George L. Duarte

Mortgage Loans Fremont California Horizon Financial Associates

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Horizon Financial Associates

We are a full-service mortgage brokerage serving the San Francisco East Bay Area in Alameda and Contra Costa counties. We are pleased to be your comprehensive source for all of your home financing needs – from a first home, to investment property, construction loans, cash out refinances, equity lines of credit and reverse mortgages.

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Important Relationships During The Home Buying Process

October 29, 2021 by George Duarte

Important Relationships During The Home Buying ProcessPurchasing a home is an exciting time, but there is also a lot to manage. There are a lot of text messages, phone calls, and emails coming in. It is important for potential homeowners to keep them straight. Who are some of the most important people during the purchase process?

The Real Estate Team

First, there are going to be a lot of important people on the real estate side of this transaction. Every home buyer should work with a real estate agent who can help them assess the market, arrange showings, and find the right home. There might also be interactions with other agents along the way who represent sellers. Keep in mind that there may be assistants, secretaries, and other agents who are part of a real estate team.

The Mortgage Team

The vast majority of potential home buyers require financing. Therefore, there will be multiple people who work on the mortgage side of this transaction as well. There will probably be a loan agent, an underwriter, and multiple assistants who navigate this side of the process. The mortgage team might also be responsible for arranging a home inspection and asking for a home appraisal. Potential home buyers might have to work with these individuals as well. 

The Closing Team

If an offer is accepted, there will be a closing team as well. A real estate attorney will probably be required to process the documents. Therefore, a potential home buyer should be expected to work with multiple people from the law firm as well. The real estate attorney is responsible for collecting funds from all responsible parties and disbursing the money appropriately. There will probably be multiple assistants in the real estate attorney’s office who will be asking for information. 

Keep These Relationships Straight

There is a lot that happens during a real estate transaction, and it is important for a potential home buyer to try to keep these relationships straight. Remember that the real estate agent should always be the first point of contact with any questions or concerns. A real estate agent probably has connections throughout the area that can help home buyers make this process easier. Nobody has to go through this process alone. 

 

Filed Under: Mortgage Tagged With: Mortgage, Real Estate Attorney, Relationships

The Top Ways To Add Storage To A Home

October 28, 2021 by George Duarte

The Top Ways To Add Storage To A HomeThere are many homeowners who are looking for help with storage. Even after moving in, many homeowners still have a lot of items they need to get rid of and this is where built-in storage solutions can be helpful. Even though some storage options might be pricey, there are inexpensive options available as well. Take a look at a few solutions below, and improve the storage situation. 

Use Space Under the Stairs

One option that many homeowners overlook is the space under the stairs. If there is a second story, there may be an area under the staircase that looks like a storage space. There should be plenty of opportunities to add a bookcase, a shelf, or even a cabinet. Even a few drawers can make a significant difference. 

Consider Going Under the Bed

Another option is to use storage space under the bed. If the bed is on a frame, there should be room to add a box or two. This could be a great way to create more storage space in the bedroom without adding another piece of furniture. There might even be opportunities to put the bed on risers, creating even more room underneath the bed. 

Use Tilting Drawers

Homeowners may want to get creative by adding tilting drawers. If there is an awkward location in the kitchen, a hinge solution might be the answer. What this means is that it is possible to pull the door out of the drawer and create additional storage inside the area. This is a great way to hide a garbage can or a recycling bin. Most contractors can add this type of storage relatively quickly. This could also be a great solution in the bathroom. 

Take Advantage of Sliding Storage

Homeowners also need to take advantage of sliding storage. This is a great way to get more room out of narrow spaces. For example, there might be room in the kitchen to add a sliding shelf that doubles as a spice rack. One possible location is the area between the refrigerator and the wall or counter. There might also be a small spot between the bathtub and the wall, which could act as a great shelf for linens.

 

Filed Under: Mortgage Tips Tagged With: Closet Storage, Mortgage Tips, Storage

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George L. Duarte

MBA, CMC, CMHS
Call 510.377.9059
Fremont, CA

California DRE Corp Lic no. 01032295
DRE Personal Brokers Lic. No. 00943635
NMLS Corporate Lic. No. 302358
Personal Lic. No. 302219

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