The Groves Team Your N CA Mortgage Team

Choosing a great real estate agent to help you with your Santa Rosa home purchase can be tricky.  Not all agents are alike!  “Size matters not, ... Look at me. Judge me by size, do you?”  But EXPERIENCE does matter! Experience and wisdom really count in a challenging real estate purchase market ...

Most people think about gratitude right around Thanksgiving.  And since it's still November and Thanksgiving was just a few days ago, I figured I could sneak in this post before all the Christmas stuff starts jingling away.   What is gratitude? One definition defines gratitude as a feeling of app...

'Twas the night of Thanksgiving, but I just couldn't sleep,I tried counting backwards, I tried counting sheep The leftovers beckoned - the dark meat and whiteBut I fought the temptation with all of my might Tossing and turning with anticipation,The thought of a snack became infatuation So, I rac...

    Daylight Saving Time officially ends in Santa Rosa, California early Sunday morning, Nov. 6th.   Remember that we will gain an extra hour of sleep tonight as we ‘fall back’. It’s a great time to remind yourself to also check the batteries in your smoke alarm/detectors around the house.  It co...

Spiders and skeletons and bats, Oh Boy! Halloween is in a couple of days and that is always one of my favorite holidays to decorate our home at Creekside Groves in . I have the fog machine, witch’s cauldron, skeletons, grave stones, strobe lights and scary music.Fun, fun, fun!! And it’s always su...

California may be noted for it's earthquakes, but a larger threat is really from wildfires. Given the mild climate in many areas, the biggest danger exists when weather patterns in an area of the state become warm and dry, and vegetation (which is the fuel) has a low moisture content point, so wa...

You're just about ready to close escrow on your new home and you couldn't be more excited.  The lender is finalizing the loan documents and waiting to fund your loan.   You feel the excitement and anticipation of moving into a home of your own. Your great real estate agent calls and says to meet ...

Are you a W2’d Stormtropper or are you a self employed Bounty Hunter working on contract? How the lender calculates your income for your first home loan could come as a real surprise to you. Here’s the secret to most lending... the loan is based on your taxable income and your ability to repay th...

Buyers, do you know if registered sex offenders live in the neighborhood you are considering moving into? This might be of real concern to you, especially if you have a family with young children. All real estate transactions come with a mountain of paperwork it seems, but one of the most importa...

Is your credit in tip top shape, or is it the Phantom Menace? Lenders don’t mess around anymore... we all know how difficult lending guidelines have become, and most loan programs have minimum credit score requirements and the cost of obtaining your interest rate will also be determined by your s...