Todd Alperin - Coco, Early & Associates The Olivares, Molina & Alperin Division



Posted by Todd Alperin on 1/20/2019

When you buy a home, you may wonder what the benefits of having your own realtor to represent you are. If youíre a first-time homebuyer, you probably will have a lot of questions. If youíre a second-time homebuyer you may still have a lot of questions! Buying a home can be a long, tedious process. Itís very helpful to know that you have a knowledgable realtor by your side to represent you and help you through the home buying process. If youíre looking to buy a home in a tough market, hiring your own realtor to represent you as a buyer is especially important. 


First, you should consider interviewing some prospective buyers agents in your area. Maybe you can get recommendations from friends and family as well. Learn what you can expect from a top realtor who will represent you as a buyer. 


Honesty Is The Best Policy


Your agent should be completely honest with you. While they canít tell you what you personally want in a home, they should give you every last disclosure. No agent should put a home value or their own commission above their clients. This means that thereís strict documentation that realtors must follow including a code of ethics and standards for practice. A realtor must uphold these promises.  


Judging honesty in a realtor can be difficult. An honest real estate agent will help you through the home search process, for example. This is a good place to start. If the realtor points out some of the potential issues that you may have as a buyer in a home, you can see that honesty is one of their main policies.


Good Communicator


A realtor should be in frequent communication with you. Even if your home search isnít active, they will check in, and see where youíre at in the process and if your needs have changed. 

Your realtor should alert you if offers have been made on properties that youíre interested in as well. Your buyerís agent should reply to texts, e-mails, or calls within a short time frame of receiving them. Having a realtor thatís on top of things for you is important when it comes to buying a home since, without their help and information, the perfect home could slip through the cracks for you.                  


Knowledge Of Rules, Regulations, And Best Practices


Your buyerís agent should have extensive knowledge of the real estate rules and regulations that are within your state. Each state has different practices when it comes to buying a home. Hiring a buyerís agent is especially helpful if you are unfamiliar with a state or city. Your agent will be well-informed on all of your responsibilities as a buyer, as well as how and when you should complete these tasks and signings throughout the entire home buying process.





Posted by Todd Alperin on 1/13/2019

When it comes to moving, how do you pack up food and ensure it will safely make it from Point A to Point B? There are many challenges associated with packing and storing food while you move. Fortunately, we're here to help you take the guesswork out of packing up food so that you can enjoy it once you reach your new home.

Now, let's take a look at three tips to ensure you can quickly and effortlessly pack your food and transport it to a new address.

1. Get Rid of Any Expired Food Items

Go through your pantry and remove any expired or soon-to-expire food items. That way, you won't have to worry about transporting these items to your new address on moving day.

In addition, you should try to eliminate food waste. For soon-to-expire foods, consume them before it's too late. Or, you can always offer these items to friends or family members.

2. Pack Fragile Food Items Carefully

Flour, sugar and other fragile food items likely require extra attention when you pack. If you dedicate the necessary time and resources to pack fragile food items carefully, you can eliminate the risk that these items could leak or spill while you're moving.

Heavy-duty, sealable containers are ideal for storing fragile food items. These containers usually are easy to find at supermarkets and retail outlets and will ensure your food items will remain safe and secure at all times.

Furthermore, don't forget to cover salt and pepper shakers. Place a piece of masking tape over the top of these shakers, and you can prevent the shakers from spilling out.

3. Use Appropriate Moving Boxes

Moving boxes come in many sizes, and when you're packing food items, you'll want to use the right-sized boxes. By doing so, you may be able to store various food items in the same box Ė something that may help you unpack quickly once you reach your final destination.

In most instances, small and medium-sized moving boxes are perfect for food items. These boxes offer plenty of space. Plus, with the right-sized moving boxes in hand, you may be able to avoid the temptation to stuff too many heavy food items into a single box.

If you need additional support with packing food items or other belongings, you may want to discuss your options with a professional moving company. This business employs friendly, knowledgeable staff members who can help you prepare for moving day.

Lastly, it never hurts to collaborate with a real estate agent, either. In addition to helping you buy or sell a house, a real estate agent can offer recommendations about moving companies in your area. Therefore, a real estate agent can provide extra help as you search for ways to streamline the moving process.

Simplify the process of moving your food items from one location to the next Ė use the aforementioned tips, and you can ensure all of your food items will arrive intact at your new address.




Tags: moving tips   packing   food  
Categories: Uncategorized  


Posted by Todd Alperin on 1/6/2019

Sometimes our dream home comes with not-so-dreamy features. One of those can be well water with a higher than desired rust content.

Of course, this isnít necessarily a reason to pass up a home you are otherwise in love with. There are several solutions to keep in mind when making your decision.

The first thing you will want to do is have a water test done to test the levels and type of iron in the home's water. Knowing just how high the concentration of iron content is and the type will be a determining factor into which solution will be the best for your lifestyle and new home.  

While you are having tests done you will also want to confirm that rust levels are indeed from the well and not the pipes themselves. Rusty pipes are a different topic altogether and require a different protocol and budget if taken on.

If rust concentrations are fairly low concentration you will just need a water softener installed. This will help to protect plumbing and appliances from effects of rust. It will also mean cleaner, and softer, clothes, less soap usage, and less scrubbing when it comes to cleaning surfaces like the bathroom tub. Itís important to note that you will need to use less soap with softened water since it creates more lather. Too much lather can damage your appliances and even lead to water leakage.  

