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Kathy Smiley

Westlake Village, CA
REALTOR®, ABR, SRS, SRES
805-390-9323
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Blog

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

How Much Is My Home Worth in Thousand Oaks, California

How Much is your home worth in Thousand Oaks, California? If you are planning on selling your home, that is a question you need answered. As your Local Thousand Oaks Real Estate Expert, I can help you to learn the answer to that question. I will person... Read more

Considering Offers

When reading an offer, keep in mind that you are out to get the best price AND the best terms for you. If you focus solely on the price, you may overlook terms that could be favorable to you as a buyer. Some terms that may work in your favor: higher-t... Read more

Economic Slowdown Revisited?

Mainstream Concerns about an Economic Slowdown Revisited Recently, we reported that many believe a recession could happen within the next two years. We explained that 70% of economists and market analysts surveyed last year believe that a recession w... Read more

Mello-Roos

In purchasing your new home, your future monthly payments will be made up of principal, interest, real property taxes, and insurance. But what is the tax for the Community Facilities District, otherwise known as a Mello-Roos District? The Land Title Assoc... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Find Your Dream Home in Thousand Oaks, California

There are so many different kinds of homes out there for families to choose from. Do you want to live in Thousand Oaks? Or are you looking for a second home? How many bedrooms and bathrooms do you need? Do you need a large back yard? RV access? An atta... Read more
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