OC TALK RADIO

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Do You Live in Chronic Disorganization?

A home should be a place for peace. Yet many homeowners cite their home as a source of stress because of disorganization, clutter or even hoarding. And when it comes time to move, good organization can create a sanctuary that enables homeowners to feel rested and recharged – especially important for seniors. 

Few experts in America know this better than Dr. Regina Lark.

In 2008, Dr. Lark founded A Clear Path: Professional Organizing and Productivity. As a Certified Professional Organizer CPO®, Regina is a specialist in boomer and senior move management, residential organizing, and life transitions. With an additional Certification in Chronic Disorganization, she works with clients who are challenged by ADHD, hoarding, procrastination, and time management.

Learn more about Dr. Lark’s work and find additional resources at A Clear Path. 

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Are We Heading toward a Housing Crash? 

We are a nation still scarred by the Great Recession, and nowhere is the memory of losses more evident than in the housing market. So when the pandemic threw our economy into an event-related tailspin, talk turned to whether we would enter another boom-and-bust residential real estate cycle. 

Short answer: We’re not.

And for the longer answer, host Wendy Ross sat down with Rick Sharga to explore the potential for a massive wave of foreclosures and evictions and analyze why this pandemic housing market is different than the recession. 

Rick is one of the country’s most frequently quoted sources on real estate, mortgage and foreclosure trends. He serves as the executive vice president of RealtyTrac, a real estate information company and an online marketplace for foreclosed and defaulted properties in the United States. Every month, RealtyTrac publishes a U.S. Foreclosure Market Report closely watched by economists, real estate industry professionals and other market observers. 

Learn more at realtytrac.com.

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How Can We Give OC Heroes the Home They Deserve? 

We all want to give returning military veterans and their families the homecoming they deserve but transitioning to civilian life can be difficult for many, especially in Orange County. 

That’s why Wendy Ross and Veracity Real Estate Co. support local veteran-serving organizations and affiliated businesses. In this episode, Antoinette Balta and Nick Saifan discuss veteran housing and veterans issues in Southern California.

Antoinette is the Executive Director and Co-Founder of Veterans Legal Institute. She is a former Equal Justice Works AmeriCorps Legal Fellow, 2018 Presidential Leadership Scholar, and spent 6 years in the California State Guard. 

Nick Saifan is the founder and chairman of Vendaval Corp. and spent 24 years in the military – both U.S. Navy and the U.S. Army. He retired from the Army in 2008 as a Captain after serving his country with distinction, He served in various conflicts such as Iraq and is recognized for his service to his country. 

Learn more about these issues by visiting Veterans Legal Institute and Vendaval. 

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What Does Financial Literacy Have to Do with Homeownership?

Housed at the UCI Paul Merage School of Business, the Center for Investment and Wealth Management (CIWM) provides discussion, study and application of financial education for all.

And given that homeownership is perhaps the single largest financial investment a Southern California resident will make, CIWM Faculty Director Christopher Schwarz, Ph.D. explores how and why Orange County housing is expensive but not in a bubble. 

Dr. Schwarz also is the associate professor of finance at The Paul Merage School of Business. His research interests include the management, disclosure and operational risk of the investment fund industry as well as the impact of manager incentives and structure on investment fund performance. His research has been published in leading academic journals such as the Journal of Finance, Journal of Financial Economics, Review of Financial Studies, and the Journal of Financial and Quantitative Analysis, and includes testimony before the U.S. Congress House Financial Services Committee.

Learn more about CIWM and its community programming here. 

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Why a Reverse Mortgage?

Forget everything you think you know about reverse mortgage loans and listen to Pete Tentler, known as The Financial Locksmith, explore this often misunderstood way to unlock equity in your home.

Reverse mortgage loans are commonly used to pay for home renovations, medical and daily living expenses. Homeowners who have an existing mortgage often use the reverse mortgage loan to pay off their existing mortgage and eliminate monthly mortgage payments.

A reverse mortgage loan uses a home’s equity as collateral. The amount of money the borrower can receive is determined by the age of the youngest borrower, interest rates and the lesser of the home’s appraised value, sale price and the maximum lending limit. 

In this episode, host Wendy Ross interviews Pete about his experiences in this industry and explores the benefits of reverse mortgages.

Learn more at reversemortgage1776.com.