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Janis Calkins REALTOR® (DRE License Number 01386481)
Ventura Property Shoppe
973 E. Main St.
Ventura,  CA  93001
805.218.7016
Contact Me
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Country Feel But City!!
$699900 Ondulando Home tucked into a Cul De Sac with Privacy! Large Bedrooms and lovely Landscaping.
VIEW!! Hillside Home Ventura
$1195000 $100,000 price reduction!! What a beautiful view from this R3-5 zoned lot. Private.
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The Blog about Your Dog!
Keep up with the latest information regarding dogs, from cute photo's to everyday helpful info.
Avoid house-rich, cash-poor pickle
DEAR BENNY: I am 58 years old and married. I have 22 years left on my 30-year mortgage, which is at 5 percent. I have a Roth IRA. I have some extra money to invest. In this current economy, what might you suggest? Should I pay money toward the principal on my mortgage? Put it in the Roth? I lost money in the stock market (bank stocks), so please don't suggest that I go back into stocks. Thanks in advance for any knowledge you might share. --Tommy
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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?
Janis Calkins
REALTOR®
Ventura Property Shoppe
973 E. Main St.
Ventura,  CA  93001
805.218.7016
Contact Me
Equal Housing Opportunity   
  
Favorite Fall Recipe!
2 Tablespoon olive oil 1 lb. Bulk Sausage 1/4 lb. shitake mushroom caps 2 Portobello mushroom caps, halved and thinly sliced 3 Garlic Cloves 1 yellow onion chopped Sale and freshly ground pepper 1/2 cup dry white wine 1 cup chicken stock/broth 1 14 oz. can pumpkin puree 1/2 cup cream 2-3 Tablespoons sliced sage leaves 1/2 Teaspoon ground nutmeg A pinch of cinnamon 1 lb. Penne Pasta Grated Parmigiano-Reggiano to taste 1/4 cup finely chopped chives
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Pricing to sell in today's market
Putting yourself in the right mindset to sell is essential. It's the most difficult aspect of selling for most sellers. Your home is worth what a buyer is willing to pay, which may not be what you think it is worth. Detaching yourself emotionally from your home is difficult. Clearing out years of clutter, depersonalizing your home by removing personal memorabilia, and staging your home for sale can help you step back and view the home as a commodity that needs to be sold rather than as your personal sanctuary. Putting your home on the market at a price that reflects what you want and not what the market will bear can cost you time and money as it sits on the market unsold. ...more
 
Loan modification “blackmail”
DEAR BENNY: My wife and I received from our lender a repayment agreement for our original mortgage. This was a result of the bank initiating a foreclosure sale, which was temporarily suspended because we agreed to enter the Home Affordable Modification Program. ...more
 
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