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Kathy and Michael Rain - The Rain Team

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Coastside Buyers: Don’t Break These Real Estate Laws

by Kathy and Michael Rain - The Rain Team

If you are in the market to buy a home along the coast and you are not a lawyer, then you may have no idea that there are hundreds of real estate laws on the books. Here are a few commonly broken real estate laws that buyers make.  You may have accidentally broken one of these yourself and not even realized it.

Asking your Realtor the wrong questions

An experienced Realtor is there to work for you and you should feel comfortable asking them the ins and outs of the real estate process. While a good agent is one who is experienced in the area in which you are looking to move, there are a few questions they cannot answer. Real estate laws on the books prevent your agent from discussing things such as the economic makeup of a neighborhood, where the nearest religious facility is, or specific information about the school district.  This law came about as a way to prevent homebuyer discrimination.

Violating the First Amendment

The first amendment provides us with the right to privacy. It can be tempting when visiting an open house to bring out your cell phone to take pictures to capture the space or to remember which home is which after seeing so many. However, when going through those photos you notice the seller happened to be in the home and is in the picture. While it is highly unlikely that the seller will know you took their picture or be concerned about it enough to pursue legal action, it is a good idea to delete it as photographing an individual in their home without their permission is against the law.

Unsupervised Showings

You have found your dream home along the coast and you have placed a contract on it. Things are moving along as planned. You become aware that the soon to be previous homeowners have already moved out and the home is sitting empty ready for you to move in after closing.  However, that does not mean you can just stop by and start planning where you will put the furniture when moving day comes. Doing so would mean you are trespassing.  Until all the paperwork is officially signed and the keys are in your hands, do not access the home without your Realtor or without permission.

Committing Forgery

If you have purchased property before you know that it comes with an enormous amount of paperwork. With your busy schedule it may be hard for both you and your significant other to find time to both sit down together and sign all the documents. No matter how tempting it may be to speed things along by signing their signature for them, resist the urge. You may have thought it was okay since you had their verbal permission to sign for them, but it’s not okay. Unless you are the power of attorney for whom you are purchasing the property with, it is illegal to sign for them. Not only is it committing fraud to do so, it is also a felony.

If you are looking to buy or sell your coastal home, we’d love to hear how we can help you with your real estate goals. If you are contemplating selling your home find out how much it is worth with our online guide available here. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach,Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

 

Every Coastside Homeowner Should Have An Emergency Ready Kit And Here Is Why

by Kathy and Michael Rain - The Rain Team

Living along the coastside is the perfect place to call home, but we are at risk for emergencies just like many other places across the nation.  From earthquakes, floods, and fires to severe storms -  being prepared for these emergencies is a must for any homeowner. The Federal Emergency Management Agency (FEMA) recommends that everyone be ready for an emergency by having basic supplies in your home to allow you to survive for a minimum three days if there were to be an emergency.

On average it can take 72 hours for local authorities or relief workers to be on the scene after an emergency, which is why three days of supplies is recommended.

Here are a few essentials to purchase and have on hand in case of an emergency.

  • Flashlight and extra batteries

  • A first aid kit

  • At least one gallon of water per person in your home per day for three days

  • Pliers or a wrench to turn off utilities

  • Emergency blanket

  • A whistle you can use to signal for help if needed

  • Matches stored in a waterproof container

  • Fire Extinguisher

Additional emergency items recommended to be on hand can be found in this downloadable form here from FEMA. If you are wondering what essential items should be in your first aid kits for an emergency the American Red Cross has provided a list here.

Assemble your kit now so you are prepared for any emergency that could occur. Unfortunately, there may be a time when you may  have to evacuate your coastside home in a moment’s notice and having essentials on hand ready to take with you could save your life.

As a homeowner take measures to keep everyone safe. If you have decided it’s your time to buy or sell a coastside home, our goal is to guide you through the process from the beginning to the purchase of your new home and beyond. Contact us today via email or give us a call at (650) 888-6903.

