Kimberly Rotter

Kimberly Rotter is a mortgage, real estate and personal finance writer, businesswoman and mother in San Diego, CA. She holds a Bachelor’s degree in English, a Master’s degree in Business Administration, and a Graduate Certificate in Distance Education.

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Kimberly Rotter's Latest Posts

Should You Lock In Your Rate?

Filed in Mortgage News by on March 12, 2014 0 Comments
Should You Lock In Your Rate?

Rate locks allow you to guarantee an exact interest level on your mortgage when you close on the home sale within a set period of time. The guarantee is “locked in” no matter what happens to rates on the open market. In this way, a homebuyer is able to budget the monthly mortgage payment with […]

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Five Stages to Buying a Home

Filed in Buying a Home by on March 7, 2014 0 Comments
Five Stages to Buying a Home

The process to buy a home can be broken down into five main stages. Although the five stages to buying a home are all equally important, special attention must be paid to the first stage in order to facilitate smooth sailing through the remaining stages. 1. Get ready to buy Financially preparing for homeownership means […]

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What Makes a Good Real Estate Investment?

What Makes a Good Real Estate Investment?

Making your money work for you is a challenge. The usual certificates of deposit or bank savings account nest eggs long ago lost their luster. Savings earn a pitiable return, commonly just a fraction of a percent. Stock market forays are not for amateurs. The Dow Industrial index and NASDAQ are routinely gut-wrenching rides where […]

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Reasons to Refinance

Filed in Personal Finance by on March 4, 2014 0 Comments
Reasons to Refinance

When mortgage interest rates were at two or three percent, reasons to refinance were crystal clear. The cost savings for qualified borrowers were enormous. When interest rates are not at record-setting lows, the decision whether to refinance becomes a number-crunching exercise, subject to each homeowner’s unique circumstances. Refinancing  can accomplish several goals. Get cash out […]

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Second Home

Filed in Buying a Home by on February 28, 2014 0 Comments
Second Home

Many people own two homes. Often, one is a primary residence and the other is a vacation home where the owners go to recharge their batteries. Second homes can be a house in the country, a cabin in the woods, a condo near the beach, a pied-à-terre in the heart of a city near theaters, […]

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2014 Housing Market: Buy a Home Now or Later?

Filed in Buying a Home by on February 26, 2014 0 Comments
2014 Housing Market: Buy a Home Now or Later?

If you are in the market for a new or upgraded home, buyer’s reserve is unlikely to be your friend. For those in the market for residential real estate, should you buy a home now or later? Given the current housing market and an evolving economy inching its way upward, the question answers itself. Buy […]

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Pre-Holiday Financial To-Do List

Filed in Personal Finance by on December 13, 2013 0 Comments
Pre-Holiday Financial To-Do List

As the federal government chases after deadlines to fix the Affordable Care Act website and Congress breathes fumes of impatience and fury to hurry along the process, most of us have started to create to-do lists of our own. It is year’s end, after all. A pre-holiday financial to-do list is a top priority, or […]

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Surprising Things You Might Not Know About Thanksgiving

Filed in Life & Leisure by on November 25, 2013 0 Comments
Surprising Things You Might Not Know About Thanksgiving

Thanksgiving is in the tradition of harvest festivals with origins going back to pagan times. The New World’s first Thanksgiving celebration probably had nothing whatever to do with stern pilgrims in what was to become Massachusetts, but with brave hearts like John Smith, Christopher Newport and perhaps an Indian maiden named Pocahontas in Jamestown settlement, […]

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The Challenge of Saving for Retirement

Filed in Homeowner Resources, Personal Finance by on November 20, 2013 0 Comments
The Challenge of Saving for Retirement

Up to at least our early 40s, the challenges of child-rearing, keeping up with a mortgage and meeting monthly expenses all take precedence over the challenge of saving for retirement. Just as in our youth, life is still viewed as an endlessly receding future. It is illusory, of course, but there always seems to be […]

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Plants that Thrive in Fall and Winter

Filed in Home & Garden, Homeowner Resources by on November 14, 2013 0 Comments
Plants that Thrive in Fall and Winter

Don’t let the bottom of the year fool you into thinking that nothing much can bloom, or that the season is over and done with. There are plenty of plants that thrive in fall and winter weather. All color does not wither and die, and in most of the lower 48 states the earth is […]

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