Patty McMillen

Your Home-A Bright Idea

Patty McMillen — Sat, 04 Feb 2012 15:24:52 +0000

Looking for a cost-effective way to increase security in your home and save energy at the same time? You could put some of the lamps in your house on a timer-or you could consider wireless lighting. Wireless lighting enables you to replace switches in your home with receivers that respond to radio frequency signals from remote controls. It might sound complicated, but it’s fairly simple: Disconnect the manual switches and replace them with dimmers. Freestanding lamps that must be plugged into an outlet can be plugged into wireless receptors connected to the outlet. You can even program one remote to operate multiple lights throughout your house, no matter the size.

Image via Wikipedia

Aside from the ability to turn off a light downstairs when you’re already upstairs or turn on a light from anywhere in our home if you hear noise, the main benefit of installing a wireless lighting system is reducing electricity and energy consumption. Wireless systems can range in price from as little as $30 to hundreds of dollars to equip your entire home.

831 Riverside Drive, Ukiah CA 95482

Patty McMillen — Fri, 03 Feb 2012 18:24:43 +0000

Remodeled home with detached granny unit, beautiful setting on one acre with views from pool, private gate with rock wall, fountain, living room and family room with fireplace, remodeled kitchen with upgraded appliances, granite counters, large windows from all areas, main house has walkway to granny unit, large deck for entertaining.

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Notary Signing Agent vs. Closing Agent

Patty McMillen — Thu, 02 Feb 2012 15:22:26 +0000

Many times we have been forced to use a notary signing agent or a closing agent…they are not the same. A Notary Signing Agent is a ministerial officer that acts as a impartial, third party witness to document signings and may not advise the borrower about the loan terms or answer questions about the loan. The Notary Signing Agent is responsible for positively identifying the signer, making a commonsense judgment that the borrower is aware of what is being signed and signing willingly and following all necessary requirements for notarizing the borrower’s signature. The Notary Signing Agent may not answer questions about the loan terms or advise the signer regarding the loan.

Beware of Malware

Patty McMillen — Fri, 27 Jan 2012 23:53:51 +0000

Mobile devices are becoming a favorite target of scammers. Malicious software that pretends to be games or other mobile apps could end up stealing your data or rack up bogus pay-er-text charges. Android apps are a particular risk

Image via CrunchBase

, since they undergo a less stringent approval process, but even Apple apps aren’t immune.

Advice: Pay $10 to $30 a year for a mobile security program like Lookout Mobile or Kaspersky Mobile Security and don’t download apps with carefully researching them first. ”Go to the vendor’s website and follow the download link from there. Read reviews for the app that are published outside the apps’ page in the market. It may take a bit more time but it’s worth it!

Home Path Loans Still Available

Patty McMillen — Wed, 25 Jan 2012 23:53:43 +0000

Special Financing

3% down Payment
Gift Funds OK
No Mortgage Insurance Required
Fixed Rate, Adjustable or Interest Only
Less Than Perfect Credit OK
No Lender – Requested Appraisals
Seller Contribution for Closing Cost
Owner Occupied, 2nd Home or Investment Property
Condo

Homepath allows a borrower to purchase a Fannie Mae-owned property with a low down payment, flexible mortgage terms and no appraisal and no mortgage insurance.

Tug Of War Over Mortgage Rates

Patty McMillen — Fri, 20 Jan 2012 22:05:10 +0000

Image by Getty Images via @daylife

The Federal Reserve may again exercise it’s power to drive down mortgage rates in order to stimulate the economy, but any savings for homebuyers may be at least partitally offset by a new law that raises Fannie Mae and Freddit Mac’s guarantee fees and diverts that money to the Treasury.

4930 Burke Hill Drive $239,900

Patty McMillen — Thu, 19 Jan 2012 18:19:42 +0000

Great opportunity to own a home with views. 3 bedrooms and 2 baths.

Your Piece of Paradise

Patty McMillen — Wed, 11 Jan 2012 18:42:30 +0000

Beautifully remodeled 3 bedroom, 2 bath home with a walkway to a separate detached granny unit. Nestled safely on one acre behind a private gate with rock wall. Lovely living room, family room and remodeled kitchen. Entertain on the large deck around the pool and relax to the views of the beautiful Russian River. Or sit next to the fountain and be captivated by the nature that surrounds you. This piece of paradise is priced to sell!

Call for more information.

$489,000.00

The VA Home Loan

Patty McMillen — Fri, 16 Dec 2011 20:08:49 +0000

WOW! Recently Price Reduced to $315,000!

Patty McMillen — Thu, 15 Dec 2011 20:20:08 +0000

JUST PRICE REDUCED TO $315,000!!

This is a well built vintage home with 3 bedrooms and two bathrooms located on the Westside of Ukiah. Its 2500 sq. ft. and has all been remodeled. It includes a formal living room and dining room with there own fireplaces. The kitchen features a large island with corian and granite counters, stainless steel appliances and newer cabinets. There is a large master bedroom, and courtyard for entertaining.