 

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon BayEl GranadaMoss Beach,Montara, and PacificaYour complete satisfaction with our service and representation is our number one priority. 

 

San Mateo County Starts The New Year With Strong Economy

by Kathy and Michael Rain - The Rain Team

San Mateo County welcomes in the new year with a strong economy and a hearty budget according to the most recent yearly county financial report for the fiscal year ending June 30, 2015. The county boasts the lowest unemployment numbers in the state and the housing market continues to remain strong with home prices continuing to rise.  

The report from the county’s controller indicated that the median price paid for single-family homes in the county continued to rise throughout the fiscal year up 12.8 percent to $1.3 million. Commercial real estate also saw an increase in rental prices with the average rent increase up 14.9 percent from the fiscal year prior.

A robust real estate market boosted San Mateo County’s income in the way of property tax revenue by $10.5 million. The county also received a $7.4million increase from sales and use tax, up from the year prior.

The report anticipates that the county will continue to experience a low unemployment rate and will see steady growth in gross domestic product. These indicators of growth in turn mean the county will continue to see an increase in income in the way of property tax revenue. The county has approved a budget of $2.5 billion from the 2015-16 fiscal year.

If you are looking to sell your coastal home in 2016, we’d love to help. If you are considering selling your home find out how much it is worth with our online guide available here. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach,Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

 

Coastside Events To Not Be Missed In December

by Kathy and Michael Rain - The Rain Team

The holiday season is officially here and there is no better place to live this time of year than along the coast.  With all the hustle and bustle of the season, don’t forget to take the time to enjoy some of the local activities happening this month.

Friday December 4 - Night of Lights

The Half Moon Bay Coastside Chamber of Commerce and Visitors’ will host its 16th annual Night of Lights. This free old fashioned holiday event will take place in downtown Half Moon Bay beginning at 6:00 p.m. Find out everything you need to know here.

Friday December 4 - King’s Joyful Singles

Head to the Martin Luther King Jr. Community Center at 6:00 p.m. in San Mateo to enjoy the annual King Joyful Jingles Jamboree. The evening will be filled with fun for all as the holiday season is officially kicked off with singing, entertainment, and a visit from Santa.  Learn more about the event here.

Saturday December 5 - Christmas in the Redwoods

Christmas in the Redwoods at YMCA Camp Jones Gulch is a great chance to enjoy a holiday celebration that is full of family activities, along with performances by the Hayward La Honda Music Camp. Don’t miss a special visitor from the North Pole. For more information about this free event visit here.

Saturday December 5 - Rockaway Beach Cleanup

Join others at 9:00 a.m. at the parking lot at San Mario Way, Rockaway Beach in Pacifica to help clean up the beach. Bags and gloves will be provided. Learn more about helping here.

Sunday December 6 – 12th Annual Gingerbread House Contest

The Ritz Carlton in Half Moon Bay will host the 12th Annual Gingerbread House Contest & Online Auction to benefit the Coastside Children’s Program, which supports local families.  Learn more here.

Sunday December 6 - Annual Holiday Tree Lighting Celebration

The Ritz Carlton in Half Moon Bay welcomes all to enjoy the lighting of their tree while enjoying holiday carolers, refreshments, and Santa Claus along their scenic Ocean Lawn.  Learn more here.

Friday December 11-Movies at King Center- Santa Clause

Bring the family and enjoy watching the movie Santa Clause at King Center at 6:00 p.m.  Don’t forget to bring your blanket or chairs. Learn more here.

Saturday December 12 & 13 - Holiday Festival of Dance - Celebrates 43 Years!

Enjoy this annual event that is co-sponsored by the San Mateo Dance Association and San Mateo Parks & Recreation Department.  More than 500 dancers from within the City’s Youth and Adult Dance Programs will come together to stage a theatrical holiday performance you and your family are sure to not soon forget. More details of this event can be found here.

