The Weidauer Group – The Leader in Real Estate
What’s a Home Warranty?
A home warranty is a service contract, normally for one year, which helps protect home owners against the cost of unexpected covered repairs or replacement on their major systems and appliances that break down due to normal wear and tear. Coverage is for systems and appliances in good working order at the start of the contract.
Check your home warranty policy to see which of the following items are covered. Also find out if the policy covers the full replacement cost of an item.
• Plumbing
• Electrical systems
• Furnace
• Water heater
• Heating ducts
• Water pump
• Dishwasher
• Garbage disposal
• Stove/cooktop/ovens
• Microwave
• Refrigerator
• Washer/dryer
• Swimming pool (may be optional)
Source: American Home Shield, www.ahswarranty.com, REALTOR® Benefits Partner
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Tuesday, January 18, 2011
Wednesday, January 12, 2011
5 Things to Know About Title Insurance
The Weidauer Group – The Leader in Real Estate
5 Things to Know About Title Insurance
Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance.
1. It protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.
2. It’s a one-time cost usually based on the price of the property.
3. It’s usually paid for by the sellers, although this can vary depending on your state and local customs.
4. There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.
5. Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
5 Things to Know About Title Insurance
Title insurance protects the holder from any losses sustained from defects in the title. It’s required by most mortgage lenders. Here are five other things you should know about title insurance.
1. It protects your ownership right to your home, both from fraudulent claims against your ownership and from mistakes made in earlier sales, such as mistake in the spelling of a person’s name or an inaccurate description of the property.
2. It’s a one-time cost usually based on the price of the property.
3. It’s usually paid for by the sellers, although this can vary depending on your state and local customs.
4. There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.
5. Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Tuesday, January 11, 2011
Tips for Lowering Homeowner’s Insurance Costs
The Weidauer Group – The Leader in Real Estate
Tips for Lowering Homeowner’s Insurance Costs
1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE report have been repaired.
2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.
3. Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.
4. Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.
5. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower. Avoid making claims under $1,000.
6. Ask about other discounts. For example, retirees who tend to be home more than full-time workers may qualify for a discount on theft insurance. You also may be able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt locks.
7. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.
8. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.
9. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.
10. Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Tips for Lowering Homeowner’s Insurance Costs
1. Review the Comprehensive Loss Underwriting Exchange (CLUE) report on the property you’re interested in buying. CLUE reports detail the property’s claims history for the most recent five years, which insurers may use to deny coverage. Make the sale contingent on a home inspection to ensure that problems identified in the CLUE report have been repaired.
2. Seek insurance coverage as soon as your offer is approved. You must obtain insurance to buy. And you don’t want to be told at closing that the insurer has denied your coverage.
3. Maintain good credit. Insurers often use credit-based insurance scores to determine premiums.
4. Buy your home owners and auto policies from the same company and you’ll usually qualify for savings. But make sure the discount really yields the lowest price.
5. Raise your deductible. If you can afford to pay more toward a loss that occurs, your premiums will be lower. Avoid making claims under $1,000.
6. Ask about other discounts. For example, retirees who tend to be home more than full-time workers may qualify for a discount on theft insurance. You also may be able to obtain discounts for having smoke detectors, a burglar alarm, or dead-bolt locks.
7. Seek group discounts. If you belong to any groups, such as associations or alumni organizations, they may have deals on insurance coverage.
8. Review your policy limits and the value of your home and possessions annually. Some items depreciate and may not need as much coverage.
9. Investigate a government-backed insurance plan. In some high-risk areas, federal or state government may back plans to lower rates. Ask your agent.
10. Be sure you insure your house for the correct amount. Remember, you’re covering replacement cost, not market value.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Thursday, January 6, 2011
Navigating Short Sales: What to Do When the Sale Price Leaves You Short
The Weidauer Group – The Leader in Real Estate
Navigating Short Sales: What to Do When the Sale Price Leaves You Short
If you're thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it.
