3/30/2015

Dana Hills Lacrosse Game Tonight vs Mission Viejo!



 Coming off the huge win against San Juan Hills High School
Dana Hills High School Boys Lacrosse Meets Mission Viejo
tonight March 30th at 5:30 PM at the Dana Field
Come out to watch an exciting fast paced game
I will be at the stats table and will buy you a cup of hot chocolate
if you show up. The Dana field looks over the ocean, and we get
an evening breeze. J V game to follow at 7:30 PM

Jersey number four Logan Nash and number eleven Matt Schultz in action

3/28/2015

11 Tudor Ladera

11 Tudor Ladera Ranch home for sale
Martha Stewart could live here
This perfectly maintained house
for $899000
With 80 10 + 10 financing you
only need $99000 to close
Payments as follows:
1st TD APR 4.199    monthly principle and interest $ 3433.61
2nd TD APR 5.301  monthly principle and interest  $   493.01
Property tax + Mello Roos                                        $  1120.08
Fire hazard                                                                 $    85.00
HOA dues                                                                  $   193.00
Total monthly payments $5325.
terms and conditions apply
this is not a rate commitment or loan approval
Call for your mortgage quote
rates change twice a day this was as of 3/27/2015
Ladera Ranch California 


3/25/2015

Grant Money to Buy a Home

Border of edible herbs for your new home use free money
to buy with a grant program. Help finance your home loan.
Like free money from grandma for your purchase mortgage


                What is NHF Platinum?
A first mortgage program with a Down Payment Assistance Grant.
Can excess grant funds be used towards closing costs?
Yes, only towards “customary” closing costs.
Does the client have to be a first time homebuyer?
No, clients can still use this program if they have owned a home in previous 3
years.
Do funds ever run out via too many reservations?
No, funds never run out as long as the program is offered.
NHF Platinum Q&A
What properties are allowed?
Allowed:
Owner Occupied, single family residences
Agency approved Condominiums and PUDs
Up to 4 units
Not Allowed:
Co-ops
Rental or investment properties
Recreational, vacation or second homes
Who funds the grant money at closing?
Funding sends a Grant Request to NHF and they fund Grant funds.
Example shown below is for WA State:
1180 - FHA - NHF Platinum
1280 - VA - NHF Platinum
4468 - USDA/RD - NHF Platinum
2180 - MCM Conventional AND Standard Conventional available
2180 - MCM Conventional AND Standard Conventional available
VERY IMPORTANT:
Standard Conventional NHF loans offer a maximum grant of 3%
Minimum credit score for the Standard Conventional NHF product is 740
All other NHF products have a minimum credit score of 640.
NHF Platinum Website
NHF Platinum website at: http://www.nhfloan.org/index.html
Program Index
Lender Support
Online Reservation System
Find interest rates under reservation system (between 9am
– 4pm PST)
Contact information
NHF website “Program Index”
Within the “Program Index” link:
Click on the “NHF Platinum” Blue link
This blue link opens up another webpage
providing :
Program Term Sheet
Income Limits
Reservation Portal
Grant checklist
MCM product
matrix
Training
opportunities
NHF Platinum Website
NHF Platinum Product 1st mortgage.
Income Limits:
Click on the associated link that
correlates to the NHF product you are
Income limits by State
Income limits by County
Grant amounts:
FHA, VA and USDA
Select between a 0%, 3% or 5% grant
Each grant option comes with an
associated interest rate
Conventional (both Standard & MCM) FREE GRANT FOR DOWN PAYMENT IS SUCH AN AMAZING BENEFIT!
CALL NOW TO FIND OUT HOW
(949) 784-9699 C G BARBEAU
NMLS # 324982

Creating stain for wood flooring


I am doing this project on a strict budget. The insurance company wasn't fair.
The cost to buy the t molding, transition strips, oak pieces between marble kitchen
and entry and have it custom stained to match my warm matte wood was approximately
two thousand dollars. No way.
I went to Ganahl Lumber in Orange with my careful measurements and they sold me oak
and some pine pieces (some 15 feet long). Again I didn't want to spring for the delivery
cost so I wrapped them in blankets and red flags hanging out the back of my BMW X5
This was not a great idea and I do not recommend it. I drove home surface streets worried
the whole trip.

Because the wood type isn't an exact match with the floor and I want to make the
stain penetrate deeply into the moldings I used acrylic artist paints that I have
and coffee ( no sugar no cream) to thin the stain. I painted all sides of the strips
seven times and finally the color was deep into the center. After each  stain job I
allowed them to dry thoroughly.

Layering the stain color and correcting with each coat was a fun DIY job. I suggest
you begin light and work up to match your desired shade.








Did you know you can apply for a Homestyle Mortgage loan that can
finance new wood flooring? Refinance or purchase ask me how
949- 637- 8190 cell