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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The Top Questions Everyone Should Ask Before Renovating A Home

October 23, 2020 by George Duarte

The Top Questions Everyone Should Ask Before Renovating A HomeThere are a lot of people who are looking to improve the home in which they live. One of the top ways to do this is to renovate the building; however, it is also important for everyone to make sure they know exactly what they are doing before they get started. There are several questions that everyone should ask before they start a home renovation project.

Is The Home Worth Renovating?

One of the top reasons why people renovate a home is that they think this is going to increase the value of the home. While this is certainly possible, everyone has to run the numbers and make sure they are either going to recoup their investment when they sell the home or that they are going to be in the home for a long time before they sell it. If the home is worth renovating, then it is fine to proceed.

What Is The Budget On The Renovation Project?

Next, it is also important for everyone to know what the budget is one the renovation project. Remember that there are always going to be expenses that are not foreseen, so be sure to include some room at the top in case the contractors come asking for a budget increase. They almost always do.

What Are The Offers On The Home Renovation Project?

Finally, it is also important to collect multiple offers. Talk to designers, contractors, and architects. Collect a few referrals. Then, talk to all of these individuals and see how much money it is going to cost to complete the project. This is one of the top ways that everyone is able to save money on their home renovation projects and make sure they get exactly what they asked for when the project started.

Answer These Questions Before Starting A Home Renovation Project

By planning ahead of time, everyone is able to plan accordingly, making sure they know what they are doing before the project gets started. When homeowners take the time to plan a home renovation project, they increase the chances of the project being a success. This includes not only an aesthetically pleasing project but a wise financial investment as well.

Filed Under: Mortgage Tips Tagged With: Home Budgets, Home Renovation, Mortgage

Junk Drawer Organization Ideas That Will Help You Avoid Stress

October 22, 2020 by George Duarte

Junk Drawer Organization Ideas That Will Help You Avoid StressAt home, everyone has something they wish was just a little bit cleaner. For many people, this is the junk drawer. The kitchen drawer is crammed with who knows what simply has to get better organized.

This could include loose batteries, old cellphones, and even matchbooks from restaurants back when that was still a thing! The good news is that there are ways to clean up this junk drawer and turn all of that chaos around!

Rename The Junk Drawer

First, it is important to rename the junk drawer. If the junk drawer is called a junk drawer, then it is going to take on the personality of a junk drawer. Instead, call it something else. If the drawer has a name, then it isn’t going to get so disorganized. This will also help people remember what is supposed to go in the drawer.

Start With A Fresh Drawer

Yes, this means that the drawer has to get dumped out. Take everything that is in there, throw it on the floor (or the countertop) and see what is in the drawer. Then, figure out what has to be thrown away. This will help reduce the pile right off the bat. After this, see if there is anything in the drawer that can be placed somewhere else. Finally, all that should be left is what belongs in the drawer.

Make The Junk Drawer Pretty With Organizers And Nice Decor

Finally, think about ways to make the junk drawer appear more attractive! This could involve smooth little containers, dividers, or something else entirely! Think about using tools that can help divide the drawer into smaller compartments. This could help everyone keep the items organized. Once this is done, the drawer should have an entirely new appearance that will make the items easier to track.

Reorganize The Junk Drawer Following These Tips

These are a few of the top tips that everyone can follow to make their junk drawer just a little bit more organized. By putting these tips to use, everyone can find a way to make their house a bit cleaner. This can lead to a much less stressful living experience for everyone at home.

Filed Under: Organization Tips Tagged With: Home Tips, Junk Drawer, organization

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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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