Kendra Ruminer's Two Cents of Real Estate

Take A Peek At Los Alamos, New Mexico

Tag: Los Alamos Real Estate Market (Page 12 of 12)

Candy! Candy! Candy!

November 4, 2020 /

I don’t know about you, but even in this strange Covid-19 post Halloween world, I find myself drowning in candy. If you’re like most people, your kids either managed to collect candy from multiple sources, or you bought it in the store yourself. Either way, if you have too much to even consider eating it all, you might try one of these ideas. Be as creative as you want and use as much candy as you can spare!

Turning candy into candy packed cake is always a fun activity. This is also a great way to turn an excess of flavored hard candies or Smarties into a crunchy, gooey, yummy after dinner treat!

Ingredients:

1-2 Boxes of your favorite cake mix.

Plenty of your favorite flavor of icing.

2-4 cups of crushed hard candies. (Smartie sized)

1/2 cup candy bits for icing.

Directions:

Preheat the oven to the temperature recommended on the cake box and prepare cake batter according to directions. Don’t forget to add the extras for high altitude! We don’t want flattened candy cake. (although it’s still tasty)

Use a food processor to crush the candy. If you don’t have a food processor, you might enjoy using a rubber mallet and some wax paper. A rolling pin works well for this too. Just put the candy into a packet made with the wax paper and smack it around until you have bits and dust. A perfect way to get some of that quarantine aggression out in a constructive way!

Choose your pan and prepare it according to the box directions. Put half the cake batter into the pan. Sprinkle the candy bits onto the batter. Use a butter knife to swirl the candy into fun patterns. Then add the rest of the batter to the pan.

Bake the cake as directed on the box. While the cake is baking, mix a quarter cup of candy bits into the icing. When the cake comes out of the oven, make sure you let it cool, but not all the way. Ice the cake and let the icing melt just enough to make it squishy. Sprinkle the rest of the candy on top. You can eat it while it is still warm or wait until later. Either way, it’s going to be a hit!

Layer desserts are a great way to get rid of extra everything. Pudding. Whipping cream. Chocolate sauce. Cake. You name it and you can pile it into the bowl, glass, or hurricane and make it look scrumptiously edible.

For this, I suggest seeing what you have leftover in the pantry after the long lockdown food hoard. Extra pudding mix? Whip it up and get it ready! That box of cake mix or muffin mix that got lost? Whip it up and get it ready! The following items work well for layers. You can make them or arrange them however you like.

Layers:

Pudding – Any flavor, any variety, as much as you want to make.

Cake – Yellow cake makes a surprisingly good contrast to all of the chocolate puddings, candies, and the whipped cream. But you can use any variety you’d like. It’s surprising how good a nice spice cake can be in a layer dessert, or strawberry, or even chocolate muffins! This can be a fantastic way to get rid of leftover cookies, cupcakes from the store, or other forgotten treats too. Just peel the paper off and stuff them in.

Whipped cream – Cool Whip or a spray can or even whipped heavy cream works well. Make sure you save a bit for the top.

Candy – This is where the chocolate and caramel snack bars or minis really shine. Either cut them, put them through the food processor, or (in the case of Butterfingers) whack them with a mallet or a book or something to get smaller pieces. You can even put a bag or two of M&M type candies into this. Gummies are fine. Even Sour Patch Kids.

The Bowl:

I prefer to use a glass hurricane bowl for this dessert, but you can use whatever you have on hand. A big mixing bowl or even a deep baking dish if you only want two or three layers. You can make this as elaborate and huge as you’d like or you can keep it smaller for a quick treat in individual mugs.

The Process:

The trick here is not to get too hung up on neatness. Cake makes a good bottom layer. And the cake doesn’t have to be intact either. Just place each layer using either your clean hands, a spatula, or a spoon. Layers should be no more than an inch or two thick for large serving bowls and maybe only a smear in a small glass or baking pan. You want just enough to make it visible from the outside if you have a see through bowl, but not too much that you can’t get lots of layers in before you run out of room. And don’t forget to put a layer of pudding or whipping cream between the cake and candy for maximum gooey goodness!

Bon Appetit!

Enjoy your recycled candy treats! And if you think about it, snap a quick pic with your phone and post it in the comments of my post on Facebook! I’d love to see just how creative you can get with leftover candy, cake, and some creamy pudding!

Full Disclosure-A Real Estate Story

October 21, 2020 /

John and Jane Doe were such a nice couple. They’d lived in Los Alamos for decades. Recently John had retired from LANL and with the kids and grandkids living in Florida, it seemed the perfect time to retire to a much smaller home in a warmer climate.

John and Jane listed their house for sale and were eager to see what sort of nice, young family might move into the place and fill it with laughter and children. They’d kept up with the maintenance on their Barranca Mesa home, making repairs when necessary and updating here and there. John was a pretty handy guy and enjoyed home improvement projects.

Enter Mark and Mary Smith. A young family new to the area, Mark had just been employed by LANL and the couple was looking forward to raising their two young children in such a wonderful small community. Purchasing the house on Barranca Mesa would stretch their budget, but Mark and Mary had been looking at real estate in Los Alamos for over a year and this house was the first one they’d really fallen in love with. By crunching the numbers and making some adjustments to the family budget, Mark and Mary were able to make an offer on the house.

The purchase process was a whirlwind! There were a few minor repairs necessary after the inspection, but within sixty days the young family was moving out of their tiny apartment and into their lovely new home. John and Jane Doe could not have been happier for Mark and Mary Smith. The fall temperatures would soon give way to winter and John and Jane were glad to be packing their things and moving to Florida before the first freeze of the year. They were looking forward to a stress free retirement.

Moving is always a bit hectic, but Mark and Mary enjoyed making the new house into their family home. There were a few minor issues of course. Aren’t there always? A week or two went by. The temperatures started to dip a little lower. And Mark and Mary soon started to notice that their hot water heater wasn’t doing a good job with keeping up with their family’s needs.

Mark isn’t a DIY kind of guy, so he called a repairman. The repairman explained that the hot water heater was older and sediment build up inside had decreased its capacity. Mark and Mary had known that owning their own home would come with maintenance costs. The cost of a new hot water heater seemed within their means and they decided to go for it. After all, they could get a newer, energy efficient model and probably cut their energy costs and have far more hot water available for their growing family.