Saturday December 12 - Harbor Boat Lighting at Pillar Point Harbor

View boats festively adorned for the holidays as they sparkle their lights at the Harbor Boat Lighting at Pillar Point Harbor. While there enjoy complimentary hot apple cider provided by Princeton Seafood Company. Learn more about the event here.

Coastside Restaurants Open Christmas Eve and New Years Eve

If you are looking to dine at one of the many fine coastside restaurants this Christmas and New Years Eve, visit here for a list of what restaurants will be open. If you are looking to score a deal on dining this holiday season check out these offers on Groupon.

Holiday Light Viewing

Spend some quality family time while driving along the coastside viewing some of the best holiday light displays in California. Visit this website for the largest and most comprehensive collection of California Christmas Lights displays. Think your house has what it takes to be on the list? Submit it here.

Have a happy and safe holiday season from the Rain Team. The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach, Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

 

Add Instant Curb Appeal To Your Coastside Home Without Breaking The Bank

by Kathy and Michael Rain - The Rain Team

Too many homeowners ignore their home’s curb appeal until they decide it’s time to move.  No matter if you are looking to sell your coastside home in the near future, or have no plans of ever moving, take the time to spruce up your home’s curb appeal now with these affordable makeovers that won’t break the bank.

New House Numbers

One of the first things that tend to catch your eye on the outside of a home is the house numbers.  For someone who has never been to your home, they are looking for your house number to confirm they are at the right address.  It’s time to spruce up your home’s house numbers.  Choose numbers that complement the interior of your home and let visitors know what they can expect on the inside. New numbers can be found at any large home improvement store.

Entry Door

The entry door into your home is another one of those things that first catches the eye of a visitor. For as little as $25 a gallon, you can buy some exterior paint and give your front entry door a whole new look.  Go bold when it comes to painting your entry door and choose a bright color that accents your home.

Porch Light

If the exterior light on your home is outdated or showing wear, replace it. A quick but easy change can easily add curb appeal to your coastside home. When purchasing a new light fixture consider the style of your home and choose one that not only puts out enough light to adequately light up your entryway, but also complements your home as well.

Door Mat

It may sound simple but getting a new doormat for the exterior of your home goes a long way. Think of it as getting new carpet on the inside of your home, but for a lot less the cost.  If your current outdoor door mat is stained, faded, worn down, or all scuffed up it’s time for a new one.

Mailbox

Upgrade your mailbox to add instant curb appeal to your home. It does not matter if your mailbox is mounted to your home or along the road, a new upgraded mailbox can make your coastal home feel updated.  You can find mailboxes in a wide range of prices from $20 and up at many major home improvement stores.

If you are looking to sell your coastal home, we’d love to hear how we can help you with your real estate goals. If you are considering selling your home find out how much it is worth with our online guide available here. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach,Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

 

Why Coastside Homeowners Should Consider Selling During The Holidays

by Kathy and Michael Rain - The Rain Team

You may have been led to believe that selling your coastside home during the holidays may not be a good idea due to buyers being busy with all the hustle and bustle that comes along with the holidays.  However, that may not be true. There are still a large amount of potential buyers looking to buy a coastside home right now, making it the opportune time to list your home for sale.

Here is a list of reasons why selling your home during the holiday season is a great time.

  1. Aggressive Buyers - Those buyers who are looking to buy a home during the holiday season are motivated and aggressive. They’re serious about finding a home and want to move quickly.

  2. Sellers’ Market - Home prices are on the rise and in many cases homes in the area are even selling over asking price. It may be the holiday season, but that does not mean that all buyers just disappear.  Take advantage of serious buyers and less available properties on the market and list your home during the holiday season.

  3. Home Appeal - There is just something about the holiday season with colorful decorations that many homeowners choose to put on the outside and inside of their homes. It makes their homes feel more inviting.  If you are planning on selling your coastside home this holiday season be careful not go overboard with all the decorations. Decorate tastefully and minimize clutter.

