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Macy's Shop for the Cause this Weekend!

by Rob Zwemmer

This Saturday, August 25th Macy's will be holding Shop for the Cause benefitting Olive Crest.  If you show up at Macy's between 10am and 3pm Olive Crest's Development Coordinator, Angela Allen, will be selling 25% off shopping passes for $5.00 and all proceeds go right to Olive Crest.  In addition to the shopping pass, you will be registered into a raffle.

What is more fun than shopping?  Shopping for Olive Crest!

If you would like to learn more about Olive Crest and what it does for our local community please visit their website www.olivecrest.org.

We hope to see you there!

Advice for the Condo Buyer

by Rob Zwemmer

Advice for the Condo Buyer

Perhaps you are entering into the Real Estate market for the first time; downsizing from a larger home as you get ready to retire, or simplify your lifestyle. Many look to the advantages of owning income property they can rent while values rise over time. Here are a few tips on buying a condominium. Condos typically are relatively lower priced than other types of properties available on the market, offering a great starting opportunity when embarking on homeownership. In most cases, you will have the advantage of paying less for your condo than for a single-family home. They tend to require lower maintenance, with practically zero yard work and a more compact, efficient and manageable floor plan. Seniors and young professionals with busy on-the-go schedules seek condo living as the most practical and ideal living solution. As with any property deal it is important to enter into the process with the right advice, ensuring all aspects go through smoothly and you know what to look for when selecting a condo. Confer with a lawyer as well as your realtor to be cautious of any potential legal difficulties that can occur during the acquisition process, and be informed of any local bylaws, the minimum age for residency in the community, etc. Be sure to have a budget in hand so you know exactly what you can afford, and be able to narrow your search, touring only properties matching the criteria. Your budget should comprise price of the property, moving costs, lawyer fees, taxes, and closing costs. Have a realistic idea of what kind of property is right for you. If you are looking for an investment property, think about purchasing a condo with more than one bedroom. Visit the property you are interested in at least twice and at different times of the day to get a general feel of the neighborhood’s noise and activity levels, etc. An important point to consider is the parking provided on the property. Many townhomes have private enclosed garages attached to the dwelling; condominium parks usually provide covered parking spaces, private car ports or parking lots with reserved spaces for the homeowners. If you live in a big city and rely strictly on public transportation, you can always rent out your space for added income. It is important to check with the homeowner’s association to make sure you are allowed to rent out the condo or the parking space. You will receive the CC&Rs  (Covenants, Conditions and Restrictions) to follow upon acquisition of your condo.

365 Things to Do in Palm Springs

Dog Spa Resort & Wellness Center

You and your best friend have a destination… an experience waiting to enjoy at the Dog Spa Resort and Wellness Center in Desert Hot Springs. Nestled in the city known for its natural hot mineral spring water, this getaway retreat offers a perfect weekend to relax and spend quality time together. The beautifully landscaped grounds provide the backdrop for those seeking a healthier lifestyle and the time to rejuvenate. It is an intimate spot with just eight cozy rooms with beautiful views of the natural desert that surrounds the property. Each room has an adjoining café kitchen and French doors that open up to a secluded pool and spa. A private dog park and a campsite fire pit is ablaze to add ambiance to nights under the stars. When the human members of the party want to go out for a tour of Palm Springs, a pet nanny is available to keep your dog company.


Learn a lot about healthier living and how to maintain general wellness for you and your dog. Pet health and wellness consultations are offered by holistic veterinarian, Paul Terifaj, DVM. A 45-minute pet health consultation includes a review of your pet’s medical records, a physical exam, an overview of diet and recommendations to improve general health with use of supplements, etc. You can tap into your own body’s natural healing abilities by learning more about eating whole foods and the benefit of natural supplements in a diet. All of the benefits of a naturally healthy lifestyle are covered.


For more info, call the Dog Spa Resort and Wellness Center at: 760-600-0246.

365 Things to Do in Palm Springs - Old Spaghetti Factory

by Rob Zwemmer

365 Things to Do in Palm Springs

The Old Spaghetti Factory

 

