Judy Naimo, REALTOR®
Napa, CA 94558
Call or text me: (707) 266-8211

Email me: Judy@JudyNaimo.com

Get new listings immediately

Call Judy:(707) 266 8211, expert in Napa Valley real estate

  • •For up-to-date information on the housing market in Napa see my article below.
  • •Explore my newsletters (News tab in the top navigation bar). Read snippets below and archived articles to the right.
  • •Follow me on Facebook and Twitter.

Recommendations for those looking for a home for sale in Napa or for those who want to sell a home in Napa Valley:

        • • “The task of selling with the contingency to find a replacement property seemed daunting and complicated and Judy’s expertise and attention to detail was paramount in the successful closure of both escrows on the same day. She advised on the best way to present my house for the market and within 7 days of listing I had 3 offers, one of which I accepted. She then helped me find my replacement property, for which I had fairly specific criteria. The whole process could not have gone any smoother. I would highly recommend Judy for any real estate needs.” J. Mepham, 11-2014
        • • “Having been in sales all my adult life I feel I know a good honest salesperson when I come in contact with one… Judy Naimo is the best of the best… In the end everyone was very happy. both my wife and I and the buyers. Judy always strives for a win-win outcome. Could write about her all day. Truly the best of the best.

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JUDY’S COMMITMENT TO YOU

As you read below, you will understand why Judy Naimo is highly recommended:

“My commitment to you:
Purchase and sell real property quickly and profitably, with less disruption to your family.

Let’s develop a strategy together that:
• Suits your individual needs
• Reduces the chaos and confusion created in most real estate transactions
• Works extensively with you to negotiate a great price for your purchase
• Makes your home more appealing to buyers
• Analyzes rental inventory and financial opportunities
• Fits your long term goals
• Creates a plan to save you time, money and taxes

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Balancing Risk and Deductibles

The benefit of insurance is to transfer the risk of loss to a company in exchange for a premium. The deductible is an amount the insured pays out of pocket before the insurance starts covering the cost of the loss. The challenge is to balance the risk an insured can accept with the premium being charged.28227782-250.jpg

To manage insurance premiums, policy holders often consider adjusting their deductibles. Lower deductibles result in less money out of pocket if a loss occurs in return for higher premiums. Higher deductibles will lower premiums but require that the insured bear a larger amount of the first part of the loss.

Insurance companies offer deductibles as a specific dollar amount or as a percentage of the total amount of insurance policy. The amount is usually shown on the declaration page of homeowner and auto policies.

A small fire in a $300,000 home that resulted in $5,000 of damage might not be covered because it is less than the 2% deductible which would be $6,000. If the homeowner can afford the cost of repairs in exchange for lower premiums, it might be worth it. On the other hand, if that loss would be difficult for the homeowner, a change in the deductible for higher premiums could be considered.

Raising deductibles can save money in the present when paying the premium but could cause problems later if a claim occurs. Homeowners should review deductibles with their property insurance agent to be familiar with the amounts and make any changes that would be appropriate.


There’s A Lot Of Pent-Up Demand for Real Estate in Napa Valley

Here is an update on the housing market in Napa Valley. All the reasons that existed before about why homeowners in Napa are moving still exist. Marriage, divorce, birth, death, job transfer, and tax planning are the reasons Napa home sellers are moving too. In other words, there is a constant supply of home sellers and home buyers. You may be curious to know what happens when the Napa housing inventory is the lowest it’s been since 2005.

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Thinking about Buying a Napa home for sale?

Woulda, Coulda, Shoulda,

Buying a home in Napa is a big decision. Your family dynamics will undoubtedly dictate the right time to purchase a home. However, it’s important to consider this when you are planning.

Let’s imagine that a property appreciates about 12%; for example, the price of $350,000 goes up to $400,000.

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For More Helpful Information for Napa home buyers

You can request a HomeBuyers Guide in the right sidebar. In it you’ll find tips on Buying a home:

• The reasons why you should obtain a prequalified loan before you start looking for a home for sale in Napa

• Why it’s a good idea to get a mortgage loan consultant

• Fully understand what a FICO score is and the factors that affect it.

A Homesellers Guide is also available on request.

      • Learn the importance of a home inspection before you put your home up for sale
      • The factors that go into determining the asking price of a home
      • What is worth fixing or remodeling: Landscaping? Kitchen remodel? Entertainment center? Get the answers from Judy.

 

WHAT NAPA HOMEOWNERS SHOULD KNOW

 

 

On this website for Napa Valley real estate information, Judy intends to be a resource for whatever information you may need as a buyer or seller of a Napa home for sale as well as current homeowner. Weekly articles are added and then archived (under News) that focus on topics related to one or more these groups of people such are renting versus buying, winter maintenance tips, how personal finance affect what mortgage rate are available to you, etc. As a start, you can check out the archived materials through the sidebar under “Archives.”

You can read information created especially for the Home Buyer and for the Home Seller by making a request for the relevant guide or by reading the information filed under each category in the menu. And then checking the list of archived articles where there is even more.

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