*********ECRWSSEDDM****

Postal Customer

City, State 5-Digit ZIP Code

HOMES LISTED AND SOLD BY RAMIRO & ERICA | 626-497-4606 | RAMIROANDERICA.COM

Facebook.com/RivasAndAssociates

Youtube.com/RivasAndAssociates

RAMIRO & ERICA ARE PROUD SUPPORTERS OF THE PASADENA HUMANE SOCIETY & ASPCA

RAMIRO & ERICA RIVAS

JOHN AAROE GROUP

42 S. PASADENA AVE.

PASADENA, CA 91105

SELLING HOMES SINCE 2003

RAMIRO & ERICA RIVAS

626-497-4606 Info@RamiroAndErica.com

JOHN AAROE GROUP

WANT YOUR HOME SOLD?

We have advanced marketing

techniques that will give your

home a competitive edge to

get it sold fast.

BUYING?

Considering buying while

interest rates are low?

We specialize in negotiating our

buyers the best offer.

WE REPRESENT:

◊ Selling of Architectural homes

◊ Selling of single family homes,

Condos & Lofts

◊ Buyer Representation

◊ Short Sales

◊ Leasing

◊ Commercial/Investment

CABIN GETAWAYS IN BIG BEAR, CA

WINTER 2013-14

Homes & Lifestyle | Ramiro and Erica Rivas

All rights reserved 2013

1130 S. FLOWER ST. UNIT 105

Live/Work loft Located across the

street from the Staples Center.

Big Bear Lake is a unique mountain resort community located 100 miles northeast of Los

Angeles and surrounded by the San Bernardino National Forest. About 21,000 residents

make their home here full-time. Big Bear's unparalleled trails and terrain parks at Snow Sum-

mit and Bear Mountain are a haven for skiers and snowboarders.

In town, stroll through picturesque village shops adorned with icicles hanging from rooftops,

then warm up with a mug of hot cocoa inside a cozy diner. Take time out with your kids for

classic winter fun and go sledding or tubing at designated snow play areas.

BIG BEAR CABIN RENTALS There is an immense selection of cabin rentals in Big Bear, and depending on the location of

the cabin, there is a wide array of price points on the cabin rentals. The further away from

the ski lodges and the lake, the lower the nightly/weekly rates are, from $100/night and up.

OWN A BIG BEAR CABIN Owning a cabin in Big Bear is highly obtainable as they start at very affordable price ranges.

A rental is a great investment opportunity due to the fact that it is easily rented out year

round, since it is a destination for visitors during all seasons. Summers are busy, as people

come to go boating in the lake and hiking in the local trails, and obviously Big Bear is known

for it’s snowboarding and skiing in the winter. In the Fall there is Oktoberfest in town, and in

Spring, it’s especially busy during Spring break.

Prices of cabins in Big Bear start around $60,000 for small cabins, and range up to $4 Mill

for gated lake front, luxury estates.

Visit www.RamiroAndErica.com/Big-Bear to view all Big Bear cabins currently for sale.

Lake front cabin rental in Big Bear, CA

HOMES

6221 MONTEREY RD, MONTEREY HILLS $440,000

SOLD

DOWNTOWN LA LOFT FOR SALE

RAMIROANDERICA.COM

HOME DESIGNING ON A BUDGET LENDERS LOOSENING HOME LOAN REQUIREMENTS

RAMIROANDERICA.COM ◊ RAMIRO & ERICA RIVAS ◊ WINTER 2013-14

The Pasadena residential market has been relatively stable and has mostly rebounded from the recent downturn experiencing a nearly 14% increase in sales prices with a $588,800 median housing value. At the point of publication, single family residential homes available ranged from $315,000-$8 Mill, while condos ranged from $215,000 - $2.5Mill.

PASADENA HOUSING MARKET STATISTICS FOR 2013

HOUSE

Reports show the average accessibility score for

U.S. borrowers rose from 103 to 106 between

July and August, indicating that borrowers had

easier access to mortgage credit.

The Credit Accessibility score is benchmarked at

100, using data from the full year of 2012, which

is where it stood in June.

In what might be good news for Realtors but bad

news for lenders, purchase loans will soon ac-

count for a bigger piece of the mortgage loan origination pie than refinancings, a re-

cent report by Ellie Mae suggests. As mortgage rates rise and the refi boom cools,

lenders may get more aggressive about competing for business from homebuyers,

loosening their underwriting standards in the process.

