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Tax Deductions and write-offs for Santa Clarita Homeowners for 2015

Tax deductions for homeowners All of the Santa Clarita homeowners should take advantage of the tax deductions, write-offs and tax breaks available for this year in 2015. Mortgage interest tax deduction Homeowners should take a mortgage interest tax deduction. To qualify, the mortgage must have some sort of residence associated with it. All forms of [...]

Personal Loans

A personal loan can be used for just about anything. In the article in The Guardian, the subject is how to get a personal loan. As you will find in this source, getting a personal loan is the easiest way to raise up to 5000 for a variety of living costs including mortgage, bills, and [...]

Castaic house for sale, 30445 Servilla Place, CA 91384

Castaic house for sale I just listed a beautiful big Castaic house for sale it is located in the upscale Hillcrest Highlands area on a quiet cul-de-sac just off of the Hillcrest Parkway at $529,990. The standard sale owner told me that she will consider all offers from home buyers. This house has great curb [...]

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Welcome to My Santa Clarita Real Estate Blog

Welcome to my Santa Clarita real estate blog. Here you will find all sorts of useful information about real estate issues. We will cover different topics ranging from basics of buying and selling a home to special situations such as divorce, short sale, probate, relocation and homebuyer grants and investment properties. We will sometimes have guest bloggers including attorneys and lenders who are specialists in different fields to address these special situations. Please feel free to ask questions since any question you have is probably also a question that other people are meaning to ask but just did not remember to do so. I will do my best to answer the question directly or find the correct“expert” who can answer it for us. The internet and my blog are excellent venues for giving your opinion about real estate related issues. It is also an excellent venue for finding the answer to your real estate questions. Remember, the only “dumb” question is one that is never asked!I look forward to blogging with you, Thanks, Lauren

Tax Deductions and write-offs for Santa Clarita Homeowners for 2015

Posted on: April 10th, 2015 by Lauren Nemeschansky 21,920 Comments

Tax deductions for homeowners

All of the Santa Clarita homeowners should take advantage of the tax deductions, write-offs and tax breaks available for this year in 2015.

Mortgage interest tax deduction

Homeowners should take a mortgage interest tax deduction. To qualify, the mortgage must have some sort of residence associated with it. All forms of homes and residences would qualify such as a mobile home, trailer, house-boat, condominium or house as long as the tax payer lives in it.

Property tax deduction

Homeowners can deduct the taxes paid on their property. If you worked out to include these taxes to be paid through your mortgage holder you can contact them for a copy or the County Tax Assessor’s office for a copy of your annual tax bill if you don’t have a copy on hand. It is generally mailed out to the homeowners, including the special city and local assessments each year.

Prepaid insurance premiums as tax deductions

Homeowners should also take advantage of deducting many types of prepaid insurance premiums, ie. VA, FHA,PMI and closing costs associated with the property when it was purchased. PMI can only be deducted for a residence purchased in 2007 or later, this may be the last year this deduction is allowed so be sure to claim it. PMI is a private mortgage insurance which buyers are required to take if they are putting less than 20% down on a residence. A homeowner can also deduct any prepaid property taxes for 2014 paid on the residence, your HUD provided by the escrow company would list all of these “prepaid” and “other” often tax deductible charges.

Prepaid interest and point as tax deductions

Homeowners should take a tax deduction for any prepaid interest or points. Usually this interest is fully deductible the year of purchase. However, it can also depending on the situation be fully or partially deducted for a refinance.

Prepaid interest and points for a refinance as a tax deduction

In the case of a refinance, the amount of the tax deduction and if and when it can be taken would depend on whether the refinance money was used 100% towards home improvements. If the refinance money was used for other purposes than a partial deduction spread out over the life of the loan may usually still be taken.

Tax deductions for energy efficient home improvements

Homeowners should also deduct any home improvements that make the home more “energy efficient.” Some examples of these would be installing solar panels, roof, energy efficient water heaters, windows, doors, insulation, Star rated air-conditioners and heaters and certain appliances. Also check with the electric company for possible rebates on some of these items.