1. Consider loan modification first. If you are thinking of selling your home because of financial difficulties and you anticipate a short sale, first contact your lender to see if it has any programs to help you stay in your home. Your lender may agree to a modification such as:
• Refinancing your loan at a lower interest rate
• Providing a different payment plan to help you get caught up
• Providing a forbearance period if your situation is temporary
When a loan modification still isn’t enough to relieve your financial problems, a short sale could be your best option if
• Your property is worth less than the total mortgage you owe on it.
• You have a financial hardship, such as a job loss or major medical bills.
• You have contacted your lender and it is willing to entertain a short sale.
2. Hire a qualified team. The first step to a short sale is to hire a qualified real estate professional* and a real estate attorney who specialize in short sales. Interview at least three candidates for each and look for prior short-sale experience. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with those who demonstrate a thorough working knowledge of the short-sale process and who won't try to take advantage of your situation or pressure you to do something that isn't in your best interest.
A qualified real estate professional can:
• Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).
• Help you set an appropriate listing price for your home, market the home, and get it sold.
• Put special language in the MLS that indicates your home is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).
• Ease the process of working with your lender or lenders.
• Negotiate the contract with the buyers.
• Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can’t sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.
3. Begin gathering documentation before any offers come in. Your lender will give you a list of documents it requires to consider a short sale. The short-sale “package” that accompanies any offer typically must include
• A hardship letter detailing your financial situation and why you need the short sale
• A copy of the purchase contract and listing agreement
• Proof of your income and assets
• Copies of your federal income tax returns for the past two years
4. Prepare buyers for a lengthy waiting period. Even if you're well organized and have all the documents in place, be prepared for a long process. Waiting for your lender’s review of the short-sale package can take several weeks to months. Some experts say:
• If you have only one mortgage, the review can take about two months.
• With a first and second mortgage with the same lender, the review can take about three months.
• With two or more mortgages with different lenders, it can take four months or longer.
When the bank does respond, it can approve the short sale, make a counteroffer, or deny the short sale. The last two actions can lengthen the process or put you back at square one. (Your real estate attorney and real estate professional, with your authorization, can work your lender’s loss mitigation department on your behalf to prepare the proper documentation and speed the process along.)
5. Don't expect a short sale to solve your financial problems. Even if your lender does approve the short sale, it may not be the end of all your financial woes. Here are some things to keep in mind:
• You may be asked by your lender to sign a promissory note agreeing to pay back the amount of your loan not paid off by the short sale. If your financial hardship is permanent and you can’t pay back the balance, talk with your real estate attorney about your options.
• Any amount of your mortgage that is forgiven by your lender is typically considered income, and you may have to pay taxes on that amount. Under a temporary measure passed in 2007, the Mortgage Forgiveness Debt Relief Act and Debt Cancellation Act, homeowners can exclude debt forgiveness on their federal tax returns from income for loans discharged in calendar years 2007 through 2012. Be sure to consult your real estate attorney and your accountant to see whether you qualify.
• Having a portion of your debt forgiven may have an adverse effect on your credit score. However, a short sale will impact your credit score less than foreclosure and bankruptcy.
Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws vary from state to state. For advice on a specific matter, consult your attorney or CPA.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Navigating Short Sales: What to Do When the Sale Price Leaves You Short
If you're thinking of selling your home, and you expect that the total amount you owe on your mortgage will be greater than the selling price of your home, you may be facing a short sale. A short sale is one where the net proceeds from the sale won't cover your total mortgage obligation and closing costs, and you don't have other sources of money to cover the deficiency. A short sale is different from a foreclosure, which is when your lender takes title of your home through a lengthy legal process and then sells it.
1. Consider loan modification first. If you are thinking of selling your home because of financial difficulties and you anticipate a short sale, first contact your lender to see if it has any programs to help you stay in your home. Your lender may agree to a modification such as:
• Refinancing your loan at a lower interest rate
• Providing a different payment plan to help you get caught up
• Providing a forbearance period if your situation is temporary
When a loan modification still isn’t enough to relieve your financial problems, a short sale could be your best option if
• Your property is worth less than the total mortgage you owe on it.
• You have a financial hardship, such as a job loss or major medical bills.
