Tuesday, February 02, 2010

How To Establish a Good Credit History

The key to establishing a good credit history is honoring your promise to repay loans, or credit cards as agreed on time and in the amounts schedule.  Failure to do so will make it diffucult and costly for you to borrow money for the things that you need for yourself and yur family, including a home, an education, or medical care.

Even though your intentions may be good, events may occur such as  medical emergencies or losing a job, that impact your ability to repay your loans. That's why it's critical to set up and contribute regularly to a savings plan.  By doing this, you will have funds available to honor your credit agreements in spite of unforeseen challenges.

Remember that even if an emergency, is the reason for you late payment or delinquent account, it can be reported to the credit reporting agency.

If you do not have a credit, rarely borrow money, or use a credit card, consider applying for one or two cards to establish some credit. Shop around and review the interest rates and fees.  Use the credit cards carefully, paying off the debt each month.  You should alse keep your overall debt a a reasonable level relative to your income.  Generally speaking, your expenses should not exceed more than 20% of your take home net pay, excluding a house payment.

Remember, Credit is a privilege!  The ability to borrow money at reasonable terms and rates can not be taken for granted or assumed.

http://www.sfvalleyhotproperties.com/

Tuesday, January 26, 2010

Home Values for Zip Code 91344










Zipcode

City

County

National



Median Home Value $490,170 $561,163 $412,900 $188,800

Home Appreciation -27.1% -21.7% -23.8% -4.6%
















Thursday, January 14, 2010

Canoga Park Homes and Condos on Short Sale Available as of 14/01/10

Residential


RES MLS # Status P V H T Q Type A/D Address City Area Zip TGNO Trct/M Bd B t/f Sty Gar SqFt Yr Blt Price DOM