Tax deductions for rental and vacation properties

Homeowners should also take advantage of the deductions offered for any rental property or vacation homes that they own. Many of the improvements and upkeep charges to these types of properties are tax deductible.
Feel free to contact Lauren Nemeschansky, M.S., Realtor at REMAX of Santa Clarita direct phone number (661)310-8215
Email:RealtorLauren@gmail.com
Visit my website at www.scvknow.com
This information is for general and educational purposes only and should not be relied on for tax purposes. Please check with your tax professional for details about which if any deductions would apply to your particular situation


Article: Tax Deductions and write-offs for Santa Clarita Homeowners for 2015
Author: Lauren Nemeschansky : Following me on Google plus
Source: Santa Clarita Real Estate Agent

Tax Deductions and write-offs for Santa Clarita Homeowners for 2015

I am a local real estate agent here in Santa Clarita, a suburb of Los Angeles. I love to write about real estate buying and selling and address some difficult issues such as divorce and real estate, short sales, probate and relocation. I use the power of the internet and my blog to educate because in real estate “knowledge is power.” I will also enjoy some guest bloggers who are experts in their fields such as mortgage lenders, attorneys, and credit repair experts. Don’t forget to follow me on google+ and connect with social media sites!

Personal Loans

Posted on: November 7th, 2014 by Lauren Nemeschansky 17 Comments

A personal loan can be used for just about anything. In the article in The Guardian, the subject is how to get a personal loan. As you will find in this source, getting a personal loan is the easiest way to raise up to 5000 for a variety of living costs including mortgage, bills, and holidays. You need to know the key steps, and before you even apply for a loan, you need to know that there are other institutions that can offer great personal loans.

Check your credit report

You need to check your credit report regularly. You need to check it every year to make sure it is accurate and the information is current. You can do this on the Nationwide website. If you are living with your parents, a friend, a sibling, a housemate, a workmate or anyone in a long-term relationship, it is still possible to get a credit report.

You are only allowed one-off checks to your credit report every 12 months. If your credit score drops, the name of the lender will be added to the report. So even if the information is incorrect or not current, you will still have to provide all the information requested.

If you are in doubt whether your credit report is accurate, you can ask the new owners of your credit card to ask for a credit report.

Get a lending calculator

You will need to get a lending calculator. This can be online, from a cash machine, or from a financial advisor, but many of the ones available will only give you a personal loan. So before you get into any details, do this.

Your goal is to make the maximum loan you can. The lender wants to give you a fair loan at the highest rate they can. So if you are asking for a personal loan and they can only offer you a personal loan, they might charge you a higher interest rate. Or they might decide you are a good risk, and give you the highest rate of interest. So you will need a lending calculator to check the information and make sure you are getting the best interest rate.

You will also want to take into account your risk profile: do you have a history of money problems, or are you used to living on your own? All of these factors will affect how much you will repay in interest.
Most lenders will come up with a number that you can use, but as you know, if you make mistakes with your personal loan, you can end up repaying a lot more interest than the minimum. So, make sure you get the help you need from institutions like WECU in order to keep your finances organized. In addition, if you are interested in trading, you may start looking at trade fx on VT markets in France.


Article: Personal Loans
Author: Lauren Nemeschansky : Following me on Google plus
Source: Santa Clarita Real Estate Agent

Personal Loans

I am a local real estate agent here in Santa Clarita, a suburb of Los Angeles. I love to write about real estate buying and selling and address some difficult issues such as divorce and real estate, short sales, probate and relocation. I use the power of the internet and my blog to educate because in real estate “knowledge is power.” I will also enjoy some guest bloggers who are experts in their fields such as mortgage lenders, attorneys, and credit repair experts. Don’t forget to follow me on google+ and connect with social media sites!

Castaic house for sale, 30445 Servilla Place, CA 91384

Posted on: November 9th, 2013 by Lauren Nemeschansky 17,439 Comments

Castaic house for sale

I just listed a beautiful big Castaic house for sale it is located in the upscale Hillcrest Highlands area on a quiet cul-de-sac just off of the Hillcrest Parkway at $529,990. The standard sale owner told me that she will consider all offers from home buyers. This house has great curb appeal. The address is 30445 Servilla Place, Castaic CA 91384.Castaic House for sale

Why you should be buying a house in Castaic

You should consider buying a house in Castaic." href="http://scvknow.com/blog/category/buying-a-house-in-castaic-2/"> buying a house in Castaic. Many home buyers don’t realize what a great value they can get in Castaic for a home purchase and it is a fast and easy commute just off the 5 freeway. I just spoke with some Castaic homeowners who told me that it is faster for them to get to work downtown from Castaic than it was when they lived in Woodland Hills in the San Fernando Valley because the 5 freeway near Castaic has much less traffic in the morning than the 101 freeway that they used to take.

