Ask the Expert 2021

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L A

L O E C H

WE ASKED, THEY ANSWERED...

WEDNESDAY, APRIL 21, 2021

Local experts answer some of your most common industry-related questions

2 THE DAVIS ENTERPRISE

Ask the Expert

WEDNESDAY, APRIL 21, 2021

17+ years of thoughtful home remodeling

Now that we’ve all been at home for over a year, you might be thinking what about the ways your home isn’t serving you. You might be considering whether to move or remodel. This is a big decision, here are some things to consider.

Neighborhood | You can’t take it with you. What location are you Where do you see yourself long term?

Size | You should consider the size of your ideal home. Would of your home solve your problems? If you feel you need more space, how much more would make your current home worth staying in? Moving may seem like a simple way to get more space.

But better space might be found through making thoughtful improvements to your existing home, tailored to your needs. | Many homes in Davis are smaller, older homes that remodeling one of these homes you should consider the home’s

your existing home, or the “new to you” older home.

Financing | When buying a new home, a lower interest rate doesn’t always equate to a great deal. Property taxes in California are determined by the assessed value at time of purchase. Unless you are downsizing from a relatively recent purchase, you can will still have an increased tax assessment, but it will be limited to the improvements made. Right now, is a great time to invest in your home. Interest rates are low, and Davis home values are climbing.

Process | Are you prepared to move? If you buy a new home, moving is required. In the case of remodeling, our clients often live in their home even during construction. This is achieved through careful planning, privacy walls constructed, and in the cases of a kitchen remodel – a love of take out!

(530) 750-2209 | www.makdesignbuild.com 430 F St. Suite B, Davis, CA 95616 | CL# 840316

BECAUSE YOUR HOME IS IMPORTANT

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THE DAVIS ENTERPRISE

WEDNESDAY, APRIL 21, 2021 3

Ask the Home Loan Experts

Buying a home can feel like a confusing and stressful process, but it doesn’t have to be! As Yolo County’s #1 Best Mortgage Company, we’re here to help. Whether you’re a First-Time Home Buyer or an experienced homeowner, we’ll be here to guide you through the home buying process so you can feel confident with your new home purchase.

How much should I budget?

Before you begin house hunting, you’ll wa n t to d e te rm i n e wh a t yo u c a n comfortably pay for. Lenders will look at your debt-to-income (DTI) ratio to determine how much home you can afford. Your Home Loan payment should account for no more than 35% of your monthly gross income, and your overall DTI (including your Home Loan payment) should not be more than 43% of your monthly gross income. Anything above could trap you into a payment you can’t afford. Additionally, you’ll want to consider other costs of purchasing a

home, such as the down payment, closing costs, and future upkeep.

What types of Home Loans does Yolo FCU offer?

Yolo FCU offers a variety of Home Loans tailored to fit your needs for a purchase or refinance. These include fixed- or variable-rate loans, Home Equity Loans, Mobile Home Loans, and even green solutions to help you finance energyefficient upgrades.

As Yolo County’s only locally-sourced credit union, you can trust us to be with you every step of the way. For a step-by-step guide to buying a home, check out our Home Buyers Guide at YoloFCU.org/HomeBuyersGuide. Scan the QR code with your smartphone to learn more about our Home Loan options or schedule an appointment with a local Real Estate expert today at YoloFCU.org/Schedule!

I’m ready to buy, where should I start?

Get pre-approved before you shop. This will give you a significant advantage over other potential buyers because it shows you are serious about buying. During the pre-approval process, a lender will check your credit, verify your income and employment status, and may require additional documentation. It will also give you an ideal price range for your dream home.

YoloFCU.org Federally Insured by NCUA NMLS #401954

4 THE DAVIS ENTERPRISE

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WEDNESDAY, APRIL 21, 2021

THE DAVIS ENTERPRISE

STUDIO SHOWROOM 2765 Del Rio Place Davis, CA 95618 Call today for your personal in-home appointment 530-757-6325

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WEDNESDAY, APRIL 21, 2021 5

Ask the Expert

6 THE DAVIS ENTERPRISE

WEDNESDAY, APRIL 21, 2021

Your One Stop Shop At Gallery of Fireplaces, we understand that every homeowner is unique, which is why our method is based on listening to you and your individual needs. We want to make sure that the fireplace that you choose fits you perfectly, and our friendly team is ready and willing to guide you through the shopping process from start to finish.