• You have contacted your lender and it is willing to entertain a short sale.
2. Hire a qualified team. The first step to a short sale is to hire a qualified real estate professional* and a real estate attorney who specialize in short sales. Interview at least three candidates for each and look for prior short-sale experience. Short sales have proliferated only in the last few years, so it may be hard to find practitioners who have closed a lot of short sales. You want to work with those who demonstrate a thorough working knowledge of the short-sale process and who won't try to take advantage of your situation or pressure you to do something that isn't in your best interest.
A qualified real estate professional can:
• Provide you with a comparative market analysis (CMA) or broker price opinion (BPO).
• Help you set an appropriate listing price for your home, market the home, and get it sold.
• Put special language in the MLS that indicates your home is a short sale and that lender approval is needed (all MLSs permit, and some now require, that the short-sale status be disclosed to potential buyers).
• Ease the process of working with your lender or lenders.
• Negotiate the contract with the buyers.
• Help you put together the short-sale package to send to your lender (or lenders, if you have more than one mortgage) for approval. You can’t sell your home without your lender and any other lien holders agreeing to the sale and releasing the lien so that the buyers can get clear title.
3. Begin gathering documentation before any offers come in. Your lender will give you a list of documents it requires to consider a short sale. The short-sale “package” that accompanies any offer typically must include
• A hardship letter detailing your financial situation and why you need the short sale
• A copy of the purchase contract and listing agreement
• Proof of your income and assets
• Copies of your federal income tax returns for the past two years
4. Prepare buyers for a lengthy waiting period. Even if you're well organized and have all the documents in place, be prepared for a long process. Waiting for your lender’s review of the short-sale package can take several weeks to months. Some experts say:
• If you have only one mortgage, the review can take about two months.
• With a first and second mortgage with the same lender, the review can take about three months.
• With two or more mortgages with different lenders, it can take four months or longer.
When the bank does respond, it can approve the short sale, make a counteroffer, or deny the short sale. The last two actions can lengthen the process or put you back at square one. (Your real estate attorney and real estate professional, with your authorization, can work your lender’s loss mitigation department on your behalf to prepare the proper documentation and speed the process along.)
5. Don't expect a short sale to solve your financial problems. Even if your lender does approve the short sale, it may not be the end of all your financial woes. Here are some things to keep in mind:
• You may be asked by your lender to sign a promissory note agreeing to pay back the amount of your loan not paid off by the short sale. If your financial hardship is permanent and you can’t pay back the balance, talk with your real estate attorney about your options.
• Any amount of your mortgage that is forgiven by your lender is typically considered income, and you may have to pay taxes on that amount. Under a temporary measure passed in 2007, the Mortgage Forgiveness Debt Relief Act and Debt Cancellation Act, homeowners can exclude debt forgiveness on their federal tax returns from income for loans discharged in calendar years 2007 through 2012. Be sure to consult your real estate attorney and your accountant to see whether you qualify.
• Having a portion of your debt forgiven may have an adverse effect on your credit score. However, a short sale will impact your credit score less than foreclosure and bankruptcy.
Note: This article provides general information only. Information is not provided as advice for a specific matter. Laws vary from state to state. For advice on a specific matter, consult your attorney or CPA.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
424-400-4056 or 310-896-5769
NV DRE License #S.0070208
702-582-7084 or 424-400-4056
darinweidauer@weidauergroup.com
http://www.weidauergroupo.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Wednesday, December 22, 2010
10 Questions to Ask Home Inspectors
The Weidauer Group – The Leader in Real Estate
10 Questions to Ask Home Inspectors
Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home inspectors:
1. Will your inspection meet recognized standards? Ask whether the inspection and the inspection report will meet all state requirements and comply with a well-recognized standard of practice and code of ethics, such as the one adopted by the American Society of Home Inspectors or the National Association of Home Inspectors. Customers can view each group’s standards of practice and code of ethics online at www.ashi.org or www.nahi.org. ASHI’s Web site also provides a database of state regulations.
