December 2011

Do you Think the Size of your Los Angeles Mortgage Matters?

So You Think SIZE Matters??     Okay … Okay … get your mind outta the gutter!          I’m talking about the SIZE of your mortgage!      Yesterday, I had to explain this important detail to yet another person involved within a mortgage transaction I am working on.  This time, a seller.      Mistakenly, they thought because the […]

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Los Angeles Homeowners, Do You Have Earthquake Insurance? If Not, Why Not?

After the devastating Northridge earthquake in 1994 which cost $44 billion in losses, insurance companies restricted the issuance of policies to cover earthquakes for fear of not being able to pay out again. In 1996 the state established the California Earthquake Authority (CEA) to fill the gap.  It is non-profit, publicly funded and privately managed,

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Just Because you are Buying a New Los Angeles Home Doesn’t Mean you don’t Need an Inspection

I am working with a first-time Los Angeles home buyer who is in the process of purchasing a brand new construction home.  The home is a stand-alone condominium, one of four on the lot. It would seem tempting to waive the inspection on a brand new home, because after all what could be wrong!  There

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Thinking of Remodeling your Los Angeles Home? What Should you Concentrate On?

You are thinking for remodeling your Los Angeles home but don’t quite know what to do that will get you the best bang for your buck.  Houselogic.com recently put together a list of 7 remodeling projects that make the most sense. So what do they think are the most important? Value Siding Vinyl siding is inexpensive,

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L.A. Love & Leashes, Helping Los Angeles’ Homeless Pets

Los Angeles has been hit hard by the economic downturn and Animal Services is one of the many departments whose financial resources have been severely cut.  Friends of L.A. Animal Shelters, a volunteer-run 501(c)(3) nonprofit dedicated to helping L.A.’s city animal shelters raises funds to provide veterinary care and innovative adoption programs for which the city shelters

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Is Your Foundation Under a Crack Attack?

One of the biggest concerns my clients have may be foundation cracks. If the foundation has problems, the entire structure may be adversely affected. But are all foundation cracks “deal breakers”? Not necessarily. Let’s talk about some of these cracks and their potential cause:     Horizontal cracks in a slab foundation   “Cold joints” (horizontal cracks) are

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The Relationship Between Your Credit Scores and Your Mortgage … More Than “Kissin’ Cousins”

Recently I was reviewing a credit report with a prospective homebuyer.  After going over a few different pieces of information together, we began to talk about differing mortgage programs available to him for his home purchase.  It’s fair to say, that this young man’s credit scores were … well, shall I say, “challenged”?  They were close to

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