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All Things About HOA’s You Want to Know – OC Neighborhood Moves
03/01/2019
All Things About HOA’s You Want to Know – OC Neighborhood Moves

All Things About HOA’s You Want to Know – OC Neighborhood Moves

All Things About HOA’s You Want to Know  HOA is an acronym for “Home Owner’s Association.” Homeowners typically pay their monthly/annual dues to this association in the community they reside. Why is there an HOA?HOAs are normally created when a developer builds residential property in a par...

1st-time home buyers have more concerns than the experienced buyer.
02/14/2019
Employment Concerns for First-time Home Buyers -

1st-time home buyers have more concerns than the experienced buyer.

The employment requirements for a mortgage allow for some variations which is good news for prospective first-timebuyers looking to buy a home.

How do lenders calculate my side-job income?
02/14/2019
Will Lenders Count All Income I Receive? -

How do lenders calculate my side-job income?

Borrowers who receive income from different sources may be surprised it can be used to qualify for a mortgage. Learn which types are acceptable.

Irvine is a favorite location for all ages. Learn how much is needed to become a resident.
02/12/2019
How Much is a 20-percent Down Payment on a Median-Priced Home in Irvine, CA? -

Irvine is a favorite location for all ages. Learn how much is needed to become a resident.

As of June 27, 2018, Trulia reports that a median-sales price for a home in Irvine, CA is $839,000. That means a 20% down payment would be $167,800. Keep reading to learn why yours could be a lot smaller than that. Qualified borrowers don’t necessarily need to come in with a 20% down payment when ...

If I Rent Out My Current Home Can I Get A Mortgage To Buy Another Home? -
02/12/2019
If I Rent Out My Current Home Can I Get A Mortgage To Buy Another Home? -

If I Rent Out My Current Home Can I Get A Mortgage To Buy Another Home? -

Sure, you can. It is not an issue for everyone! You may want to rent out your current home and get another mortgage to buy a new home. Many homeowners inquire with us and ask whether they should rent or sell their home. Some of the reasons are they are in a new relationship or …

Loan fees don't have to be frightening. Here's some tips to keep them reasonable.
02/12/2019
Best Ways to Keep Closing Costs Low -

Loan fees don't have to be frightening. Here's some tips to keep them reasonable.

Many home buyers, particularly first-timers, have a challenging task when it comes to the down payment and closing costs. A great solution for buyers to bring in less cash to closing is for the seller to help with some of the sales costs is by offering a credit at closing. There is a limit on …

Getting a Mortgage with Student Loan Debt -
02/07/2019
Getting a Mortgage with Student Loan Debt -

Getting a Mortgage with Student Loan Debt -

Home financing for people with college education debt is still accessible with recent rule changes in how lenders determine your payment.

Pay Loan Points or Not?
02/07/2019
Quick Overview Regarding Loan Points -

Pay Loan Points or Not?

One term that is frequently used by industry professionals when borrowers apply to buy a home or a refinance a mortgage is the term “points,” also known as “discount points".

Things to Know Before Buying a Vacation Home -
02/07/2019
Things to Know Before Buying a Vacation Home -

Things to Know Before Buying a Vacation Home -

What exactly do you want or expect from a vacation home? Do you want a busy place that is bustling with people and tourists or peace and quiet where neighbors are few and your privacy is a top priority?

Easier Qualifying for Borrowers with Student Loan Debt -
02/07/2019
Easier Qualifying for Borrowers with Student Loan Debt -

Easier Qualifying for Borrowers with Student Loan Debt -

Fannie Mae recently announced a few new changes that may help as many as 44 million poetntial borrowers who are strapped with student loan debt qualify for mortgage financing.

Renting in Orange County is Now Even Less Affordable -
02/07/2019
Renting in Orange County is Now Even Less Affordable -

Renting in Orange County is Now Even Less Affordable -

Research shows that rents in Orange County average $1,827 per month in 2017. Single family home rents are naturally higher at $3,114. A big reason the market is so tight is due to more renters in the region and fewer homeowners.

How First-time Buyers Can Save Money After Closing -
02/07/2019
How First-time Buyers Can Save Money After Closing -

How First-time Buyers Can Save Money After Closing -

When you transition from a renter to a first time homebuyer, you are now responsible for repairs and maintenance for the home. With that in mind, here are six tips to save money after closing on your first home.

An Overview of the Powerful Benefits of a VA Home Loan -
02/07/2019
An Overview of the Powerful Benefits of a VA Home Loan -

An Overview of the Powerful Benefits of a VA Home Loan -

Here's a quick recap on 9 of the many benefits of a VA home loan for eligible borrowers seeking home financing. The facts are very convincing why this is one of the best loans to apply for if you are a veteran, spouse of a veteran or presently serving in the military.

