Merry Christmas

From our family to yours:


Winter Church

May peace fill our hearts as Chritmas draws near, calming our spirits and making it clear that You are with us today… Amen


Happy Thanksgiving


Thank you for the trust you place in Imperial Mortgage & Real Estate Services!

We really appreciate the opportunity to serve you!

O give thanks to the LORD, for He is good; For His loving kindness is everlasting. 

 1 Chronicles 16:34 .

(530) 885 – 4444

Fed to Increase Interest Rates?

We will soon have a new President… How will the economy respond?

Fed Sends New Signals About a Possible December Rate Increase…

In this recent Wall Street Journal article you can learn about how the Fed is considering an interest rate hike as early as next month


With a new administration coming into Washington DC in January, it’s hard to predict where mortgage rates are headed.

What I do know is that right now I have rates in the 3s and I can lock in a rate for you for 45 days.  If you’ve been considering refinancing or making a purchase, it’s a good time to talk to me right now..

For the times they are a-changin’…Bob Dylan

I have good news for you!!!keith

Since the beginning of the Great Recession in 2008, some of my clients have gone through short sales, foreclosures and even bankruptcies. If you
have experienced any of these difficult situations in the past few years, I have good news for you! The lending environment is changing significantly, so I wanted to share some new loan products with you.
foreclosureFirst of all, the traditional waiting period to get Conventional and FHA loans after these events is as follows:

Conventional – 7 years after a Foreclosure and 4 years after a BK

FHA – 3 years after a Foreclosure and 2 years after a BK

I now have several lenders that will offer you a loan 1 day out of foreclosure and 1 year after a BK! This is NOT a typo!!! Less than 2 years ago, the only other option for borrowers with these events in their past was a “hard money” loan at an interest rate of 8-12% and 4-8 discount points and these loans had a “due in 2 years” clause in almost all cases.

I also have good news for self-employed borrowers who write off expenses to lower their income and taxes, but can also have problems with conventional financing.

Before the crash in 2008 we had “stated income” loans. If the borrowers had good credit, some reserves and a large down payment, they could getshort-sale conventional financing. What a mess that got us all into! Now instead of providing tax returns for a loan, these lenders will accept 24 months of bank statements and average the deposits and use that for income! This enables borrowers who don’t show the necessary income on tax returns to qualify for a home loan when just 2 years ago they would not.

These loans have slightly higher rates and fees, but the end result is you can get back in the real estate market and be a home owner again. If you, or someone you know is in this situation, don’t hesitate to call me to discuss these new loan programs. As always, I am at your service.

Oh yeah, and who would have thought Bob Dylan would be awarded a Nobel Prize in Literature???


KEITH’S KORNER All is well with the Wenger family! Margie and I recently spent a week in Tempe, AZ visiting our daughters Jessica and Charla who are attending Arizona State University.

While in AZ we went to a brand new butterfly exhibit that was unbelievable and we visited Botanical Gardens that have every kind of Cactus and plant that grows in the area. We even made time to attend an Octoberfest celebration that gave me a mean hangover.

Brent is headed off to Chico state after the Christmas break to finish his last 2 years as a business major, Elise is engaged to be married in Oct 2017, Bethany is really busy with Sierra college, work and swimming for the Sierra College swim team and Stuart got 4 A’s and 2 B’s at Bear River. He is a sophomore and is playing on the Water Polo Team.

Stay tuned…

Staying Young!!!

Staying Young
The BIG Question: Can we stay young forever?
Dear Friends,

I recently came across a great article on a website that I enjoy called “Next Avenue”.  It got my attention and I really made me want to go out and buy a book about The Big Question: Can we stay young forever?

I hope you enjoy the article as much as I did….

And scroll down to the bottom to see how I’m staying young!

Spring Chicken
The smart, funny book, ‘Spring Chicken’, explores the science of aging.

