Today's Current News, Opinion & Advice

Construction and Permanent Loans Explained

There are different types of home loans available that fall into various categories. There are fixed rate loans and adjustable rate loans. Loans for owner occupied properties and loans for rentals. There are loans for a purchase and loans for a refinance. The list is really quite extensive. Two others are construction and permanent loans.…

“Cite and Fine” Policy is at Work in California

A recent forum of the Orange County [California] Association of Realtors® focused on enforcement actions by the California Department of Real Estate (DRE). Chief among the topics was the department’s “cite and fine” policy. The presenter, Ms. Summer Goralik, is a former DRE investigator who now acts as a consultant to brokers on matters relating…

5 Mistakes Home Sellers Make

There’s no shortage of advice for home buyers. Getting approved for a mortgage or how to keep on top of a credit report is certainly good advice but there should be just as much attention given to those who are selling their home. After all, home sellers also typically turn around and become home buyers.…

5 Ways Moving Improves Your Happiness

Can moving to a new city, state, or country make you happier? It certainly has the potential to — a move gives you an opportunity to discover new interests, meet new people, and start a new chapter in your life. While the process itself may seem nerve-wracking or tedious, it can also bring about positive…

The VA Streamline

VA loans, for those eligible, are the ideal option when coming to the closing table with as little as possible is a primary goal. VA loans don’t require a down payment whatsoever and one of the few zero-down options in today’s mortgage marketplace. The VA loan program also carries with it an inherent guarantee to…

Smart Homes: Backed-Up Your Fridge Lately?

Computers may make life easier, but they don’t necessarily make things simpler or automatically safer. This is very true for smart home technology or intelligent home automation which aims to combine internet-connected computers with every aspect of home life. According to Digital Journal, “the smart or automated home applies new technology to control and automate…

Making Ethics Important

In last week’s column we emphasized the distinction between ethics as a body of rules and principles and being ethical as a disposition to conform to those rules and principles. We noted that it is certainly possible to teach someone ethics, but it is a different task to lead someone to be ethical — to…

Legal Marijuana: Where To Move, And Why

Because you need it for medical reasons. Because you want to become a grower or open a dispensary. Or because you’re simply a fan of getting high. They’re all reasons for moving to states where marijuana is now legal. But there are also a few you may not have thought about, like the fact that,…

Community Living Rules Enforcement

Question. We live in a nice community, but every so often someone breaks one of our rules. Sometimes the infraction is minor — such as washing their car on the public street. Other times, the violation is more serious, such as yelling, arguing and even threatening people. The violators may be unit owners or tenants.…