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Author Archives: Scott Stephens
Covid19 Mortgage Relief
During these unprecedented times of uncertainty, Americans need help. The Coronavirus (Covid19) continues to wreak havoc in our daily lives and for nearly 2 weeks now, pressures and worries have been mounting concerning our health and our finances. With everything … Continue reading
Posted in Mortgage Relief
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Buyer loses $40,000 in Scam
In March the California Association of Realtors reported that a wave of earnest money deposit scams had reappeared and warned brokers and buyers to be vigilant. Here in June, these same scams are still occurring, and the perpetrators are absconding … Continue reading
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Need a Closet Organizer?
You love your home and it has an amazingly huge closet, but a startling lack of places to hang stuff. Sure, you could pile all your extra clothing, shoes and accessories in the corner, or move your antique dressers into … Continue reading
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Stormy Season is here
It was a dark and stormy night. The lights flickered once, twice and then BOOM! Everything went dark. As it turns out, it’s because a tree fell on your house and pulled down the weatherhead and, accordingly, the main power … Continue reading
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Tagged buliders, contractors, electricians, emergency contacts, financial, plumbers, Property, real-estate, security
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How to get a Great Mortgage
You’re just a few hoops away from applying for a loan that’ll get you out of the apartment life forever and into a home of your own. Before you darken a lender’s doorstep, virtual or otherwise, you should really put … Continue reading
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How do I get into my first home?
Powerful tips on what needs to be done to get into your own home. It is truly unfortunate, that these days, too many people don’t even believe in home ownership. For 95% of families, it’s the most sure way toward … Continue reading
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7 Important Tax Law Changes in 2016
As always, we publish this informations to help you. Yet we are NOT tax advisors. Please consult your tax professional for advice. 1. Three Extra Days – The tax filing deadline is delayed due to April 15 falling on a … Continue reading
Something Good out of Sacramento
We don’t hear this very often and you probably thought you’d never hear me say it. Yet Governor Brown did approve some legislation to protect families from suffering further loses, after a loved one has passed. Unfortunately, too many people … Continue reading
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6 Years of Growth could spell Trouble
Real estate and other markets have been on s fantastic run, the last 6 years. Most markets have made a full recovery from the previous down-turns. Yet, as we’ve all heard the old saying “too much of a good thing…” … Continue reading
Mortgage Closings are now Taking Longer
Some of you may have already heard about the new consumer protections called “TRID”, which stands for this mouth-full; “TILA (for Truth In Lending Act), RESPA (for Real Estate Settlement Procedures Act), Integrated, Disclosures. Yup, congress, through the Consumer Financial … Continue reading
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Tagged ag settlement, California, comparable properties, Department of Housing and Urban Development, federal housing administration, investing 101, low interest rates, mortgage bankers association, mortgage insurance premium, mortgage insurance premiums, mortgage payments, Multiple listing service, protection, Real estate broker, real-estate, Sales
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The O. C. Realty Reality 