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Agent Information

Real Estate
Office Phone: +1 (760) 535-9511
Home Phone: +1 (760) 352-0662
e-Mail: randyvarley@randy-realty.com
  Fax: +1 (760) 352-8979
Office: 1665 West Ocotillo Drive, El Centro, CA 92243-4150
Mail: P.O.B. 4145, El Centro, California 92244-4145

Serving Areas of the Imperial County:
El Centro ~ Imperial ~ Brawley ~ Calipatria ~ Calexico ~ Holtville ~ Salton Sea
RESIDENTIAL,Randy Varley Real Estate,NEXX, NEXX TIME,NEXX TIME CALL,Next Time,home buyer,realtor,agents,agent,listing agent,realtors, houses,residential,brokers,single family,duplex,three plex,four units,four plex threeplex,fourplex,condominiums, townhouses,town houses,townhouse,buy,buyers,commercial,commercial property,commercial properties, housing development,estate,estate sales,real property,property,properties,for sale,for sale by owner,for sale by owners,community services,planning commission,zoning,structural engineering,inspection,home inspection, invest,investment,investments,investment property,investment properties,multi-listing,multilisting,list,listing, listing service,luxury,luxury home,luxury homes INDUSTRIAL, mls,multi-listing service,mls service,new construction,stick built,reposition,repo,government repo,government reposition,government repositions,relocate,relo,home, homes,house,apartment,apartments,property management,management,house rental,house rentals,home rental,residential income management,seller financed,exchange,trade,loan fees,30 year,15 year,appraisal, CMA,comparatible market analysis,BPO,REO,repossession,repossess
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The Wall Street Journal (WSJ) Prime Rate and Key Interest Rates
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Current Fed Funds Target Rate and WSJ Current [Prime Rate News] Feed Content
Mortgage Rates, below

Free and Low-Cost Real Estate Forms (all) [source: kaktus.com]

Foreclosures, Government Home & Property Sales, Surplus Land
• Available HUD Homes for Sale & Real Estate for Sale from Government
(Includes commercial buildings, investment properties, land, multifamily and single family homes, condominiums, mobile homes, farms, ranches, and agricultural properties.)
• U.S. Departments of Housing and Urban Development (HUD), Agriculture (USDA/Rural Development), and Veterans Affairs (VA) homes for sale
Financing & Loan/Mortgage Considerations
• Looking for the Best Mortgage from the FTC , FDIC and the HUD
• Home Loan Guaranty Services, Veterans Benefits and Services
• Buying a Home • Owning • Selling • Renting • Senior/Seniors Housing
• Fair Housing & Equal Opportunity (FHEO) + FHEO Library of Examples - Home Buyers Vocabulary
• What's A Mortgage Loan? - Types of Loans (Fannie May)
• Home Equity Loan Considerations and How to Avoid Foreclosure (HUD)
• Buying versus Renting: A calculator to compare..owning vs. renting a home.
(fixed-rate mortgages, adjustable-rate mortgages, low and no down payment mortgages, home improvement mortgages, reverse mortgages for seniors, and special financing mortgages.)
Reverse Mortgages
• Reverse Mortgage: Get the Facts Before Cashing In On Your Home’s Equity (FTC.gov)
• Reverse Mortgages for Seniors + Top Ten Things to Know if You're Interested in a Reverse Mortgage (HUD.gov)
Moving/Relocation Tools:
• (sources: HomeFair.com & CareerBuilder.com)
• Moving Calculator - Moving Timeline Generator - Military Friendly Version
• Salary Calculator - City Reports - School Reports - Community Reports / Demographics - Relocation Crime Reports / Lab
• Cost of Living Comparison between Two Cities - More sites for Key expenses
Glossaries & Terminology:
• California Department of Real Estate: Laws, Escrow, Regulations, Forms, FAQs + State & Federal links
• Fannie Mae's Home Buyers Glossary & real estate and mortgage terms
• Home Inspection: California Real Estate Inspection Association information for Buyers / Sellers & Real Estate Professionals
• Compare Cities & Salaries - Research Schools - Jobs & Employment Opportunities
• Glossary of Commercial Property Terms (gov.uk)
• Rental/Lease Forms & Landlord & Tenant Forms (LawDepot.com automated legal forms)
• ( Eviction/Lease Notices, Lease Amending Agreement, Lease Assignment Agreement, Lease Agreement (Commercial), Roommate Agreement, Rental Application (Residential), Other Rental Contracts, Rental/Lease Agreement (Residential) FAQ, General Legal FAQ)
Finance Calculators:
• (sources: BankRate.com, US Gov't, SmartMoney.com, CalcBuilder.com, MyFico.com, Finance.Move.com)
• Rates - Bank, Mortgage, Tax, School Loan, Equity, Personal, Vehicle, Renovations (source: bankrate.com)
• Home Affordability, Mortgage Calculator, Mortgage Refinance, Loan Comparison by Term, Fixed versus Adjustable, Loan Comparison by Rate, Home Value Projection, Rent versus Buy, Credit Analyzer, Current Home Value
• Calculate Your Mortgage Payments - Should Your Refinance?
• Mortgage Payment Calculator (HUD) - Mortgage Refinancing - Payment/Pre-Payment/Equity Options
Can You Afford It? - Worksheet - How Much Can I Borrow? - Fixed or Adjustable?
• Mortgage Shopping Worksheet, Glossary, Negotiating, Comparing (Federal Reserve)
• Credit Scoring - Pay Points? - What are discount, origination, primer about, etc.
• Calculators: Mortgage, Home, Equity, Auto, CDs & Investments, Credit Cards, Debt Management, College Finance, Personal Finance
• A Second Home? - Monthly Payments/Pre-Payments - Interest Totals - Closing Costs
• Downpayment - Metric/Engish Conversion - Paycheck Calculators - Currency Converter #1 or #2
• Currency Converter by OANDA.com, The Currency Site.
(sources: HUD - Bankrate - Allstate)
Interest Rates:
• Average Interest Rates - Today's High/Low Five (5) - Average Mortgage Rates - Compare Rates Offered
• Check Local Mortgage Rates
Daily Mortgage Statistics
Wall Street Journal - Key Money Rates
The Wall Street Journal's Real Estate Journal: News & Recent Articles
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