9 Home Buyer Myths and Facts -
02/05/2019
9 Home Buyer Myths and Facts -

9 Home Buyer Myths and Facts -

For many potential homebuyers, some allow their decision to be changed by a myth. Fear of buying a home is understandable but you need to know the facts from the myths.

Down Payment Gift Rules for Borrowers -
02/05/2019
Down Payment Gift Rules for Borrowers -

Down Payment Gift Rules for Borrowers -

With strong housing demand and price appreciation in California, potential buyers sometimes need more down payment money to purchase the home they have been searching months for. A Gift can do just that for qualified borrowers.

Cash-Out Refinance for Buyers with No Waiting Period -
02/05/2019
Cash-Out Refinance for Buyers with No Waiting Period -

Cash-Out Refinance for Buyers with No Waiting Period -

If you are looking to refinance a home you just bought. there is a loan program available called delayed financing. This is one of the best methods for a cash back refinance.

How to Save on Your Mortgage by Managing Your Credit -
02/05/2019
How to Save on Your Mortgage by Managing Your Credit -

How to Save on Your Mortgage by Managing Your Credit -

The credit score of the borrower has a big impact on the interest rate and how much you are able to borrow. Scores below 680 may find challenges while somebody with a 720 or higher credit score will receive close to or the best rates and pricing.

Important items to check for when buying a home
09/01/2016
Home Buying Checklist – OC Neighborhood Moves

Important items to check for when buying a home

Home Buying Checklist Posted on August 30, 2016August 30, 2016 by Chris When making a home purchase, a lot of excitement and planning can make you neglect significant issues after you move-in. It’s highly recommended that you error on being overly cautious than not. For most people, purchasing a ho...

04/05/2016
4th of July Celebrations in South Orange County

It is never too early for 4h of July.

A list of annual Fourth of July events and activities in South Orange County. So, yes this is everything that does not include Disneyland (which is in North ...

04/01/2016
Top 10 Must See Places San Juan Capistrano

Must See List of Places in San Juan Capistrano. Tip: go on the weekend.

Here's some favorite places to visit in San Juan Capistrano by those who recently traveled there. Become a homeowner or refinance your existing home with a l...

04/01/2016
VA Loan Advantages in California

Helping those who served our country. Now we're here to help you

Learn about the advantages of VA Home Loan financing in California whether you are active duty or a veteran looking to buy a home or refinance. The advantage...

Answers about #FHA Loans in Orange County, California
03/30/2016
Orange County FHA Mortgage Loan Q&A

Answers about #FHA Loans in Orange County, California

Orange County FHA Frequently Asked Questions (FAQ) What makes a mortgage an FHA loan? The Federal Housing Administration (FHA) insures FHA loans. This is one of the most significant factors. What are the primary benefits of an FHA loan? Most FHA borrowers seek the low down payment requirements of FH…

U.S. Mortgage Rates Still Favorable for Spring Home Buying Season - According to Freddie Mac's latest Primary Mortgage M...
03/14/2016
U.S. Mortgage Rates Still Favorable for Spring Home Buying Season

U.S. Mortgage Rates Still Favorable for Spring Home Buying Season - According to Freddie Mac's latest Primary Mortgage Market Survey (PMMS), U.S. mortgage rates moved higher for the second week in a row, while also only posting the second increase this year making mortgage rates very attractive for the upcoming spring home buying season.

Sean Becketti, chief economist of Freddie Mac says, "The 10-year Treasury yield ended the survey week exactly where it started, however the solid February employment report boosted the yield noticeably on Friday and Monday. Our mortgage rate survey captured the impact of this temporary increase in yield, and the 30-year mortgage rate rose 4 basis points to 3.68 percent. This marks the second increase this year. Nonetheless, the mortgage rate remains 33 basis points lower than its end-of-2015 level."

Freddie Mac PMMS Report Facts:

30-year fixed-rate mortgage (FRM) averaged 3.68 percent with an average 0.5 point for the week ending March 10, 2016, up from last week when it averaged 3.64 percent. A year ago at this time, the 30-year FRM averaged 3.86 percent.
15-year FRM this week averaged 2.96 percent with an average 0.5 point, up from last week when it averaged 2.94 percent. A year ago at this time, the 15-year FRM averaged 3.10 percent.
5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.92 percent this week with an average 0.4 point, up from last week when it averaged 2.84 percent. A year ago, the 5-year ARM averaged 3.01 percent.
- See more at: http://www.worldpropertyjournal.com/real-estate-news/united-states/primary-mortgage-market-survey-march-2016-pmms-sean-becketti-freddie-mac-best-mortgage-rates-real-estate-news-spring-home-buying-season-data-9715.php#sthash.S7wwUvsY.dpuf

U.S. mortgage rates moved higher for the second week in a row, while also only posting the second increase this year making mortgage rates very attractive for the upcoming spring home buying season.