Our showroom will allow you to get a glimpse of how different fireplaces may look in your home. You can talk to our specialists about your home and lifestyle and get advice about which of our products can meet your needs. We make the selection process fun and easy,

which is the way that it should be.

Gallery of Fireplaces is a locally owned store, committed to offering the highest quality brands of fireplaces & accessories, grills and outdoor products, offered by an array of manufacturers. While quality seems to be an overused and subjective term, we measure quality by looking at specific product characteristics:

Materials The product uses materials that will ensure that it performs at a higher standard (i.e. hotter, more efficient), higher quality (i.e. heavier gauge steel, longer

warranty) or is more attractive (i.e. 24K gold trim, detailed log carving, realistic firebrick).

Reliability We choose manufacturers and products that invest in the best technology and manufacturing processes that will ensure that the product will work reliably for years to come.

Value We are committed to offering product brands and models that improve the value of your life. In addition to quality, we look at price in relation to other products as well as unique and distinctive

features that make a product fulfill a particular need better than other products.

In addition to installation, we can also help you keep your fireplace functioning correctly. We offer service calls so that you can get help if your fireplace isn’t

working the way that it should, and we also provide cleaning and maintenance service so that your fireplace stays in tip-top shape.

If you’re ready to add a fireplace, insert, or stove to your home, Gallery of Fireplaces is here to help you.

Free In Home Estimate!

GAS · PELLET · ELECTRIC · WOOD · MANTELS BARBECUE YEAR ROUND!

We carry Pellet & Gas Grills & Flavored Pellets

We can take care of your Fireplace Project from

Design to Finish!

ZONE HEAT, SAVE MONEY!

AUTHORIZED DEALER FOR

Full Service Custom Fireplace Makeovers

385 MERCHANT STREET • VACAVILLE 707-446-9008 www.galleryoffireplaces.com MONDAY-FRIDAY 11-6 • SATURDAY 11-4 • CLOSED SUNDAYS

& AWNINGSEENS SOLARAVSACIRLABLE! NOWree Estimates!

F

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THE DAVIS ENTERPRISE

WEDNESDAY, APRIL 21, 2021 7

SPRING STOREWIDE EntErprisE photo/DaviD DELEon

Elaine Cloutier (owner) and Joe Byrne (sales associate) will be happy to help you find the quality, comfort, style and value in your next furniture purchase. Lainey’s offers a complete selection of quality name brand furniture.

Lainey’s Furniture helps you find and care for the right furniture for your home Whether you are redecorating, moving, or just updating your furniture, the staff at Lainey’s Furniture For Living can help you find just the right items for your home. Lainey’s Furniture carries high quality furniture. Furniture purchases can put stress on your wallet, we want to make sure that our customers get the best value in the furniture that they purchase.

To extend the life of your new furniture, Lainey’s recommends the following:

Wood Furniture Use a lint-free cloth with a small amount of polish to to clean and shine your furniture on a regular basis.

When choosing a furniture polish, use the same type for each cleaning, either oil- or wax-based, to avoid polish smudges. Wipe in the direction of the grain of the wood whenever possible.

Upholstery Keep upholstered furniture out of direct sunlight as most fabrics will fade. Vacuum surfaces weekly. Flip cushions and pillows regularly so both sides wear evenly. Third-party warranties provide extended care for your upholstery as insurance against damage caused by accidental spills or tears. Some extended warranties (although an added cost) will even send a technician to your home to clean a stain or repair damage.

Leather Because leather can dry and crack, it is recommended that you keep your valuable leather furniture at least 2 feet from heat sources and out of direct sunlight.

Clean the piece with a damp sponge or soft cloth and dust it regularly. You can also use a quality leather polish.

Lainey’s Furniture is family-owned and operated by residents of Vacaville.

UP TO

30% OFF

10% OFF

STOREWIDE

All Special Orders

WE PAY THE 16thAprilthru SALES TAX! 30th 395-A E. Monte Vista Avenue, Vacaville

707.449.6385 LaineysFurnitureForLiving.com

8 THE DAVIS ENTERPRISE

Ask the Expert

WEDNESDAY, APRIL 21, 2021

Come in and see our beautiful selection of jewelry and watches!

• Jewelry & Watch Repair • Ring Sizing & Refurbishing • Engraving — Inside Rings, Bracelets • FREE Ring Cleaning & Inspection • Appraisals

Introducing New Gemologist David Carpenter Call for an appraisal appointment today!

130 G Street, Suite C, Downtown Davis (530) 753-5000 • www.3rdstreetjewelers.com