During the Doe’s long years owning the house, John had enclosed the hot water heater into a set of storage cabinets in the back of the utility room. The cabinets created a lot of handy space, but they also made it rather difficult to work on the hot water heater. The workmen disassembled the cabinets and got to work. And THAT is when they found a very unpleasant overgrowth of nasty mold that seemed to be growing beneath the hot water heater and all they way up the wall. The workmen took the rest of the cabinets apart and discovered the mold stretched the entire length of the utility room.

Hot water heater installers don’t do mold remediation. The contractor called Mark at work and told him it was time to call in a professional to handle this issue. Mark hung up with the contractor and called his real estate broker. It had only been two and half weeks since they’d closed on the house. Surely, the seller had some responsibility for this issue?

Mark and Mary’s broker took another thorough look at the disclosure statement for Mark and Mary’s home. There was no mention of problems in the utility room that could have led to a mold issue. The broker then contacted John and Jane’s broker and asked if there had ever been repairs in the utility room or problems with the hot water heater. It took several days for John and Jane’s broker to reach them in Florida.

John and Jane Doe were shocked to hear about the mold in their former home. Of course they’d had no idea that there was a mold issue in the house. After some thought, John remembered that he’d had an issue with the plumbing fixture on the hot water heater, but it had been a simple fix. A few new fittings from Metzger’s had stopped the tiny leak. John couldn’t imagine why he and Jane would have needed to disclose a leak that had happened nearly eight years ago and had been repaired without further incident.

Meanwhile back on Barranca Mesa, Mark and Mary were horrified to hear that their mold problem was going to cost eight thousand dollars to fix. The contractor at the restoration company explained that the tiny leak had only looked tiny. And while the leak was indeed repaired, the water had seeped down into the subfloor and up into the drywall and would require a complete remodel of the utility room and part of the ceiling and flooring above.

Mark and Mary contacted their broker. Surely they weren’t responsible for all of this damage if it came from a leak that happened before they owned the home? Besides, they didn’t have eight thousand dollars to pay for the mold repair!

John and Jane didn’t know what to do. Surely they weren’t responsible for all of this damage if the home inspector didn’t find it during the inspection? The leak was fixed. The hot water heater was working just fine when they sold the house!

That’s the thing. Nobody is right and nobody is wrong. As to who is responsible? That could be determined by the local courts if the buyer decides to take the seller to court for nondisclosure.

Here is the lesson. Disclose. Disclose. Disclose! I cannot tell my clients enough times to disclose EVERYTHING. What repairs did you make to the house while you were there? Did you hire contractors? Were there permits pulled for the work? Were there things done to the house prior to your ownership? So many times sellers are tempted to put their home’s best foot forward. After all, if there weren’t any lingering defects from a project, why is it a big deal?

I think my little story tells you exactly what the worst case scenario could be. Poor Mark and Mary Smith! Had the disclosure statement mentioned a hot water heater leak, the inspector could have been tasked with more thoroughly inspecting that cabinet in the utility room. He very likely would have found the mold problem. Would they have bought the house? Probably. But they would have likely come in with a lower offer that would have left them with the cash to make the repairs.

Poor John and Jane Doe! They’re in Florida trying to enjoy their retirement! If they had just listed the hot water heater leak and repair on the disclosure statement, there was no way someone could accuse them on hiding anything. Did they knowingly hide a mold issue? Of course not. Had they realized that there was a huge home improvement project looming, they could have either fixed it themselves (possibly with the help of their home insurance policy) or they could have lowered their asking price to allow for the repair.

This is the takeaway, folks: The sale STILL would have happened. It just wouldn’t have caused so much upset afterwards. So once again…

FSBO vs Broker: Ready. Set. Go!

October 14, 2020 /

Yes. When it comes to the question of whether or not to use the services of a real estate broker to sell your home or not, I have what you might call a biased opinion. But, having said that, I can also be real with potential clients. And looking at the Los Alamos County real estate market right now, you might be asking yourself, why on earth would you ever need a Realtor to sell your house? Houses are selling like Tickle Me Elmo during the Christmas season of 1996! Everyone you know has heard of someone that they know who has a friend, who has a cousin, whose house had a massive bidding war and went for thousands over the asking price!

Newsflash.

Some of those things are true. But just because the market is moving doesn’t mean the services of a professional broker aren’t needed. In fact, it can mean that you’re more in need of a licensed professional than ever. Here are a few things to think about if you’re considering a FSBO home sale.

FSBO (For Sale By Owner)

The FSBO trend has been around for generations. Stick a sign in the ground, handle all of the phone calls and marketing yourself, and do your own negotiating. You get to find the right buyer willing to pay the right price. You are intimately involved in every aspect of your home’s sale. From the first moment that potential new homeowner gets your number off the sign or the Craigslist ad until you’re handing them the keys and congratulating them on their new purchase. It can sound like a really great idea.

The number one reason why? Well, because you don’t have to pay a real estate commission to the brokers, right?

Let’s think about that for a moment. This can be a big deal. Nobody likes the idea of handing over five or six percent of their home’s equity to a third party. In some markets this can be the difference between breaking even at closing or having to bring money to the table to literally pay someone to take your house off your hands.

But that’s not our market here in Los Alamos. At least not right now. In fact, from a buyer’s perspective, it might be even more tempting to try and purchase a house without using a broker in our local market. It’s tempting to believe that leaving a Realtor out of the equation might result in a lower cost on a house in a market with a hefty median price.

Except those two concepts don’t really go together. Both the buyer and the seller can’t save a big chunk of change. Yes. They can save the commission. I typically charge six percent. On a $300K home that could be $15K. It’s not a small number. And yet, the popular Real Estate Information website, Keeping Current Matters reports that a study by Collateral Analytics suggests that broker listed homes netted an average of 6% more than homes that went for sale by owner.

Even if we suggest that you’re only breaking even in a financial sense by using a broker to sell your home, you might want to really consider what buying and selling a home actually involves.

No really. How much time do you have? If you’re buying a house, there’s a good chance you’re either out of area, getting settled in our beautiful little town, trying to get your kids situated in new schools, navigating a new job, or dealing with another huge life change. Even if you’re local, you’re probably trying to prepare for a move, which can be a logistical game of Twister.