2. Do you belong to a professional home inspector association? There are many state and national associations for home inspectors, including the two groups mentioned in No. 1. Unfortunately, some groups confer questionable credentials or certifications in return for nothing more than a fee. Insist on members of reputable, nonprofit trade organizations; request to see a membership ID.
3. How experienced are you? Ask how long inspectors have been in the profession and how many inspections they’ve completed. They should provide customer referrals on request. New inspectors also may be highly qualified, but they should describe their training and let you know whether they plan to work with a more experienced partner.
4. How do you keep your expertise up to date? Inspectors’ commitment to continuing education is a good measure of their professionalism and service. Advanced knowledge is especially important in cases in which a home is older or includes unique elements requiring additional or updated training.
5. Do you focus on residential inspection? Make sure the inspector has training and experience in the unique discipline of home inspection, which is very different from inspecting commercial buildings or a construction site. If your customers are buying a unique property, such as a historic home, they may want to ask whether the inspector has experience with that type of property in particular.
6. Will you offer to do repairs or improvements? Some state laws and trade associations allow the inspector to provide repair work on problems uncovered during the inspection. However, other states and associations forbid it as a conflict of interest. Contact your local ASHI chapter to learn about the rules in your state.
7. How long will the inspection take? On average, an inspector working alone inspects a typical single-family house in two to three hours; anything significantly less may not be thorough. If your customers are purchasing an especially large property, they may want to ask whether additional inspectors will be brought in.
8. What’s the cost? Costs can vary dramatically, depending on your region, the size and age of the house, and the scope of services. The national average for single-family homes is about $320, but customers with large homes can expect to pay more. Customers should be wary of deals that seem too good to be true.
9. What type of inspection report do you provide? Ask to see samples to determine whether you will understand the inspector's reporting style. Also, most inspectors provide their full report within 24 hours of the inspection.
10. Will I be able to attend the inspection? The answer should be yes. A home inspection is a valuable educational opportunity for the buyer. An inspector's refusal to let the buyer attend should raise a red flag.
Source: Rob Paterkiewicz, executive director, American Society of Home Inspectors, Des Plaines, Ill.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
10 Questions to Ask Home Inspectors
Before you make your final buying or selling decision, you should have the home inspected by a professional. An inspection can alert you to potential problems with a property and allow you to make an informed decision. Ask these questions to prospective home inspectors:
1. Will your inspection meet recognized standards? Ask whether the inspection and the inspection report will meet all state requirements and comply with a well-recognized standard of practice and code of ethics, such as the one adopted by the American Society of Home Inspectors or the National Association of Home Inspectors. Customers can view each group’s standards of practice and code of ethics online at www.ashi.org or www.nahi.org. ASHI’s Web site also provides a database of state regulations.
2. Do you belong to a professional home inspector association? There are many state and national associations for home inspectors, including the two groups mentioned in No. 1. Unfortunately, some groups confer questionable credentials or certifications in return for nothing more than a fee. Insist on members of reputable, nonprofit trade organizations; request to see a membership ID.
3. How experienced are you? Ask how long inspectors have been in the profession and how many inspections they’ve completed. They should provide customer referrals on request. New inspectors also may be highly qualified, but they should describe their training and let you know whether they plan to work with a more experienced partner.
4. How do you keep your expertise up to date? Inspectors’ commitment to continuing education is a good measure of their professionalism and service. Advanced knowledge is especially important in cases in which a home is older or includes unique elements requiring additional or updated training.
5. Do you focus on residential inspection? Make sure the inspector has training and experience in the unique discipline of home inspection, which is very different from inspecting commercial buildings or a construction site. If your customers are buying a unique property, such as a historic home, they may want to ask whether the inspector has experience with that type of property in particular.
6. Will you offer to do repairs or improvements? Some state laws and trade associations allow the inspector to provide repair work on problems uncovered during the inspection. However, other states and associations forbid it as a conflict of interest. Contact your local ASHI chapter to learn about the rules in your state.
