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Napa Valley Real Estate Information

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e s t a t e a g e n t s

d o .

G e t R E A L T I M E

i n f o r m a t i o n

2 4 / 7 .

Y o u r e m a i l

a d d r e s s i s a l l t h a t

i s r e q u i r e d .

Max Price: 500000

Min Price: 100000

Min SQFT: 0

Bedrooms: 2

Min Baths: 0

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Welcome to mywebsite.

C a l l J u d y : ( 7 0 7 )2 6 6 8 2 1 1 , e x p e r ti n N a p a V a l l e yr e a l e s t a t e . ”

Search out the latest MLSlistings of homes for saleby using the SEARCH FORM(above, right)Receive ongoing newestMLS listing of homes forsale 24/7 by filling out acontact-alert form you seeabove to the left.Explore my newsletters forup-to-date information onthe housing market in Napa(see snippets below andarchived articles to theright).Follow me on Facebook andTwitter.

R e c o m m e n d a t i o n s PDFmyURL.com

R e c o m m e n d a t i o n sf o r t h o s e l o o k i n gf o r a h o m e f o rs a l e i n N a p a o rf o r t h o s e w h ow a n t t o s e l l ah o m e i n N a p aV a l l e y :

“ I can’t recommend Judyhighly enough. She is a trueprofessional.” “ I highly recommend herservices. Without herexperience and caring itwould have been much moredifficult. Thank you Judy! ““Her grasp of the processand paperwork isphenomenal, she is just anexcellent Realtor. She isalways my recommendationto anyone who asks.”” (Judy) helped me buy ahome. She is a greatperson! Very trust worthyspecial for first timebuyers. She explainedeverything thoroughly andmade me feel comfortable.Thank you Judy!”“I’ve known Judy for over

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Can You See theSavings?

Ifyou’ve

31 Dec 2013 / in Uncategorized / by Judy

Naimo

10 years. I rate her 5 starsout of a 5 stars. Why sohigh? Judy cares and hasproven herself, not only inwords but by her actions.”“Judy Naimo knows theNapa Valley real estatemarket as a resident andrealtor for over 30 yearsand can be trusted to giveyou the best advice inregards to your buying orselling decisions ofproperty in the valley…extremely knowledgeable,trustworthy and pleasant towork with. If you arelooking for a realtor foryour transaction orsomeone else, I wouldstrongly recommend Judy.”

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considered changing your lightbulbs to energy-saving LEDbulbs but decided not to makethe investment because theprices were too high, youmight want to investigateagain. The prices have comedown considerably.

An initial investment now willgenerate immediate returnsthrough energy costs andbecause they last longer, youwon’t need to replacethem for years.

The life of LED bulbs isprojected to be from 35,000to 50,000 hours compared toan incandescent bulb at 750 to2,000 hours. For normal homeuse, a LED bulb could last

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more than 20 years.

80-90% of the energy used byfluorescent and incandescentbulbs is wasted by the heatgenerated. In contrast, coolLED bulbs converts 80% ofthe electrical energy to lightenergy.

• The color of LED lightsis bright white, more likedaylight, instead of thewarm yellow ofincandescent or thegreenish tint offluorescent bulbs.

• LEDs light up instantlyinstead of building totheir intensity like someof the fluorescent bulbs.

• LEDs are more durablebecause they don’t havefilaments or thin-glassbulbs like incandescentand fluorescent bulbs.

Shop around to find the bestprice on LEDs. If the LED only

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lasted 20,000 hours, youmight have to purchase 20incandescent bulbs during thatsame period of time. Usingthe chart below, you can seethat the LED uses about 10%of the wattage withoutcompromising on thebrightness.

W H A T N A P AH O M E O W N E R SS H O U L D K N O W

Who’s PayingYour MortgageFor those considering oralready have aresidential home as a

rental, learn the details. PDFmyURL.com

Real Estate 411

Judy is open to your calleven when you aren’tbuying or selling a home.

Curious?

Why BorrowersPay DifferentRatesHave you wonderedwhat factors determinethe mortgage rate thatyou qualify for? Learnthe details about theimportance that yourcredit score and incomestability has on lenders’calculation of your

mortgage risk here.

Lower Anxietiesand ImproveMarketabilityA helpful discussionabout the advantages toa seller of having ahome inspection beforeputting their house on

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the market and forincluding a homeprotection plan as partof the sale. Interested

in the details.

Rating Your BestFriendWhile there is so muchthat owning a dog bringsto you, do you knowwhat the impact is onyour homeowner’sinsurance premium?Why? Dog bites now cancause losses of overone billion dollars a

year. Get the details.

Don’t Do It:

Between the time youroffer on a home hasbeen accepted and thetime the final papers aresigned and fundsdistributed, there is along list of Don’tsprospectivehomeowners need to

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check over. In short, youshould do nothing thatchanges your credit orfinancial picture. The list

here.

Equity Dynamics:

Equity, in short, is theamount of your home’svalue that is yours.While a homeownercan’t do as much aboutthe value of a home(depending on thehousing market andcapital improvements),here are suggestions onsteps you can take toincrease your equity.

Explore the details.

Who-is-My-Agent:

“Who is My Agent?” Inthe process of buying ahome it’s important toknow the loyalties ofthe professionals youencounter and whosehelp you enlist. Learn

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more about why yourreal estate agent is theone professional whohas your needs andgoals as the firstpriority in the

purchasing process.

The MortgageInterestDeduction:A detailed history of themortgage interestdeductions is described.“Lenders are notconcerned if they aremaking a tax deductiblemortgage on a home.They want to make surethere is sufficient equityin the property tosecure the mortgageshould it have to beforeclosed. Ahomeowner shouldconsult with their taxprofessional if there is aquestion aboutdeducting the interest

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on their mortgage.”

Read the details here.

The Rules for realestate investmentare:1. Invest now to get

more in the future.2. Real estate is an

IDEAL investment.3. Invest in single familyhomes in predominantlyowner-occupiedneighborhoods at orbelow average price

range.4. Location, location,

location.5. Understand yourstrategy – buy and sell,buy and hold or buy, rent

and hold.6. Know where yourprofit is coming from

before you invest.7. Profit starts with

purchase.8. Risk is directlyproportionate to the

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reward involved.9. Avoid functionalobsolescence unless youhave a plan before you

buy.10. Good property +good tenant + goodmanagement = great

investment. .11. Problems leftunresolved have a

tendency to get worse.Details can be found inthe full article here.

About Judy NaimoLicense #00827675

Office LocationsJudy Naimo, REALTOR®

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Judy Naimo, REALTOR®, 1461 Sumner

Avenue, Napa, CA 94558, (707) 266-8211

780 Trancas

Napa, CA 94558

1126 Adams StreetSt. Helena, CA 94574

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