If you’re selling your home, you’re probably doing exactly the same things in the opposite direction. The market here in Los Alamos has a breathtaking turnaround rate. There is a reason why people make jokes about real estate professionals being constantly on the phone. We are.

Marketing

The amount of money I spend every year on marketing would be absolutely ridiculous if it weren’t for the fact that I work in an industry that is almost entirely driven by my marketing. But in reality, it’s like anything else in our modern world. There are databases and networks and subscriptions. Never forgetting the power of social media. I work with companies and professionals in all facets of this giant machine to create a customized marketing campaign for each home I list. Add in the new pandemic restrictions and the realities of selling real estate in a Covid-19 world and online marketing has suddenly taken on a whole new meaning.

My question to anyone considering a FSBO situation is this. Are you honestly prepared to showcase your home in a digital world? 3D tours, Zillow, Facebook, paper marketing, and every other modern advertising concept that can get your home in front of a potential buyer? For some sellers, the answer might be yes. So many Average Joes out there possess digital savvy that I truly envy. If that’s not necessarily you, I realize that it’s easy right now to comfort yourself with the notion that you could probably skip all of that and just stick a few signs outside and advertise an Open House.

Perhaps. But do you really want dozens upon dozens of people wandering through your home and your family’s personal living space during a time when we’re not even supposed to gather in groups of more than five people whether we are indoors or out? More and more homes are selling sight unseen. Buyers realize what a pandemic means and they’re making adjustments. If you’re selling your home it means getting creative. If you’re buying a home it means navigating the world of airbrushed photos, professionally produced 3D tours, and flowery language as you try to decide if this space is right for you while essentially shopping online for your next home. Let’s just say the return policy on a house can leave a little something to be desired.

Okay. The last thing I want to talk about is the negotiating. Buying or selling a home can be tense. It’s sometimes tempting to think you’d feel better by having all of those little things under your control. After all, if you can see everything that’s happening you might feel less stressed. Right?

It’s easy to forget that part of what you’re paying your broker for is their network of “people to get that done”. Are you ready to negotiate with a potential buyer or seller about home inspections and appraisals? Even if you’re selling your home FSBO, you’re likely to get plenty of brokers calling you about your home. In a market like ours where every house matters, that’s a given. Are you prepared to negotiate with a professional who is working hard for their client? It might be tempting to think to yourself that it’s like paying half the commission you would have otherwise just to have someone deal with the paperwork. But remember that the buyer’s agent is working for them and not you, or vice versa. It’s like representing yourself in front of a judge in a legal matter when the other side has an attorney.

Speaking of legal matters, that’s another thing to keep in the back of your mind. In our modern market, the legalese and requirements surrounding things like disclosure (I’ll talk about that in another blog, I promise) and lending practices can be more than just tricky. Dealing with lenders and title companies can leave the most levelheaded individual spinning in circles. Don’t ask me how much time I spend on the phone making sure someone emailed someone else regarding paperwork labeled X,Y,& Z that is absolutely required to be at Location A before a 3:00 PM closing appointment.

Maybe You’re Ready

I’m not going to tell anyone that they aren’t ready to dive into this process if that’s what they want to do. That’s not my intention at all. If you’re chomping at the bit to try your hand at buying or selling a home without using a broker, then I’m the one standing on the sidelines cheering you on. I’ve known plenty of people on both sides of that equation. Those who have had excellent FSBO experiences and those who haven’t. If you’re ready, do your research and go to it! These are just some things to think about when you’re considering a real estate transaction. If you’ve ever experienced a FSBO situation, you’ve probably got a dozen more bits and pieces of advice to add.

As always, happy house hunting! And if you’ve got questions, please give me a call! I would love to chat with you and sometimes the first part of making the choice to work with a broker or go with a FSBO is to talk to a local real estate professional and see what your options are. You might be surprised how much information you can get from one phone call…

Winter Survival Tips (For Your Yard)

October 7, 2020 /

Winter in the desert. It actually sounds like a break, right? People typically think of the desert as being hot and dry and maybe windy. So, winter would be cooler and maybe include some moisture. Not that we’re going to get rid of the wind…

But the reality of winters here in Los Alamos County isn’t always about cooler temperatures. I don’t think I have to remind anyone of that crazy 2018-2019 winter when you couldn’t even entice a tow truck to come up here to pull your car out of a snow drift and we were suddenly learning about things like “back up snow removal storage sites”.

Snow might or might not be on the horizon. If you’ve been a long time resident of Los Alamos or even someone who has gone through several winters here, you know that predictions are rarely spot on or even close. Some winters we have moisture, others are dry as a bone. But somewhere in all of those maybes are a few good thoughts about how to get YOUR yard ready to weather the coming winter whether it is wet, dry, or other.

Mulch

Many people have a bit of a love hate relationship with mulch. It’s not as polished looking as rock. It comes in a variety of qualities, colors, sizes, etc. You can get it for free at the Transfer Station here in Los Alamos (and they’ll load it onto your truck or trailer for $3.00/yard). But no matter how you feel about mulch, there is a good chance you can use it to help your outdoor plants survive the winter looking their best.

For starters, mulch is all about insulation and moisture. Because of this, you want to apply mulch BEFORE the ground freezes for the winter. Now. I realize that we had that bout of snow already, but the ground has warmed sufficiently that you could get out there and mulch around your shrubs and trees before the winter weather is here to stay. Applying mulch to your plants is only the first step though. After that you want to soak the ground as much as you can (while remembering the water rules) up to the point where the mulch and the soil freeze. The idea is to promote as much root growth as possible and to keep the plants from doing the freeze and thaw cycle. Adding mulch too late or too early in spring, can cause the ground to thaw and the plants to start their spring heave toward the surface only to be smacked down by another cold front.

Pruning

I have to say that I can totally understand the desire to clip off all of the dead growth on your plants in the fall. But you can increase the health of your plants and help them better survive winter by waiting until late winter or early spring to do your pruning.

Exception!

If you have a tree or large shrub that has limbs in danger of breaking off during a heavy snowfall, then you should certainly get out there and take care of that. Another situation that requires pre-winter pruning are rose bushes or other flowering shrubs with long stems or “canes” that get whipped around in the wind. Trim those back so the plant doesn’t damage itself in bad weather.