02/01/2016

With current mort rates below four percent, millions of U.S. homeowners are in position to refinance to save money.

And, although more households are refinancing than during any period in the last 18 months, only a little more than half of consumers think "it would be easy" to get a mortgage today.

The sentiment is unfounded.

Since the start of 2014, U.S. lenders have systematically loosened home loan guidelines such that, today, Ellie Mae reports records numbers of home loans making it through the loan approval process unscathed.

available for credit scores of 580 and higher; and with conventional loans requiring less paperwork, not since 2008 has it been so easy to be mortgage-approved.

Consumer sentiment is failing to follow the reality of today's housing and mortgage markets. Home values are rising and current mortgage rates are low.

AN INSTANT MORTGAGE RATE QUOTE

The Fannie Mae Housing Market Survey shows consumers expecting modest home price growth in the next 12 months, along with an increase in today's mortgage interest rates. Ultimately, both predictions may be proved wrong.

Take a look at today's real mortgage rates now. Your social security number is not required to get started, and all quotes come with instant access to your live credit scores.

Tricked out student housing equals big developer profitsOn a Wednesday afternoon, in a luxury apartment building called ...
09/22/2015
Tricked out student housing yields big profits

Tricked out student housing equals big developer profits

On a Wednesday afternoon, in a luxury apartment building called "The Standard," which would fit right into any major metropolitan downtown, sunbathers line the edges of the rooftop's infinity pool. Sweat flies in the bright fitness center as loud pops emanate from the racquetball court, and a young woman at the concierge desk phones upstairs to a resident about a package. Only this is not any residential building. It's student housing at the University of Georgia in Athens.

"What you've seen over the last several years has been more of an urbanization of student housing, where more institutional players are coming in and developing these higher-end, more urban-style properties to cater to the needs of today's college students," said Wesley Rogers, CEO of Landmark Properties, the Georgia-based developer behind The Standard—a brand of student housing residences that raise the standards on student living.

Landmark, like other student housing developers, is profiting from ever-growing demand as enrollment grows and on-campus housing ages. Rogers said Landmark grew 40 percent even during the recession and is plowing ahead with several new projects.
The Standard, a high-security building, offers students luxury apartments with granite countertops in the kitchen and en suite bathrooms for each bedroom. The building is walking distance to campus and has on-site parking. What really draws attention, though, are the added amenities. The pool, fitness center, saunas, game room with large-screen televisions and even a golf simulator.
"Just look around for yourself to see. It's always a fun time here," said John, a junior at the university, swimming up to the side of the pool.
"Everybody needs a way to unwind. You can't study all the time. Everyone needs to have their outlet, so it gives everyone their outlets," said Ashton, another junior, joining the poolside chat with her friends.
Developers claim they are just catering to student demand, but really they are competing in an ever higher-stakes play for a real estate sector that until now had been largely ignored. As enrollment at universities increases, so does housing demand and competition to get that top-tier demand.
"Student housing in general is a relatively young industry. Developers really hadn't focused on student housing until about 20 years ago, and for the most part students were living in dorms that were built in the '50s or '60s," said Brendan Coleman, managing director at Walker & Dunlop, a commercial real estate financing firm.
http://www.cnbc.com/2015/09/03/tricked-out-student-housing-equals-big-developer-profits.html

The increased urbanization of student housing is translating into big money for some developers and REITs.

Back to School: How to Set Your Kids Up for a Happy, Successful SemesterNew notebooks and school clothes -- or well-love...
09/03/2015
TODAY - Latest News, Video & Guests from the TODAY show on NBC

Back to School: How to Set Your Kids Up for a Happy, Successful Semester

New notebooks and school clothes -- or well-loved hand-me-downs from older siblings. New teachers. New classes. Tingles of excitement (and nervousness) in your tummy.
While your child isn't an exact replica of you, it's likely that he or she is feeling quite a few of those same emotions. Your child might also be contending with additional sources of anxiety and stress that you never had to go through yourself. Like the fear of having an awkward, pimple-riddled photo strewn across social media. Or unprecedented levels of pressure to score high grades and win scholarships for top colleges.
Point being: going back to school can be an exciting--yet stressful--time for your kid, at any age.