It started back in 1969 and quickly spread to various locations around California, and then throughout US. Now we can boast the Old Spaghetti Factory as one of our own. Located at the old Bing Crosby restaurant site on Hwy 111 in Rancho Mirage, the property has been transformed with the unique Victorian furnishings that helped make the Old Spaghetti Factory famous— from carved queen bed headboards fashioned into booths to an actual cable car that you can sit in while dining. Just like it sounds, spaghetti is the main attraction, but many opt for their fresh entrée salads (you have to try the chicken Caesar) or the delectable chicken marsala or spinach and cheese ravioli…to name a few. Appetizers include irresistible selections such as Sicilian garlic cheese bread served with a side of marinara sauce for dipping, toasted cheese ravioli and fried zucchini. Signature Selections are garlic mizithra chicken penne, garlic shrimp fettuccini, gourmet jumbo crab ravioli, and during the dinner hour a scrumptious baked chicken dinner. You’ll find all the classics including pasta with Sicilian meatballs, white clam sauce, Italian sausage, mushroom sauce and the special pot pourri, a sampler of Mizithra cheese and browned butter, meat, clam and marinara sauces creating a real medley of flavors. Factory platters are available when you’re really hungry with two different entrees combined. The list goes on at the Old Spaghetti Factory from lasagna to spinach tortellini, so you won’t know what to choose. When you’re ready for dessert the list is short and to the point… mud pie or chocolate mousse cake, which you will probably have to take home for later. The Old Spaghetti Factory is open for lunch or dinner, so you can satisfy your cravings for fine Italian food almost any time of the day. Senior and kids’ specialty menus are available as well as gluten-free pasta.

Bighorn Golf Club

by Rob Zwemmer

Bighorn Golf Club is located in the foothills of the Santa Rosa Mountains in Palm Desert above the valley floor and is regarded as one of the top luxury golf communities here in the desert.

Yet close to the shopping and restaurants on El Paseo

Bighorn Golf Club members can take advantage of the fitness center, spa, salon, tennis, a variety of dining options and a full calendar of events that offers members the opportunity to play, compete or socialize. Bighorn offers a variety of luxury custom and semi-custom homes and custom lots.

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About Mortgage Lock-ins

by Rob Zwemmer

After you have shopped around for the best interest rate with the lowest points and lowest up-front charges from the perfect lender, you will want to secure a mortgage lock-in, ensuring everything you requested from the lender is actually what you will receive at settlement. A lock-in, rate-lock, or rate commitment is a promise by the lender to hold a set interest rate and a set number of points—usually for a specified period of time— while your loan application is in process. Depending upon the lender, you may be able to lock-in your interest rate and points when filing for an application, during processing of the loan, and when the loan is approved or thereafter. Lock-ins protect you against any rate increases while the application is being processed. Mortgage rates have been inching higher, so the lock-in agreement freezes the terms of the loan potentially saving you thousands of dollars over the life of the mortgage. For borrowers who are refinancing, a lock-in is an all-important step, when even a quarter of a percentage point could send the calculations into a less desirable scenario. Lenders typically grant loan rate guarantee agreements when a borrower has a purchase agreement, and a few will provide them to those who are preapproved for a mortgage. Get a copy of the rate lock agreement up front from the lender to help you understand how the process works. A loan lock fee to reserve an interest rate depends on the duration of the lock and the amount of the loan… the longer the lock period, the more costly it can be. Some lenders offer free lock-ins, but for a short 30-day duration. Most lock-ins range from 30 to 60 days, with some lenders providing locks up to 6 months. You can skip a rate lock-in, or delay taking one if you are unsure when the home purchase will close. If your loan doesn’t get approved, or the sale falls through due to a failed home inspection, etc., most lenders will refund the lock fee. Mortgage rate lock-ins provide buyers with peace of mind and one less thing to worry about during the application process!

365 Things to Do in Palm Springs - Palm Springs Celebrity Tours

by Rob Zwemmer

365 Things to Do in Palm Springs

Palm Springs Celebrity Tours

 

When in Palm Springs, take the “Grand Tour” offered by Palm Springs Celebrity Tours. This wildly popular excursion takes you to the homes of your favorite Hollywood stars. Back in the day when actor Charlie Farrell started the Racquet Club with fellow actor Ralph Bellamy, Palm Springs became Hollywood’s favorite getaway destination. Marilyn Monroe was discovered at the Racquet Club, and practically every glamorous movie star you can name called it their favorite hangout. As time went on more and more stars bought homes and many retired here, including recent US presidents. Palm Springs Celebrity Tours has been in business for almost 50 years, taking pride in setting the standard of local “entertainment, enlightenment, enjoyment, education and enthusiasm”. Tours last about 2 ½ hours on a motor coach with only star-studded destinations on the GPS. You’ll visit and get to know the neighborhoods of the Old Movie Colony, Las Palmas, Racquet Club Estates and various locations they have deemed as “top secret”. Everything you ever wanted to know and more will be covered during the tour, including trivia like “Why couldn’t Frank Sinatra and Sonny Bono be buried in Palm Springs?” Trivia, answers to your burning questions, and much more will be revealed during your Palm Springs Celebrity Tour, discovering more than 50 star homes and a few rarities and oddities including the House of Wax property and the “Home in a Hole.” You’ll also be treated to the best date shake in town. The bus departs from their office on Monday, Tuesday and Saturday at 9 a.m. Hotel pick-ups/drop-offs available at Palm Springs and Cathedral City locations. Summer Hours feature tours on Tuesday, Wednesday and Saturday at 9 a.m. Make your reservation at 760-770-2700.

