In Yuba County
Professionally managed by Balfour Beatty Communities, Beale AFB Homes affords a wealth of benefits that are hard to match beyond the gates. The moment you tour the community, you’ll discover the built-in family atmosphere where you’ll be surrounded by support from military members and families alike. Many of the people hired to serve you are themselves former military members who have a unique understanding of your housing and lifestyle needs. All you need to do is choose from spacious, contemporary, move-in ready two-, three- and four-bedroom homes, which offer features such as central heating and air conditioning, and energy-efficient appliances. Don’t worry; the community is pet friendly and welcomes your family pets.
The exclusive amenities and commitment to customer service set Beale AFB Homes apart, and you can count on on-site maintenance and management teams to resolve emergencies 24/7. And in times of natural disaster, the entire team will work together nonstop to return your lives and homes back to normal as soon as possible.
Your new home is waiting. Call the management office at 530-788-9500 or visit the website at www.BealeAFBHomes.com to find your perfect place.
Much of Yuba County is rice fields and grazing land. If you ask how many people live in the county, some residents may jokingly tell you the cow population figures as well. However, residents enjoy relaxed, small-town living and affordable housing with ocean beaches and snowcapped mountains only a couple of hours away. The county’s border is just 30 minutes north of the state capitol in Sacramento as well.
Yuba County is considered the gateway to the historic Mother Lode Country. Founded in 1850, it is one of California’s original 27 counties. Aside from farmland, its landscape features the Yuba and Feather rivers, tight-knit communities and recreational opportunities that extend into the Sierra foothills. Yuba County is bordered by Butte County to the north, Sutter County to the west and southwest, Placer County to the southeast, and Nevada and Sierra counties to the east. For more information, check out the Yuba-Sutter Chamber of Commerce website at www.yubasutterchamber.com.
The abundant natural amenities and metropolitan offerings in the Sacramento Valley Area contribute to the high quality of life in Yuba County. In 2016, an estimated 75,275 people called Yuba County home, according to the U.S. Census Bureau. Population density in Yuba County was 114.2 people per square mile, the census found.
Yuba County’s Beale Air Force Base is host to a community of approximately 4,200 active-duty members, 5,100 family members, 1,300 civilians, 700 reservists, and 25,000 retirees, widows and retiree family members. Communities in Yuba County near Beale AFB include Linda, Marysville and Olivehurst.
The county’s communities give newcomers plenty of choices when selecting a home. Enlist the help of a reputable real estate agent to help you sort through the area’s home options. The California Association of Realtors is a central source of local real estate information and services. Those interested in purchasing a new home can find the expertise and professional services they need at www.car.org.
Linda is a census-designated place west of Beale AFB, north of Olivehurst and southeast of Marysville. The community’s 8.55 square miles are home to approximately 18,000 people. Median rent is $866, and selected monthly owner costs of housing units with a mortgage are $1,386. Mean travel time to work for those living in Linda is about 28 minutes.
Marysville is one of only two incorporated cities in Yuba County and is the county seat. The city is on the western border of the county, just east of Yuba City in Sutter County. The city’s 3.46 square miles are home to approximately 12,250 residents.
Marysville was one of California’s historic Gold Rush cities. Today, it offers shopping, dining and entertainment with an ecectic mix of boutiques, open air markets, cafes, musicians and festivals. The city, nestled between the Feather and Yuba rivers, offers plenty of outdoor recreational opportunities like boating, fishing and camping. The city is also home to parks, playgrounds, a golf course and a 20-acre motocross facility.
Median rent in Marysville is $881, and selected monthly owner costs of housing units with a mortgage are $1,283. Mean travel time to work for those living in Marysville is 23.2 minutes.
Olivehurst is a census-designated place just south of Linda on state Route 70. Olivehurst is 7.47 square miles with a population of approximately 14,000. Mean travel time to work is 28.7 minutes. Median rent in the community is $921, and selected monthly owner costs of housing units with a mortgage are $1,263.