As home prices rise, refinance activity slows and government programs change, po-

tential borrowers are, in fact, finding it easier to gain access to credit. That’s because

lenders are easing up on down payment and credit score requirements, while still ad-

hering to conforming loan guidelines.

363

406

383

447 447

425

461 462

424 438

A BOY’S ADVENTURELAND INSPIRED BEDROOM MAKEOVER

FALL QUARTER

AVG PRICE SOLD $819,000

CONDO AVG PRICE SOLD

$588,000

TOWNHOME AVG PRICE SOLD

$508,000

Floor rug: From Home Goods $99. It flows with the worldly, traveled voyager look I was going for. Whatever theme you’re going for in a kids room, it can be easily tied to-gether with the floor rug. Keep in mind darker rugs with patterns don’t show stains as easily.

Storage: Vintage Chest from the Rose Bowl Swap Meet $50: Storage is crucial for a kids room as a means to put away a plethora of toys and books. For my stepson’s bedroom I picked up a vintage chest because it re-minded me of an old treasure chest, keeping with the adventureland theme.

Bedding: Faux fur blanket $29 from Costplus World Market. Beige comforter, Anna’s linens $40. Just like a floor rug, the bedding can really tie a room together based on

the look that you’re going for.

When school was back in session this year, I decided to take on the task of updating my Stepson, Julian’s, bedroom in our north-east Pasadena home. Fall is a season when we spend more time indoors, and is usually when most people take on the tasks of upgrading and improving dens and bedrooms; the parts of our home where we like to get cozy. Bedrooms can be the simplest room in the home to work on and so my DIY bedroom makeover for Julian’s room was done inex-pensively, especially since there is no plumbing to worry about. Knowing that my stepson absolutely loves the adventureland attractions at Disneyland, I went with that theme for his bed-room; sort a voyagers room; safari meets “Pirates of the Carrib-bean”. Although he’s only five I wanted to create a room that he won’t grow out of in a few years, so I tried not to make the room too juvenile.

Wall Paint It is a boy’s room so I went with taupe, which is a more masculine color and also falls in line with current color trends. When choosing wall colors, no matter what room in the house, choose a color that will be cohesive with the rest of the house and may add resale value to the home.

Most important with any bedroom makeover is to have fun

and be inspired!

-Erica Rivas

HOME DESIGNING ON A BUDGET LENDERS LOOSENING HOME LOAN REQUIREMENTS

RAMIROANDERICA.COM ◊ RAMIRO & ERICA RIVAS ◊ WINTER 2013-14

The Pasadena residential market has been relatively stable and has mostly rebounded from the recent downturn experiencing a nearly 14% increase in sales prices with a $588,800 median housing value. At the point of publication, single family residential homes available ranged from $315,000-$8 Mill, while condos ranged from $215,000 - $2.5Mill.

PASADENA HOUSING MARKET STATISTICS FOR 2013

HOUSE

Reports show the average accessibility score for

U.S. borrowers rose from 103 to 106 between

July and August, indicating that borrowers had

easier access to mortgage credit.

The Credit Accessibility score is benchmarked at

100, using data from the full year of 2012, which

is where it stood in June.

In what might be good news for Realtors but bad

news for lenders, purchase loans will soon ac-

count for a bigger piece of the mortgage loan origination pie than refinancings, a re-

cent report by Ellie Mae suggests. As mortgage rates rise and the refi boom cools,

lenders may get more aggressive about competing for business from homebuyers,

loosening their underwriting standards in the process.

As home prices rise, refinance activity slows and government programs change, po-

tential borrowers are, in fact, finding it easier to gain access to credit. That’s because

lenders are easing up on down payment and credit score requirements, while still ad-

hering to conforming loan guidelines.

363

406

383

447 447

425

461 462

424 438

A BOY’S ADVENTURELAND INSPIRED BEDROOM MAKEOVER

FALL QUARTER

AVG PRICE SOLD $819,000

CONDO AVG PRICE SOLD

$588,000

TOWNHOME AVG PRICE SOLD

$508,000

Floor rug: From Home Goods $99. It flows with the worldly, traveled voyager look I was going for. Whatever theme you’re going for in a kids room, it can be easily tied to-gether with the floor rug. Keep in mind darker rugs with patterns don’t show stains as easily.

Storage: Vintage Chest from the Rose Bowl Swap Meet $50: Storage is crucial for a kids room as a means to put away a plethora of toys and books. For my stepson’s bedroom I picked up a vintage chest because it re-minded me of an old treasure chest, keeping with the adventureland theme.

