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Edward Kenzer REALTOR® (DRE License Number 00462654)
Realty Executives Platinum
41253 12th ST West, Suite A
Palmdale,  CA  93551
661.965.5239
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Beware of 'wraparound' mortgage
DEAR BENNY: I have a full-price offer on my duplex that involves a wraparound mortgage. I am a little leery of a small down payment with high-interest payments for a few years with a balloon at the buyer's refinance later. I'm told they are quite legal, but I really need to know the pros and cons. Can you enlighten me please? --Bobbie
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Appraisal rules tangle with home values
How much your home is worth depends on who's looking at it. Your home insurer will value your home in terms of the cost to rebuild it. A mortgage lender's appraiser will value your property in terms of the sale prices of similar homes in your neighborhood that sold recently. The property tax assessor may have a different set of criteria.
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Should I Refinance?

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Edward Kenzer
REALTOR®
Realty Executives Platinum
41253 12th ST West, Suite A
Palmdale,  CA  93551
661.965.5239
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
Final walkthrough a buyer's best friend
Imagine this. You move into your new home for the first time after closing and, although you transferred the utilities into your name, the lights don't turn on. There isn't a single light bulb left in the house, the yard is overgrown, and the leaky faucets the sellers were to have fixed still leak. ...more
 
Dial down holiday excess
Fiscal, nutritional and environmental excess. Such is the dark side of the holiday season. But by adopting a greener approach to festivities, that gluttony can be pared back. Here are some strategies: Plant greetings -- Abandon snail-mail cards in favor of online greetings, which eliminate paper waste and requires no fuel for delivery. But if sending cards is something you still wish to do, opt for recycled paper and cards that get second lives in the garden. Some are infused with seeds, and recipients plant the cards and later watch flowers bloom. One source is Greenfield Paper at http://www.greenfieldpaper.com/asccustompages/categories.asp?categoryid=3. ...more
 
Need fencing? Think vinyl
If you're exploring the different options for new or replacement fencing, one material to be sure to have on your list of possibilities is vinyl. Vinyl fencing manufacturers have made great strides in recent years, offering a tremendous array of sizes, styles and options to choose from. The overall quality is up; the prices have come down; and competition among the growing number of manufacturers makes it a good time to consider vinyl for your next fence project. ...more
 
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