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By Phone: 707-251-0225

By Fax: 707-251-0224

By Mail: Skip Keyser Realty, Inc., 1434 Third Street, Suite E, Napa CA 94559

In Person: We're located on the north-east corner of Third Street and School Street, at 1434 Third Street, Suite E, Napa CA 94559

How to Find Us: From Highway 29 take the First Street off-ramp east bound. This will put you on Second Street. Continue east on Second Street about 5/8 mile until you get to School Street. Turn right on School Street and you should see our office at the end of the block.

From Soscol Avenue, take Third Street west bound. We're located about 3/8 mile west of the Soscol Avenue and Third Street intersection.

Our office hours are 9:00 am to Noon and 1:00 pm to 4:00 pm, Monday through Friday, holidays excepted.

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Full Service Property Management Co. serving Napa & Solano Counties


Blog

Welcome to the Skip Keyser Realty Inc. blog.  We will post local current events and our experiences in the real estate and property management field that affects Napa Valley and the surrounding areas.  We will post your comments provided they are appropriate to the topic at hand.

In the home-shopping process please don't let this happen to you.
June 11, 2010 11:42AM
by: Irenee Ramirez
Category(s): General
When shopping for a loan to purchase your home make sure you work with a reputable bank or mortgage broker to... (more)
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Ask friends, family and co-workers who they used for a home loan.  Ask for and check references. Do you feel comfortable with the loan products offered to you?  If you don't or it seems too good to be true then take a step back and do a little more research and ask more questions.  Read the following story from the LA times.  Make sure you don't feel pressured into making a poor loan choice.

Los Angeles Times

After shopping for a home, tired buyers often make poor mortgage choices

New research suggests buyers applying for mortgage loans immediately after house hunting often make poor choices—sometimes selecting the first loan option presented, regardless of the terms with which it is associated.

KEEP THIS IN MIND

• The research, conducted by two George Washington University instructors, found "cognitive resource depletion" to be a determining factor in why some borrowers make poor choices in selecting a home loan. Cognitive resource depletion implies willpower is a limited resource that can be exhausted. The study suggests the depletion of willpower may be one reason borrowers choose loan products such as pick-a-pay mortgages, interest-only loans, loans with balloon payments, and mortgages with negative amortization.

• To test the theory of cognitive resource depletion, two test groups were created. One was presented with an online-shopping simulation, the other was not. The group completing the simulation then was tasked with selecting a set of mortgage alternatives. The second test group only was asked to select a mortgage product. Almost half of those participating in the house-shopping exercise selected a higher-risk mortgage, while less than one in five of those who did not participate in the experience selected a higher-risk mortgage.

• Although most sales contracts require buyers secure financing within a designated time period, the authors of the study recommend even financially savvy borrowers institute a waiting period of at least two days after selecting a home to purchase before applying for a home loan. To address this, the authors and most real estate professionals advise home buyers apply for a home loan and receive preapproval prior to searching for a house.

To read the full story, please click here:

http://www.latimes.com/business/la-fi-lew-20100606,0,1809394.story

 


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Renting or Buying in Napa and Solano Counties
January 4, 2009 4:18AM
by: Irenee Ramirez
Category(s): General
Rental rates are steadily increasing because more people are entering the rental market, some as a result of losing their homes... (more)
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Rental rates are steadily increasing because more people are entering the rental market, some as a result of losing their homes due to shortsales and foreclosures.  Now is a great time to buy in Napa County and the surrounding areas.  Prices are quite affordable and there are many opportunities for first-time homebuyers or homeowners who want to move up to a larger home. Interest rates are still at historical lows and the inventory of homes and condos in Napa and the surrounding areas of American Canyon, Vallejo, Fairfield and Vacaville are extensive. We recently helped our client close escrow on a shortsale just in time for the holidays.  If you have any questions, please contact us and one of our salespeople will be able to explain the homebuying process and answer any questions you may have. 


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