simi valley homes: Upgraded Home with Poss. RV Access!!!! Must See!! - 08/06/08 12:52 PM
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simi valley homes: Loan-Related Closing Costs - 11/06/07 06:17 PM
Loan Origination FeeThis covers the administrative expenses in setting-up and processing the loan. The loan origination fee may be a percentage of the mortgage amount.
Points (optional)An option for the home buyer is to pay points to lower the interest rate at which the loan will be repaid. Each point equals 1 … (0 comments)
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simi valley homes: Why you should get an Inspection? - 11/06/07 06:16 PM
Why you should get an Inspection
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, siding etc If you … (1 comments)
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simi valley homes: Should you buy points? - 11/02/07 06:26 PM
How do you "buy" a better rate?
Do you plan on keeping your loan for a while? Then it may make sense to "buy" a lower interest rate by paying one or more "points."
Even if you're unsure of how long you plan to keep your mortgage before you move or refinance, … (0 comments)
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simi valley homes: Living Trusts - 11/02/07 05:33 PM
Living Trusts
Created 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 appoint … (0 comments)
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simi valley homes: Five ways to make the loan process go faster - 11/02/07 05:30 PM
Five ways to make the loan process go faster
We should say that "working with us" is the first way! When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan … (0 comments)
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simi valley homes: Debt to Income Ratio - 11/02/07 05:29 PM
Debt to Income Ratio
Your debt to income ratio is simply a way of determining how much money is available for your monthly mortgage payment after all your other recurring debt obligations are met.
Debt limit
There is generally a debt limit associated with each type of loan, such as a 28/36 … (0 comments)
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simi valley homes: fixed rate versus adjustable rate loans - 11/02/07 05:28 PM
What are the advantages of fixed rate versus adjustable rate loans?
With a fixed-rate loan, your monthly payment of principal and interest never change for the life of your loan. Your property taxes may go up (we almost said down, too!), and so might your homeowner's insurance premium part of your monthly … (0 comments)
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simi valley homes: What is PMI - 10/25/07 04:44 PM
Private Mortgage Insurance helps you get the loan
Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio - the amount of … (0 comments)
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simi valley homes: Closing the Sale - 10/25/07 04:42 PM
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 to … (0 comments)
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simi valley homes: Documenting Assets - 10/25/07 04:33 PM
Verifying Your Down Payment,Closing Costs, Assets, Income and Debts
A 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 as a borrower.
Down Payment … (0 comments)
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simi valley homes: Why you should get an Inspection? - 10/16/07 01:37 PM
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, siding etc If you are buying a home, you … (0 comments)
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simi valley homes: Living Trusts - 10/15/07 12:47 PM
Living Trusts
Created 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 appoint … (0 comments)
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simi valley homes: Holding Title - 10/05/07 05:44 PM
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 supplied for … (0 comments)
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simi valley homes: Save money during the holidays and buy that dream house in the New Year - 10/03/07 03:48 PM
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 … (0 comments)
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simi valley homes: Things to avoid before buying a home - 10/02/07 07:25 PM
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 … (0 comments)
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simi valley homes: Winterizing Your Home - 10/01/07 11:56 AM
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, siding etc If you are buying a home, you … (0 comments)
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simi valley homes: Avoid Holiday Theft - 09/28/07 01:27 PM
Although we'd like to believe the holidays bring out peace on earth and good will towards men (as the Christmas carol goes), the weeks between Thanksgiving and New Year's Day tend to be a prime season for criminals. During this busy time of year, you can take some easy precautions to … (0 comments)
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simi valley homes: How Escrow Works - 09/27/07 12:39 PM
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 to … (0 comments)
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simi valley homes: 1837 Seasons Street, Simi Valley, Ca 93065/ 1% Buyer rebate/1% Listing Fee Full service 805-551-9489 - 09/26/07 01:44 PM
1837 Seasons St, Simi Valley,1% REBATE Type: Single Family Home Location: Simi Valley Homes-1% BUYERS REBATE(805)551-9489 Price: $735,000 1% BUYERS REBATE MLS #: 70002349
The following Virtual Tour panoramic photos for this property can be viewed online:Virtual Tour
The following Special Links for this property are available online:SEARCH 100,000 HOMES
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