New Listing - 5331 11th Avenue, Sacramento, CA 95820

Adorable 2 bedroom, 1 bathroom, 863sf home near Tahoe Park! You will love the modern amenities paired with the original charm - remodeled kitchen with white cabinets, granite counters, stainless appliances and tile flooring, remodeled bathroom with granite counter, tub/shower combo, and tile flooring. Dual pane windows throughout, newer composition roof, newer central heat and air, and more! Low maintenance yard. Short distance to parks, schools, and public transportation. Don't wait! Offered at $309,950. For more information, photos, and a 3D virtual tour, visit 5331 11th Avenue, Sacramento, CA 95820.

Bank of America Short Sale Forms Advisor

While short sales in Sacramento are not nearly as common today as they were a few years ago, there are still some of them out there. And thankfully after nearly a decade, Bank of America has made it easy to determine just which forms are necessary to submit to request a short sale.

In order to obtain a complete checklist of documents necessary for a Bank of America short sale, you will need to know a couple of things:

• What entity owns or insures the loan? It could be Fannie Mae, Freddie Mac, FHA, VA, USDA, or none of the above;
• Is there anyone in the household that pays household expenses who is not a borrower on the loan? That should be easy enough -- a non-borrowing spouse, domestic partner, boyfriend/girlfriend, parent, child, roommate, etc.

Bank of America will require income, expenses, asset and hardship documentation from the borrower(s). This usually involves providing recent bank statements, paystubs, tax returns, etc. and possibly consenting to a credit check. Additionally, they now require similar documentation from any non-borrower who contributes to the household expenses.

The Bank of America forms advisor is here: https://homeloanhelp.bankofamerica.com/en/document-checklist.html 

New Listing - 3026 Swallows Nest Drive, Sacramento, CA 95833

Beautifully updated 2 bedroom, 2 bathroom, 1,257sf unit in the highly sought Swallows Nest community! You will love the spacious layout, updated kitchen with granite counters, new laminate flooring, new carpet, dual master bedrooms with updated bathrooms, new central heat and air (2017), attached 2-car garage, private deck, secluded serene setting. Homeowners Association offers a manicured 9-hole NCGA golf course, tennis courts, swimming pools, guarded front gate, and more. Located minutes from the Sacramento River, close proximity to Downtown Sacramento. Don't wait! Offered at $245,000. HOA dues $416/month. For more photos and a 3D virtual tour visit 3026 Swallows Nest Drive, Sacramento, CA 95833.

Be sure to keep your central heating and air conditioning system healthy...

While the temperature on average Sacramento summer days tends to be between the upper-80's and low-90's, a couple times each summer we usually see the weather extend above 100 degrees for a several days or a week straight. Those days I usually crank up the air conditioning, binge watch something on Netflix, head to the movies, or do other indoor activities. Or if you are Nugget, my sweet mini aussie, you might lay directly on the HVAC floor vent to cool down. The LAST thing anyone wants during that hot week is to turn on the air conditioner and find that it is not working.

HVAC maintenance is really important. I highly recommend having your unit(s) professionally serviced at least one per year...and in the meantime there are a couple of DIY things you can do as well.

First, be sure to change your HVAC filter at least every other month -- maybe more often if you notice the filter looks dirty. As more particles are caught in the filter, the more clogged it becomes. If it becomes difficult for the unit to suck air through the filter, you unnecessarily burden your system. Not only will that cost you more in monthly utility bills, but it makes the system work harder and will possibly be more prone to failure. Filters are relatively inexpensive, and I tend to keep a few on hand and replace them as often as I need to.

Second, if you have an outdoor unit as I do - it is important to keep the top and sides free from debris. I have lots of leaves in my backyard and they tend to fall into that top exposed fan area. I use a shop vac to clean them out. Also, try not to stack things on top of them...it's best to allow unrestricted air flow.

Third, whether your interior vents are in the floor or ceiling, occasionally take the vent covers off and clean them out. The vents in my house are on the floor, and they get dusty, dog hair and other small debris gets caught in them, etc. Again we take the shop vac and clean them out and wipe off the vent covers.

Doing these little maintenance items can help make sure that the air flows nicely...