For the most part though, the long stems, even though they’re dead, are used by the root system to stay healthy in bad weather. Stems and dead foliage can also catch and hold excess snow to promote insulation of the core of the plant during severe cold spells. So as much as you might be tempted to whack everything off in the fall, you might want to consider putting off that chore until spring.

Leaves

Here in Los Alamos, we don’t necessarily have an excess of leafy trees like you might have seen in others areas such as the Midwest. But we do have some. Here is a thought when you’re trying to decide whether or not you want to bother with raking up the mess. A thick bed of leaves might work as an insulator for your plants, but it also makes a fantastic breeding ground for plant damaging insects. While mulch tends to harbor a “healthier” variety of insects dedicated to the decomposition process and adding nutrients to the soil, leaves provide a great place for problem insects to winter. Their eggs and larvae stay cozy and fed and erupt in the spring to become an even bigger nuisance.

Soil Deficiencies

If you have any fruit trees on your property, you might want to think about iron deficiencies in your soil. An iron deficiency can be responsible for not only yellowed foliage on certain plants and shrubs, but also poor tasting and sparse crops of fruit on fruit trees. Fall is the perfect time to add something like Greensand to the area around the base of your plants. Check out the information here for more about iron deficiencies.

No matter how you choose to get ready for winter, I hope you enjoy this gorgeous fall weather that we’re having. And remember, for all of your local real estate tips, questions, and especially answers, feel free to contact Kendra via email or phone.

Add Some Rot To Your Life

September 9, 2020 /

Oh yes. As we come to the end of a particularly hot summer here in Los Alamos County, it’s time to start getting outside again. Not that we aren’t outside nearly every month out of the year here in one of the most beautiful places on Earth. But with the uncertainty that has become a daily part of our lives, there is wisdom in the idea that new projects aren’t a bad thing at all.

With that in mind, fall might just be the perfect time to start a composting project. Yep. That’s right. Compost. And no. I’m not talking about that pile of stinky, rotting vegetables and yard waste you forgot to gather up and deposit in your brown yard waste bin either.

The truth is that compost can be “done” outdoors or indoors. So, don’t let being in an apartment, condo, or other dwelling without a lot of yard space keep you from having that compost pile. Another thing. Compost done right does NOT smell. If your compost is smelling icky, it means you’ve put something in the pile that doesn’t belong. Eggs, for example, or perhaps dog poop, meat scraps, or other taboo items.

For a full list of items that either belong or DON’T belong in your compost pile, visit the EPA’s website. There is a whole list of do’s and don’t’s for your compost project. Or, the NM Environmental Department has a handy brochure you can view HERE.

Of course, the most important thing to ask yourself when considering a compost pile is whether or not you’re ALLOWED to have a compost pile on your property.

For the most part, here in Los Alamos County, we ARE allowed to have a compost pile on our property. If you’re living in a covenant community such as Elk Ridge, or you’re renting an apartment or even renting a duplex or other single family residence, simply double check with your landlord or property management company regarding their rules for composting.

Composting Basics

There are three things you need for composting. The formula is often described as brown plus green plus water. And of course, you’ll need plenty of air. But before we start with the actual stuff, you need to have a suitable container.

If you don’t want to purchase a bin from a retailer, you can make one. I suggest picking up four wood pallets and wiring them together. You can also make a three sided enclosure using straw bales, providing they’re held together with string and not wire. Or, you could go old school and just make a heap somewhere out of the way in your yard. Make certain you have good access to your compost area since you’ll have to be out there turning it in order to help the process along.

Next Up: The Ingredients
You need four things to make your composting project a success. Brown. Green. Water. Air.
Brown = Yard Waste. Green = Food Waste.
And by the way, grass clippings are considered green and not brown. Water is pretty self-explanatory. Air is also an obvious thing, and yet it’s one of the items that so many people don’t really understand when it comes to successful composting.
Compost is basically the natural breaking down of organic material. Your yard waste brings carbon to the mix. Your food waste brings nitrogen. Water or moisture is a necessary component, and you need to turn that pile at least daily in order to allow air into the mix.

Now, you might be wondering whether composting is really the type of activity you want to be out in your yard doing. After all, composting is for gardeners, right?

Not necessarily. If you’ve spent much time at all trying to grow anything in our county, you know that our topsoil isn’t the greatest. In fact, I’m probably being generous saying it’s not great. The truth is that it isn’t suited to growing things at all.

That being said, even if you DON’T want to garden, you can take your compost and work it into your yard. The end product of the composting process is basically sweet smelling soil. Good, FERTILE soil. Adding that to your fall or spring grass seed mix could really give those green spots in your yard a helpful boost! If you’ve xeriscaped and don’t have grass, put the compost around the base of your trees. If you started a compost pile this weekend and committed to working that pile at least a few times per day, you’d have viable compost in three to four weeks. That would mean you’d have a nice mixture of soil just in time to winterize your yard.

On the subject of working that pile…

Composting can be great exercise. It gets you outside in the yard. Not only are you picking up leaves and brush, you’re carrying your kitchen scraps out to the pile several times a day. That’s an activity to add some steps to the daily total! And in order to move the compost process along, you have to be out there turning the soil. It’s like adding a little bit of cross fit to your daily routine. And I don’t know about you, but with the kiddos learning at home and most jobs involving some kind of hybrid work from home scenario, anything that involves going outside and doing something physical is a bonus for your mental and physical health.

Compost Troubleshooting

A few things to keep in mind when you’re playing in the pile.

  1. If your compost pile stinks, you’ve either put in some no no items, or you’ve got too much moisture. Try adding dry material like leaves or dry grass clippings to get your moisture a little more balanced. If that doesn’t do the trick, check the EPA’s list HERE.
  2. If your compost pile is dry and flaky in the middle, you need more water. Try watering each layer of the pile as you turn it, and then cover it with a plastic sheet or a scrap of carpet to increase the moisture content. (Think greenhouse).
  3. If it’s taking too long to get from your compost starter to a usable product, increase the number of times you’re turning that pile. This is a way of getting air into the mix. More turning=more air=equals faster composting.

