Keith Wenger - Imperial Mortgage & Real Estate Services

Keith Wenger - Imperial Mortgage & Real Estate Services 🏘 Keith Wenger NMLS #233735
🏠ONE STOP SHOP
💵Saving Our Clients an Average of $10,125
⏰ 30 for all aspects of loans and Real Estate!!

Keith Wenger has owned and directed a highly successful independent Real Estate and Mortgage Brokerage for over 23 years; And he's got the drive and business acumen of a big firm Broker, but what Keith most enjoys about his career is the opportunity to work one-on-one with people to make their home buying or selling experience or their home loan solution an enjoyable success. Call me to find out a

bout saving money on your loan when I act as your realtor! 530-885-4444. Servicing Auburn, Roseville, Rocklin, Loomis, Granite Bay, Grass Valley, Nevada City, Penn Valley in Ca.

🌟 What’s Hot in the Auburn Market? 🌟Auburn, CA and outlying areas are buzzing with opportunity in 2025! Here are a few k...
02/21/2025

🌟 What’s Hot in the Auburn Market? 🌟

Auburn, CA and outlying areas are buzzing with opportunity in 2025! Here are a few key trends and hot neighborhoods you’ll want to keep an eye on:

🏡 Historic Downtown Auburn: This charming area continues to attract buyers with its historic homes, vibrant local shops, and easy access to trails and parks. Perfect for those who love small-town charm with modern amenities!

🌳 Auburn Lake Trails: With its picturesque surroundings and a tight-knit community, Auburn Lake Trails is gaining popularity. Buyers love the spacious homes and the proximity to outdoor recreation—ideal for nature lovers.

📈 Increased Interest in Rural Properties: More buyers are exploring rural homes just outside of Auburn for more space and privacy. With great schools and quick access to both Auburn and Sacramento, these properties are in high demand!

💰 Price Stability: While prices are holding steady, this area still offers great value compared to surrounding regions like Sacramento and Roseville—making it an attractive choice for buyers.

Thinking of buying or selling in Auburn? Let me help you navigate the market!
📲 530-885-4444 for more info on Auburn’s hottest neighborhoods!

Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

💡 What’s a Debt-to-Income Ratio and Why Does It Matter? 💡Your Debt-to-Income (DTI) Ratio is one of the key factors lende...
02/19/2025

💡 What’s a Debt-to-Income Ratio and Why Does It Matter? 💡

Your Debt-to-Income (DTI) Ratio is one of the key factors lenders use to determine if you qualify for a mortgage. It’s the percentage of your monthly income that goes toward paying debts, including credit cards, loans, and your new mortgage payment.

📊 How It Works:
DTI = Total Monthly Debt Payments ÷ Gross Monthly Income

🔑 Why Does It Matter?
Lenders Use DTI to Gauge Affordability: A lower DTI shows you’re not overburdened by debt, making you a safer bet for a loan.
DTI Limits: Most lenders prefer a DTI under 43%, but this can vary depending on the loan type and other factors.
How It Affects Your Loan: A high DTI might limit how much you can borrow, or prevent you from qualifying for certain loan programs.
💬 If you’re not sure where you stand or how to improve your DTI, I’m here to help!
📲530-885-4444!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

💘 Finding Your Perfect Match Your Dream Home! 💘Just like love, finding the perfect home is all about the right fit! 🏡✨ W...
02/14/2025

💘 Finding Your Perfect Match Your Dream Home! 💘

Just like love, finding the perfect home is all about the right fit! 🏡✨ Whether you’re buying your first home or upgrading to a new one, here’s how homebuying is like finding the one:

❤️ It’s all about compatibility: Your dream home should match your needs location, size, and style. If it checks all the boxes, it’s love at first sight!

💌 Timing is everything: Just like finding love, the right home will come at the right time. Be patient, trust the process, and your perfect home will find you.

💍 A long-term commitment: Buying a home is a big decision—much like love! Make sure you’re ready for the commitment before taking the leap.