Castaic is a safe neighborhood with excellent schools

Castaic is a safe neighborhood with excellent schools. It is a wonderful place to raise a family. You will see there are many children playing outside as they once did years ago in many areas of Los Angeles and the San Fernando Valley. The schools in Castaic are highly rated with high test scores and have won awards. They are in the process of building a new high school. Currently the children attend the local elementary schools and junior high school in Castaic. They are building a brand new high school in Castaic. Until it is completed The high school students who reside in Castaic are attending Valencia High School in Valencia, occasionally they attend West Ranch High School in Stevenson Ranch which are both very high ranking and excellent schools. Once the new high school is built it is sure to be as excellent as the elementary and Junior high that the Castaic children currently attend in Castaic.

This Castaic home for sale is an excellent value

30445 Servilla Place, Castaic CA 91384.
This Castaic home for sale is an excellent value for a home buyer. It is large, over 2,256 square feet for only $529,990. It is move in ready with many upgrades including granite kitchen counters with island, stainless appliances, fireplace, sunk in tub and separate shower, huge walk in closets, travertine large stone like neutral light beige tiles, neutral tri color beige carpet, designer lights and fresh paint. The outside is lovely. It is located on a quiet and family friendly cul-de-sac. In the big back yard there is a large wrap around covered patio with stamped stone like concrete for your outdoor dining pleasure and fine entertaining.  The front and back is newly landscaped with a large grassy back yard trimmed with nice shrubs. The house is completely fenced with block walls and new wrought iron gates. The side yard is fenced perfect for a dog run leading off the attached direct access garage.

Castaic home buying is a smart choice for wise home shoppers

Castaic home buying is a smart choice for wise home shoppers because it is such an easy commute downtown on the 5 freeway. The house is freeway close but very quiet. It only takes about 10 minutes to get to Northridge in the San Fernando Valley and is a quick drive straight on the least crowded 5 freeway to Burbank and Glendale where many people work. It is actually a quicker commute from Castaic downtown or to other areas off the 5 freeway than it is from many areas of the Santa Clarita Valley and San Fernando Valley that are much more expensive with more crowded freeways. The Castaic area is building up fast. There are new shops and restaurants being built. There is a lovely lake where fishing and swimming are permitted. Why should a home buyer buy a home in another area which may require driving on a very crowded freeway for a longer commute to work when they can purchase a fine home like this one in Castaic? This Servilla Place home is freeway close off the less crowded portion of the 5 freeway for an easy commute to Burbank, Glendale and downtown and get an extremely beautiful, newer upgraded home with much more “bang for your buck”?

Castaic homes for sale are a specialty of Lauren Nemeschansky

Lauren Nemeschansky, Realtor, has access to many Castaic homes for sale. She has lived and worked in Santa Clarita and the Castaic area for many years. Castaic is one of the best kept secrets in Northern Los Angeles County and a gem of an area just north of the San Fernando Valley and is connected to Santa Clarita, next to Magic Mountain. Castaic has nice newer shops and restaurants and is only a 5 minute drive to the large Valencia Town Center shopping mall by Westfield. Castaic has a very low crime rate and a friendly small town feel. It is a wonderful place to raise your children with excellent schools and activities for children and teenagers. Call Lauren Nemeschansky , REMAX of Santa Clarita at (661)310-8215 to learn more about this and any other homes in Castaic and find out how much a Castaic home can offer you and your family.


Article: Castaic house for sale, 30445 Servilla Place, CA 91384
Author: Lauren Nemeschansky : Following me on Google plus
Source: Santa Clarita Real Estate Agent

Castaic house for sale, 30445 Servilla Place, CA 91384

I am a local real estate agent here in Santa Clarita, a suburb of Los Angeles. I love to write about real estate buying and selling and address some difficult issues such as divorce and real estate, short sales, probate and relocation. I use the power of the internet and my blog to educate because in real estate “knowledge is power.” I will also enjoy some guest bloggers who are experts in their fields such as mortgage lenders, attorneys, and credit repair experts. Don’t forget to follow me on google+ and connect with social media sites!