October 28th, 2015

Ways to light up your kitchen

Posted by at 4:41 pm

  If the house is the castle, then the kitchen is the Great Hall — the central meeting place, project space and social hub. It should radiate the character of the home. Maybe it’s time to lighten up! One of the best ways to boost the mood of the room is to make some bright little changes. In the kitchen, choosing the right combination of lighting and color scheme can make every day seem like a morn in spring. See the light Today’s kitchens aren’t just for cooking. More and more modern designs and remodels just do away with walls, bringing kitchen and dining right into the living space. And that means the old mainstay – the super-bright light fixture right in the middle of the kitchen ceiling isn’t going to get the job done. Unless it’s a police interrogation...
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October 23rd, 2015

Bay makes a big impression at NAHREP

Posted by at 11:15 am

  Bay Equity Home Loans had a strong opening act at the 2015 National Association of Hispanic Real Estate Professionals (NAHREP) convention in Chicago. Hispanics accounted for 320,000 of household formations in 2014, a full 40 percent of the U.S. total, and part of Bay Equity’s Core Values is a commitment to understand the communities it serves, said Raul Espinoza, Senior Vice President of Sales for Bay Equity’s Private Client Group. Espinoza, who also serves on the board of governors for NAHREP, sat on a panel discussion on best practices for engaging the Hispanic community through outreach and education. “Our partnership with NAHREP has been invaluable in understanding the Hispanic homebuyer and will continue to lead us to great opportunities in new markets,” Espinoza said. “The U.S. Hispanic population has the purchasing power of $1.5 trillion – roughly equal to...
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Happy Holidays new home buyers: It’s tax time

Posted by at 11:15 am

  For all who bought homes this year, property taxes usually come due in the middle of fall. For most, an escrow account has been established, and each month, a portion of the mortgage payment will be deposited there to cover the property tax bill at the end of the year. But the arrival of the property tax bill, like fall itself, serves as both a harbinger of the Holiday season, and of federal and state taxes due right around the corner. Instead of grumbling about taxes, look a little deeper. There are some nice tax break gifts under the tree. These breaks are available for any type of home, be it mobile, single family, townhouse or condominium. They’re an item The first question to ask is whether to itemize your deductions. For the majority of non-homeowners, the standard deduction...
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