H & M Realty

As homes are getting older we are seeing more homeowner claims. Here is a short read on if you should file or not. We are always available to discuss this with you at Countryside Insurance Agency in Temecula. 951-296-9995

A Home Insurance Claim: To File Or Not To File Learn when it may not make sense to file a claim on your home insurance.

New H & M Realty Listing in Temecula

29006 Newport Rd. For Sale, Temecula CA Real Estate 29006 Newport Rd. For Sale, Temecula CA Real Estate

New Listing Standard Sale.

For Sale : 38410 Magdelena St. , Murrieta CA Home for Sale at 38410 Magdelena St., Murrieta CA. 4 bedrooms, 3 bath home in Riverside county.

Get your H & M Realty Hats Now!!! Create anything from Business cards to birthday party invites at Vistaprint.com. Get incredible sales, 3-day shipping and more!

Is it time for you to buy? Give us a call.

For renters, buying a home pays off after three years on average Real estate website Zillow has a provocative data point for every renter thinking about buying these days: That move pays off after just three years on average nationwide.

A home near the beach, mountains, valley, desert - take your pick. With plenty of scenery to choose from, California has you covered no matter your price point. http://on.car.org/MZFgkE

Find out more at:
Call 951-234-7955 or email [email protected]
www.hmrealty4u.com
DRE #01235590

30-Year Fixed Mortgage Rate Falls to New Record Low

http://www.zillow.com/blog/2012-07-24/30...


Mortgage rates for 30-year fixed mortgages fell this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 3.35 percent, down from 3.42 [...]




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30-Year Fixed Mortgage Rate Falls to New Record Low Mortgage rates for 30-year fixed mortgages fell this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 3.35 percent, down from 3.42 [...]

US home values have hit bottom, Zillow says: Associated Press

http://money.msn.com/business-news/artic...


SEATTLE (AP) - U.S. home values have risen four consecutive months, Zillow.com said on Tuesday, a trend that led the housing website to declare that the market has turned the corner from its

http://money.msn.com/business-news/artic

Att: REAL EASTE AGENT
Sell A House = Get Paid 100% Commission
It’s That Simple!

H & M Realty is looking for agents like you to join our team. Our Agents keep 100% commission and we have 2 easy plans to fit your business. Use all the extra money to market yourself and watch your business take off!

Find out more at:
Call 951-234-7955 or email
[email protected]

French Valley Couple That Gutted Home Gets Jail

http://temecula.patch.com/articles/f...

Robert Conrad Acosta, 40, and his wife, Monique Evette Acosta, 36, were each convicted of one count of stealing fixtures from their foreclosed ho...

http://temecula.patch.com/articles/f

10 musts when hiring home improvement contractor

Don't be afraid to ask for worker's license and insurance

By Bill and Kevin Burnett
Inman News®

Q: Several years ago, you wrote a column that was partially prompted by email about the dangers of hiring unlicensed contractors. Now that the home improvement season is upon us, the Contractors State License Board is warning about another danger to homeowners: lack of workers' compensation insurance.

I've noticed advertisements for many licensed home improvement contractors, spanning many crafts from landscape to drywall and painting, who don't carry workers' compensation insurance.

I think you may remember the story I mentioned before about the roofer who picked up a worker outside a local home improvement store only to have that worker fall off the homeowner's roof and suffer serious injuries. The worker ended up suing the homeowner for compensation. --John Motroni, San Francisco

A: We certainly do remember the story and the events leading to it. We wrote that hiring unlicensed workers was OK, providing the homeowner was aware of the risks. Motroni, who at the time was a producer for "7 on Your Side," a consumer protection TV segment on the KGO news, took issue.

After several email exchanges, we came to the shared conclusion that hiring a worker for "a little government work" was probably OK provided the homeowner knew the worker and realized that he, the homeowner, was taking on the role of contractor, with all the responsibilities that entails.

That means that if the job wasn't done right, there is no recourse against the unlicensed worker and that the homeowner is responsible to provide workers' compensation insurance or suffer the legal consequences should the worker get hurt.

The Contractors State License Board provides this 10-point checklist for hiring a contractor.
•Hire only state-licensed contractors.
•Ask to see a copy of the contractor's license and insurance and check that the contractor's license is in good standing at www.cslb.ca.gov.
•Get at least three bids.
•Get references from each bidder and take the time to check out their work.
•Make sure the details of the project and the payment terms are in writing.
•Confirm the contractor's liability and workers' compensation policies are active and the coverage amounts are adequate by calling the insurance companies.
•Don't pay more than 10 percent of the contract price or $1,000; whichever is less, as a down payment.
•Progress payments should not get ahead of the work.
•Keep a job file containing all relevant paperwork, including the contract and record of payments.
•Do not make the final payment until you're satisfied with the job, including cleanup.