1 MRM-M09124260 A 4 H T Q SFR D 8736 HANNA Ave CP OA 91304 530A1 / 5 3/3 2 2 A 2,106 1964 $545,000 54

2 F1819170 A 1 H T Q CONDO A 20234 Cantara St 259 CP WS 91306 530D2 OTHR/0 0 1/1 1 1 427 1979 $65,000 139

3 F1798582 A 3 H T Q CONDO A 21800 schoenborn 166 CP WS 91304 530a2 OTHR/1 1 1/1 2 0 589 1980 $74,000 338 *

4 F1816988 A 6 H T Q CONDO A 21801 Roscoe Blvd 245 CP WS 91304 530A2 OTHR/0 1 1/1 1 2 511 1980 $80,000 156 *

5 B2104933 A 8 H T Q CONDO A 7632 Topanga Canyon Blvd 211 CP WS 91304 530A4 OTHR/1 1 1/1 1 2 700 1980 $109,000 332 *

6 F1828628 A 1 H T Q CONDO A 20134 Leadwell St 148 CP WS 91306 530E4 OTHR/0 2 1/1 1 0 855 1971 $124,900 29 *

7 F1830187 A 7 H T Q CONDO A 21838 Saticoy St C CP WS 91304 530A4 OTHR/0 2 3/3 2 2 1,002 1992 $140,000 9

8 F1778398 A 5 H T Q CONDO A 7632 TOPANGA CANYON Blvd 101 CP WS 91304 530A4 CUST/0 2 2/1 2 2 940 1980 $149,000 329 *

9 F1812617 A 1 H T Q CONDO A 8601 INTERNATIONAL Ave 226 CP WS 91304 530A2 OTHR/0 2 2/2 1 1 900 1971 $150,000 199 *

10 F1797353 A 1 H T Q CONDO A 20930 Parthenia St #201 CP WS 91304 530C1 OTHR/0 1 1/1 1 1 628 1976 $160,000 349

11 F1830385 A 1 H T Q CONDO A 21800 Schoenborn St 270 CP WS 91304 530A2 CUST/o 3 2/2 2 0 1,095 1980 $165,000 3

12 F1815172 A 14 H T Q CONDO A 21529 W Saticoy St 202 CP WS 91304 530A4 OTHR/0 2 3/2 3 1 1,157 1982 $170,000 87 *

13 F1828931 A 0 H T Q CONDO D 20235 Keswick St 103 CP WS 91306 530D4 OTHR/0 2 2/2 1 2 1,021 1982 $170,000 26

14 R905500 A 0 H T Q CONDO A 21720 Hart St 11 CP WS 91303 530A5 CUST/0 2 2/2 2 2 990 1985 $180,000 136

15 F1827418 A 8 H T Q CONDO D 21720 Hart St 14 CP WS 91303 530A5 CUST/0 2 2/1 3 2 990 1985 $180,000 43 *

16 F1830438 A 1 H T Q CONDO A 21019 Gresham St 18 CP WS 91304 530B1 OTHR/0 2 3/3 2 2 A 1,371 1979 $180,000 12

17 F1826238 A 4 H T Q CONDO A 7005 Jordan Ave 107 CP WS 91303 530A5 OTHR/0 2 2/1 2 2 986 1985 $185,000 59

18 F1809151 A 1 H T Q CONDO A 20807 Roscoe Blvd 7 CP WS 91306 530C2 OTHR/1 3 3/3 S 2 1,264 1979 $206,000 233 *

19 F1830457 A 7 H T Q CONDO A 21054 Parthenia St 5 CP WS 91304 530B1 OTHR/T 3 3/2 S 2 A 1,473 1981 $229,000 5

20 F1814785 A 2 H T Q SFR D 7027 Variel Ave CP WS 91303 530B5 OTHR/0 3 1/1 1 0 884 1953 $230,000 178 *

21 F1818304 A 1 H T Q CONDO A 8540 De Soto Ave CP WS 91304 530B1 OTHR/0 3 3/1 2 2 A 1,785 1979 $255,000 89 *

22 F1813399 A 10 H T Q CONDO A 20909 GAULT St CP WS 91303 530C5 CUST/0 3 3/3 2 2 A 1,560 2002 $260,000 198

23 F1814554 A 1 H T Q SFR D 7026 VARIEL Ave CP WS 91303 530B1 OTHR/0 2 1/1 1 2 800 1955 $260,000 152

24 F1827358 A 1 H T Q SFR D 7559 Remmet Ave CP WS 91303 530A4 OTHR/0 2 1/1 1 2 912 1948 $280,000 17

25 CLW-09413029 A 1 H T Q SFR D 20311 PARTHENIA St CP WS 91306 530D1 / 4 2/ 1,522 1956 $290,000 52

26 F1830459 A 1 H T Q SFR D 7406 Independence Ave CP WS 91303 530B4 CUST/0 3 1/1 1 0 1,100 1951 $309,900 5

27 MRM-C09051152 A 1 H T Q SFR D 8130 LOMA VERDE Ave CP WS 91304 530C2 / 3 2/1 1 2 D 1,606 1957 $335,000 208 *

28 F1808252 A 1 H T Q SFR D 22037 Schoolcraft St CP WS 91303 530A5 OTHR/0 2 2/1 1 2 869 1949 $350,000 220

29 F1815050 A 20 H T Q SFR D 7753 De Soto Ave CP WS 91304 530C3 OTHR/- 4 2/1 1 2 D 1,497 1954 $350,000 176 *

30 F1820439 A 1 H T Q SFR D 8364 Hillview Ave CP WS 91304 530A2 CUST/1 3 2/2 1 2 1,658 1956 $350,000 119 *

