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Derren Peters

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Recent Submissions

Buying a Fixer Upper Buying a Fixer Upper

By Derren Peters

Because of their price, fixer uppers will catch the eye of So Cal buyers looking for an inexpensive property. But put the price tag aside, and consider your family and financial situation first.

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What is Private Mortgage Insurance What is Private Mortgage Insurance

By Derren Peters

Most homeowners are paying for Private Mortgage Insurance (PMI) on their home mortgage. More than just another fee in your monthly payments, PMI is a crucial policy.

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Rental Scams Rental Scams

By Derren Peters

While looking for a place to rent, there are some clear signs to keep in mind that might indicate an offer is actually a scam. Keep in mind the following red flags while looking for a place to call home.

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Avoid Overpaying for Your Home Avoid Overpaying for Your Home

By Derren Peters

With few exceptions, every real estate transaction features a seller who wants to make as much money as possible, and a buyer equally motivated to save just as much money. In this way, real estate is no different than any other type of business. To avoid being one of the unfortunate souls to overpay for a home you could have acquired for less (perhaps much less), keep these tips in mind during each step of your adventures in the real estate market.

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Solving Credit Card Debt with your Home Equity Solving Credit Card Debt with your Home Equity

By Derren Peters

Feeling overwhelmed by debt is a stressful feeling, one that is, unfortunately, all too familiar for many Connecticut homeowners. Credit card debt is the most common culprit for many consumer debt woes.

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Your Home Insurance Deductible Affects Your Premiums Your Home Insurance Deductible Affects Your Premiums

By Derren Peters

Your home insurance premium is directly affected by the deductible you choose. When determining your deductible, it's best to figure out what is the most you feel comfortable paying in the event of a loss. Making your deductible higher than that could place you in a financial burden should you file a claim. If you make it much lower, you may end up paying more for home insurance each month than you need to.

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What Not to Do Before Buying a Home What Not to Do Before Buying a Home

By Derren Peters

Congratulations, you have decided to buy a house. Remember, though, that a house needs financing, and getting it is becoming harder and hard. Here is a list of things to avoid doing in order to get approved from a bank so you can buy a home

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What's Included in an Appraisal Report What's Included in an Appraisal Report

By Derren Peters

An appraisal is a survey of a home performed by a licensed, independent professional to determine the home's market value. But what's included in the appraisal report?

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Reasons to Refinance Your Mortgage Reasons to Refinance Your Mortgage

By Derren Peters

Refinancing offers several different ways to bring down your payments and save you money. While weighing each option, keep the following in mind

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Pros and Cons of a Home Equity Loan Pros and Cons of a Home Equity Loan

By Derren Peters

Owning a home has plenty of benefits, from tax breaks to personal pride. One of the financial advantages for Texas homeowners is the ability to draw money from the equity built up in their property.

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Sellers Need a Real Estate Lawyer Sellers Need a Real Estate Lawyer

By Derren Peters

Selling your home puts you back in the world of Texas real property law, a unique and often tricky legal realm that involves practices and problems not seen in other transactions. A lawyer can help you avoid some of the common problems with a sale, and also determine if any resulting agreement has been properly executed.

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Picking the Right Real Estate Lawyer Picking the Right Real Estate Lawyer

By Derren Peters

Finding the right real estate lawyer requires a little bit of homework, but the time put in is worth it.

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How Home Inspectors Become Licensed How Home Inspectors Become Licensed

By Derren Peters

The home inspector will play an important role if you're acquiring a home. A home represents a significant investment, perhaps the biggest of...

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How an Appraisal Report is Compiled How an Appraisal Report is Compiled

By Derren Peters

Each appraisal report contains a variety of figures, property details and sales comparisons. But how is the appraisal report compiled?

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Understanding Home Appraisals Understanding Home Appraisals

By Derren Peters

Appraisals are vital in the Texas real estate market, relevant to buyers, sellers, and lenders. Learn more about the appraisal process and what it means to you here.

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Selling Your Home Without an Agent Selling Your Home Without an Agent

By Derren Peters

Selling your home on your own comes with several responsibilities. Understand the duties and challenges of selling your home without an agent.

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Why Use a Real Estate Lawyer? Why Use a Real Estate Lawyer?

By Derren Peters

For many, the idea of a simple, routine, hitch-free home purchase exists in the same cannon as the Easter bunny and Santa - fairy tales. Breathe easy - it is possible to survive the process without slipping on a proverbial banana peel, provided you have the right team of professionals on your side.

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What If The Appraisal Comes Back Low? What If The Appraisal Comes Back Low?

By Derren Peters

You negotiated the price, drew up all the contracts, and bought champagne for the closing. Then the appraisal came back lower than the sale price. Now what?

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Two Strategies for Debt Reduction Two Strategies for Debt Reduction

By Derren Peters

Whether you're planning to start a family, buy a house, or make any other large investment in the near future, yet have a significant amount of debt, you'll need to take a look at strategies for debt deduction. Here are two of the most popular strategies for debt reduction that you can do on your own.

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Avoiding Moving Scams Avoiding Moving Scams

By Derren Peters

Too many horror stories have been told about moving companies doubling, tripling, or otherwise increasing their rates to exorbitant prices - only after loading the owner's belongings onto the truck.

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Moving Insurance Options Moving Insurance Options

By Derren Peters

Moving is stressful enough. Protect your valuables during the transition to your new place by getting moving insurance.

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Choosing the Right Painter Choosing the Right Painter

By Derren Peters

There are a few issues you should consider prior to hiring a painting contractor for your home. Learn more here.

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The Cost of Moving The Cost of Moving

By Derren Peters

Whether you're heading to a new place in a new state, or staying within Massachusetts, moving brings a lot of excitement and change. But it's important to develop a moving budget to save money and avoid unnecessary expenses.

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Derren Peters is a Staff Writer at Southern California Homes.