All right. I’ve given you resources and information. It’s time for you to add the rot and get composting! As always, I’d love to hear from you. Whether you’re buying, selling, or just looking for Tips to enjoy life in Los Alamos. I’m here for you!

Those Big Ticket Items

September 2, 2020 /

The words “Big Ticket Item” can be applied in so many ways. But they do seem to have a rather broad application when it comes to home ownership. A home is one of the biggest investments you’ll make in your lifetime. The amount of planning that goes into the initial purchase of your home is nothing compared to the satisfaction you get from walking through the door at the end of each day and just knowing you’re HOME.

But as with any investment, you might want to keep a few things in mind when it comes to maintaining and protecting your home. Whether you’re considering the purchase of a new or new to you home, or trying to make some vital decisions about necessary maintenance on your current home, these are some things to keep in mind.

The Roof

Architectural shingling is the most common roofing material used in the United States. However, here in Los Alamos County and in the Southwest in general, we see a lot of flat roofs on adobe style homes as well as metal roofing options.

Asphalt shingling comes in 20, 30, 40, and 50 year ratings. These ratings are established by the manufacturer, but they don’t necessarily take into account the brutal UV rays experienced here in our community. Lighter colored shingle roofs will last longer than darker colors, and choosing a lighter color for your shingles can also cut down on cooling costs in the summer.

Flat roofs tend to need repair or even replacement in 10-15 years. They require frequent inspecting to make certain that puddling of water doesn’t occur. In some cases, older flat roofs need a buildup of fiberglass or other material to create a slope to encourage appropriate draining.

A metal roof such as Pro Panel roofing can last from 40 to 70 years. Though some homeowners mention that metal roofing can be “louder” during rain or hail storms, proper insulation in your ceiling can eliminate this issue. Metal roofing also comes in a variety of colors and has a better fire rating than other roofing options, which sometimes makes it attractive in communities like ours.

Now. When considering your roofing options, whether the roof is on a house you want to purchase, or your current home, think about age. Age of the home. And how long are you planning to stay in that house? Metal roofing is more expensive than shingles. Sure. You might get 70 years out of the roof, but if you’re only planning to be there for ten years, you’re not going to be the one truly benefitting from that large investment. When pondering the options for replacing your roof, really be honest with yourself about your budget, your expectations, and how long you intend to be in this home. You’ll be glad that you did.

Siding

Saying that our town is filled with an eclectic collection of colorful dwellings isn’t just talk. A strong part of our town’s identity is in our individuality and sometimes that comes out in the paint choices. Even if it means that one half of a duplex is blue and the other is brown.

Some of these color choices come down to what sort of siding is covering the exterior of a home. We have brick, vinyl and hardboard siding, and also plenty of stucco. The durability of these choices is largely affected by whether or not they were properly installed to begin with. Vinyl siding has a 60 year lifespan, hardboard siding tends to be less, 40 years or so, and stucco will last you approximately 50 years. All of these estimates are affected by weather and climate. Replacement costs have more to do with your home’s size, construction, and whether or not the current exterior material must be removed. If you ask Google, the average cost of replacing your siding falls somewhere between $8K and 12K$. Truthfully, this number is generally higher here in our zip code, sometimes because we are located in a remote area, other times because of our tax rate.

In the end, what you choose to put on the exterior of your home should be influenced by your personal preferences and your budget. It’s also drastically affected by how long you intend to be in your home. Be aware if it isn’t your direct concern, it could be a concern for the individual who purchases your home from you down the line.

HVAC – The hot and cold in YOUR life

Air conditioning was not part of the original equipment in a good number of Los Alamos homes. If you’re considering the purchase of a home without A/C, don’t make the assumption you can just add that in later. Ask your Realtor or consult with your building inspector and get all the facts. If that home doesn’t have a central heating system, adding “aftermarket” A/C can be problematic. Ventilation systems and ductwork can be costly or impossible to install if there’s no place for them to go.

Many homes in Los Alamos have hot water baseboard heating. This tends to be a very effective heating solution for many homeowners. Combined with a wood stove or the use of a fireplace, it can be cost effective and cozy. Many homes in our area have passive solar features as well thanks to the brilliant sun that shines an average of more than three hundred days a year.

If your home DOES have A/C, you can expect that system to last 10-15 years. Your furnace and A/C do need regular inspections. Inspections for gas furnaces can be free, so take advantage of this service to avoid costly repairs down the road. If you do need to replace a unit, you can expect to spend between $5K and $10K depending on the size of your home and your family’s needs. When purchasing a home, make sure to ask when the system was last serviced and if the A/C unit has needed “recharging” (a refill of the system refrigerant). Then begin budgeting for any repairs or replacement well in advance. This is one situation where a little bit of planning can avoid some uncomfortable days and nights waiting for emergency service.

Appliances

When it comes to a modern home, there are a LOT of appliances! Here are some basic stats regarding how long those suckers are likely to last.

Hot Water Heater – 6-13 years

Stove 13-15 years (gas stoves tend to last longer)

Refrigerator 10-18 years (the larger the longer lived)

Dishwasher – 10 years

Microwave – 7 years

Some things to think about when it comes to replacing appliances.

First? NOBODY wants to be without hot water. Know how old your hot water heater is and what kind of shape it is in. The water in Los Alamos has a lot of minerals that tend to collect inside a hot water heater reservoir. While these don’t necessarily kill the hot water heater, they can diminish the amount of space inside the tank and effectively create situations where you simply don’t have enough hot water to handle more than one shower in an hour. This could shorten the number of years your hot water heater can handle your family’s needs.

It’s also important to consider the new options for hot water that don’t even require a tank. On demand tankless hot water systems can be a viable option here in Los Alamos. Many of our homes already have gas powered hot water heaters and that can decrease the cost of installation on a tankless system. In the end, it comes down to your family’s needs and your budget. While a tankless system can cost a lot less per year, they tend to cost three times as much up front. That means you need to be in your home for a number of years to break even on that expenditure. Talk to a qualified dealer or a highly rated plumber to find out if this option is the right one for you.

We’ve all seen those older refrigerators, stoves, ovens, etc. that seem indestructible. They’re ancient, and they’re some bizarre color like bright red, golden yellow, or avocado green. Remind yourself that all of those colors were popular at one time. When choosing your new appliances, try to go with a color and finish that is easy to clean, light, bright, and appealing. Even if you’re only replacing appliances one at a time as they need it, plan ahead and think timeless and not trendy.

