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Tuesday, August 27, 2019   /   by Ken A Parker

How to Stop Paying Rent: 6 Little Known Facts That You Help You Buy Your First Home

Don't Pay Another Cent in Rent to Your Landlord....

It's a dream we all have-- to own our own home and stop paying rent. But if you're like most renters. You feel trapped within the walls of a house or apartment that doesn't seem like yours. How could it when you're not even permitted to bang in a nail or two without a hassle. You feel like you're stuck in the renter's rut with no way of rising up out of it and owning your home. 

Don't feel trapped anymore.....

It doesn't matter how long you've been renting, or how insurmountable your financial situation may seem. The truth is, there re some little known facts that can help you get over the hump, and transfer your status from renter to homeowner. With this information, you will begin to see how you really can:



Save for a down payment
Stop lining your landlord's pockets and 
Stop wasting thousands of dollars on rent. 



There are many important issues you should be aware of that affect you as a rent ...

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Friday, August 16, 2019   /   by Ken A Parker

4 Things You Need to Know to Pass Your Home Inspection

1) Detective Plumbing 


Defective plumbing can manifest itself in two different ways: leaking and clogging. A visual inspection can detect leaking, and an inspector will gauge water pressure by turning on all faucets in the highest bathroom and then flushing the toilet. 

If you hear the sound of running water, it indicates that the pipes are undersized. If the water appears dirty when first turned on the faucet, this is a good indication that the pipes are rusting, which can result in severe water quality problems. 

2) Inadequate Wiring & Electrical 


Your home should have a minimum of 100 amps service, and this should be clearly marked. Wire should be copper or aluminum. Home inspectors will look at octopus plugs as indicative of inadequate circuits and potential fire hazard. 

3) Roofing Problems


Water leakage through the roof can occur from a variety of reasons such as physical deterioration of the aspha ...

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  home inspection

Tuesday, March 25, 2014   /   by Ken Parker

Why it is a great time to buy...! Interest Rates in Review

Mortgage Rates Through the Years
Here’s an overview of mortgage rates in the past four decades, as well as the approximate payment on a $200,000 mortgage and how it changes with the rise and fall of rates, according to Freddie Mac.

1970s
Average 30-year fixed-rate mortgage: 8.86%
Approximate payment on a $200,000 mortgage: $1,589
1980s
Average 30-year fixed-rate mortgage: 12.70%
Approximate payment on a $200,000 mortgage: $2,166
1990s
Average 30-year fixed-rate mortgage: 8.12%
Approximate payment on a $200,000 mortgage: $1,484
2000s
Average 30-year fixed-rate mortgage: 6.29%
Approximate payment on a $200,000 mortgage: $1,237
2014
Average 30-year fixed-rate mortgage: 4.36%
Approximate payment on a $200,000 mortgage: $997

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Tuesday, August 07, 2012   /   by Ken Parker

HAFA Sort Sale Foreclosure Alternatives - Matrix

Here is some help with HAFA Basic Eligibility
Loans in Foreclosure
Program Exiration Date
Without Offer - HAFA Short Sale Agreement (SSA)
With Offer - Submitted Using an Alternative Request for Approval of Short Sale (ARASS)
Imminent Default (Past due less than 60 days)
Establishing Property Value
Disputed Valuations
Payments During Marking Period
Relocation Assistance - Up to $3,000
Second Lien Release Incentive - Up to $8,500
Deed in Lieu
Average Timelines - Without an Offer
Average Timelines - With an Offer



 




   



     
Home Affordable Foreclosure Alternatives (HAFA) Short Sale       Update
     
HAFA Supplemental Directive 12-02, effective June 1, 2012, impacts short sales with loans from non-government-sponsored enterprises in which the homeowner is eligible for the HAFA program.
     
Key enhancements include:
     
&n ...

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Thursday, July 19, 2012   /   by Ken Parker

6 Things You Must Know Before Obtaining a Mortgage

New post body.
Save Time and Be Prepared to Make your Offer when the Time is Right!
 
 
6 THINGS YOU MUST KNOW BEFORE OBTAINING A MORTGAGE


Mortgage regulations have changed significantly over the last few years, making your options wider than ever. Subtle changes in the
way you approach mortgage shopping, and even small differences in the structure of your mortgage, can cost or save you literally
thousands of dollars and years of expense.

Whether you are about to buy your first home, or are planning to make a move to your next home, it is critical that you inform
yourself about the factors involved.

Industry research has revealed that there are 6 common mistakes that most homebuyers make in mortgage shopping that can have a
significant impact on the outcome of this critical negotiation. If handled correctly, these issues could result in a mortgage
that will cost you less over a shorter period of time.

Before you commit your hard earned dollars to monthly mo ...

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Good Deal Realty, Inc
Ken Parker
12402 Industrial Blvd. Ste A-2
Victorville, CA 92395
760-951-9050
DRE# CalBRE# 1524222

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