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Category Archives: Homes

Making Your Home More Environmentally Friendly

House Energy SavingsOne: Use Fluorescent Bulbs. Replace conventional incandescent light bulbs with compact fluorescent light bulbs (CFLs). They cost a little more, but last up to 10 times longer, use two-thirds less energy and give off 70 percent less heat.

Two: Look for the Energy Star Label. Energy Star-qualified refrigerators use about half as much energy as refrigerators made before 1993.

Three: Get Unplugged. Many home electronics still consume energy even when they are turned off. Many devices with a “standby mode” will continue to use power. Also, chargers and power adapters continue to draw power from the wall socket even if the device is not attached. Unplug these devices or use a power strip to turn off multiple units, when they aren’t being used to make sure that you aren’t wasting energy.

Four: Double-Up on Windows. Replacing old single-pane windows with double pane-windows helps reduce heat loss in winter and heat gain in the summer.

Five: Turn Down the Thermostat. Lowering you thermostat by just one degree can reduce costs by about four percent.

Six: Sustainable Floors. Cork flooring not only looks great, but it’s also natural insulator. So when you look into purchasing flooring, consider using bamboo, cork or another sustainable material.

Seven: Earth-Friendly Decks. A lot of deck material comes from tropical hardwoods. These woods look great and stand up to the elements for a very long time.

Eight: Low-Flow Faucets. Low-flow water fixtures such as showerheads, faucets and toilets reduce water consumption and water heating costs by as much as 50 percent.

Nine: Buy Renewable Energy. Check with your local utility company and see if you can purchase renewable energy.

Ten: Recycle! After you replace all those inefficient, windows and fixtures, make sure you recycle all that metal and glass. By recycling half of your household waste, you can save 2,400 pounds of carbon dioxide annually. Find more information about programs in your area at www.recycle.com.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search for energy saving features. California Home Network provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

The ABCs of Home Storage

The ABCs of Home Storage

In many American homes, the change of seasons is a signal for storing away some stuff and pulling out other supplies. Whether it’s yard tools or summer clothes, we all have items we put into storage for awhile, and pull out those things we need for another season, like holiday decorations. If you’re selling your home, you should try to store away extra items to make your home appear more spacious.

“A” is for Assessment

What do you have and where can you put it? Take a look at all your stuff and then take a look at where you can tuck it away in your home. Walk through the home with a pad and pen and dedicate an hour of your time to finish this first step.

“B” is for Banish and Box

While this may sound easy, it’s where the hard decisions get made. Box up what you’re going to keep and banish what needs to be thrown out, held for a yard sale or given to charity.

“C” is for Control

These two steps keep your storage areas neat and organized. They should also become a routine part of your storage plan. Maintaining your storage areas with smaller containers (such as see-through boxes, file folders or portable hanging racks) will keep items orderly and easily identifiable. Cardboard or plastic boxes with removable lids are your best bet for corralling stuff. The boxes are easy to handle and uniform in size.

When selling your home and if in doubt of what things should be stored away, ask your Realtor, he/she can give you some fantastic ideas.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing home search results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search by using the new Google Map search, and even do a home search for energy saving features. Are you looking for extra storage space or RV access? Well, you can search for that too.

California Home Network also provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

Common Questions to Getting That Home Loan

What steps can I take to improve my chances of getting a loan?

Today many lenders are more flexible and allow a greater percentage of monthly income to go toward mortgage payments. But they are more stringent on credit card balances. Lenders often count 5% of the balance as a borrower’s monthly payment, instead of the credit card’s minimum payment. If you are planning to pay off some debts before you apply for a loan, consider the ones with the largest monthly payment. Many lenders, for example, prefer to have a car loan paid off, because borrowers are not likely to go out and buy a new car right away. On the other hand, if credit cards are paid off, a borrower might start charging again.

Should I wait until interest rates drop?

Time is money. Can you afford to wait? Of course home buyers want to buy when interest rates are at their lowest. When interest rates are at near-record lows, potential buyers or homeowners looking to move up are asking themselves if the time is right to act. But no one can predict with certainty where rates are headed at any particular time. Waiting for a bottoming out may instead provide time for rates to rise.

What’s the debt-to-income ratio lenders use to qualify borrowers?

Many lenders use two ratios when they decide whether to approve a mortgage. If, for example, the ratios are 28/36, the “front” ratio of 28% means the lender will allow a mortgage payment (including principal, interest, taxes and insurance) of up to 28% of the borrower’s monthly pre-tax income. The “back” ratio of 36% means all loan and credit payments cannot exceed 36% of the borrower’s monthly income.

For more information visit the California Home Network, your:
Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing home search results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search by using the new Google Map search, and even do a home search for energy saving features. Are you looking for great real estate deals, short sales, or bank owned properties? With this powerful home search engine that information is right at your fingertips now.

