Larry Tolliver's (pollish33) Blog

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Real Estate Agent - Keller Williams Realty
RECENT BLOG POSTS
The recent Southern California wildfires in October 2007 served as a reminder of how powerful Mother Nature can be.  Several homes were destroyed with thousands of people displaced from their homes proving the importance of home insurance.  Over the years the United States has suffered some of th...
11/05/2007
We often take for granted how safe our home tap water is.  In reality it may be more harmful than you think it is.  EPA (Environmental Protection Agency) mandates that all drinking water suppliers provide an annual quality statement.  You can locate these reports at www.epa.gov.  If you can't fin...
11/02/2007
The shakiest thing besides an earthquake is a preliminary title report. You can rely on these as much as winning the lottery with one dollar. These reports simply do not reveal encumbrances and liens that may be attached to the property, also they do not represent condition of title. A title insu...
10/31/2007
A reverse mortgage is a loan against the equity in the home that provides tax-free cash advances, but requires no payments during the term of the loan. Moreover, it doest not require an income or credit qualification. Basically all you need is to own your own home or condominium, and be 62 years ...
10/29/2007
 I can’t over emphasize the importance of a Home Inspection Report. For sellers this report should be included in your listing package, for buyers this will provide a clear view of any defects the home might have. Home sellers this report should be attached to your TDS (Transfer Disclosure State...
10/26/2007
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As a realtor in today's market, my job has been hampered by the "bad market" cliché. Everyone seems to have the Chicken Little "the sky is falling" mentality. I definitely agree that lenders have tightened their lending criteria. However, there are still transactions being conducted on a daily oc...
10/24/2007
When you sign a promissory note and record a trust deed, it becomes an acknowledgment of debt. A trust deed is used as the security device of preference to impose a lien on real estate. Your trust deed and notes are comprised in your loan doc's, they explain your interest rate, if your loan is fi...
10/22/2007
What can be more depressing, frightening and confusing when a foreclosure ends with an eviction? Here in California foreclosures has been growing steadily and with that comes an increase in evictions.There are certain ramifications that come with an eviction for example, if you are a tenant occup...
10/19/2007
FHA was established in 1934 and is a part of the US DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD).  A loan can be Conventional, FHA or VA.  Meaning who is insuring the loan.  Conventional loans are insured by PMI (private mi companies), FHA is insured by HUD, VA loans are insured by the Veter...
10/18/2007
In case you have been living underneath a rock the mortgage industry has been getting hammered by the subprime fallout. Adjustable Rate Mortgages has been on the rise and homeowners have not been able to keep pace with their increased interest rates. So what's next you have not made a mortgage pa...
10/17/2007
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Larry Tolliver

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