Real Estate Liens

by Rob Zwemmer

Real Estate Liens

Liens on Real Estate are claims made against property in order to secure payment of a debt. A debtor who owes money to a creditor and falls into arrears can have that creditor place a lien on their property for the value of the money owed. The property becomes collateral—a potential source of payment—against the debt amount. There are several types of liens in real estate. A property owner can place a mortgage lien on their home; pledging it as collateral for the mortgage loan to secure funds they may need for home improvements or other personal reasons. Involuntary liens are placed by a government unit if property taxes are not paid. A mechanic’s lien is placed if construction work is performed on the property and not paid upon completion. Any judgments for outstanding debts awarded by a court of law can also be attached as a property lien. To release a property lien, you need to satisfy the debt with a complete pay off of the amount. Once the financial obligation is paid, the creditor must release the lean immediately… a judgment, however, may automatically become void after twenty-five days resulting in a release of the lien by operation of law. A lien release gives all parties notice that the creditor no longer has any legal claims to the debtor’s property. A creditor will need to follow the specific notice requirements to file for a valid, legally binding lien against the debtor’s property. Requirements do vary from state to state. Filing certain legal documents with a court, recorder’s office or county clerk’s office may be the first step, with a file then attached to the land record. If you discover a lien has been placed on your property in error, consult an attorney immediately to investigate. If you find the debt is valid, pay it off immediately or have your attorney negotiate a lower payoff amount. Request the lien holder to sign a Release-of-Lien form in the presence of a notary public; you can download a form online or pick-up one from your county clerk’s office. File the Release-of-Lien form at the county recorder’s office, making the transaction a matter of public record, and keep a copy of the form in a safe place.

365 Things to Do in Palm Springs - Boomers

by Rob Zwemmer

365 Things to Do in Palm Springs

Boomers!

Family fun for everyone at Boomers! Cathedral City. Whether you are into extreme or just hanging out there’s an activity and attraction to suit every adventurer. Boomers! Minature Golf Courses present challenges for all ages. The courses are complete with wild water features, lush greens and wacky windmills to create an environment of fun and friendly competition. Balls and putters are included. Head out on the track and rev up a hi-octane, hi-performance Go Kart. You’ll maneuver around hairpin turns and roar down straight-aways that guarantee excitement and exhilaration. The go-fast Go Carts fuel the fire in every budding speed demon. Bumper Boats are a virtual Demoltion Derby on the high seas. Take a cruise in a boat with its own water cannon and glide full speed ahead for a broadside collision that’s not scary at all, just a thrill every minute. Test your strength and resolve on the 32-foot Rock Wall as you attempt to scale it all the way to the top. You can pick your path and hold on tight as you ascend to greatness. Gamers are in luck at Boomers! There’s a variety of all the latest, state-of-the-art games to keep you engaged for hours. There’s dancing, horseracing, snowboarding and interaction with big-time sports in this virtual reality game room. Boomers! is located in Cathedral City on E. Palm Canyon Dr. Call them at (760) 770-7522 for more info.

Negotiating the Real Deal

by Rob Zwemmer

Negotiating the Real Deal

You’ve done the research, you’ve been searching for the perfect home for weeks, and now you are ready to place an offer on the dream home. Now the questions begin. How much do you offer the seller... and is it really how much you offer or how you offer? First determine what a reasonable market price is for the home you want to buy. Your agent can run a Comparable Market Analysis on comparables that have sold in the neighborhood. You may want to run numbers for the past year; appraisers use the last six months when figuring appraised value, but it would be to your advantage to have a detailed trend report. You will be able to examine how prices have reacted so you can be assured your investment will be protected in the long run. You and your agent will compare the condition, location and amenities of similar properties that have already sold plus the current market competition of other homes for sale in the area at that time. After this analysis you can be assured you are offering the right price that you are willing to pay. Communicate with your agent and let them know if you want to negotiate below price, or if you are willing to pay the asking price if you don’t want to risk losing it to another buyer. Most agents will try and negotiate a below market sales price for you, but only you can determine how you might feel of you lost this home to another buyer just because the difference of a few thousand dollars. If you really want this deal, let your agent know so he can plan his negotiating strategy accordingly. In effective negotiating you need to identify what is most important to your seller. Find out why he is selling; because of a divorce, job loss or relocation, foreclosure, downsizing their lifestyle, etc. This will give you insight as to what they may be willing to accept or willing to trade off. Once you have determined the seller’s probable motivation then it is time to position yourself so that you can give the seller what they want and you get what you want, the lowest possible price.

Displaying blog entries 1-10 of 12

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