All Blog Entries by Rick Delgado

Found 297 blog entries published by Rick Delgado.

How Appraisers Determine Home Value


If you are looking to buy, sell, or refinance a home, the transaction will almost certainly involve a home appraisal (unless an all-cash buyer is involved). A home appraisal is an unbiased opinion of the value of the home provided by a professional who is licensed or certified and who knows the local area. Federal regulations mandate that the appraiser must be impartial and should have no stake in the sales transaction of the property.


A home appraisal is usually ordered by the lender and paid for by the buyer (or refinancer) with a typical cost running between $300 and $450. The purpose is to ensure that the mortgage amount does not exceed the value of the property so that, should the lender have to…

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How Counties Assess Property Taxes


Veteran property owners know the sense of foreboding when that nondescript envelope arrives announcing the year’s property tax assessment, but if you’re new to ownership, you may not understand how taxes on your property are calculated.


In Mexico, property tax bills don’t come in the mail. Each property owner is expected to pay these taxes yearly. The county issues decreasing discounts in the first months of each calendar year so there is a strong incentive to pay in January as the discount can be as high as 20% and then decrease rapidly in February. 


Property, or real estate, taxes are calculated by your county or local government and are an essential source of income to pay for things such…

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Housing Inventory Down, Interest Rates Up

Every American trying to find a house in today’s market will face an interesting reality: there’s a lack of options. This isn’t because homebuyers can’t find homes that fit their wants, but instead because of low inventory plaguing communities across the country. With interest rates up and a low housing inventory, what’s the reality of those looking to buy or sell real estate in the market? Here’s what the latest numbers suggest.

What exactly is a low housing inventory?

Low inventory means strong buyer demand–people looking for houses–but not many sellers. This causes an imbalance creating a shortage of available homes for sale when this happens. Demand was higher than the current supply, so there was…

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Investing in Your Living Room

Getting the family together for quality time is always gratifying, and having a beautiful and cozy space where you can kick back takes the experience to a whole new level. While hiring an interior designer can sometimes be expensive, there is no better place in your home to splurge than in the main living areas. Below, we’ll discuss a few ways to invest in your living room to maximize comfort levels without compromising your budget. 

Good investments


In your living room, one of the most important pieces to splurge on is the sofa. Investing in a comfortable and durable sofa or couch that can last years and endure the wear and tear of pets, guests, and children is a smart choice. Ranging in price, you can…

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Retrofitting Your Home for Cold Durability

Retrofitting your home can radically improve energy performance, especially during winter. In some cases, retrofits can achieve up to 50% reductions by addressing different energy loads around the home. Whether you’re completing a total remodel project or you’re looking to make energy improvements to your home, these are some retrofitting projects to upgrade your home for year-round energy savings. 

Time to Service or Upgrade Major Appliances

Most of the energy load for your home comes from major appliances. While you don’t need to replace all your appliances right now, consider the ones that are not energy-efficient. Keep up with a proper maintenance schedule and upgrade them over time. Even if…

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When to Remodel Your Kitchen


Remodeling your kitchen can be a big and sometimes expensive decision. Upgrading a mid-level kitchen costs an average of $15,000-$25,000 (be aware that remodeling usually involves significantly changing layout such as cabinet type and placement, not just upgrades). A top-tier upgrade is likely to cost closer to the $45,000-$50,000 range. 


Such a significant investment begs the question as to the value you’ll recoup from your remodel. Certainly, there are factors of a kitchen that induce buyers to invest more in a sales bid, such as energy efficiency, eat-in spaces, and ample cabinet storage, but there are other intrinsic factors that might be more appealing to those who aren’t looking to sell. 



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Furniture Trends 2022


It’s hard to believe we’re still talking pandemic two years later, but 2022 is shaping up to be yet another year influenced by COVID. The more time we spend in our homes, the more important our interior surroundings become, and, as we face another year of working at home, facing travel restrictions, and dealing with the hazards of getting out and about, we’re looking to make our homes sanctuaries of all the things we need and miss. That said, here are some of the furnishing trends shaping up for 2022 to meet our pandemic desires.




Almost every designer is predicting the incorporation of nature into our interior schemes. As we spend more time indoors and are unable to travel, we want to bring a little…

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Pros and Cons of Different Piping Materials


Fortunately, the world has come a long way from using lead and clay piping. Science and technology have provided the industry with best practices to abide by, and this information has advanced the engineering of pipe materials that are now safer, more durable, and able to keep our drinking water clean. Now, stronger and safer piping such as stainless steel pipes has been widely used since World War II. What hasn’t changed is the labor-intensive process of updating piping in buildings, but choosing the right piping materials will save you the headache of future repairs or the expense of having to do it frequently. 


Types of Piping Materials On the Market


These different types of piping…

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Ideal Fabrics for Office Furniture 


The upholsteries that surround us in the workplace can have a profound impact on employees, and creating a holistic physical workspace that supports creativity, innovation, and hard work can be as easy as selecting the right fabrics for your office furniture. A few considerations to mull over when choosing materials is to think about durability, stain resistance, rub resistance, elasticity, comfort, the care process, cost, and its moisture-wicking ability. These select fabrics cultivate peace and tranquility in the workplace through durability, comfort, and style. 




Hygienic and enduring is probably one of the best combinations that you can find for office furniture. Vinyl is a…

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Trends in Door Design & Materials

Elizabeth Taylor once said, “I feel very adventurous. There are so many doors to be opened and I’m not afraid to look behind them.” If you too are feeling a little adventurous, then maybe the time has come to look at your own doors, to try something new in embracing the latest trends. Doors are, to paraphrase architect Bob Boron, the gateway to your home, ones that accent any entry, and 2021 offers a number of trends that could be the perfect accent to entering your home or as gorgeous interior touches to liven up the rooms we’ve all spent too much time in during Covid.


For those of you thinking of adding or replacing doors to liven up your living space, here are a few trends you might keep in mind as you…

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