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

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…