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Grayr Grayr C21 Everest                                RealEstate
Residential-commercial Realtor /Certified Notary Public 

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February 2013


Home clothes dryers account for more than 22,000 home fires per year. When lint builds up in

the dryer or the exhaust duct which can block the dust flow, it can result in a fire.

You can avoid the risk of starting a fire in your dryer by following a few simple preventative


1. Always remove the lint from the filter before drying a load of clothes.

2. Have your dryer vent checked and cleaned once a year. If clothes are taking longer than

normal to dry, there could be significant lint build up in the vent. It is advisable to clean around

and under your dryer periodically.

3. Never store flammable materials close to your dryer.

4. Clothes that are soiled with gasoline or other flammable liquids should be washed more than once and dried on the lowest possible heat setting.

5. Rigid metal or flexible metal duct work is preferable to the plastic accordion type.

6. Ductwork vented through the roof will require cleaning more often as some of the lint will fall back down when the dryer completes the cycle.

Following these few simple tips will help to keep your home and family safe from a

catastrophic fire.

Owen Brennen

BPG Home Inspection Services



MYTH 1 – You have to stop making payments in order for the bank to approve a short sale.

The banks need a pivotal reason in order to approve a short sale (loss of job, relocation, divorce, etc.). With current market conditions, banks generally understand the request of a short sale regardless of a missed payment.

MYTH 2 – I have two mortgages…there is no way I can do a Short Sale.

When the short sale process was just beginning, many people did not try a short sale if they had a second trust that was going to be shorted. After the huge wave of foreclosures, 2nd trust holders wised up. Now instead of foreclosing on a property and receiving $0, they have started to accept pennies on the dollar…which is better than getting nothing. In situations when the first is also going to be shorted, the 2nd will usually ask for a low dollar amount from the first or from the seller. Usually a repayment plan can be worked out that is very favorable to the seller.

Gene Bleecker

First American Title





This years home design trend is nature inspired living using color and texture. Emerald green was named the color of the year. This color represents nature, balance and harmony. It can be a beautiful backdrop for any room and is extremely versatile. The rich color has the ability to be both elegant and casual. You don’t want to overuse a trending color or style, but used in moderation can refresh any space. A few ideas for a quick update, is to add emerald toned pillows in a velvet fabric or graphic print. Accent elements placed on a mantel or sideboard add interest. For example, picture frames lacquered in the accent color or grouping vibrant vases together of the same color tone, but different shapes, adds another layer. One of my favorite ideas is to re-work a unique piece of furniture you may already have or purchase at a flea market. Explore painting or re-upholstering it in a vibrant color for a unique "wow" in a room. When using color remember to marry it with texture to give the space harmony and balance. The emerald green is a beautiful spring board for other colors such as tangerine, lemon yellow or grays. Don’t be afraid to experiment, some of the best ideas come from taking a chance.

Debbie Borreson

Borreson Design





With the recent foreclosure many homes have been purchased from banks by investors. The investors buy distressed homes at a discount, fix them up and resale them for a profit. It works for many of us who do not want to buy a home that needs major work from a bank. However, recently I have noted a disturbing trend. Homes that have been recently purchased are now discovering they have a costly termite or other wood destroying organism (WDO) problem.

Why it’s happening.

• Homes purchased without a termite


• No requirement to correct termite issues.

• Some (not all) flippers ignore or hide


• Refurbished homes keep problems hidden

from inspectors.

What to do.

• Always have home inspected by a reputable

WDO termite inspector.

• Get copies of previous inspections reports.

Here: www.wdopestboard.ca.gov

• Ask your termite inspector to review the

history of the home, if possible. Go over any

issues and make informed decisions.

Dan Caballero

General Manager

CVA Exterminators, Inc



Your home policy protects you in six primary ways; this month I’ll cover the Other Structures Coverage.

Other Structures

The most common Other Structures are sheds, stand-alone garages (known as "detached" garages in insurance terms), barns, pool houses, etc. These structures are not directly attached to your home, the "dwelling".

Other Structures have their own protection limit – the most your company will pay to rebuild them – as stated on your Declarations page. This limit will be significantly less than the dwelling limit… usually 10% - 20% of the dwelling.

For most people that’s plenty of insurance for other structures, but not for everyone. You need to know what it would cost to rebuild or replace those structures if they’re destroyed. Discuss it with your agent’s office. You can buy more protection for your other structures if you need it.

Tarrell Florent, ChFC, CLU

State Farm Insurance

Office: 661-255-2660




If you’ve been watching the economic news, you’ve probably noticed that market experts and traders have been keeping a close eye on the Commerce Department’s Personal Spending and Personal Income reports. Obviously, those reports provide insight into the health of our economy, but did you know they also influence home loan rates? That’s right, personal spending can actuall influence the interest rates that are available when you purchase or refinance a home.

Here’s why. It has to do with something called the velocity of money. Even though the government keeps pumping money into the system, nothing happens until that money is spent or lent – and passes from one hand to another or one business to another. The speed at which this money passes between parties is called the velocity of money.

With the job market still very sluggish, consumers aren’t spending much money these days, and businesses are still reluctant to spend money to make investments in their business. With the present velocity at low levels, inflation remains subdued and that’s good for home loan rates. That’s because rates are tied to Mortgage Bonds and inflation is the archenemy of Bonds, so low inflation is good for Bonds and rates. However, once velocity increases, the excess money in the system will cause inflation – which is bad for rates, since even the slightest scent of inflation can cause home loan rates to worsen.

While we certainly want to see better economic recovery news in the near future, we have to remember that there’s an inverse relationship between good economic news and Bonds and home loan rates. Weak economic news normally causes money to flow out of Stocks and into Bonds, which helps Bonds and home loan rates improve. Strong economic news, on the other hand, normally has the opposite result.

Currently, home loan rates are at a historically low level, but that situation won’t last forever. That means now is an ideal time to purchase a home or refinance before the velocity of money – and rates – change.

Terry Bleecker


Branch Manager

Golden Empire Mortgage

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Santa Clarita CA 91355

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