  4. Competition - Many homeowners wait until after the holiday season or sometimes even until spring to sell their home. Take advantage of this and place your home on the market now when there is less competition.

The holidays tend to be a busy and exciting time for many. Listing your home during this festive time could bring you the best gift this year- a sold home and new possibilities.

If you are looking to sell your coastal home, we’d love to hear how we can help you with your real estate goals. We can also offer you a Comparative Market Analysis (CMA) of your home to advise you what it is worth. Contact us today via email or give us a call at (650) 888-6903.

 

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon BayEl GranadaMoss Beach,Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

 

Insurance Industry Reacts To Climate Change: What This Means To You As a Coastside Homeowner

by Kathy and Michael Rain - The Rain Team

When shopping for a new home along the coast, there are few questions about the property that you need to ask yourself beyond how many bedrooms and bathrooms it has.  Ask yourself how well the home will stand up against climate change.  While climate change is still highly debated, insurers are taking notice.  As a response to what insurers believe is climate change, they’re responding and experimenting with their new disaster-modeling methods that they anticipate will be able to better predict losses that may occur around the world.

According to Chad McGuire, professor of environmental policy at the University of Massachusetts-Dartmouth, “Storms are getting more intense, they’re occurring more frequently and the duration is increasing. “As a result, this means homeowners along the coast and the nation will be filing more insurance claims.

Here is what you can do as a coastside homeowner.

Take steps now to prepare for natural disasters. With an El Niño winter expected there are things we can all be doing now to prepare.  If you are in the market to buy a new coastside home start by looking for ones that are soundly constructed, as it can impact how well they withstand nature’s events.

If you already own a coastside home and are not planning on buying anytime soon, mitigate risk by moving your valuables to the attic. I know this sounds silly, but it could provide you a discount on flood insurance.  Also evaluate your home’s electrical outlets and power connections and elevate them if possible.  Impact-rated roofs have been known to make a startling difference when it comes to high winds or even hail. Consider these when it’s time to replace your current roof.

As a homeowner, all you can do is protect your home to the best of your ability from natural disasters, but they still may occur. To combat this make sure you have adequate insurance coverage.

Living along the coast we experience some of the greatest weather in the country, but at times it can be dangerous. Stay prepared and safe.

If you are looking to buy a new home or sell your existing home, we’d love to hear how we can help you with your real estate goals. We can also offer you a Comparative Market Analysis (CMA) of your home to advise you what it is worth. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach, Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

New Closing Disclosure Rules Change The Process For Buying A Coastside Home

by Kathy and Michael Rain - The Rain Team

Buying a home is an exciting time, but it can also be a stressful time. The process of buying a coastside home changed dramatically last month when the government run Consumer Financial Protection Bureau put into place the “Know Before You Owe” rules.

Under the new rules buyers who are obtaining a mortgage loan will have a better understanding of their financial obligations when obtaining a mortgage loan. Buyers will be able to clearly see all the details of the prospective loan. Gone is the “Truth In Lending” document and the  “Good Faith Disclosure” that were previously required, now borrowers will be receiving “Loan Estimate” and “Closing Disclosure” documents.

As a borrower, you will receive a Loan Estimate within three business days after applying for a loan. This form will clearly lay out the interest rate, the term of the loan, and many other important details.  You will be provided at least seven business days to review this form before you close.

Gone are the days of coming to the closing table only to be hit by a surprise last-minute change. Lenders are now required to provide to borrowers the Closing Disclosure at minimum three days prior to closing. This form will include details such as your closing costs and monthly payments.  As a homebuyer, under the new rules you cannot make any changes to the loan within the three-day period before the loan closes, or the process must be restarted.

These new lending rules truly work in the favor of homebuyers. If you are looking to buy a new home or sell your existing home, we’d love to hear how we can help you with your real estate goals. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach, Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

Coastside Homeowners Halloween Safety Tips

by Kathy and Michael Rain - The Rain Team

It’s that spooky time of year once again and we know it’s not only the kids that look forward to the fun and festivities that come with Halloween.  This fun holiday can quickly be ruined if you’re not careful and provide a safe coastside home.