Olivehurst Public Utility District operates and maintains more than 50 acres of family-oriented park land. These parks have many amenities, including ball fields, play structures, picnic tables, barbecue grills, a tennis court, a swimming pool and a spray park.
Planning Your Move
Relocating to a new home can be one of the most stressful situations in life. Whether moving across town or the nation, preparation and organization make all the difference.
For military moves, visit www.move.mil for information about moving resources and to learn about the allowances and responsibilities of a military-sponsored move.
Decide whether or not to make your move a do-it-yourself operation.
For a DIY move, consider distance, labor help and the costs to rent the moving van, gas, lodging during the move and insurance. A transportable storage unit can bridge a professional and DIY move. When the unit is delivered to your residence, you load and secure it for transport and then unload it at your new residence.
Whatever the method, be sure to obtain as many quotes as possible from professional movers, as well as cost estimates for a DIY move. Next, compare the costs for each type of move, factoring in the stress and physical exertion involved. Ask any company you are interested in for references and use them to inquire about reliability and customer service.
Regardless of which method you choose, the first step should be to inventory your personal belongings. The list, with photographs of any valuables, will be important for both insurance purposes and to help keep you organized during transit.
Plan for one full day to pack each room — though the kitchen and garage may take longer. Make a rough estimate of your packing schedule and then add 50 percent more time. It always takes longer than predicted to pack. Toss or donate unused items to lighten your load. Visit www.goodwill.org, www.salvationarmyusa.org or www.clothingdonations.org for locations near you or to arrange a pickup.
Pack for success:
- Consider what you are packing and control box weight. Books should go in small boxes while bedding can easily fill a larger box.
- Wrap fragile items with cardboard dividers, tissue paper or air bubble wrapping.
- Use bright colors when wrapping small items so they don’t get thrown out accidentally.
- Use crumpled paper or newspaper to line the top and bottom of boxes.
- Tape a copy of your inventory list to boxes to identify what’s inside and where it should go.
Buying Versus Renting
The decision to buy or rent is the most important step in your relocation process. Purchasing a home entails a long-term financial and emotional commitment with various pluses and minuses. Advantages include the possibility of building equity and the freedom to design and decorate your property or landscape. And don’t forget the tax benefits. Disadvantages include upkeep, property taxes and fluctuating property values.
Renting, on the other hand, makes moving easier and someone else maintains the property. Amenities such as laundry rooms, exercise rooms, swimming pools and tennis courts vary from one rental complex to another. The main disadvantage is a loss of control over the residence. Some complexes, for example, restrict or prohibit pets and personal touches such as painting. And the landlord or property managers can also raise the rent with proper notice.
To determine your best choice, account for all of your needs, review your financial situation and research your options thoroughly.
Finding An Apartment
Be prepared when you meet with the leasing agent, property manager or owner. Bring a list of what you are looking for in a rental; it is important to be clear about your needs and to get all of your questions answered. You will also need to provide information and verification about your job, your income and your past rental history. Dress to make a good impression and treat the meeting like a job interview — be polite and arrive on time.
Before you sign a lease, inspect the apartment with the landlord. Look for the following problems:
- Cracks, holes or damage in the floor, walls or ceiling.
- Signs of leaking water, leaky fixtures or water damage.
- Any signs of mold or pests.
- Lack of hot water.
- Inadequate heating or air conditioning.
Use a written checklist with the landlord to document the condition of the rental before you move in, and keep a copy of the completed checklist to use when you move out.
Information on California tenant rights, laws and protections can be viewed at www.hud.gov/states/california/renting/tenantrights.
Buying A Home
Buying a home is a complex process and, as the recent housing crisis demonstrated, requires a thorough education on the part of the buyer. First, fully understand your financial position — credit score, available savings, monthly income and expenditures. Subtracting your expenditures from your income, for instance, will yield the amount you can afford for housing.
