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Showing posts from September, 2019

買新房子,家裏油漆該如何選?

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房子過戶后, 客戶都會問我這個問題。 我不喜歡前房主之前定下的顔色。 打算重新涂涂墙,收拾一下 然後入住。 但我該如何找師傅,選用油漆牌子?該注意的事項是什麽? 關於以上種種的問題,我這裏就做個小總結。 這些都是我個人經驗和上網看其他師傅的經驗分享,好讓大家做個更好的選擇, 少走歪路。 1. 舊漆是否要刮掉? 舊漆如果是一九七〇年以前刷的舊漆!你就得刮乾淨!因為老漆含有鉛、重金屬對人體健康有害!現在的油漆全部已經不含重金屬,無毒。 2.油漆牌子有幾種選擇? 最好品質油漆叫著 Sherwin Williams 。這個牌子油漆價格貴一點、品質好濃、幾乎聞不到味道、粉刷一次、可以維持七八年以上不用再刷。 第二牌子 Benjamin Moore 。 是一般油漆工會指定材料!品質也不錯。這個也是高端油漆牌子,是很多裝修師傅推薦。  第三個油漆牌子!叫做 Kelly Moore 油漆相對來説比較稀、常常要刷兩道手續才能覆蓋舊漆!有點臭味!安摩尼亞味。但價格比較平明化。 有時,還有在Costco上面看到打折。 $60 for $100 Value 。 現在的油漆已經大致上都是水容性油漆、無毒、但是有的油漆會臭。它含有胺摸尼亞。買油漆時,需看桶子說明-千萬不要買有臭味油漆、尤其是要粉刷室內的。市面上有Zero VOC, zero Odor/Zero VOC, Low Odor等。强烈推薦大家去油漆專賣店多看看,多詢問店員。 3.裝修師傅手工如何,工錢如何計算? 在灣區,師傅很多,有韓國人,老墨,老中。 很多時候面試的師傅個個嘴巴吹的很漂亮、先報低價然後工程又轉包他人。工程品質無法保障、然後用各種理由加價!不給錢就停工。這些大家都是要小心,以避免糾紛。大家必須確認工程是由師傅自己動手做。  面試的問題如下: 一、舊漆是否要鏟除?把牆壁上的灰塵清除,弄乾净再上漆?底漆prime 是否粉刷? 二、油漆材料,材料是誰負責?什麼牌子?工程要刷幾篇?  另外,刷一道油漆!兩道油漆價格都不一樣! 三、粉刷室内墻,是否補牆裂痕修補洞?膠水Caulking誰買? 四 、粉刷室内,師傅是否會幫忙移走家具?如果是要移动家具是否會另外收费? 五、刷法不同!價錢就不同。可問問師傅是一什麽方式刷? 六。 垃圾費,誰負著? 個人經驗: 油漆

貸款新聞:Fannie Mae Predicts Two More Fed Cuts This Year

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Fannie Mae economists are forecasting two more quarter-point interest rate cuts by the Federal Reserve this year, expecting that the Fed will move to cut rates in September and again in December. That could bode well for lowering mortgage rates for the remainder of the year. Even though the Fed's short-term interest rate does not have a direct effect on mortgage rates, it does tend to influence them. Consumer demand for housing remains strong, Fannie Mae's Economic and Strategic Research Group notes in a recent report. However, limited inventory—notably at the affordable end—is inhibiting growth in the single-family housing market, the report notes. Fannie Mae's Home Purchase Sentiment Index surged to a record high in July as home buyers showed stronger interest in the real estate market. But even as mortgage rates near record lows, the limited availability of homes for sale is constraining growth, researchers note. "Though the current expansion recently be

給大家介紹:利用RSU收入貸款 & Amazon員工的特別貸款計劃

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低房屋贷款利率和强劲的就业市场推动住房屋市场. 現在正值買房的好時機。 想用RSU Income 去貸款買房嗎?我們有特別的貸款計劃給您。 請打電話 Katty 408.386.1530 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫:408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/

Non-QM Asset Depletion_Borrowers with liquid asset but non-traditional income

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我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫:408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/

FREE Annual Credit Reports

You've found your dream house. Are your credit reports ready? AnnualCreditReport.com is the only official site explicity directed by Federal Law to provide them. People with good credit should check their credit report annually to ensure information stays accurate. Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date. Website:  https://www.annualcreditreport.com/index.action For more information, please contact: Realtor & Loan Officer 我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫:408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/

Alternative Income Documentation: WVOE; CPA letter, P&L, Business license; No tax return

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我是全職房地產經紀。如果您還有任何貸款 灣區房地產問題 請聯繫:408-386-1530 電郵: kattyrealtor@gmail.com Wechat: katie_w0 DRE#: 02032778 NMLS#:1494343 Googain Inc. dba MaxReal Website: https://www.kattyrealtor.com/