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Keith Wenger
Imperial Mortgage & Real Estate Services
Imperial Mortgage & Real Estate Services
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Making your home SAFE for Halloween

Halloween is just around the corner and excited little trick-or-treaters will soon be at your door. As you hang those fun Halloween decorations, consider how to also make your home safe for those little visitors.

Here are some helpful ideas from Imperial Mortgage & Real Estate Services:

Clear Walkways and Stairs
Trick-or-treaters are typically laden with masks and fancy costumes, so having your walkways and stairs clear is one of the best ways to prevent tripping. Those little ghosts and goblins are too busy counting candy, so sweep those walkways, remove any obstacles that might cause them to stumble, and keep the Halloween decorations safely out of their path.

Light the Way
String some festive lights and make sure the exterior lights on your walkways are all working and properly illuminating the pathways, stairs, porch. A dimly lit walkway may set the mood, but it also increases the chance of an accident.

Avoid Candles
Glowing jack-o’-lanterns and flickering candles make your home welcoming and attractive, but consider battery powered candles, especially outside where the little ones will be walking. Costumes are often long and flowing and real flame could pose real problems. Instead of traditional candles, use the battery powered ones. They now come in varieties that imitate the flickering candle and are just as attractive without the risk.

Halloween is about ghosts, goblins, and spooks, but this ‘frightening’ reputation doesn’t mean it should be dangerous. Consider the above safety tips for your home and enjoy the cute little trick-or-treaters, some Halloween candy, family, friends, and holiday cheer!

Happy Halloween from the home specialists at Imperial Mortgage & Real Estate.

Keith
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Real Estate has its seasons...

As we move closer to "the holidays" there are fewer and fewer houses on the market and understandably so. This year has certainly been a sellers market with low inventory throughout the entire year.

My best advice for buyers is to take this time to get your "financial house" in order so when 2018 gets here, you are in an ideal situation to find the new home that you've been dreaming of.

The article below provides sound advice on how to make that happen. Even though it is written to address first-time home buyers, it does a great job of helping you set up your finances for making a strong offer when the time is right.

Enjoy the article and our beautiful Autumn here in the Sierra Foothills.

Keith

https://money.usnews.com/money/personal-finance/articles/2014/05/23/a-checklist-for-first-time-homebuyers
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Equifax REALLY Messed Up!

I was as surprised as everyone about this huge technology company getting hacked and all of my personal information possibly being available to criminals!

The link below will take you to an article that contains sound advice...

http://www.nextavenue.org/equifax-what-do-now/?hide_newsletter=true&utm_source=Next+Avenue+Email+Newsletter&utm_cam aign=86a41ae6bc09_18_2017_Tues_Newsletter&utm_medium=email&utm_term=0_056a405b5a-86a41ae6bc 165354121&mc_cid=86a41ae6bc&mc_eid=b823e392d1
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I came across this article last week and thought it was important to share it with you. Sometimes it's really hard to talk with our aging parents about the realities of today. Here are some great tips for helping with those very important conversations.

1. Be Gentle
2. Hire someone, if it's in the budget
3. Focus on the small things
4. Appreciate that we live in a time of plenty
5. Begin as early as possible
6. Take your time - it's draining
7. Start with the paper
8. Recognize that many items are not worth what they used to be
9. Take pictures of things you have to give away
10. Just shut up and take it

To read the details and the entire article just click below

https://www.mprnews.org/story/2017/08/16/how-to-downsize
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Want to sell your home and move, but don’t want to move twice?
I get calls from clients very frequently about wanting to move and the options for that situation. I always hear we don’t want to move twice so what can we do?

Here are the options:
1) Start looking at homes and when you find one you like make an offer contingent on listing and selling your home. NOT a good option in this market. If you were the seller, would you want to wait for the buyers to sell their house in order to buy yours? Would you be flexible on the price if you were the seller? Wouldn’t you rather be looking at buyers that have their money in the bank and are ready and able buyers? Of course you would and so would ANY seller in this “seller’s market”.

2) List and get your home in escrow and then make a contingent offer on the closing of your home. This is MUCH better than option #1. In this situation, you will have more bargaining power with the seller for negotiating price and terms of your offer. This option still is not as desirable to the seller, as you can’t buy until you close your escrow. If a cash buyer or a buyer with available funds to close their loan makes an offer on the same property as you, YOU won’t win in most cases.

3) Sell your home and rent until you find the perfect home. This is really the best option but most people just don’t want to move twice and I get that, but consider this. If you sell your home first, you are in a much better bargaining position on price and terms because your offer would not be contingent on listing and selling your home. This would require moving twice and is a problem for most people.