7. How long will the inspection take? On average, an inspector working alone inspects a typical single-family house in two to three hours; anything significantly less may not be thorough. If your customers are purchasing an especially large property, they may want to ask whether additional inspectors will be brought in.
8. What’s the cost? Costs can vary dramatically, depending on your region, the size and age of the house, and the scope of services. The national average for single-family homes is about $320, but customers with large homes can expect to pay more. Customers should be wary of deals that seem too good to be true.
9. What type of inspection report do you provide? Ask to see samples to determine whether you will understand the inspector's reporting style. Also, most inspectors provide their full report within 24 hours of the inspection.
10. Will I be able to attend the inspection? The answer should be yes. A home inspection is a valuable educational opportunity for the buyer. An inspector's refusal to let the buyer attend should raise a red flag.
Source: Rob Paterkiewicz, executive director, American Society of Home Inspectors, Des Plaines, Ill.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Saturday, December 18, 2010
Pros and Cons of Going Condo
The Weidauer Group – The Leader in Real Estate
Pros and Cons of Going Condo
Condominiums and townhouses offer an affordable option to single-family homes in many markets, and they’re ideal for those who appreciate a maintenance-free lifestyle. But before you buy, make sure you do your legwork. These are some of the important elements to consider:
• Storage. Some condos have storage lockers, but usually there are no attics or basements to hold extra belongings.
• Outdoor space. Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you dread yard work, this may be the perfect option for you.
• Amenities. Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home.
• Maintenance. Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home — good news if you like to travel.
• Security. Keyed entries and even doormen are common in many condos. You’re also closer to other people in case of an emergency.
• Reserve funds and association fees. Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees decided by the condo board, whether or not you’re interested in the amenity.
• Resale. The ease of selling your unit may be dependent on what else is for sale in your building, since units are usually fairly similar.
• Condo rules. Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets, or don’t allow owners to rent out their units. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer.
• Neighbors. You’re much closer to your neighbors in a condo or town home. If possible, try to meet your closest prospective neighbors.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Pros and Cons of Going Condo
Condominiums and townhouses offer an affordable option to single-family homes in many markets, and they’re ideal for those who appreciate a maintenance-free lifestyle. But before you buy, make sure you do your legwork. These are some of the important elements to consider:
• Storage. Some condos have storage lockers, but usually there are no attics or basements to hold extra belongings.
• Outdoor space. Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you dread yard work, this may be the perfect option for you.
• Amenities. Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home.
• Maintenance. Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home — good news if you like to travel.
• Security. Keyed entries and even doormen are common in many condos. You’re also closer to other people in case of an emergency.
• Reserve funds and association fees. Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees decided by the condo board, whether or not you’re interested in the amenity.
• Resale. The ease of selling your unit may be dependent on what else is for sale in your building, since units are usually fairly similar.
• Condo rules. Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets, or don’t allow owners to rent out their units. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer.
• Neighbors. You’re much closer to your neighbors in a condo or town home. If possible, try to meet your closest prospective neighbors.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
http://www.facebook.com/weidauergroup
http://www.twitter.com/weidauergroup
http://www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Friday, December 17, 2010
Tips for Buying in a Tight Market
The Weidauer Group – The Leader in Real Estate
Tips for Buying in a Tight Market
Increase your chances of getting your dream house in a competitive housing market, and lower your chances of losing out to another buyer.
1. Get prequalified for a mortgage. You’ll be able to make a firm commitment to buy and your offer will be more desirable to the seller.
2. Stay in close contact with your real estate agent to find out about the newest listings. Be ready to see a house as soon as it goes on the market — if it’s a great home, it will go fast.
3. Scout out new listings yourself. Look at Web sites such as REALTOR.com, browse your local newspaper’s real estate section, and drive through the neighborhood to spot For Sale signs. If you see a home you like, write down the address and the name of the listing agent. Your real estate agent will schedule a showing.
4. Be ready to make a decision. Spend a lot of time in advance deciding what you must have in a home so you won’t be unsure when you have the chance to make an offer.
5. Bid competitively. You may not want to start out offering the absolute highest price you can afford, but don’t go too low to get a deal. In a tight market, you’ll lose out.