Bedding: Faux fur blanket $29 from Costplus World Market. Beige comforter, Anna’s linens $40. Just like a floor rug, the bedding can really tie a room together based on

the look that you’re going for.

When school was back in session this year, I decided to take on the task of updating my Stepson, Julian’s, bedroom in our north-east Pasadena home. Fall is a season when we spend more time indoors, and is usually when most people take on the tasks of upgrading and improving dens and bedrooms; the parts of our home where we like to get cozy. Bedrooms can be the simplest room in the home to work on and so my DIY bedroom makeover for Julian’s room was done inex-pensively, especially since there is no plumbing to worry about. Knowing that my stepson absolutely loves the adventureland attractions at Disneyland, I went with that theme for his bed-room; sort a voyagers room; safari meets “Pirates of the Carrib-bean”. Although he’s only five I wanted to create a room that he won’t grow out of in a few years, so I tried not to make the room too juvenile.

Wall Paint It is a boy’s room so I went with taupe, which is a more masculine color and also falls in line with current color trends. When choosing wall colors, no matter what room in the house, choose a color that will be cohesive with the rest of the house and may add resale value to the home.

Most important with any bedroom makeover is to have fun

and be inspired!

-Erica Rivas

*********ECRWSSEDDM****

Postal Customer

City, State 5-Digit ZIP Code

HOMES LISTED AND SOLD BY RAMIRO & ERICA | 626-497-4606 | RAMIROANDERICA.COM

Facebook.com/RivasAndAssociates

Youtube.com/RivasAndAssociates

RAMIRO & ERICA ARE PROUD SUPPORTERS OF THE PASADENA HUMANE SOCIETY & ASPCA

RAMIRO & ERICA RIVAS

JOHN AAROE GROUP

42 S. PASADENA AVE.

PASADENA, CA 91105

SELLING HOMES SINCE 2003

RAMIRO & ERICA RIVAS

626-497-4606 Info@RamiroAndErica.com

JOHN AAROE GROUP

WANT YOUR HOME SOLD?

We have advanced marketing

techniques that will give your

home a competitive edge to

get it sold fast.

BUYING?

Considering buying while

interest rates are low?

We specialize in negotiating our

buyers the best offer.

WE REPRESENT:

◊ Selling of Architectural homes

◊ Selling of single family homes,

Condos & Lofts

◊ Buyer Representation

◊ Short Sales

◊ Leasing

◊ Commercial/Investment

CABIN GETAWAYS IN BIG BEAR, CA

WINTER 2013-14

Homes & Lifestyle | Ramiro and Erica Rivas

All rights reserved 2013

1130 S. FLOWER ST. UNIT 105

Live/Work loft Located across the

street from the Staples Center.

Big Bear Lake is a unique mountain resort community located 100 miles northeast of Los

Angeles and surrounded by the San Bernardino National Forest. About 21,000 residents

make their home here full-time. Big Bear's unparalleled trails and terrain parks at Snow Sum-

mit and Bear Mountain are a haven for skiers and snowboarders.

In town, stroll through picturesque village shops adorned with icicles hanging from rooftops,

then warm up with a mug of hot cocoa inside a cozy diner. Take time out with your kids for

classic winter fun and go sledding or tubing at designated snow play areas.

BIG BEAR CABIN RENTALS There is an immense selection of cabin rentals in Big Bear, and depending on the location of

the cabin, there is a wide array of price points on the cabin rentals. The further away from

the ski lodges and the lake, the lower the nightly/weekly rates are, from $100/night and up.

OWN A BIG BEAR CABIN Owning a cabin in Big Bear is highly obtainable as they start at very affordable price ranges.

A rental is a great investment opportunity due to the fact that it is easily rented out year

round, since it is a destination for visitors during all seasons. Summers are busy, as people

come to go boating in the lake and hiking in the local trails, and obviously Big Bear is known

for it’s snowboarding and skiing in the winter. In the Fall there is Oktoberfest in town, and in

Spring, it’s especially busy during Spring break.

Prices of cabins in Big Bear start around $60,000 for small cabins, and range up to $4 Mill

for gated lake front, luxury estates.

Visit www.RamiroAndErica.com/Big-Bear to view all Big Bear cabins currently for sale.

Lake front cabin rental in Big Bear, CA

HOMES

6221 MONTEREY RD, MONTEREY HILLS $440,000

SOLD

DOWNTOWN LA LOFT FOR SALE

RAMIROANDERICA.COM