Great News! I have been very successful in listing homes for buyers who want to move up or downsize in this market and here is how:
I list your home contingent on you finding suitable housing. When an offer comes along, I let the buyer’s agent know we may need a longer escrow or even possible a rent back after the closing of your home from the new buyers. This gives you much more time to find suitable housing for you and your family. What about being able to negotiate with the sellers of the home you want to buy contingent on the sale of your home? Here is the secret; I get the buyers of your home to get all the inspections, appraisals etc. done in the first 10 days of the escrow being opened. I also insist they remove ALL contingencies for the loan, appraisal, and inspections asap. Also, since I am a Mortgage Broker, I insist on prequalifying ANY buyer that makes an offer on your home to make sure they really do qualify for the loan in question. Here is why this matters: When I go to the sellers agent on the home you want to buy, I explain that I have a very solid deal on your home, that I have prequalified the buyers and I am confident they can get the loan and that all your buyers contingencies have been removed on your sale of your home and you are ready to purchase the home in question. You are now a real buyer and not just another contingent offer! It works my friends. Call me about your situation today.

Warmest Regards,

Keith

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It's the truth...
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You Know You're Getting Old When...
ü Everything hurts and what doesn’t hurt, doesn’t work.
ü In a hostage situation, you are likely to be released first.
ü It takes twice as long to look half as good.
ü People call at 9 p.m. and ask, “Did I wake you?”
ü The clothes you’ve put away until they come back in style… come back in style.
ü There’s nothing left to learn the hard way.
ü Getting lucky means you find your car in the parking lot.
ü You are cautioned to slow down by your doctor instead of the police.
ü You can’t remember the last time you laid on the floor to watch television.
ü You conclude that your worst enemy is gravity.
ü You finally got your head together, now your body is falling apart.
ü You have more patience; but actually, it’s just that you don’t care any more.
ü You have too much room in the house and not enough in the medicine cabinet.
ü You just can’t stand people who are intolerant.
ü You know all the answers, but nobody asks you the questions.
ü You sing along with the elevator music.
ü You sit in a rocking chair and can’t get it going.
ü You wonder how you could be over the hill when you don’t even remember being on top of it.
ü Your idea of a night out is sitting on the patio.
ü Your idea of weight lifting is standing up.
ü Your memory is shorter and your complaining is longer.
ü Your mind makes contracts your body can’t keep.
ü Your secrets are safe with your friends because they can’t remember them either.
ü Your try to straighten out the wrinkles in your socks and discover you aren’t wearing any.
ü You’re on vacation and your ENERGY runs out before your money does.
ü You want clothes for Christmas.
ü You are proud of your lawn mower.
ü Your supply of brain cells is finally down to a manageable size.

Market Update
The real estate market in our area is a very strong sellers’ market because of lack of inventory and lots of buyers competing for the few properties that are available. If you price your property correctly, you will get multiple offers and a slew of showings and interest. What a Great time to sell!
Lots of new loan products out there for folks who have gone thru a foreclosure and several new programs for first time buyers with only 3% down. Call me for details. Do you know someone who needs to buy or sell in this market? That’s why I’m here so give me a call…

Keith’s Korner
Margie and I just got back from a week in Cancun, Mexico where we celebrated our 30th anniversary! We had a great time and we are very proud of our accomplishment of raising 6 kids in this world and keeping our marriage in tact! We are blessed beyond belief!
Kids are all doing well. Stuart gets his driver’s license in a week and promises to be the first Wenger child not to wreck his car! We are hopeful. Jessica and Charla are doing great in Arizona at college and Brent is in Chico and will start Chico State in the fall. Elise will start her Respiratory Therapist training in the fall as well. Bethany is still Chilin here in Auburn and going to Sierra College and will start her 2nd year in the fall. Hope all is well with you and yours!
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From our family to yours...
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My Valentine!

I met my beautiful wife Margie at the Madison Bear Garden in Chico, Ca. in my last semester at Chico State where I studied Marketing. She wasn’t too crazy about me at first because I was a little cocky, loud, etc. but I guess you could say I grew on her!

She is the oldest of 12 children and it took a while, but finally I convinced her to introduce me to her family in Auburn, Ca. They were not impressed with me at all! I guess I grew on them too, as we were married one year later.

Two years after that we started our family and it just never stopped!! Margie has blessed me with 6 wonderful kids, 4 girls and 2 boys.

I’m not going to kid myself or any one else by saying that it has always been a smooth ride, but it’s a ride I have come to cherish and my love for her and my family grows every day.

Take some time this Valentine’s Day and do something special for the person you care about. Cherish your time together as nothing lasts forever!

Happy Valentine's Day,
Keith
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