6. Keep contingencies to a minimum. Restrictions such as needing to sell your home before you move or wanting to delay the closing until a certain date can make your offer unappealing. In a tight market, you’ll probably be able to sell your house rapidly. Or talk to your lender about getting a bridge loan to cover both mortgages for a short period.
7. Don’t get caught in a buying frenzy. Just because there’s competition doesn’t mean you should just buy it. And even though you want to make your offer attractive, don’t neglect inspections that help ensure that your house is sound.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
www.facebook.com/weidauergroup
www.twitter.com/weidauergroup
www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
Tips for Buying in a Tight Market
Increase your chances of getting your dream house in a competitive housing market, and lower your chances of losing out to another buyer.
1. Get prequalified for a mortgage. You’ll be able to make a firm commitment to buy and your offer will be more desirable to the seller.
2. Stay in close contact with your real estate agent to find out about the newest listings. Be ready to see a house as soon as it goes on the market — if it’s a great home, it will go fast.
3. Scout out new listings yourself. Look at Web sites such as REALTOR.com, browse your local newspaper’s real estate section, and drive through the neighborhood to spot For Sale signs. If you see a home you like, write down the address and the name of the listing agent. Your real estate agent will schedule a showing.
4. Be ready to make a decision. Spend a lot of time in advance deciding what you must have in a home so you won’t be unsure when you have the chance to make an offer.
5. Bid competitively. You may not want to start out offering the absolute highest price you can afford, but don’t go too low to get a deal. In a tight market, you’ll lose out.
6. Keep contingencies to a minimum. Restrictions such as needing to sell your home before you move or wanting to delay the closing until a certain date can make your offer unappealing. In a tight market, you’ll probably be able to sell your house rapidly. Or talk to your lender about getting a bridge loan to cover both mortgages for a short period.
7. Don’t get caught in a buying frenzy. Just because there’s competition doesn’t mean you should just buy it. And even though you want to make your offer attractive, don’t neglect inspections that help ensure that your house is sound.
Darin Weidauer
Weidauer Group – The Leader in Real Estate
Realtor – Los Angeles – Las Vegas
CA DRE License #01870184
310-896-5769 or 424-247-4567 Español
NV DRE License #S.0070208
702-249-8912 or 424-247-4567 Español
darinweidauer@weidauergroup.com
http://www.weidauergroup.com
www.facebook.com/weidauergroup
www.twitter.com/weidauergroup
www.youtube.com/weidauergroup
http://www.weidauergroup-theleaderinrealestate.blogspot.com/
Los Angeles, Beverly Hills, West Los Angeles, West Hollywood, Brentwood, Century City, Venice, Henderson, Hermosa Beach, Manhattan Beach, South Bay, Bel Air, Santa Monica, Culver City, Mar Vista, Rancho Palos Verdes, Pacific Palisades, Commerce, Marina del Rey, Playa del Rey, Playa Vista, Cheviot Hills, Malibu, Hawthorne, Redondo Beach, Torrance, Las Vegas, Long Beach, Westchester, Pasadena, El Segundo, Burbank, Studio City, Universal City, Sherman Oaks, Glendale, Agoura, Agoura Hills, San Gabriel, San Marino, Santa Clarita, Sierra Madre, Calabasas, Bell Canyon, Chatsworth, Newbury Park, North Las Vegas, Moorpark, Oak Park, Simi Valley, Wood Ranch, North Ranch, Lake Sherwood, Camarillio, Conejo Valley, Woodland Hills, Hidden Hills, Bradbury, Inglewood, Glendora, Rolling Hills, La Canada Flintridge, Encino, Tarzana, Reseda, West Lake Village, San Fernando Valley, Norwalk, Newport Beach, Seal Beach, Downey, Norwalk, South Gate, Bell, Bellflower, Paramount, La Mirada, La Habra, Whittier, Costa Mesa, Irvine, Cerritos, Bell Gardens, Lynwood, Los Angeles County, Ventura County, Upland, Westminister, Los Angeles County, Orange County, Clark County
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