Be sure to account for all insurance costs associated with owning a home, possible homeowner association fees and property taxes in your monthly expenditures. Overall, loan rules changed in 2015, but according to www.ginniemae.gov (Government National Mortgage Association) and www.homebuyinginstitute.com (the Home Buying Institute) loan programs continue to vary on the percentage of your income that can be used for housing-related expenses. Lenders balance debt against income to decide if an applicant will be able to repay a loan. Most conventional loans require borrowers to have no more than 43 percent total monthly debt versus their total monthly income, though there are exceptions, such as for those with significant savings. The Federal Housing Administration has a two-tier qualifying system: FHA sets its top thresholds at 31 percent front-end debt (housing expenses as a percentage of income) and 43 percent back-end debt (all debt as a percentage of income) for a 31/43 qualifying ratio. Like commercial lenders, Veterans Affairs combines front-end and back-end debt for a
41 percent limit against income.
Next, research the different types of home loans to determine the right fit for your financial situation and discuss your options with a lending professional. Lenders are diverse today, and not all homebuyers obtain their mortgage loans through their banks and credit unions. For example, you may choose to work with an internet lender, a mortgage broker, a homebuilder or a real estate agency lender. To determine which lender is best for you, get recommendations from friends and family members and check credentials as well as Better Business Bureau ratings.
A preapproved loan before starting your search for a home can determine your spending limits and signal any potential issues in the way of receiving a loan. For any home loan application, the mortgage company will order a credit report, so it would be good to get a free report in advance to determine your credit status and make sure the report contains no erroneous information.
To order your free annual report from one or all of the national consumer reporting companies: Visit www.annualcreditreport.com and complete and submit the request form online.
Home Loan Application
To complete a home loan application you’ll need: photo IDs (such as a driver’s license); Social Security numbers; residence addresses for the past two years with landlord contact information if you rented; names and addresses of your employers for the past two years; your current gross monthly income; recent financial institution statements with names, addresses, account numbers and balances on all checking, savings, CDs, money market, bonds and mutual funds accounts; recent financial institution statements with names, addresses, account numbers, balances and monthly payments on all open loans (including student loans) and credit cards; addresses and loan information of all other real estate owned; estimated value of furniture and personal property; W2s for the past two years and current paycheck stubs; copies of all divorce decrees, child support documents or any other court proceedings that affect your financial status; verification of any child support payments; and evidence of any retirement or pension benefits. VA or military forms include: DD 214 (veteran), Form 22 (National Guard), DD 1747, Off-base Housing Authority (active duty) and Certificate of Eligibility (active duty).
For more information, visit www.consumer.ftc.gov/topics/credit-and-loans.
Knowing your monthly budget and the amount of your loan is invaluable during the next phase, especially finding the answers to questions before the hunt for a home begins.
First, determine your home preferences. Does a single-family house, condo, town house or duplex best fit your needs and budget? Do you prefer a new home, an existing home or to build one? Though new homes generally cost more, existing homes may come with maintenance issues and renovation costs. How many bedrooms and bathrooms would you like? Do you want an attached garage? Will you live in the city, a suburb or the country? How close to work, school, shopping or public transportation do you want to be? Answers to these questions will greatly assist your search and the next stage — hiring a real estate agent.
The ideal agent will help find your ideal home and guide you through the purchase process. First, interview potential candidates to ensure they understand your needs, know your homebuying and neighborhood preferences, and are readily accessible.
Good luck and happy hunting!
California provides housing programs and incentives to help residents with home ownership. For more information, visit www.hud.gov and select “California” from the “State Info” drop-down menu.
Yuba County Programs
Yuba County has several housing programs and incentives to help residents with home ownership. Funds may be available for first-time homebuyers, down payment assistant and minor home repairs.
The Community Development Block Grant, a housing rehabilitation program for low-income county residents, provides low-interest loans and grants to homeowners living in single-family homes. Loans may be used to fix a variety of health and safety issues, like roofing, electrical, plumbing, flooring, windows and doors, as well as handicap accessibility projects. Loan repayment depends upon income and the ability to pay.