31 F1825729 A 7 H T Q SFR D 21915 Cohasset St CP WS 91303 530A4 OTHR/0 5 3/2 1 2 2,220 1950 $350,000 66 *

32 F1830098 A 1 H T Q SFR D 8369 N Moorcroft Ave CP WS 91304 529J2 OTHR/1 3 2/2 1 1 1,569 1959 $350,000 6 *

33 CLW-10420665 A 6 H T Q SFR D 20351 KESWICK St CP WS 91306 530D4 / 4 3/ A 2,178 1965 $359,000 5 *

34 F1830307 A 8 H T Q SFR D 21055 Blythe St CP WS 91304 0530B3 CUST/0 4 2/1 1 2 D 1,759 1958 $369,000 4

35 F1819116 A 1 H T Q SFR D 19919 Vanowen St CP WS 91306 530E6 OTHR/0 4 2/2 1 0 1,638 1948 $399,000 136

36 F1822231 A 5 H T Q SFR D 23124 Jonathan St CP WS 91304 529G2 OTHR/0 4 2/2 1 2 1,660 1962 $400,000 101

37 F1830102 A 0 H T Q SFR D 8854 Farralone Ave CP WS 91304 529J1 CUST/0 3 2/2 1 0 2,873 1937 $445,000 6

38 CLW-09411685 A 19 V H T Q SFR D 7943 NITA Ave CP WS 91304 529J3 / 3 2/1 2 A 1,697 1958 $450,000 60 *

39 F1820953 A 2 H T Q SFR A 20951 Ingomar St CP WS 91304 530C3 OTHR/0 3 2/2 1 2 A 1,354 1958 $560,000 117

Canoga Park Home and Condo in Foreclosure Process as of 01/14/10

Home


MLS          Status Type A/D Address City Area      Zip    TGNO  Bd B  SqFt Yr     Blt Price  DOM

1 F1814554 A SFR          7026 VARIEL Ave CP  91303 530B1  2  1  800   1955   $260,000 152


Condo


MLS #    Status  Type     Address City Area         Zip             Bd B   SqFt Yr  Blt       Price     DOM

1 F1828931 A  CONDO  20235 Keswick St 103 CP 91306   2  2  1,021    1982   $170,000    26

Monday, January 04, 2010

City of Canoga Park Available Bank Owned Homes, Condos and Townhomes as of 01/04/2010

Residential


MLS            Type            Address                              City  Zip  Bd B SqFt Yr Blt Price     DOM

1 S600032  CONDO A 8601 International Ave 118 CP  91304  2 2 900 1971 $106,000     5

2 F1828863  SFR A 8601 International Ave 258 CP 91304      3 2/1 1 0 1,078 1971 $129,800 12

3 CLW-10418481 CONDO 7605 JORDAN Ave 2 CP S 91304 530A4 / 2 2/ 1,025 1982 $164,900 4

4 F1820688 CONDO A 20127 Leadwell St 2 CP 91306  2 3 1,337 1976 $180,900 58

5 CLW-09415433  SFR D 7011 VARIEL Ave CP WS 91303  2 1/ 884 1953 $234,900 27

6 F1819709 SFR D 21025 Saticoy St CP WS 91304 1 4 3/2 1 0 1,644 1953 $265,000 118 *

7 F1828405 SFR D 22149 Leadwell St CP WS 91303 2 1138 1937 $299,900 21

8 F1827566 Q SFR D 22026 Wyandotte St CP WS 91303  4 21,636 1952 $314,000 30 *

9 F1824777  SFR D 8801 Topanga Canyon Blvd CP WS  4 3 2,106 1973 $444,900 65 *

Thursday, December 31, 2009

Have a Prosperous 2010 You and All Your Family



                                                                                                        

Wednesday, December 30, 2009

Alberto Pacheco is Still Blogging From Mazatlan Mexico

THIS IS MAZATLAN'S LIGHT HOUSE


      

City of Brentwood California Home Sales Statistics For November 2009

New Listings: 0

Average Listing Price: $ 0

Listings Under Contract: 0

Average Listing Price: $ 0

Sold Listigs: 1

Average Listing Price: $ 322,000

% Sales Price Versus Listing Price: 102.22 %

% Sales Price Versus Old Listing Price: 92.03 %

Average Days on The Market: 177


http://www.sfvalleyhotproperties.com/ Brentwood Real Estate, Brentwood Foreclosures, Brentwood Probates, Brentwood Homes For Sale, Breentwood Short Sales, Maps, Calculators