California recently has been cracking down on unlicensed and underinsured contractors. In February, the Contractors State License Board, in conjunction with the Alameda County District Attorney's Office, conducted a sting in the Berkeley Hills.

The board solicited bids for flooring, painting, glazing and landscaping projects on a 2,500-square-foot home. The sting netted 12 unlicensed contractors, four of whom did not have workers' compensation insurance for their workers.

A tradesman doing a job for less than $500 in labor and materials is not required to be licensed. A solo licensed contractor doing his own work without any employees is not required to carry a workers' compensation policy.

So if you're hiring a contractor for a job costing more than $500 or he has employees, make sure he has the proper license and adequate insurance or realize you may have to pay the piper.

Contractors State License Board Protecting and informing consumers and contractors about proper contracting.

Do you need $250.00 or $500.00 extra cash for just an call or e-mail.

All you have to do is refer a friend/family or co-worker who is looking to buy or needs to sell their home to H & M Realty in Riverside County and when their Escrow close you will rec'd $250.00 on first referral and $500.00 for two or more referrals. Call Neil Feduniw Broker of H & M Realty for details or for providing referrals name. www.hmrealty4u.com / 951-234-7955

Neil Feduniw,Real Estate Broker/Realtor, Temecula, CA Realtor, homes for sell in Temecula,Murrieta, CA

Pending Home Sales Up in May, Continue Pattern of Strong Annual Gains WASHINGTON (June 27, 2012) – Pending home sales bounced back in May, matching the highest level in the past two years, and are well above year-ago levels, according to the National Association o

Certified HAFA Specialist (CHS) The Treasury department recently announced several changes to the Home Affordable Foreclosure Alternatives (HAFA) program to make the program accessible to more borrowers and properties.

Lets start looking together.

Riddle us this: What do you get when you have historically low interest rates and low housing prices...? Take a peek at our latest One Cool Thing infographic to find out - then share it! http://on.car.org/MKQy9B

Don't pass this one up! Call now for a showing!

For Sale: 35712 Filaree Ln., Murrieta, CA Home for Sale at 35712 Filaree Ln., Murrieta CA. 3 bedrooms, 2.5 bath home in Riverside county.

HUD Home for sale in Temecula, call us for a showing.

For Sale: 40442 Chauncey Way, Temecula, CA Home for Sale at 40442 Chauncey Way, Temecula CA. 4 bedrooms, 3 bath home in Riverside county.

Buyer's or Seller get $250 towards closing fee's if you close escrow by end of June 2012.

6 tips for a painless closing - MSN Real Estate Closing on a house can be joyful or horrific. Follow this advice for a smooth settlement.

H & M Realty is now approved to assist you in Purchasing a HUD Home. HUD Homes are no longer only "Fixer Upper" homes. They are also homes that may be just a few years old with Beautiful Granite Countertops and New Carpeting or Tile. Take a few moments to view their website and give us a call at (951) 234-7955 with any questions. Have a Great Day!!

Why now is a good time to buy a home

money.msn.com

If you need to talk to a lender please let me know I have a few that I work with that I can refer to you.

12 mortgage tips for 2012 homebuyers - MSN Real Estate As mortgage rates hit record lows, now is the time to snag the best deals. Here are tips to help savvy borrowers.

What to expect at closing - MSN Real Estate Who are all these people with their hands out? Do I really need them? What’s it going to cost me? Here's information to help demystify the closing process – and all those fees – when you buy a home.

Existing-home sales post third gain in 4 months

Daily Real Estate News Increased demand from investors and first-time homebuyers helped boost existing-home sales in January -- the third increase in the past four months, the National Association of REALTORS® reported.

It's now time to do some work around the house gang.

February home-maintenance checklist - MSN Real Estate The transition between winter and spring is the time to get a jump on moisture damage and heat loss, make quick work of organizing storage areas and work in some garden prep before spring.

More good news for Buyer's

Mortgage rates to stay low for most of 2012 - MSN Real Estate Rates will likely stay below 5% for at least the first half of the year, industry experts say.

2012 Forcast

Real estate horizon looks a bit brighter in Southwest Riverside Consumer confidence is up a tick, the unemployment picture is improving a bit and foreclosures are down from a year ago – all good signs that the real estate picture in Southwest Riverside County continues to improve in 2012.

Good news for Buyers

Freddie: Low Mortgage Rates to Hang Around Next Year Freddie Mac predicts mortgage rates will remain very low at least through mid-2012.

If your landlord is facing foreclosure, stay put - MSN Real Estate December Rental Advice: Just learned your landlord is going bust? Try not to panic. Even if buyers try to hustle you out, the law protects your right to stay. Find out what the laws are in your area.

This could be the best time to Refinance your home loan.

Home Affordable Refinance Program (HARP) The official government website for the Making Home Affordable Program. Learn how Making Home Affordable can help homeowners avoid foreclosure.