If you need assistance, please call 805-773-7711

Home Loan | The Keenan Carter Group, Keller Williams Realty CC Blog

Monday, December 14, 2020   /   by Monique 'Moey' Nichols

5 Steps To Follow When Applying For Forbearance

If you’re currently feeling the stress of affording your mortgage payment, or if you know someone who is, there’s still time to get help. For homeowners experiencing financial hardship this year, the CARES Act provides mortgage payment deferral options, creating much-needed relief in these challenging times.
It’s important, however, to understand how forbearance works. It’s not automatic. You need to take action now and apply for the program before these options expire.
A study by the Urban Institute determined:
“Approximately 400,000 homeowners who became delinquent after the pandemic began have forgone forbearance and become delinquent. These borrowers may not know they are eligible for forbearance.”
Thankfully, there’s still time to apply for forbearance, even if you’re just learning about it now. Doing so may be the game-changer you need to stay in your home, just when you need it mos; ...

Read More


  real estate, keenan carter group, keller williams, central coast, real estate during covid 19, mortgage, housing economy, economy during covid-19, forebearance, foreclosure, how to file a claim, preforclosure, forbearance, how to file for forbearance, cares act, applying for forbearance, things to know about forbearance, home loan assistance, mortgage assistance, home owner advice, homeowner tips

Friday, December 11, 2020   /   by Monique 'Moey' Nichols

6 Things To Avoid After Applying For A Mortgage

Once you've found the right home and applied for a mortgage loan, there are some KEY things to avoid so you continue to qualify for your loan when it's time to close on your home.
#1. DON'T Deposit Any Cash Into Your Bank Accounts Before Speaking
To Your Banker Or Loan Officer.

While normally we celebrate depositing money into an account, you don't want to put any 'sizable' amount of funds in an account while you're waiting for a mortgage loan.  Unless you can prove the deposit is legit, that additional money can lead to the Underwriter denying your loan.
#2. DO NOT Make Any Large Purchases, Like A New Car
Or Furniture For Your Home!

We know it's tempting to want a new ride to park in your new garage or want to furnish your new pad ... WAIT!!!  This can affect both your credit score and debt to income ratio, which can cause the amount you initially qualified for to be reduced.  Not to mention, racking up additional debt before factoring in a mortgage payment m ...

Read More


  real estate, keenan carter group, keller williams, home buyer, san luis obispo county, home purchase, first time home buyer, mortgage, pre approval, pre qualified, home loan, for home buyers, loan approval, tips for home buyers, don't change jobs, don't switch banks, home loan application, home loan dont's, mortgage avdvice, what to avoid when applying for a home loan, what to avoid when applying for a mortgage

Tuesday, October 13, 2020   /   by Monique 'Moey' Nichols

Do You Have Enough Money Saved for a Down Payment?

One of the biggest misconceptions for first-time homebuyers is how much you’ll need to save for a down payment. Contrary to popular belief, you don’t always have to put 20% down to buy a house. Here’s how it breaks down.
A recent survey by Point2Homes mentions that 74% of millennials (ages 25-40) say they’re interested in purchasing a home over the next 12 months. The study notes, “88% say they have significantly less savings than the average national down payment amount, which is $62,600.”
Thankfully, $62,600 is not the amount every buyer needs for a down payment in the United States. There are many different options available, especially for first-time homebuyers (millennial or not). That amount can also be significantly less, depending on the purchase price of the house.
According to the National Association of Realtors (NAR), “The median existing-home price for all housing types in August was&nbs. ...

Read More


  real estate, keenan carter group, keller williams, central coast, home buyer, san luis obispo county, home purchase, first time home buyer, buyer's agent, down payment, home loan, interest rates, minimum down payment, down payment percentage

Friday, April 10, 2020   /   by Monique 'Moey' Nichols

Virtual Open House in Arborwalk Home

Darling, white picket fence, gated community of Arborwalk welcomes you home! This 2 story home has 3 bedrooms & 2.5 bathrooms, all bedrooms located on the second story. The downstairs living area has an open concept floorplan. This home includes a laundry room, attached 2 car garage and patio yard with a built in gas outdoor grill.

Read More


  real estate, keenan carter group, keller williams, central coast, home buyer, buying, home purchase, new home, home ownership, moving, california, house for sale, california living, covid-19, death of the landlord, home loan, open house, virtual home tour, virtual open house, virtual tour

The Keenan Carter Group
Richard Keenan And Narlene Carter Keenan
350 James Way, Ste 130
Pismo Beach, CA 93449
805-773-7711
Keller Williams Realty Central Coast DRE# 02005015
The Keenan Carter Group DRE# 00860187
Each Office is Independently Owned and Operated.

Based on information from California Regional Multiple Listing Service, Inc. as of October 20, 2021. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
Information is provided exclusively for consumers’ personal use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable, but is not guaranteed accurate by the MLS.
This site powered by CINC: www.cincpro.com