City of Brentwood California Home Sales Statistics For October 2009

New Listings: 5

Average Listing Price: $ 1,559,980

Listings Under Contract: 2

Average Listing Price: $ 879,950

Sold Listigs: 1

Average Listing Price: $ 526,000

% Sales Price Versus Listing Price: 96.51 %

% Sales Price Versus Old Listing Price: 89.30 %

Average Days on The Market:  56


http://www.sfvalleyhotproperties.com/ Brentwood Real Estate, Brentwood Foreclosures, Brentwood Probates, Brentwood Homes For Sale, Breentwood Short Sales, Maps, Calculators

City of Brentwood California Home Sales Statistics For September 2009

New Listings: 2

Average Listing Price: $ 1,647,463

Listings Under Contract: 0

Average Listing Price: $ 0

Sold Listigs: 3

Average Listing Price: $ 1,683,333

% Sales Price Versus Listing Price: 90.50 %

% Sales Price Versus Old Listing Price: 83.87 %

Average Days on The Market: 43

http://www.sfvalleyhotproperties.com/ Brentwood Real Estate, Brentwood Foreclosures, Brentwood Probates, Brentwood Homes For Sale, Breentwood Short Sales, Maps, Calculators


City of Brentwood California Home Sales Statistics For August 2009

New Listings: 6

Average Listing Price: $ 698,825

Listings Under Contract: 2

Average Listing Price: $ 2,489,925

Sold Listigs: 1

Average Listing Price: $ 1,100,000

% Sales Price Versus Listing Price: 84.68 %

% Sales Price Versus Old Listing Price: 84.68 %

Average Days on The Market: 28

http://www.sfvalleyhotproperties.com/  Brentwood Real Estate, Brentwood Foreclosures, Brentwood Probates, Brentwood Homes For Sale, BreentwoodArleta Short Sales, Maps, Calculators, Alberto Pacheco

I am still having fun in Mazatlan - 12-30-09

STONE ISLAND SEA LIONS AT MAZATLAN BAY



Saturday, December 26, 2009

I am Here in Mazatlan Blogging on 12-26-09 Cliff Diver Picture

Here is one of the Mazatlan Faces, hope you liked and will eventually come and enjoy this city, is fun, safe and relaxing as well as exiting. You have, beaches, shopping, golf, skiing, so on and so forth..



Tuesday, December 22, 2009

My Best Wishes on This Christmas To You All



City of Arleta California Home Sales Statistics For November 2009

New Listings: 34

Average Listing Price: $ 229.900

Listings Under Contract: 24

Average Listing Price: $ 251,272

Sold Listigs: 33

Average Listing Price: $ 250,184

% Sales Price Versus Listing Price: 102.48 %

% Sales Price Versus Old Listing Price: 99.54 %

Average Days on The Market: 56

http://www.sfvalleyhotproperties.com/ Arleta Real Estate, Arleta Foreclosures, Arlete Probates, Arleta Homes For Sale, Arleta Short Sales, Maps, Calculators, Alberto Pacheco

City of Arleta California Home Sales Statistics For October 2009

New Listings: 34

Average Listing Price: $ 267,670

Listings Under Contract: 25

Average Listing Price: $ 247,763

Sold Listigs: 25

Average Listing Price: $ 244,516

% Sales Price Versus Listing Price: 102.71 %

% Sales Price Versus Old Listing Price: 93.39 %

Average Days on The Market: 79



http://www.sfvalleyhotproperties.com Arleta Real Estate, Arleta Foreclosures, Arlete Probates, Arleta Homes For Sale, Arleta Short Sales, Maps, Calculators, Alberto Pacheco

City of Arleta California Home Sales Statistics For September 2009

New Listings: 45

Average Listing Price: $ 244,111

Listings Under Contract: 25

Average Listing Price: $ 252,886

Sold Listigs: 43

Average Listing Price: $ 253,769

% Sales Price Versus Listing Price: 105.06 %

% Sales Price Versus Old Listing Price: 98.26 %

Average Days on The Market: 59


http://www.sfvalleyhotproperties.com Arleta Real Estate, Arleta Foreclosures, Arlete Probates, Arleta Homes For Sale, Arleta Short Sales, Maps, Calculators, Alberto Pacheco