I hope this information has given you some ideas about your home ownership journey. As always, if you have more questions or any comments, please feel free to Contact Kendra. I’d love to hear from you!

The House of Tomorrow Here in LA

August 26, 2020 /

The residents of Los Alamos County are used to the concept of housing shortages, creative solutions, and making do with what we have. After all, our surroundings boast some of the most incredible views the world has to offer. You can certainly embrace an eclectic house when you’re looking at panoramic views. But you might be interested to know that housing shortages aren’t a new thing here in Los Alamos. As early as the 1940s Los Alamos was looking for solutions to the lack of housing. In 1949 we were eager enough to jump onto a rather unique, quick, mass produced housing bandwagon called Lustron Homes.

Barely visible in this picture is the trademark zigzag trellis that was a Lustron Home signature feature.

Yes. Lustron Homes. The name today (if you’ve never heard it before) has a cult following not unlike the Airstream RV crowd. People are fascinated by the story, the space age style product, and of course, by the same “house of tomorrow” fever that probably has us moving toward a life straight out of “The Jetsons”. Although, this particular house of tomorrow is rather retro.

It all started with the return of GIs after WWII. The economy was recovering. Factories were booming. The middle class was a growing section of the population. And there was nowhere to live.

Enter Carl G. Strandlund. He pitched an idea to the government funded Reconstruction Finance Corporation (RFC) to build prefabricated homes. A $9000 home that could be manufactured in one place and shipped anywhere. These homes would be available in several model styles boasting either two or three bedrooms. They could be assembled by a team of six men using an assembly manual in only a few days!

The RSC granted Strandlund $34 million dollars in loans and set aside a good chunk of steel for his project. Lustron Homes are made of porcelain enameled steel. All of it. Interior, exterior, ceiling, roof, and some models even boasted ivory colored steel venetian blinds! They included bizarre built ins like radiant ceiling heat, a bedroom vanity, china cabinets, and even a clothes washer/dishwasher.

By 1949, Los Alamos jumped on the wagon and 6 of these homes were ordered and constructed on Fairway and 44th Street in the Western Area. The home in the picture above is Dove Gray. Other available colors included Surf Blue, Desert Tan, and Maize Yellow. The homes are made entirely of enameled steel. The company even had to come up with an upbeat decorating guide that included a picture hanging kit. Let’s just say that when decorating your Lustron, magnets are your friends.

Okay. So Lustron Homes never achieved their 100 homes/day goal. Their production line never managed to exceed 27/day. By 1950 they were bankrupt. They’d managed to crank out just under 2500 homes and had defaulted on orders for 8000 more. At the height of their production, the Columbus, OH factory was using more electricity than the rest of the entire city combined. It was a modern factory experiment that completely underestimated the cost of actually shipping these mass produced houses all over the US.

The Lustron Homes story is typically seen as a bit of a failure. The homes had limited decorating options. You can’t even repaint the interior walls. The steel plates are rather susceptible to rust. And it’s not like you can do much in the way of expansion or renovation.

However, 5 of the original 6 Lustron homes are still standing here in Los Alamos. And honestly, for our climate and the reality of living here they’re not such a bad investment. Instead of exterior paint, you just pull out the hose to refresh your look. The roof of a Lustron is totally maintenance free. The desert climate doesn’t exactly promote rusting so our Lustrons don’t have this issue. And on top of other considerations, they’re essentially fireproof.

Besides, they fit perfectly into our Los Alamos landscape. They are a piece of Post World War II history and that is very much a part of the identity of Los Alamos. Many of the Lustrons still standing around the US have been placed on the historic register. Wikipedia has a list of Lustrons HERE. You’ll notice that all of ours are conspicuously absent from that list. Go ahead and have a chuckle. After all, being absent from any list is such a vintage part of life in Los Alamos. There are so many old school examples of building and architecture here in our town. The quads and duplexes. The entire Denver Steel area, Fuller Lodge, Bathtub Row, and countless other examples of American culture frozen in time. Viewed through that lens, it seems rather fitting that we have some Lustron Homes on that list.

I’ll leave you today with a YouTube video courtesy of the Ohio Historical Society. Take a peek and enjoy a look back at what life used to be like. Sometimes as we talk amongst ourselves about spotty Internet service, online school, and work at home, it feels as though a return to a simpler time wouldn’t be so bad.

A Snapshot of Life in the 50’s.

See you soon! Keep looking for more blog posts featuring local real estate tips and ideas for Living in Los Alamos. And as always, Call or Email Kendra anytime!

What’s A Little Stuff?

August 20, 2020 /

If there’s something we see a lot of in Real Estate, it’s stuff. Yep. LOTS of stuff. It doesn’t really matter who you are or where you’ve lived, where you’re moving, or where you’re from. People accumulate stuff. We find it. We buy it. We inherit it. Other people give us THEIR stuff. And the cycle continues.

So, let’s talk about stuff for a minute. Can we? I can’t tell you how many times I’ve gone to visit with a new client and come face to face with their stuff. This can happen in any number of ways too. Maybe I’m going to their home because they’re ready to list it for sale. Perhaps I’m meeting with them because they’re in the market for another house. They need to downsize. Or they need more space. Like I said, this can happen any number of ways. Because we don’t have oodles of time and space, let’s focus on three situations that probably apply to most people in the Los Alamos area.

“Help! My new house has NO storage!”

There is always variety within a real estate market. But when Los Alamos boasts diversity in housing options, we aren’t kidding around. There are some homes that have enormous amounts of storage (yes, they DO exist!) But if your new home isn’t one of those, you might be looking for creative ways to maximize your storage.

First of all, does this picture apply to you? Do you have boxes and boxes of possessions that you’ve been carting all over the country as you move from one phase of your life to the next?

Step One: Go through your stuff. If you haven’t used it in five years, you probably never will.

There are a library’s worth of books written on the relationship between humans and their possessions. Hoarding is a word we don’t like to hear applied to us. But please go easy on yourself. Hoarding doesn’t always end in one of those homes featured on reality television. People hoard for a variety of reasons, but there is always an emotional element to it. The truth is that you’re likely to be much happier without a life filled with excess baggage. And yes, you can make an emotional parallel there if you choose.