If iron levels are falling in the medium range you will want to opt for a filter specifically for iron. Greensand and oxidizing filters are the two most common. Be sure to have your filters custom sized to fit your homes water usage and the requirements it will call for to have the system function properly.

When iron levels are high a chlorination filtration system is the way to go. This system treats water before entering your lines, which saves your plumbing from potential damage over the years. You may also want to investigate what damage, if any, has been done to plumbing and if you will need to replace to ensure safe drinking water and a clean home.

What you need to know about high rust content if left untreated:

If you use bleach on laundry your whites will yellow due to a reaction with the rust.

  • You will need to regularly use a specialty cleaning product to remove rust stains from places like sinks, toilets and showers.

  • Build up of rust over time will not only damage plumbing and appliances but also affect your water pressure as a result.

  • You will need to invest in Iron-Out and use it regularly to flush your plumbing

  • You will want to do ďbackflushesĒ to clean out rust accumulation




Tags: iron   well water   water softener  
Categories: Uncategorized  


Posted by Todd Alperin on 12/30/2018

Entering the housing market for the first time can be daunting, particularly for those who want to quickly and seamlessly buy a top-notch residence at an affordable price.

Lucky for you, we're here to help you streamline the process of navigating the homebuying process.

Now, let's take a look at three vital tips to help a first-time homebuyer acquire a residence that matches or exceeds his or her expectations.

1. Analyze the Housing Market

The housing market constantly changes, and as a result, differentiating between a buyer's market and a seller's market can be tough. Fortunately, a homebuyer who analyzes the real estate sector closely should have no trouble discovering a variety of outstanding houses at budget-friendly prices.

To assess the housing market, you'll first want to look at the prices of residences that are currently available. This will enable you to better understand the prices of homes in cities and towns where you'd like to live.

Next, you should analyze the prices of recently sold houses in your region. With this housing market data in hand, you can find out whether you're preparing to buy a home in a buyer's market or a seller's one.

2. Get Pre-Approved for a Mortgage

A first-time homebuyer may want to get pre-approved for a mortgage. That way, you can prepare a homebuying budget and narrow your home search accordingly.

To obtain a mortgage, you'll want to meet with several banks and credit unions. This will allow you to learn about all of the mortgage options at your disposal and make an informed mortgage decision.

Furthermore, don't forget to share your mortgage concerns and questions with potential lenders. This will enable you to choose a mortgage that won't force you to overspend to acquire your ideal house.

3. Collaborate with a Real Estate Agent

Let's face it Ė the homebuying journey can be long and arduous, particularly for a homebuyer who is exploring residences for the first time. But with a real estate agent at your side, you can remove the guesswork of going from homebuyer to homeowner.

A real estate agent is an expert of his or her craft, and as such, will do everything possible to help you achieve your homebuying goals.

Typically, a real estate agent will meet with you and learn about your homebuying expectations. This housing market professional also will set up home showings, keep you up to date about new residences that fall within your price range and negotiate with home sellers on your behalf.

Perhaps best of all, a real estate agent will help you alleviate stress throughout the homebuying cycle. A real estate agent understands the challenges of buying a house and will do whatever it takes to help you avoid or overcome potential homebuying hurdles.

Don't miss out on an opportunity to purchase your dream residence Ė use the aforementioned tips for first-time homebuyers, and you can boost your chances of acquiring a terrific house without breaking your budget.




Categories: Uncategorized  


Posted by Todd Alperin on 12/23/2018

Buying a home is a big change. New surroundings, new town and sometimes even a new state. And these things take time to get used to.

But thereís one thing you want to adjust to as quickly as possible - your new budget.

You already know that with a move comes lots of expenses and fees. However, there are a lot of long-term changes you might not realize to take into consideration until they show up in your mailbox.

One is your mortgage payment over the years. Okay, I know you know that your mortgage payment has changed. But what you should consider is how to plan to make that payment each and every month. Sometimes life happens and we donít have a great month and sometimes we have a string of not so good months. Itís best to come up with a plan now to prepare yourself if anything should happen

Itís recommended to keep three months worth of living expenses saved and put to the side for emergencies. Perhaps you already have money set aside and need to increase this amount to reflect your new lifestyle. And if you donít have any set-aside, itís wise to start a savings plan now. Even if you are only able to put aside a small amount each month, your total will grow over time as you stick to the plan.

Home insurance, property taxes, and homeowner association fees/dues. If this is your first time owning a home these will all be new expenses for you and ones you donít want to catch you by surprise. And if itís not they are certain expenses you will need to account for. Be sure to add these to your budgeting software of choice ASAP.

Seasonal budget changes. Throughout the seasons you may find significant changes to your expenses. If you have moved to a larger home you will probably find you have higher utility bills, especially in those months where you need to run the furnace or A.C. However, there are also yard maintenance costs to take into consideration. Does your new home have a pool, lots of landscaping or a snowy climate? Ease upfront costs by estimating expenses and create an account to put money aside each month to spread these costs throughout the year.

Another account to consider building up throughout the year is for emergency repairs and renovation projects. Replacing appliances, a roof, porch or pool lining are not expenses we typically expect and can easily shell out for. At least, not without some planning ahead of time. Setting up an account to add money to each month for these specific costs can help ease your mind and feel on top of things.




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