As a psychologist, life coach, and family law attorney, I've heard some pretty unsettling stories about kids feeling totally overwhelmed and unprepared.
But when I say that heading back to school can be stressful, the keyword here is "can" -- not "must." With your help, it doesn't have to be such a rough transition. As a parent, you're the single most influential figure in your child's life, so there's a lot you can do!
Here are 5 simple things you can focus on to set your child up for a happy semester -- and maybe even the best school year, ever.
1. Routines. Ideally, you'll have your child adjust back into "school routines" a few weeks before school actually begins. This can create a much smoother transition from "summer mode" back into school, rather than a rocky, rude awakening on the first day of school! Instill routines like: waking up at an earlier hour, getting dressed, brushing teeth, bed time, and so on. Consistency is key. If your child divides his or her time between two households, ideally both co-parents should be on the same page--and schedule.
2. Rules. Setting and implementing fair rules and reasonable consequences for misbehavior does not make you a "mean" parent. Quite the opposite. Rules can keep your child safe, healthy, and focused, and unappealing consequences (like temporarily losing cell phone, video game or TV privileges) can provide strong motivation for your child to do what is right. Rules and consequences are powerful parenting tools. (If you're not sure how to set age-appropriate rules and consequences that make sense for your child's maturity level, this guidebook can help.)
Before school begins, have a conversation with your child where you explain the rules for the new school semester, including your child's household chores, curfew, homework requirements, and so on. Have your child verbally repeat back everything you've stated so you know they understand. Then record all the rules in writing using...
3. Charts. This tool is a parent's best friend! Make a note of your child's chores and responsibilities on a chart and put it somewhere where everyone can see it, like on the fridge. Have your child mark completed responsibilities (tidying his bedroom, taking out the garbage, finishing homework on time, etc.) with a checkmark, sticker, or gold star. Review your child's chart often (I suggest daily) to ensure that he or she is on track.
Exceptional, above-and-beyond behavior can be rewarded with a special treat, but avoid "bribing" your child to comply with the basic rules ("You can have ice cream later if you do your homework now"... is not a good lesson to enforce. You don't get a "reward" just for showing up to work on time, right? So don't teach your child that "rewards" happen just for covering the basics. That's not how the world works.)
4. Role modeling. As a parent, you set the bar, you set the tone, you lead the way! Your child looks to you for cues about how to behave. So if you want your child to enjoy a happy, healthy, low-stress school semester, that means it's vital for you to take good care of yourself, too. Make sure that you're honoring your own bedtime, eating nourishing food, exercising (without grumbling, if possible) and taking steps to keep your stress levels in check.
If you're dealing with pent-up negative emotions (grief, anger, betrayal, disappointment), I suggest thwacking a pillow with a hand towel that you have knotted on one end, screaming into a pillow (it will muffle the sound), pummeling a punching bag at the gym, or engaging in your preferred de-stressing ritual of choice! Discharging pent-up emotions in this way can help to prevent an unpleasant "blow out" episode in front of your kids ("How many #$%^ times do I have to tell you...!") Your child's anxiety and stress levels invariably mirror your own, so take good care of yourself so that you can be a calm, positive role model for your little one.
5. Love. It goes without saying, but your child needs unconditional love during the back to school season -- and every season. Again, avoid trying to "bribe" your child with sweets, toys and special treats to try to "convince" them to follow the rules, do their homework, apply themselves at school, or be "happier." Instead of bribes, give your child plenty of hugs, words of encouragement, quality time, and undivided attention. Focus on love -- not "stuff." (As the Reverend Jesse Jackson says, "Your children need your presence more than your presents.")
When children feel secure in their parents; love, they tend to be more successful, confident and responsible at school and at home, and tend to be more well adjusted later down the road in their adult-life, too. So pour on the love. You really can't "overdo" it!

To sum it up:
Gearing up to go back to school doesn't have to be overwhelming for you or your child. With some preparation, consistent routines, visual charts to track progress, and lots of love and encouragement, you can help your child to navigate this transition with ease and enjoy a phenomenal school year.
Above all, remember:
"Family is the first school for young children."
--Alice Sterling Honig
It may sound cliché, but your child's education really does begin at home, in your care. You are your child's most influential teacher, so it's up to you to model the values, beliefs and behavior that you want your child to adopt.
Your child cannot follow in your footsteps unless you are moving your own feet in the right direction. A happy, successful school year starts with you.
...
Dr. Suzanne Gelb is a clinical psychologist, life coach and family law attorney.
She believes that it is never too late to become the person you want to be. Strong. Confident. Calm. Creative. Free of all of the burdens that have held you back -- no matter what has happened in the past.
Her insights on personal growth have been featured on more than 200 radio programs, 200 TV interviews and online at TIME, Forbes, Newsweek, NBC's TODAY.com, The Daily Love, MindBodyGreen, and many other places. http://m.huffpost.com/us/entry/7986072

Catch up on the latest news stories, recipes and TODAY show video with Matt Lauer, Savannah Guthrie, Al Roker, Natalie Morales and Willie Geist.

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