Stockton CA Weather

When you look at a roof top and see frost you might think it is chilly inside but on the contrary, it's just the opposite!

Stockton CA weather can't make up it's mind, neither can most of San Joaquin County. We're not sure if we should turn on the A/C or the HEATER. At any rate, this time of the year is great for determining whether or not your attic is sufficiently insulated. As heat rises in the home, it will penetrate up into the attic and out the roof, melting any ice accumulation. If the attic is insulated properly, the heat will have a difficult time breaking through the barrier of insulation in the attic and remain in the home longer. This reduces your energy bill significantly.

A keener eye will show you the cold spots on a roof as well that help indicate a lack of insulation or maybe even a spotty (or shoddy) installation job.

When Stockton CA weather turns to rain, it's also a great time to shine a light up into your attic and look for leaks. A helpful tip when looking for water leaks is to fan your flashlight from side to side and look for a reflection. If there is any water, it will reflect off the light and sparkle.

Remember the Eskimos? Just because it looked cold, their Igloo's were probably warmer than most homes around your own neighborhood. In Stockton CA weather, or (whether) or not your attic is insulated could save you some money in the Summer time, and even in the Winter time.. whichever this happens to be, I don't know.

According to Lender Processing Services (LPS), there were 6,298,000 mortgagesgoing unpaid in the United States as of the end of October.

Although that sounds like an incredibly HIGH number of delinquent mortgages, that total is actually less than the previous months.

At the beginning of this year, there were 6,870,000 delinquent mortgages. Compare that to the beginning of 2010 that showed 8,118,000 and you can clearly see how there’s been a major decline in the total numbers of past due mortgages.

CLICK HERE for more on this story.

Does all this mean that we’re nearing the end of the housing problems? I wouldn’t go so far as to say that, but I feel it’s definitely showing that we’re heading in the right direction. And although it may confirm that we’re heading the right direction, it’s kind of like we’re on a cross-country journey and we still have a long road ahead of us. Hopefully the trek will be less cluttered with road blocks the further we get.

I was a guest speaker with Old Republic Title Company at the NAREB meeting and training session at the PMZ University on Deer Park Drive, in Stockton. It was very interesting to find out about the OR Touch Mobile app.

If you pull up in front of a property and open the app it will pull a property profile up on your phone, wow, isn't that interesting? You can learn all kinds of things about it right there in front of the property as it is a GPS based application.

They way they described it you may be showring a listing and the one across the street didn't show up on your search. Just walk over to the home and open the application, and you get all the info for your property profile. you can enter the data or just use the "use my location" feature to minimize the data input.

It is truly and amazing time we live in.

Of course I was speaking about the FHA 203k loan program, It always amazes me when people in the business think it is a new program. Been around 50 years this year.

Did you know that HUD Pemco is having a bus tour in the Central Valley area on October 8th? All buyers are welcome to join in and it is all FREE. Take advantage of the opportunity to view homes that are not on the market yet. You will also learn the HUD Home purchasing process. All are welcome: Owner Occupied, Investors, non-profits, teachers, public services, etc.

Meeting place: Le Bristo 3121 W. Benjamin Holt, Stockton CA

Get on Board! PEMCO Buyer Educational Bus Tour

Seats are limited and will be on first come, first served basis.

Come join us as we tour our HUD homes and learn about the home buying process.

· HUD sales process

· Credit and budgeting

· First time home buying

· Home inspections

· Appraisals

· …..and more!

There will be presentations by a lender, appraiser, home inspector, PEMCO instructor, licensed real estate agent, and a HUD housing specialistto provide appropriate educational credits to become eligible for down payment assistance programs.

Registration: http://www.pemcobustour.com/ or give us a call at 866-543-0461