Ready to find your home sweet home? Let’s make it happen!
📲 530-885-4444!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

💡 Common Questions About Refinancing 💡1️⃣ “Refinancing is only worth it if rates drop significantly.”❌ Not true! Refinan...
02/10/2025

💡 Common Questions About Refinancing 💡

1️⃣ “Refinancing is only worth it if rates drop significantly.”
❌ Not true! Refinancing can also help you lower monthly payments, consolidate debt, or shorten your loan term—even if rates don’t drop dramatically.

2️⃣ “I need perfect credit to refinance.”
❌ While a higher credit score helps, you can still refinance with a good or fair score—let’s explore your options!

3️⃣ “Refinancing is expensive.”
❌ Refinancing costs can be rolled into your loan or offset with savings, depending on your situation. It might save you more in the long run.

4️⃣ “I should only refinance if I’m planning to stay in my home for years.”
❌ Refinancing can still be beneficial if you plan to stay for just a few years—especially if it lowers your payments or shortens your term.

If you’re wondering if refinancing is right for you, I’m here to answer all your questions and guide you through the process.
📲 530-885-4444!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

🏡 5 Tips for First-Time Homebuyers 🏡1️⃣ Get Pre-Approved – Know your budget before you start house hunting!2️⃣ Save for ...
02/07/2025

🏡 5 Tips for First-Time Homebuyers 🏡

1️⃣ Get Pre-Approved – Know your budget before you start house hunting!
2️⃣ Save for a Down Payment – A larger down payment can save you money in the long run.
3️⃣ Check Your Credit – A good credit score helps you get better rates.
4️⃣ Research Neighborhoods – Find a community that fits your lifestyle and future plans.
5️⃣ Hire a Real Estate Agent – They’ll guide you through the process and help avoid pitfalls.

Ready to start your home buying journey?
📞 Keith Wenger - 530-885-4444



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

02/03/2025

🌟 Client Testimonial 🌟

“We couldn’t be happier with our experience working with Keith! From the start, he really took the time to listen to what we wanted in a home and helped us find the perfect area and house. No matter the time, Keith was always there to answer our questions, show us properties, and offer invaluable advice on how to secure the home we wanted. We are so grateful for his expertise, patience, and dedication. We truly love our new home, and we wholeheartedly recommend Keith to anyone searching for their dream home!”

— Michael and Jeanette 🏡💕

If you’re ready to find your dream home, let’s chat!
📲 Call Keith Wenger at 530-885-4444.



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

🏡 January Market Update 🏡Curious about the local real estate market? Here’s what’s happening in January:📉 Interest Rates...
01/31/2025

🏡 January Market Update 🏡

Curious about the local real estate market? Here’s what’s happening in January:

📉 Interest Rates: Rates are holding steady with slight fluctuations. It's a great time to lock in a competitive rate before potential changes.
📊 Inventory: Homes are still limited in supply, creating opportunities for sellers but challenges for buyers.
🏠 Home Prices: Prices remain stable with some areas seeing slight increases, especially in desirable neighborhoods.
💼 Buyer Activity: Interest is strong, especially for first-time buyers looking to make the move this year.

If you're thinking of buying or selling, now is the time to make a move!
📲 Call 530-885-4444 for more local insights!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

💡 Mortgage Tip 💡Fixed vs. Adjustable Rates: Which is right for you?🔒 Fixed-Rate Mortgage✔️ Same interest rate for the li...
01/28/2025

💡 Mortgage Tip 💡
Fixed vs. Adjustable Rates: Which is right for you?

🔒 Fixed-Rate Mortgage
✔️ Same interest rate for the life of the loan.
✔️ Predictable payments.
❌ Higher starting rates.

📈 Adjustable-Rate Mortgage (ARM)
✔️ Lower starting rate.
✔️ Great if you plan to move or refinance soon.
❌ Rates can rise after the initial period.