By Emily Gurnon  Health & Caregiving Editor

If you didn’t already know Bill Gifford’s work, you might think that his new book on aging would be a downer — or, based on its title, some comedian’s lightweight take on growing old. You would be wrong on both counts.

Not that Spring Chicken: Stay Young Forever (or Die Trying) isn’t funny. It is so entertaining you won’t even realize you are learning some heady stuff.

Gifford, a contributing editor of Outside magazine who has also written for Men’s Journal, Slate and Wired, takes readers on a fascinating trip through scientific and cultural history, revealing what medicine has been able to figure out about why and how we age.

Consider this example of his style: Gifford explains how senescent, or aging, cells secrete molecules that cause dangerous inflammation:

“Senescent cells make very bad neighbors, less like those nice, McLatte-sipping retired folk and more like a Clint Eastwood character gone bad, sitting on his porch with a Budweiser, a lit cigarette, and a shotgun.”

Next Avenue recently chatted with Gifford about the book.
Next Avenue: Why did you want to write on the topic of aging?

Gifford: I think everybody’s noticed that people seem to age at different rates. You go to a high school reunion and some people look like they’re 10 years older and some people look like they just got home from Beach Week. And it’s a seemingly random and variable process. Then I was motivated by turning 40. The realization of your own mortality hits about then. You have a little less energy — a lot less, actually. Fifteen pounds appeared out of nowhere for me. My cholesterol was bad, and doctors get concerned about those kinds of things. Aging was something I got obsessed with.

Many of us feel the passage of time through our kids. For you, it was your dogs.

Yes. My two coonhounds, Theo and Lizzy, were twins — littermates. I watched them in the space of a dozen years go from puppies to elderly dogs. Lizzy seemed stiffer, older, grayer. Theo still went running with me when he was nearly 12. But it turned out he was hiding his aging; he died suddenly. Watching them grow old really sealed the deal for me: I had to write this book.
What surprised you in your research for the book?

One thing that surprised me was that there are these pathways built into our biology that can be manipulated to promote longevity. Many of them have to do with diet, and they can be triggered by eating less or by short periods of fasting, even just a few hours, like skipping breakfast or lunch. What this does is it helps shut down key growth and metabolism pathways and put our cells into a more stress-resistant, pro-longevity state. Exercise is another one: Our bodies respond to activity in amazing ways. In fact, they’ve found that exercise actually stops or reverses aging on the level of gene expression; in other words, which genes are switched on and off. When we exercise, our gene expression profile starts to look younger.
Is there something about our culture that makes us so fear aging?

No, it’s all of humanity. Chinese emperors took poison — mercury, arsenic — in the hope that it would help them live longer. So people have done crazy things throughout history. It’s been an obsession forever, but I think our country and the baby boom generation has taken it to a whole new level, with things like testosterone and human growth hormone, or HGH. Scientists I talked to said that taking HGH is just about the worst thing you can do. It actually accelerates those aging pathways. Suzanne Somers , whom I talk about in the book, does a lot of things right: She advocates healthy eating, exercise, and she leads a pretty chill life, spending time in her garden, etc. But the hormones, which she takes, are the unproven (aspect). She herself said, “I am my own experiment.” I don’t want to be my own experiment.
What did you think of Dr. Ezekiel Emanuel’s Atlantic article, “Why I Hope to Die at 75”?

A lot of people associate living to older age with sickness and suffering and disability. That’s very much a result of the way we approach the process of aging: We treat it disease by disease. Take heart disease. We cut mortality rates in half, but people’s lifespans did not extend as much as we thought they would, because as you get older, you just run into the next disease, like diabetes. Scientists say that if you could somehow modify the aging process itself — that is, how you get to the longer, healthier life, rather than more years of being sick, that’s actually more important than how many candles are on your birthday cake. Are you able to blow them out? Studies on the basic biology of aging are funded to a much lesser degree than studies on diseases. I feel like we really need to step it up in terms of research.
What encouraged you in your research?

