time about new homeowners.

But even if you've already owned your home for a while but you haven't been itemizing your taxes yet, you can definitely start doing so.

Points two through four above are recurring deductions, and you can also apply them this tax season.

Also, if you did not buy a house in 2016 but you're considering doing it this year, make sure you check out all the available listings around Southern California:

Click here for all available SoCal homes for sale

And if you have still have questions about your taxes, give me a call at 805-558-1500. I can give you additional tips, and I can also put you in touch with several excellent Southern California accountants.

Have a great day,

Radke Agency Reviews Sue Sayles

"She was just exceptional. Immediately she presented me with extended comps and a very detailed and educated opinion. From then forward I was astounded with her professional and exceptional service. Never had to worry about anything slipping through the cracks. I looked at two condos with her. She really has natural attributes that are really missing in this day and age, there isn't that customer service anymore. She goes above and beyond. She has the knowledge, genuineness, integrity, truthfulness and savvy-ness to make things happen."

      Sue Sayles, Home Buyer

Thank You for Making Us the Team We Are

Our team just won a very important award, and I have some people to thank for it. It all starts with you.

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Today I just want to let you know how grateful I am for our team receiving the number one listing award for 2016. Our team in 2016 also received the following awards:

  • 1st Place Listing Team
  • 2nd Place Selling Team
  • 2nd Place Total Volume Team

With close to 400 agents in our office we feel honored and grateful to have received these awards. Of course, none of this would be possible without the support of our amazing team and clients! It really means a lot to us and we couldn’t have done it without you. Thank you from the bottom of my heart—not only to my team but also to you for your support. We look forward to working with your friends and family in 2017.

If you have any questions or are thinking of buying or selling a home, please don’t hesitate to reach out to us. We’d love to help you!

We Can Help Find Trusted Contractors

If you want to hire a contractor, how can you find one you can trust? Let us help you with that.

Want to sell your home? Get a FREE home value report

Want to buy a home? Search all homes for sale

If you're looking to hire a contractor, how can you find one that you trust? 

I like to tell my clients that in order to really trust a contractor, you need to know that they've been in business for an extended period of time. You also want to be sure that they are licensed, insured, and bonded. 

I have a list of trusted contractors and vendors that I've amassed during my experience in real estate. If you need a contractor of any kind, I can definitely help you. Our network includes electricians, plumbers, roofers, general contractors, handymen, and many more. 

If you need a contractor of any kind, I can definitely help you.

Just give us a call or send an email and we'd be happy to send you our network of preferred contractors and vendors. 

If you have any other questions or you know a great contractor that should be added to our list, call me! I look forward to hearing from you.

A New Resource for You

I'd like to welcome you to my new YouTube Channel.

On my channel, you'll find tips for both buyers and sellers in the real estate market, as well as updates on what's happening in our local market. The real estate market affects all of us!

I really want this page to be a valuable resource for you. If you have any questions about our market or about real estate in general, send me an email. Odds are good that if you have a question about a topic, someone else does as well, so send your questions my way and we'll make an educational video.

Take a look around the channel and subscribe. I look forward to hearing from you soon!

74% of Households in the US Now Have Significant Equity!

74% of Households in the US Now Have Significant Equity! | MyKCM

CoreLogic’s latest Equity Report revealed that 92% of all mortgaged properties are now in a positive equity situation, while 74% now actually have significant equity (defined as more than 20%)! The report also revealed that 268,000 households regained equity in the first quarter of 2016 and are no longer under water.

Price Appreciation = Good News for Homeowners

Frank Nothaft, CoreLogic’s Chief Economist, explains:

“In just the last four years, equity for homeowners with a mortgage has nearly doubled to $6.9 trillion. The rapid increase in home equity reflects the improvement in home prices, dwindling distressed borrowers and increased principal repayment.  

These are all positive factors that will provide support to both household balance sheets and the overall economy.” 

Anand Nallathambi, President & CEO of CoreLogic, believes this is a great sign for the market in 2016 as well, as he had this to say:

“More than 1 million homeowners have escaped the negative equity trap over the past year. We expect this positive trend to continue over the balance of 2016 and into next year as home prices continue to rise.  

Nationally, the CoreLogic Home Price Index was up 5.5% year over year through the first quarter. If home values rise another 5% uniformly across the U.S., the number of underwater borrowers will fall by another one million during the next year.” 

Below is a map illustrating the percentage of households in each state with significant equity: 

74% of Households in the US Now Have Significant Equity! | MyKCM

Many homeowners with more than 20% equity in their home would be able to use that equity as a down payment on either a larger home or even a retirement home.

Bottom Line

If you are one of the many Americans who are unsure of how much equity you have in your home, don’t let that be the reason you fail to move on to your dream home this year!

30700 Russell Ranch Rd. #200
Westlake Village, CA 91362
Phone: 800-405-1433
Email: Barbara@RadkeAgency.com
CalBRE # 01705722

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