Which one fits your goals? Need help deciding?
📲 Call at 530-885-4444!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

🎉 It’s a New Year – Time for New Home Goals! 🏡✨As we step into 2025, it’s the perfect time to set your homeownership res...
01/24/2025

🎉 It’s a New Year – Time for New Home Goals! 🏡✨

As we step into 2025, it’s the perfect time to set your homeownership resolutions! Whether you're dreaming of buying your first home, refinancing, or upgrading your current space, now is the time to plan. Here are a few tips to get started:

1️⃣ Set Clear Goals: Decide what you want in a home and a mortgage. Whether it’s a bigger space or a lower interest rate, clarity is key.

2️⃣ Check Your Credit: Your credit score plays a huge role in securing the best rates. Start the year by reviewing and improving your score!

3️⃣ Start Saving for a Down Payment: The more you save, the more options you’ll have when it’s time to buy.

4️⃣ Get Pre-Approved: It’s never too early to talk to a mortgage expert. Getting pre-approved will help you understand your budget and give you a competitive edge.

Let’s make 2025 the year you achieve your homeownership dreams! 🏡💫

If you need help with your mortgage goals, I’m here to assist! 📲 Call at 530-885-4444 or DM me for more information.



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

💡 Refinancing After the Holidays Is It the Right Move for You? 🏡🔑As we ring in 2025, many homeowners may be wondering if...
01/07/2025

💡 Refinancing After the Holidays Is It the Right Move for You? 🏡🔑

As we ring in 2025, many homeowners may be wondering if now is the right time to refinance. The new year is the perfect time to reassess your mortgage and consider refinancing to take advantage of potential savings. Here’s why refinancing could be a great option:

💸 Lower Your Monthly Payments: If interest rates drop or your financial situation improves, refinancing can help you secure a lower rate and reduce your monthly mortgage payment.

📈 Access Home Equity: If your home has appreciated in value, refinancing can allow you to tap into that equity for home improvements, debt consolidation, or other financial goals.

🔄 Shorten Your Loan Term: Refinancing may allow you to shorten your loan term, paying off your mortgage faster and saving money on interest over the life of the loan.

🛠 Consolidate Debt: With refinancing, you can consolidate high-interest debt (like credit cards) into your mortgage, potentially lowering your overall interest costs.

It’s important to evaluate your current situation and goals for 2025 whether you're looking to save money, invest in home improvements, or achieve financial freedom. If refinancing makes sense for you, I’m here to help you navigate the process!

Let’s make 2025 the year of smarter financial moves. Reach out today to learn more about your refinancing options. 📞 530-885-4444



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

🎉 Cheers to New Beginnings in 2025! 🏡✨As we step into a brand-new year, I want to wish all my incredible clients and fri...
01/05/2025

🎉 Cheers to New Beginnings in 2025! 🏡✨
As we step into a brand-new year, I want to wish all my incredible clients and friends a prosperous and exciting 2025! 🌟 Whether you’re planning to buy, sell, or refinance, this is the perfect time to make those homeownership dreams a reality.
Let’s make 2025 the year of new opportunities and fresh starts! I’m here to help you every step of the way. Let’s set those goals and make them happen! 💪🏡
Here’s to new homes, new memories, and new beginnings. Cheers to a fantastic year ahead! 🥂
📞 530-885-4444
KeithWengerSavesYouMoney

Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Tonight is another chance to start again. It’s just another New Year’s Eve. Another night like the rest. It’s just anoth...
12/31/2024

Tonight is another chance to start again. It’s just another New Year’s Eve. Another night like the rest. It’s just another New Year’s Eve. Let’s make it the best! Happy New Year!!



Keith Wenger NMLS #233735 | Equal Housing Opportunity. Not an offer to extend credit or commit to lend. CA: Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act

Address

4455 Gambah Drive
Auburn, CA
95602

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 5pm
Sunday 8am - 5pm

Telephone

+15308854444

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