I met some amazing people in researching the book. There’s a 108-year-old investment banker who is still going in to work. There are 70- and 80-year-old guys pole vaulting. I would kill myself if I tried to pole vault. They were the maximum ideal of this long “healthspan,” as opposed to “lifespan.” But it’s also true that in late middle-age there is this sort of tipping point you reach. Body-mass index or BMI goes up, blood pressure goes up, cholesterol. The state of your health in middle age basically determines your aging trajectory. But a lot of these (measures) are modifiable. A lot of these older athletes I mention said they essentially had done nothing until they were 45 or 50 years old. Certainly there are things you can do to modify your health and life.

Keith’s Korner:

My secret to staying young is having a loving wife and young children…

Our daughter Jessica graduated summa cum laude from Sac State after majoring in Audiology and is working on her doctorate at Arizona State.  She is currently in Malawi, South Africa on an internship where she is testing for hearing problems and fitting many people with hearing aids and giving them the chance to hear again.  The people she is working with are below poor and one of her patients said he had not been able to hear since he was in elementary school and he is now 20!  He cried tears of joy when he was able to hear again!!

Our daughter Elise has graduated from Chico State (my alma mater) in Kinesiology and is planning on becoming a respiratory therapist after a few more years of school at Butte College in the Chico area.

Our daughter Charla has also moved to Tempe, Az. to live with her sister and attend nursing school. She is also working as a RNA helping the elderly in care homes.

Our son Brent now works for UPS as a manager and is almost done with Sierra College and plans to head to Chico State to get his BS in Business just like his old man!!

Our youngest daughter Bethany graduated from Bear River High and is planning on going to Sierra College and live here at home for a few more years and then off to……… that’s right Chico!!

Our youngest son Stuart just finished his freshman year at Bear River and is a wrestler, football player and swimmer and is an outstanding scholar athlete.

I am so very blessed to have such a great wife, Margie and such wonderful kids!

All my best,


 Imperial Mortgage & Real Estate Services


unexpected bonus
Dear Friends,
As you probably know, over the last year or two I have been putting a lot of time and focus into helping seniors with their mortgage and real estate needs. It has been very rewarding for me personally and for my business.

When I started this effort, I knew that if I did an outstanding job of helping seniors with their downsizing, or “rightsizing” as I call it, they would refer me to their senior friends. As a small and independent business, referrals are certainly the key to our ongoing success.

unexpected bonus The unexpected bonus came as the result of my senior clients referring me to their children and even in a couple of cases, their grandchildren. So, I’m right back to helping first time buyers and families that are upsizing, which I guess is also “rightsizing” for their situation. Of course many of these folks need me to assist with their loans as well as their buying and selling, so it has really worked out great.


Convincing Mom & Dad

Moving Elderty Parents

It’s one of the most difficult decisions of your life…

For many adult children who were thinking of moving elderly parents, the three words “assisted living facility” seems foreign, cold and impossible to utter. This is probably one of the hardest decisions a child will ever have to make. Many seniors unrealistically believe they can take care of themselves for the rest of their lives. And that’s where their children or other family members can be instrumental in identifying the problem and instigating change.


Before you get a disturbing call from a parent about a sudden illness or injury, you must have a plan and you must take action! Take the opportunity to share your concerns with your parent(s). Often when the subject comes to moving them away from their home, you will be met with sharp resistance. “No,” is the normal response. “I’m not moving!”

Those can be the most difficult words a concerned child may hear their elderly parent say. So how does a worried family member convince a recalcitrant parent that moving to a long-term care facility is in their best interest?

Don’t be among the Ninety-five percent of families who wait for the crisis to occur. The result? Confused elders, disorganized yet well-meaning children, and a family in chaos.


Caregiving is a family affair, so gather your brothers, sisters, children and uncles and aunts together to address an ailing loved ones needs. Have a meeting and discuss the problem, without the parent(s) present to identify the problem and the potential solutions. When it comes to approaching a parent about making a move, it’s vital that all siblings and family members are on the same page. It’s crucial that all the adult siblings are giving their parent(s) the same general messages. It often only takes one disgruntled child who urges a parent to stay in his or her home to make placement nearly impossible.


