Kelvin Craver

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Kelvin Craver Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kelvin Craver, Mortgage brokers, Los Angeles, CA.

Mortgage LO | CA Residential & Nationwide Investor Loans ✈️🏋️‍♂️🍜

DRE #02087655 | NMLS #2009272
Licensed under Serv Corp | DRE #02103630 | NMLS #1912675
Equal Housing Lender

Apply: beacons.ai/craveloans

10/13/2026

Your LADWP bill doubled? Three reasons:

1. It covers two months. LADWP bills every other month, so a summer bill stacks two hot months.
2. Power is tiered. The more you use, the higher the price. This summer's top tier was about 41¢ per kWh.
3. The one almost nobody knows: the fixed Power Access Charge resets every October 1 based on your highest usage in the past 12 months. One hot summer can raise it all year.

If it's tight: EZ-SAVE (income-qualified), Lifeline (seniors and people with disabilities), and Level Pay to even it out. Billing problem? Contact LADWP first; the City's Ratepayer Advocate is next.

Comment MAP and I'll send you the links.

Not affiliated with LADWP or the City of LA. Kelvin Craver · NMLS 2009272

10/06/2026

Same street. Same house. Your neighbor pays $3,950 a year in property tax. You pay $11,400.

Why: Prop 13. Your neighbor bought in 1995 for $178,186. Their taxable value can only rise 2% a year, so today it's about $329,000. You bought this year at $946,950. You're taxed on all of it.

That gap never closes. It's why families fight so hard to keep the parents' house.

Comment PROBATE and I'll send you the checklist. Illustration, not tax advice: 1.2% effective rate; C.A.R. LA County medians (1995, Aug 2026); Cal. Const. art. XIII A.

10/03/2026

You and your sister inherit your parents' house. You want to keep it. She wants her half in cash. $946,950 house, so her half is $473,475.

Here's the trap. Buy her half from her directly and that half gets reassessed — siblings don't get the parent-child exclusion. If the trust borrows the money and distributes the house to you, the whole thing can keep your parents' tax base, as long as you move in under Prop 19. One catch: the trust has to be the only borrower. You can't sign or guarantee that loan.

Same house. Same sister. Same money. Different order.

Comment PROBATE and I'll send you the checklist. Not legal or tax advice — talk to an estate attorney before you pay anyone. Sources: R&T Code §63.2; BOE Property Tax Annotations (625.0000).

09/30/2026

Your parents bought in LA County in 1995. Prop 13 caps the taxable value at 2% a year, so today it's taxed on about $329,000 — roughly $3,950 a year.

Inherit it under Prop 19 and move in within a year: that number doesn't change. Don't move in, and it's reassessed to market — $946,950, about $11,400 a year.

Same house. $7,400 more, every single year.

Comment PROBATE and I'll send you the checklist. Illustration, not tax or legal advice — 1.2% effective rate, Prop 19 cap $1,044,586 (CA BOE). Talk to an estate attorney.

09/26/2026

LA County, 1995: the median house was $178,186. Today it’s $946,950. That’s 5.3x in 31 years — and pay didn’t move like that.
Send this to anyone who says “we bought at your age.”
Source: California Association of Realtors via LA Almanac. Kelvin Craver · NMLS #2009272 · DRE #02087655 · Serv Corp NMLS #1912675 · Equal Housing Opportunity
FirstTimeHomeBuyer RealEstate

09/23/2026

Comment CREDIT and I'll send you the math 👇

Your listing's been sitting, and everyone's first move is to cut the price. That's usually the wrong lever.

A price cut moves what the buyer pays. A seller credit buys down their rate, which moves what they can afford — and that's what's actually stopping them.

Same money out of your pocket. Very different effect on who can say yes.

Kelvin Craver · NMLS #2009272 · CA DRE #02087655 · Licensed under Serv Corp · NMLS #1912675 · CA DRE #02103630 · Equal Housing Opportunity

09/22/2026

Comment LEASE and I'll send you the guideline 👇

Buying your next home and keeping this one as a rental? Don't sign a lease yet.

Fannie Mae changed the rule for the house you're leaving. A signed lease isn't what they want anymore — they want a market rent schedule from the appraiser.

It's mandatory November 1 and optional now, which means two lenders can give you two different answers this week.

Ask your lender which rule they're on, and have them order the rent schedule with your appraisal. You don't need a tenant before you close.

Kelvin Craver · NMLS #2009272 · CA DRE #02087655 · Licensed under Serv Corp · NMLS #1912675 · CA DRE #02103630 · Equal Housing Opportunity

09/21/2026

Comment BUILD and I'll send you what to ask before you register 👇

You'd think a brand new home in LA County starts at a million. This one was in the mid 700s, and the smallest homes in the same community were in the upper 500s — 35 miles from downtown.

Not a fixer. Not a condo conversion. Nobody has ever lived here.

Most people renting in LA have never looked, because they already decided what the answer was. So they renew a lease on a building older than they are.

I'm not saying it's cheap. I'm saying it's less than you think, and you owe yourself 20 minutes to find out.

Prices and availability are set by the builder, vary by community and change without notice — figures shown were current when filmed. I'll confirm the specifics for any community before you rely on them.

Working with me means a written buyer agreement. My fee is negotiable — nothing is set by law.

Kelvin Craver · Real Estate Salesperson · CA DRE #02087655 · NMLS #2009272 · Broker: Serv Corp · CA DRE #02103630 · Equal Housing Opportunity

09/19/2026

This is the realistic on-ramp for your first rental if you've never owned one: buy a small 2-4 unit, live in one unit, rent out the rest. No landlord experience required to start. Not a promise of cash flow or guaranteed approval, every deal is different.

Comment FIRST and I'll send you the breakdown.



Kelvin Craver · NMLS #2009272 · CA DRE #02087655 · Licensed under Serv Corp · NMLS #1912675 · CA DRE #02103630 · Equal Housing Opportunity

09/17/2026

Comment LINE and I'll send you the breakdown 👇

The Fed raised rates this week and your thirty-year fixed barely moved. That confuses people every time.

Here's the actual wiring: the Fed funds rate is what banks charge each other overnight. It is not a mortgage rate. Your thirty-year follows the 10-year Treasury, because that's what mortgage buyers compete against.

What does follow the Fed, immediately: Prime. Credit cards and variable-rate home equity lines reprice right away. If part of your HELOC is on a fixed-rate lock, that piece doesn't move — only the variable balance does.

A HELOC is a mortgage too. It just moves on a different clock.

Kelvin Craver · NMLS #2009272 · CA DRE #02087655 · Licensed under Serv Corp · NMLS #1912675 · CA DRE #02103630 · Equal Housing Opportunity

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