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Closing the Sale EscrowTo finalize the sale of the home a neutral, third party (the escrow holder, a.k.a. escrow agent) is engaged to assure the transaction will close properly and on time. The escrow holder insures that all terms and conditions of the seller's and buyer's agreement are met prior...
10/25/2007
Give your mortgage an annual once overIf the last time you looked at your mortgage was when you closed on your loan, it's time to take it out for an annual once over.New loan programs and opportunities to leverage your home equity can bring you lower mortgage payments and new investment opportuni...
10/25/2007
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Verifying Your Down Payment,Closing Costs, Assets, Income and DebtsA critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts. The lender uses this step to determine your qualifications...
10/25/2007
Your credit report is a record of your credit activities. It lists all of your credit card accounts and loans, the balances as well as your payment history. It also shows if any action has been taken against you because of unpaid bills such as a lawsuit or bankruptcy filing. Because businesses us...
10/25/2007
Whether you are buying or selling a home, you should have a professional home inspection performed.A home inspection will look at the systems that make up the building such as:Structural elements, foundation, framing etc Plumbing systems Roofing Electrical systems Cosmetic condition, paint, sidin...
10/16/2007
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Living TrustsCreated while you are alive, a revocable living trust lets you control the distribution of your estate. Ownership of your property and assets is transferred into the trust. You can serve as trustee or you can appoint another to serve as trustee. If you serve as trustee, you must appo...
10/15/2007
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Before you reach the closing day, you will want to make a decision as to how you will "hold title" to the property. This decision has legal, tax and estate planning ramifications. Therefore, it may be prudent to consult an attorney or certified public accountant (CPA).The following information is...
10/05/2007
The holidays can put a dent in your savings especially if you're planning to buy a home. But there are several ways to cut costs so your finances aren't in the red by New Year's Day. Consider the following money saving tips:In lieu of buying presents for every family member, suggest a gift exchan...
10/03/2007
  Many new homebuyers make the mistake of rushing out to buy things to fill their home with as soon as the seller accepts their purchase offer and the lender pre-approves their loan. But there are still a few major hurdles to overcome before the keys are handed out. Here are some things to avoid ...
10/02/2007
 Whether you are buying or selling a home, you should have a professional home inspection performed.A home inspection will look at the systems that make up the building such as:Structural elements, foundation, framing etc Plumbing systems Roofing Electrical systems Cosmetic condition, paint, sidi...
10/01/2007
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Melissa Lefton

Real Estate Agent - Simi Valley
smartphone(805) 551-9489
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