No matter how smoothly the process goes, children often retain guilt about moving elderly parents to a long-term care facility. Regardless of whether you promised to never put your parent(s) in a nursing home, the decision about placement must be based on what’s best for them at a given time.

Often, putting a parent in a nursing home is the most loving act that a child can do because it improves the quality of the parent’s life from medical and social perspectives. Nursing homes vary in quality but are not snake pits. Parents often thrive in them, to their great surprise.

Caring for Your Aging Parents

Caring for an aging parent is a responsibility few people ever expect or want to envision.

It’s human nature to avoid thinking about our parents falling ill or growing weak. We don’t feel equipped to handle the welfare of those who raised us. Confusion, sadness, helplessness can jar us during this unsettling transition.

As baby boomers live longer, healthier lives, any assistance that is required typically becomes the children’s responsibility. For many families, the discussion about who will take care of Mom and Dad comes as the result of a crisis. Because of this, most families find themselves unprepared to handle their parents’ increased dependency.

Still, with the increase in number of older adults comes the increase of adult children caring for their parents. More than 20 million in the U.S. provide care for an aging parent or in-law. What’s more, families rather than institutions provide 80 percent of long-term care.

So how can adult children deal with the inevitable challenges that accompany this life transition?

Begin by openly discussing each person’s role and responsibilities within the family structure. While care-giving can be extremely stressful, sharing duties is a guaranteed way to ease the tension. Whatever distance family members live from one another, devise a care plan so everyone can be involved.

Addressing the sensitive topic of finances is also a must, as is compiling important personal and financial documents. Finally, take the time to evaluate how to build unity among siblings-in spite of the high possibility of tension.

With early planning, solid support and communication, caring for an aging parent can bring a renewed sense of love, compassion and tenderness into any family.

Warm Regards,

Tough Conversations with Aging Parents

It’s IMPORTANT and Easier than you think…

Tough Conversations with Aging Parents


A visit to home offers a great opportunity for families to have important – and sometimes tough – conversations with their aging loved ones. Getting started with these conversations is easier than you may think. And taking the time to have the conversation will help lead to better outcomes. Here are five ways to successfully navigate these conversations.

1. TIMING IS EVERYTHING. Pick a time when there are no distractions or other obligations, so you can focus entirely on the conversation and give it your undivided attention. For example, the middle of Thanksgiving dinner is likely not the right occasion for this discussion. A quiet moment during a holiday weekend when there is a lull in activity can present a wonderful opportunity to connect with your loved one on these issues.

2. SHARE YOUR OBSERVATIONS, CONCERNS AND FEELINGS. Maybe you have noticed that Mom or Dad seems to be struggling to keep up the house, or there is a lack of food. It can be hard to address these topics, but your elderly loved ones want to know that you care. If you notice a problem, you often need to stay persistent, empathetic and strong as you work with your loved ones to find the right solutions.

3. EMPHASIZE YOUR ROLE AS AN ADVOCATE. Explicitly state that you want to fulfill their wishes and they can depend on you, and that you want to maintain their way of life and need their help to make the right decisions.

4. LISTEN TO THEIR CONCERNS AND WISHES. Make a list of the apprehensions your loved one has to validate their concerns and help guide you in finding the most appropriate solution to problems based on their preferences. Also, gaining an understanding of the types of lifestyle the wish to maintain can help with planning and lead to positive outcomes.

5. END THE CONVERSATION WITH A PLAN. This will ensure there are shared expectations around next steps. You also want to make sure you have an agreed-upon plan if your loved one can no longer make decisions or in the event in an emergency. Don’t miss the opportunity to create a plan of action. Having these conversations can be a challenge, but your reward is agreement on the next steps to be taken.

My advice is to do it now and don’t put it off until a health or financial crisis hits!

Best Wishes,