Ryan Christensen's Blog

Posted on 02/24/2021
Differentiate Your California Luxury Residence from the Competition
If you want to sell a luxury home in Los Angeles, Cupertino or elsewhere in California, you likely will need to differentiate your residence from the competition. Otherwise, you risk a long home selling journey due to the fact that your Golden State luxury residence is unlikely to stand out from comparable properties in your city or town. Fortunately,...
California
Tips On Selling
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Posted on 02/17/2021
Buying a Working Luxury Ranch
Image by Steppinstars from Pixabay Before you plunk your hard-earned money down on a working luxury ranch, look at several factors, including location, features, your experience and business opportunities. The success of the ranch hinges on your experience or the people you hire to run the ranch. Even if it’s a private ranch where you might sell horses...
Property Search
Luxury Home
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Posted on 02/12/2021
Mortgage Rate Update
Current mortgage rates: 30-year fixed-rate refinance: 2.750% 20-year fixed-rate refinance: 2.750% 15-year fixed-rate refinance: 2.125% Rates last updated on February 12, 2021. These rates are based on the assumptions shown here. Actual rates may...
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Posted on 02/10/2021
Before Selling Your Home, Assess Your Equity
Image by Wokandapix from Pixabay The equity in your home plays a major role in how much profit you'll make off the sale, but it's not always simple to determine just how much of the home you own (even if you haven't refinanced). Here are a few tips to understand equity and how you can use it to...
Equity
Home Equity
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Posted on 02/05/2021
Preparing for the 2021 Tax Season
Usually, the last thing you want to think about at the beginning of the new year is “I should do my taxes.” But even though there’s more than four months until Tax Day, it never hurts to get a jumpstart when it comes to preparing your taxes. In addition to avoiding the stress of completing your tax return at...
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Posted on 02/03/2021
Signs You Need a New Roof
Photo by David McBee from Pexels For most homeowners, the last thing they’re worried about is the physical roof over their heads. That is until their roof starts leaking after a storm. Once the water is pouring down and you’re forced to bring out buckets, you’re likely to curse yourself for not thinking about roof maintenance sooner. So,...
New Roof
Roof Inspection
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Posted on 02/01/2021
Today's mortgage rates continue to move away from record lows
Based on data compiled by Credible Operations, Inc., NMLS Number 1681276, mortgage rates have risen since Friday. 30-year fixed-rate mortgages: 2.625%, Up from 2.500% 20-year fixed-rate mortgages: 2.375%, Down from 2.625% 15-year fixed-rate mortgages: 2.375%, Up from 2.250% Rates last updated on February 1, 2021....
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Posted on 01/31/2021
TWO WAYS TO BENEFIT FROM LOW RATES AND THE 2021 HOUSING MARKET
Interest rates are at or near all-time lows and the housing market is very strong in most markets. Here are two ways to benefit:1: Homeowners: Invest in Your Home and Finance the ImprovementsFrom an investment standpoint, if you plan to be in the house less than 5 years, think in terms of whether you’ll recover the investment on a...
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Posted on 01/29/2021
HOW CHANGES TO THE GIFT TAX EXCLUSION MAY IMPACT YOU
$15,000 Annual ExclusionThe federal government gives each of us an allowance to gift anybody $15,000 per year without incurring any gift tax. This $15,000/year replenishes every year, and it’s $15,000 per person. So, theoretically, I could gift every person that I know $15,000 today, and then another $15,000 next year and the year after, and there would be NO...
Gifttax
Taxes
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Posted on 01/28/2021
TAX DEDUCTIBLE ITEMS FOR YOUR 2020 RETURNS
Points Paid on a Home Purchase in 2020 Closing Disclosure Page 2, Section A - If the origination charges on Page 2, Section A of the Closing Disclosure include points paid to your mortgage company in exchange for a lower interest rate, you can deduct those points in the year paid… even if they are paid by the...
Taxes
Taxdeductions
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Posted on 01/27/2021
How to Refinish Cabinets Like a Pro
Photo by u_jup1hbno via Pixabay Paint is the magic elixir when it comes to inexpensive home makeovers. It rejuvenates space in a way few other things can do. Yet many homeowners have blinders on when it comes to the places they can paint. Namely, they only see the walls as a palette. Let's challenge that notion and remind...
Diy
Home Improvement
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