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Charity Alliance Realty Monthly
Ray Calnan REALTOR® (DRE License Number 01453863)
Charity Alliance Realty
11024 Balboa Blvd.
Suite #231
Granada Hills,  CA  91344
818.825.5256
818.717.7354 
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Box Canyon Land
35K SF of land located in Ventura County on Box Canyon. Rustic feel. Zoned for horses. Only $275,000
Affordable Northridge Condo.
This beautiful Northridge condo is only $389,000! Near CSUN, shopping & Freeways.
Are home warranties a good deal?
When something malfunctions in your home, wouldn't it be wonderful if you could pick up the phone, request a service call, pay a nominal service charge and have the problem fixed? In theory, this is how a home protection plan works.
...more
Appraisals killing deals in many markets
Finding the right house to buy is never easy; selling a home today is also challenge. It's best to prepare yourself for obstacles that could cross your path so that you're prepared should they arise.
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Don't tap that HELOC
DEAR BENNY: We have a HELOC (home equity line of credit) at a current interest rate of 4.75 percent. We have not drawn on the account. We are 20 years into a 30-year home mortgage with a fixed rate of 8.75 percent and owe about $32,000. Our home is listed on the appraisal rolls at $306,000. We would like to draw on our HELOC to pay off our first mortgage. We understand that the 4.75 percent is not a fixed rate and will be adjusted monthly depending on the prime rate. We also understand that we must pay interest on it monthly and in nine years will have to begin repaying principal. There are no prepayment penalties. It sounds too good to be true that we could pay off our 8.75 percent mortgage loan with a HELOC at a current rate of 4.75 percent. Are we missing something? –Barbara
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
Ray Calnan
REALTOR®
Charity Alliance Realty
11024 Balboa Blvd.
Granada Hills,  CA  91344
818.825.5256
818.717.7354 
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
About Charity Alliance Realty
At Charity Alliance Realty, we pride ourselves on giving each client our full attention and expertise to achieve the best purchase/sale price. Through the use of technology, creative negotiating, and a superb referral network throughout the Southern California area, we have the power to help bring buyers and sellers together. ...more
 
Going solar: Is it right for your home?
Just a short time ago, saving the planet took precedence over saving a dollar. Times have changed, but in today’s economy homeowners are still trying to find ways to do both. Just ask John Shipman, an energy analyst at Energy Efficiency Management (http://www.energyefficiencypro.com/) and a green home performance contractor with Energy Star (http://www.energystar.gov). Shipman states that his company’s "whole-house energy audits have increased three folds" since President Obama has taken office. The President’s stimulus package has made energy conservation a priority with initiatives that focus on energy-efficiency upgrades to homes and businesses. ...more
 
Inherit home, refi immediately?
DEAR BENNY: My husband and I inherited a home from my husband's uncle who passed away a few weeks ago. Will the lender expect us to refinance the home or can we just assume it even if it is a conventional loan? –Karen ...more
 
Dos and don'ts of home selling
An energetic real estate agent can have your home on the market in a day. However, to provide the kind of marketing exposure you need to sell in today's market takes a little longer, unless your home is photo-ready when you list. ...more
 
What is an EcoBroker?
Valley Interfaith Council
Why Use an ePro?
 
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