Here are list of some safety tips to have a safe and fun Halloween at your coastside home.

Keep It Well Lit - To make sure all trick-or-treaters can see easily when they are on your property keep the lights on inside and out. This will prevent any falls or trips from happening.

No Flames - Lit candles and luminaries help create a spooky feel, but can be dangerous if tipped over. Year after year fires occur when an eager trick-or-treater accidently knocks over a lighted flame.  Instead use LED lights or battery powered lanterns.

Clear Path - Prior to Halloween look for and remove any large pieces of debris that may be obstructing the path to your home from your driveway. This will prevent visitors from stumbling and hurting themselves.

Keep Pets Inside - Don’t forget about your pets this Halloween. They can become easily frightened. Protect them by keeping them inside and in place where they cannot easily run out the door.

As a homeowner take measures to keep everyone safe who visits your coastside home on Halloween.  If you have decided it’s your time to buy or sell a coastside home, our goal is to guide you through the process from the beginning to the purchase of your new home and beyond. Contact us today via email or give us a call at (650) 888-6903.

The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach, Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority. 

Coastside Housing Market Forecast for 2016

by Kathy and Michael Rain - The Rain Team

2016 may seem far off, but it will be here before we know it.  Earlier this month at the California Realtor Expo held in San Jose, the California Association of Realtors (C.A.R) released their 2016 forecast for the housing market in California.

The C.A.R. is predicting that we will see an increase in the number of existing home sales in 2016 by 6.3 percent to reach a total of 433,000 units. This is higher than what was forecasted for 2015. “Solid job growth and favorable interest rates will drive a strong demand for housing next year,” said C.A.R. President, Chris Kutzkey. The C.A.R forecast for 2016 is predicting that we will see Gross Domestic Product in the U.S. increase by 2.7 percent, following the projected gain of 2.4 percent in 2015. California’s unemployment rate is forecasted to decrease to 5.5 percent next year, down from 6.3 percent we have seen this year.

A strengthening job market and historically low mortgage interest rates make for strong indicators of a strong Coastside housing market in 2016. Across the state the median home price is expected to increase by 3.2 percent.

“The foundation for California’s housing market remains strong, with moderating home prices, signs of credit easing, and the state continuing to lead the nation in economic and job growth,” said C.A.R. Vice President.

If you are looking to buy or sell your home in 2015 or 2016, contact us. The Rain Team offers unparalleled service to ALL clients in the San Mateo County, including areas such as Half Moon Bay, El Granada, Moss Beach, Montara, and Pacifica. Your complete satisfaction with our service and representation is our number one priority.

If you are looking to buy a new home or sell your existing home, we’d love to hear how we can help you with your real estate goals. Contact us today via email or give us a call at (650) 888-6903. 

Displaying blog entries 1-10 of 230

Contact Information

Photo of The Rain Team Real Estate
The Rain Team
CA# 01169588 | CA# 01125976 | CA# 01908304
248 Main Street, Suite 200
Half Moon Bay CA 94019
Office: 650-712-0411
Direct: 650-888-6903
Fax: 866-396-0207

Kathy and Michael Rain of Coldwell Banker provides real estate services in the San Mateo County, California area including the surrounding communities: El Granda, Half Moon Bay, Montara, Moss Beach, Pacifica and San Mateo.  Search for homes in San Mateo County. We list and sell residential real estate, investment properties, vacant land, lots for sale in the
San Mateo County, California area.

Licensed in the State of California

Kathy Rain -  CA BRE# 01169588 | Michael Rain - CA BRE# 01125976 | Caldwell Banker - CA BRE# 01908304
Cell Phone: (650) 888-6903 * Direct Phone: (650) 712-0411 

San Mateo County Real Estate and Homes for Sale

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