Step Two: Identify storage areas in your home.

This isn’t just about saying, “oh yeah, there’s a closet here.” It’s about taking a critical look at the space you have and matching it with practical uses. This is also where you make an investment in organizers. The thought might seem irritating or overwhelming, but when you have a large rectangular empty space because of duct work or the chimney, an organizer solution can make that into a viable place to store books, toys, clothing, or just about anything you like. And if you’re looking for real space saving tips, I highly recommend Kendra Henning of Stuff Happens. Kendra has an absolute knack for knowing which organizer will fit what where!

Step Three: Be creative!

No room for cleaning supplies because the kitchen is full and there isn’t a proper laundry room? Do you actually USE all of your coat closet space in the front hallway? Why not store paper products and cleaning products there? Perhaps the kids need new beds anyway. Why not get a pedestal bed with storage drawers underneath? This might even be a solution for sports equipment like skis if you’ve got space beneath the bed in your master. Think outside the box and the box will suddenly seem a lot bigger!

“I’m trying to move into a larger home, but I have to sell my smaller one first!”

This sounds like a fantastic problem to have, but trying to sell a house you’ve outgrown can be tricky. First of all, see the steps above. If you’ve got unused stuff it might be time to donate or sell it. After all, you don’t want to move into a larger house and just swallow it up with a bunch of things you don’t even need!

Moving is the perfect time to purge. Get started as soon as you make the decision to put your house on the market. Perhaps even before. People need to be able to see your home. You might have outgrown it, but it may be just what they need. Unfortunately, if it is jam packed with boxes and boxes of your stuff, they can’t see just how perfect a fit it would be for them.

Don’t be afraid to start packing. In fact, DO pack. You. Are. Moving. Yes. If you pack the entire kitchen, you might have an issue making dinner, but you can pack most of the kitchen and be just fine. Moving is a mindset. Your house WILL sell. It might not sell tomorrow, but it will sell. Sure, in the interim you might experience a bit of inconvenience. Those are growing pains. They’re a natural part of this process. After all, you’re moving and eventually you will be settled in your beautiful new home! So get your stuff into boxes and tuck it into your best friend’s garage. Or your garage, if you have one. Even a month or two lease on a storage unit might be a good plan. Not to mention, paying for storage could REALLY motivate you to purge.

Once again, it’s not a bad idea to call a professional. Kendra Henning at Stuff Happens has a pretty spectacular track record with getting growing families from House A to House B with minimal fuss and stress.

“I’m downsizing after 30 years of living in the same house and I think my cat is lost in my office.”

Yes. This happens in Los Alamos more than you might think. In fact, I would bump that number up to perhaps forty plus years. This situation can also apply when an elderly parent has either passed away, or has decided to enter an assisted care facility or a smaller, senior living apartment.

This is when it can feel as though you are drowning in stuff. Paper can be one of the most prominent items to dispose of. Just because things are often all electronic now, that doesn’t mean the first thirty years of credit card statements and magazines aren’t still covering every surface in that home office. Before you get overwhelmed, ask yourself if you’re really ready to take on this task. It isn’t worth damaging yourself, your physical health, or your relationship with your elderly parent or relative when hiring a professional may be the better answer.

If that’s not an option you can choose, then I highly suggest making a plan BEFORE you attempt to sort anything. This plan should involve a realistic list of what will be useful in your/your relative’s next living situation, and then locating those items and setting them aside before you begin sorting the rest. It does no good to purge and purge and then realize you have to go and buy something you need because you already donated the one you had.

When it comes to a huge project that involves condensing decades worth of stuff accumulation, it pays to understand the ins and outs of estate sales, donations, and who to call when you need heavy lifting help. Even deciding what to keep and what to part with can be a difficult task. Remember, your unwanted junk might be someone else’s treasure, but finding that person takes industry know how and contacts.

The emotional impact of necessary purging can be paralyzing. I highly recommend calling Stuff Happens if you are facing this daunting task. Kendra Henning is a former project manager and Realtor with a deep understanding of what it takes to make an organized move happen. She is also a member of the National Association of Senior Move Managers. There are plenty of ways to make a move less stressful for your senior if you know how to work the logistics in their favor. Take advantage of Kendra’s industry knowledge to minimize the impact of this life changing event.

Whatever your issue with STUFF, remember that there are industry professionals out there who want to help. Whether you need a professional organizer or a Realtor, don’t be afraid to ask for help. We are only a phone call away!

If You’ve Got a Stuff Issue, Visit Stuff Happens ONLINE or CALL KENDRA HENNING today!

PID – Truth or Dare?

August 13, 2020 /

Los Alamos is a small town with a rich history of ingenuity and can do attitude. This is never more evident than when we’re talking about the housing market. You don’t have to be a part of this community for very long to realize that you need to be creative when it comes to living arrangements. Whether we’re talking about renovating a post World War II relic like a Lustron Home (Don’t worry. If you have no idea what this is, keep watching the blog and I’ll happily explain in a future post) or subdividing a particularly large lot to make room for a new neighbor perched on the edge of a canyon. We know how to think outside the box!

Sometimes, the need for housing pushes us into completely new territory. At least for Los Alamos. A good example of this is the Mirador subdivision currently being built in White Rock. It sits on NM State Road 4 between the White Rock Visitor’s center and the stoplight at Grand Canyon. If you’ve been to White Rock lately, you’ve no doubt noticed the rows of houses being built at what almost seems a frantic pace. You’ve probably also noticed that the land itself seemed to go through endless rounds of grading and preparation before the first houses went up and became habitable toward the end of last year.

Why did it take so long for the builder to start building actual houses?

A good portion of White Rock sits on a bed of basalt. This had to be blasted and removed before building crews could lay a foundation for the houses to be built.

“Gosh, that sounds expensive!”

It is. Or was. Or rather, it WILL be. But that’s why we’re talking about PIDs. Public Improvement Districts. You might have heard the term either in the Los Alamos Daily Post or the Los Alamos Monitor or maybe in a council meeting. Or, you might have heard about public improvement districts in relation to several of them in the Albuquerque/Rio Rancho area. This concept is widely used in other larger metropolitan areas. But Mirador is the first public improvement district in Los Alamos County.