California Home Network also provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

Avoiding Gapital Gains Tax on the Sale of Your Home

Worried about taxes eating away too much of the profit on your home? Under a law enacted about ten years ago, a married couple filing jointly usually can exclude as much as $500,000 of their gain. For someone who is single or married and filing separately, the limit is $250,000.

To qualify for the full exclusion, you typically must have owned the home and lived in it as your primary residence for at least two of the five years prior to sale.

This exclusion applies only to your primary residence. Even someone who couldn’t pass those tests might qualify to exclude most or all of the gain under certain circumstances. The seller may be eligible for a reduced exclusion if that person had to sell because of a “change in place of employment”, health reasons or “unforeseen circumstances.” What are unforeseen circumstances? Examples cited by the Internal Revenue Service include divorce, death, or “multiple births resulting from the same pregnancy.”

Some think they’re required to buy a new home to qualify for this home-sale gain exclusion. That’s wrong. They’re probably thinking about a law that was repealed about a decade ago, under which you could defer tax on the gain on the sale of your home by rolling over the proceeds into a new home that cost as much as, or more than, the old one. Congress eliminated that law, in part because it was viewed as unfair to people who wanted to downsize and buy a less expensive home or to sell and move into a rental. Contact Patrick Warholic, your Folsom, El Dorado Hills, and Granite Bay Realtor for details.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing home search results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search by using the new Google Map search, with community search parameters, and even do a home search for energy saving features too. Are you looking for great real estate deals, short sales, or bank owned properties? With this powerful home search engine that information is right at your fingertips now.

California Home Network also provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

Excited about the New Home, Adjusting to a New School

You are excited about your new home but just as important is your children settling into their new environment. A new school is important both academically and socially. The best way to help children start well is to register before school starts, if possible, to be sure any curriculum problems can be ironed out ahead of time

  1. Before school starts. Communication with the school administration should start as early as possible by mail or while visiting the destination area on a house-hunting trip. Take the child by the school and walk around, check in the classrooms and where the restrooms are located. Those coming from gifted or other special programs or magnet schools, check with the school secretary on extracurricular activities.
  2. During the school year. If the move is during the school year, parents should check back with the school and monitor their children’s work to be sure they are adjusting well and are in the correct levels or classes. But don’t expect disaster. Often “new kids” are a popular novelty during the year, and nothing beats the bus for making new friends.
  3. Making friends is important. A good social adjustment at the start is just as important as academic adjustment – especially for junior high or middle school students. While a teacher may assign a buddy for the new child for the first few days in elementary school, junior high students are often left to fend for themselves. Parents can help by making a point of finding at least one schoolmate for their child and arranging a meeting before starting school.

Check with your Realtor for your local schools and also neighborhood after school programs to meet other children.

Folsom Luxury Homes and Land Specialist

Our motto is to always “Do the Right Thing”, starting with providing premier executive real estate service to buyers and sellers of Folsom, Granite Bay, and El Dorado Hills luxury homes and land.

For more information from California Home Network visit Patrick Warholic, The Internet Home Marketing Specialist for free, no registration required, MLS home and property searches with amazing home search results at your fingertips, along with its ease of use, no registration required advanced home search features that will simply astound you. You can even search by using the new Google Map search, with community search parameters, and even do a home search for energy saving features too. Maybe you are looking for a new home investment property. Well, now you can find great real estate deals with REO bank owned properties and short sale homes listed in the MLS directory. This information is right at your fingertips, and no registration is required.

California Home Network also provides free real estate reports, information for sellers, information for buyers, and find out exactly what your home is worth with a free home valuation, with current up-to-date market information provided for you.

Learn how how you can be mortgage free in 8 to 11 years without re-financing. Ask for your free House Payment Free analysis.

Contact Patrick Warholic, Realtor, CCRA, SRES, ASP, and e-PRO certified.

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When Patrick Warholic commits to something, you can bet that he's going to focus all his energy and attention on getting it done—the right way. His career as one of the Folsom area's leading real estate agents is no exception to this approach. Patrick immerses himself in the needs of his clients and formulates a plan specifically designed to achieve the results they want and deserve. Whether his clients want to buy their dream home or sell their existing home quickly and profitably, Patrick combines his intimate familiarity with the area, extensive business background and goal-oriented mentality to ensure his clients get the highest possible return on their investment. If you're in the market to buy or sell a home, it makes sense to work with a professional who's in the business of Performance Not Promises. That's Patrick Warholic. Take it from someone who has worked with Patrick:

"Being in escrow, I find that I am very particular and appreciate folks that take extra time and effort to go the extra mile to be sure everything is done correctly. This is how Patrick does his business as well. He leaves nothing to chance, asks great questions, carefully reviews his buyer and seller settlement statements, attends his buyer and seller signing appointments, he is very responsive to all phone calls and follows up on all aspects of his transactions. In my opinion, he simply takes excellent care of his clients." —Cara Filipelli

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Patrick Warholic

Patrick Warholic - ASP, SRES, CCRA, ePRO Certified Realtor®
Home Location: Folsom, California, United States

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916-208-3892

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