Love My Work!

I love helping people with their loans and Real Estate needs!

Love My Work

On this Labor Day I salute all of the hard work done by so many people in my industry that allow me to do what I do!

And of course a special thanks to all of my clients who have trusted me over the years to assist them and their families.


Imperial Mortgage has been helping families with downsizing, buying or selling real estate, mortgages conventional and reverse, in the greater Placer and Sacramento counties.

One Move – Not Two

Want to sell your home and move, but don’t want to move twice?

I get calls from clients very frequently about wanting to move and the options for that situation. I always hear we don’t want to move twice so what can we do?

Here are the options:

  1. Start looking at homes and when you find one you like make an offer contingent on listing and selling your home. NOT a good option in this market. If you were the seller, would you want to wait for the buyers to sell their house in order to buy yours? Would you be flexible on the price if you were the seller? Wouldn’t you rather be looking at buyers that have their money in the bank and are ready and able buyers? Of course you would and so would ANY seller in this “seller’s market”.
  2. List and get your home in escrow and then make a contingent offer on the closing of your home. This is MUCH better than option #1. In this situation, you will have more bargaining power with the seller for negotiating price and terms of your offer. This option still is not as desirable to the seller, as you can’t buy until you close your escrow. If a cash buyer or a buyer with available funds to close their loan makes an offer on the same property as you, YOU won’t win in most cases.
  3. Sell your home and rent until you find the perfect home. This is really the best option but most people just don’t want to move twice and I get that, but consider this. If you sell your home first, you are in a much better bargaining position on price and terms because your offer would not be contingent on listing and selling your home. This would require moving twice and is a problem for most people.

Great News! I have been very successful in listing homes for buyers who want to move up or downsize in this market and here is how:

I list your home contingent on you finding suitable housing. When an offer comes along, I let the buyer’s agent know we may need a longer escrow or even possible a rent back after the closing of your home from the new buyers. This gives you much more time to find suitable housing for you and your family. What about being able to negotiate with the sellers of the home you want to buy contingent on the sale of your home? Here is the secret; I get the buyers of your home to get all the inspections, appraisals etc. done in the first 10 days of the escrow being opened. I also insist they remove ALL contingencies for the loan, appraisal, and inspections asap. Also, since I am a Mortgage Broker, I insist on prequalifying ANY buyer that makes an offer on your home to make sure they really do qualify for the loan in question. Here is why this matters: When I go to the sellers agent on the home you want to buy, I explain that I have a very solid deal on your home, that I have prequalified the buyers and I am confident they can get the loan and that all your buyers contingencies have been removed on your sale of your home and you are ready to purchase the home in question. You are now a real buyer and not just another contingent offer! It works my friends. Call me about your situation today.

Warmest Regards,

You Know You’re Getting Old When…

Two Old Men

  • ✔ Everything hurts and what doesn’t hurt, doesn’t work.
  • ✔ In a hostage situation, you are likely to be released first.
  • ✔ It takes twice as long to look half as good.
  • ✔ People call at 9 p.m. and ask, “Did I wake you?”
  • ✔ The clothes you’ve put away until they come back in style… come back in style.
  • ✔ There’s nothing left to learn the hard way.
  • ✔ Getting lucky means you find your car in the parking lot.
  • ✔ You are cautioned to slow down by your doctor instead of the police.
  • ✔ You can’t remember the last time you laid on the floor to watch television.
  • ✔ You conclude that your worst enemy is gravity.
  • ✔ You finally got your head together, now your body is falling apart.
  • ✔ You have more patience; but actually, it’s just that you don’t care any more.
  • ✔ You have too much room in the house and not enough in the medicine cabinet.
  • ✔ You just can’t stand people who are intolerant.
  • ✔ You know all the answers, but nobody asks you the questions.
  • ✔ You sing along with the elevator music.
  • ✔ You sit in a rocking chair and can’t get it going.
  • ✔ You wonder how you could be over the hill when you don’t even remember being on top of it.
  • ✔ Your idea of a night out is sitting on the patio.
  • ✔ Your idea of weight lifting is standing up.
  • ✔ Your memory is shorter and your complaining is longer.
  • ✔ Your mind makes contracts your body can’t keep.
  • ✔ Your secrets are safe with your friends because they can’t remember them either.
  • ✔ Your try to straighten out the wrinkles in your socks and discover you aren’t wearing any.
  • ✔ You’re on vacation and your ENERGY runs out before your money does.
  • ✔ You want clothes for Christmas.
  • ✔ You are proud of your lawn mower.
  • ✔ Your supply of brain cells is finally down to a manageable size.



Market Update

The real estate market in our area is a very strong sellers’ market because of lack of inventory and lots of buyers competing for the few properties that are available. If you price your property correctly, you will get multiple offers and a slew of showings and interest. What a Great time to sell!

Lots of new loan products out there for folks who have gone thru a foreclosure and several new programs for first time buyers with only 3% down. Call me for details. Do you know someone who needs to buy or sell in this market? That’s why I’m here so give me a call…


Keith’s Korner

Margie and I just got back from a week in Cancun, Mexico where we celebrated  our 30th anniversary! We had a great time and we are very proud of our accomplishment of raising 6 kids in this world and keeping our marriage in tact!  We are blessed beyond belief!

Kids are all doing well. Stuart gets his driver’s license in a week and promises to be the first Wenger child not to wreck his car! We are hopeful. Jessica and Charla are doing great in Arizona at college and Brent is in Chico and will start Chico State in the fall. Elise will start her Respiratory Therapist training in the fall as well.  Bethany is still Chilin here in Auburn and going to Sierra College and will start her 2nd year in the fall. Hope all is well with you and yours!

How’s this for Nostalgia

Remember When???



My Valentine

My Valentine!

I met my beautiful wife Margie at the Madison Bear Garden in Chico, Ca. in my last semester at Chico State where I studied Marketing. She wasn’t too crazy about me at first because I was a little cocky, loud, etc. but I guess you could say I grew on her!

She is the oldest of 12 children and it took a while, but finally I convinced her to introduce me to her family in Auburn, Ca.  They were not impressed with me at all!  I guess I grew on them too, as we were married one year later.

Two years after that we started our family and it just never stopped!! Margie has blessed me with 6 wonderful kids, 4 girls and 2 boys.

I’m not going to kid myself or any one else by saying that it has always been a smooth ride, but it’s a ride I have come to cherish and my love for her and my family grows every day.

Take some time this Valentine’s Day and do something special for the person you care about.  Cherish your time together as nothing lasts forever!

Happy Valentine’s Day, Keith

Market Update…

Interest Rates have gone up and may be going up again, but they are still at much lower rates than we have seen in years past…

Getting Loans Approved

The lending institiutions have loosened up their requirements lately. They are not anywhere near as tight as they were a year or two ago…







Property Values Are Rising
Real Estate is still a great investment in Northern California and especially here in the Sierra Foothill Region…





Inventory Is Low Right Now So It’s Currently A Sellers Market…

Call Me Today To Hear About My Zero Point Loans…

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