How does this work? Here is a quote directly from the November 4, 2018 Los Alamos Daily Post Article by Carol Clark.

“So how will the PID generate money in order to cover costs for administration and infrastructure? According to agenda documents, a special levy will be assessed on property in the development. Homeowners in the Mirador development will pay this levy in addition all other taxes and charges. The levy is only collected by the County and no homeowner, property owner or commercial property owner outside the development will pay it. In an earlier article published in the Los Alamos Daily Post, Community Development Department Director Paul Andrus said the cost to the homeowner will average about $200/month under the PID.”

Hmm. Let’s relate that back to the idea of buying power. I talked about buying power back on July 29, 2020. You can see that blog post here. The face value of $200/month when you’re talking about a big ticket item like a house might not sound like a lot. But when you add that $200 as a line item to your monthly house payment, it can feel enormous.

In my previous post about buying power and low interest rates, I discussed the impact of lowering interest rates because a percentage point or two, even half a point, can be the difference between making a house affordable or not. Most home buyers come into the transaction with a comfortable number in mind. They know what they can afford each month to pay for principal, interest, insurance, and taxes. They’ve done their research. They know that they need to leave room in the budget for things like utilities and maintenance costs. There are the cost of living necessities too. And that’s when $200 can be the difference between a house with a PID levy associated with it being a good idea or not.

Here’s another thing. That levy associated with the PID sticks with the house for 30 years. Sure. Homeowner A who initially moves into this lovely, brand new house might be willing to pay that extra chunk of change each month. But when they go to sell the house, they’re going to have to find the next homeowner willing to take over payments. Depending on the future of PIDs in Los Alamos County, this could affect how future buyers view that house and what they might or might not be willing to pay for it.

Whatever the future may hold for our county and our real estate market, there is no denying that PIDs offer a lot of good incentives for development. In theory, they can keep prices down and incentivize the development of difficult property by spreading out the cost of infrastructure over time and making sure only those benefitting from the development pay for it. But there are other questions that will only be answered as time goes on.

Until we have all the answers, I suggest getting as much information as possible if you’re considering the purchase of a property with a PID attached. Find out how this affects your monthly payment and ask plenty of questions about exactly what you’re paying for. Don’t be afraid to satisfy every bit of your curiosity and get as much information as you possibly can about this new and unusual obligation you’re considering. Information is always power. And don’t forget. You can always call your Realtor with any questions or concerns about your real estate transaction.

Call Kendra Now!

Interest Rates & Buying Power

July 29, 2020 /

We all hear the talk. It’s impossible to miss. It might only be a snippet of conversation between some financial analyst and an economist discussing strategies employed by the feds to help boost the economy. But we hear an awful lot about interest rates. What do low interest rates really mean for home buyers and sellers? Let’s take a look.

Now. I’m not going to take you through all of the pieces of the financial puzzle that actually affect mortgage rates. Let’s keep it simple by saying that both banks and the federal government have an interest in how many people are purchasing a home. The bottom line is that in the beginning of 2020, we have seen record lows for interest rates on home mortgages. Yes. Coronavirus has had a negative impact on the economy, but even though interest rates have come up just a bit since the spring, they are STILL lower than they ever have been before.

What does this mean? It means your hard earned dollar can now get you a LOT more house for the money. And here in Los Alamos, this is great news! The basic laws of supply and demand mean our home prices tend to carry a higher than average median value than other areas of New Mexico. But when you have the increased buying power of a record low interest rate, this can go a long way toward bridging the gap.

If you were ever considering the purchase of a home, now is the time!

Remember that your actual mortgage payment includes more than one line item. You are likely paying $ toward your principal balance and another sum for taxes and insurance to an escrow account. You might pay mortgage insurance, and of course, you pay interest. By far the largest piece of your monthly payment is very likely the interest payment. That means, if you’ve set your heart on a house just above your initial budget, you might actually find that your budget is bigger than you thought because a very low interest rate will mean that interest portion each month is much less!

When we talk about interest rates for big ticket items like homes, a single percentage point can make a huge difference to your monthly payment. This is why pre-qualifying and getting a pre-approval from a reputable lender for your new home purchase is such a vital part of the process. Once you have started working with a lender, you will have a better picture of just how much buying power you have. Once you have this information in hand, it’s time to go shopping for that fantastic new home.

Nope. It’s almost never too late to take advantage of record low interest rates!

Don’t worry. If you bought a house in the last ten years or even the last five. Heck, even if you purchased one only a few years back, there are ways that you might be able to benefit from the current low interest rates.

“I love my house! But my interest rate wasn’t nearly as good as I could get now!”

If this is you, then maybe it’s time to refinance. There are several factors that should affect your decision to refinance, but if you love your home and plan to remain in it until you retire from the National Laboratory and head to Florida (or wherever you prefer) it might benefit you to refinance.

Remember that your home has likely appreciated this last year. Homeowners in Los Alamos County are enjoying more equity than ever. And while banks aren’t too keen to do cash out refinancing like they did a decade ago, you might still qualify for a better interest rate. You’ve been a homeowner for awhile now, right? That likely means your credit score has been improving. And now your initial down payment has been supplemented by the market value increase of your home! Equity means a bank might look even more favorably on a loan for your home. Imagine that! More buying power while buying something you already own. You might even look into a fifteen year mortgage and discover a way to pay off your big ticket investment even sooner than anticipated!

“We’ve only been in our house for a short while, but we need something else!”

Low interest rates are great news for you if you fall into this category. And don’t worry. That’s why so many homes fall into what real estate professionals sometimes call “starter homes”. They’re meant to be a start. A place to get your feet wet as a homeowner. Maybe that two bedroom quad was a snug hideaway for you and your spouse a few years ago. But now you have a toddler and another baby on the way and you’re busting at the seams.

Well, this is the perfect time to sell and move into something bigger. Remember, low interest rates mean other people looking for “starter homes” will have the buying power to do just that. Buy your home! Then you’ll be able to turn around and use your equity and that lower interest rate mortgage to purchase a home that better fits your changing needs.

So, don’t wait another minute if you’ve been thinking you can’t possibly afford the home you want. You will never know until you try. Give me a call today and let’s chat about ways to exercise YOUR buying power!

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