Latest Event Updates
To protect consumers, the Household Movers Act requires that those who transport household goods over California’s public roads for compensation be licensed by the Bureau of Household Goods and Services (Bureau).
Doing business with an unlicensed mover can lead to substantial financial consumer harm. This can range from delayed delivery, missing or damaged items, and in the most serious cases, belongings that are held until the consumer agrees to pay more money. In some instances, consumers pay double or triple the initial agreed upon price only to never again see their belongings. Many of these movers deliver the household goods after the Bureau intervenes, however, the consumer must pursue civil remedies to recover any extra money paid to the mover.
It’s also important to be aware that any person or business that provides moving services for compensation , even if they present themselves as operating a different type of business, must be licensed. This includes restoration companies and storage delivery companies.
For more information about who must be licensed, please see the Bureau’s publication “Moving Household Goods Who Is Required to Hold A Permit?” risk. To ensure that any mover is properly licensed, use the Bureau’s license lookup. If you have any questions about the permitting requirements related to movers or how to protect yourself from unscrupulous household movers, visit the Bureau of Household Goods and Services website or call (916) 999-2041.
Refinancing your mortgage is something most homeowners consider at least once throughout the lifespan of their home loan. It allows you to pay off your previous loan by applying for a new one that has better financial advantages. While there are many good reasons to refinance, here are five common ones.
- Scoring a lower interest rate. The number one reason homeowners decide to refinance is to secure a lower interest rate on their mortgage. Not only does this save you money in the long run and decrease your monthly payment, but you can start building equity in your home sooner.
- Using an improved credit score. Even if interest rates have not dropped in the market, if you’ve improved your credit score over the last few years, you may be able to reduce your mortgage rate.
- Shortening the loan’s term. If interest rates are decreasing, there is a chance you may be able to get a shorter loan term with little to no change in your monthly payment, allowing you to pay off your loan sooner.
- Switching from an adjustable rate to a fixed rate. If you chose an adjustable-rate mortgage with great introductory rates when you initially financed your home, that rate may increase significantly over the years. By switching to a fixed rate while interest rates are low, you can protect yourself from future increases.
- Cashing out home equity. If there is a big purchase or payment on the horizon, such as funding a wedding or going back to school, your best option may be to use the equity you’ve built in your home to borrow money at a lower cost.
The sweeping changes that California is hoping to bring to housing with the new Accessory Dwelling Unit (ADU) legislation is big news and could alter the way we live in our homes and the aesthetics of our communities in a massive way.
Turning single family homes on tract lots into Triplexes? No more garage parking? Where will all the stuff go? I guess renting out the garage would surely cover storage and more.
Good or bad? I’m sure as with everything in California…it will depend on who you ask.
Top 10 Mistakes Made by For Sale By Owners (FSBO’s)
• Accepting the buyer with the highest offer without regard to the other contractual terms.
• Not properly handling multiple offer situations with multiple buyers.
• Not properly handling back-up offers.
• Entering into an agreement with no earnest money deposit from the buyer, or a very small amount.
• Entering into an agreement before verifying the buyer’s financial ability to close escrow.
• Not disclosing known material facts affecting the value or desirability of the property.
• Not providing the buyer with legally required disclosures.
• Not obtaining the buyer’s written acknowledgement of disclosures.
• Not considering whether to require the buyer to remove contingencies.
• Not excluding items from the sale that the seller wants to keep.
Need the best way to sell for the highest price and the lowest stress level? Hire a professional team to guide you and do the heavy lifting! No obligation and No pressure consultation available. Call or text April at 951-522-0518 or email at firstname.lastname@example.org Cal DRE #01235358