Home Siding

I am working on replacing warped and damaged  bevel rabbeted siding on my home in San Marin
Standard Pacific built this tract in 1991 and some homes are Cape Cod style, with this thick wooden siding. My sister and brother in law replaced siding on their house in Beacon Hill and were able to purchase the pieces directly off the shelf at Home Depot on La Paz. Unfortunately Home Depot, Lowes, and even Laguna Lumber Ganhal Lumber does not stock my siding. I can order it online but the shipping cost, the set up cost to cut the rabbet edge and bevel is pricey. 

My research into siding reveals this as a complex problem. Reomodeling or even simple home repairs are not always as straight forward as you might think. 

I would like to find a company, lumber yard or woodworker that is local to Orange County that create the siding for me.

Definitions for Siding 
This is one of three posts

Aluminum Siding: Panels of aluminum with a baked on enamel finish, think of Tin Men directed by Barry Levinson.
Backerboard:  flat material fastened to the side of a house between the studs and siding to provide a surface to attach siding to -often composite or pressed board layers or cheaper material
Battens: Strips of wood placed over joints in wood siding to seal the joints.
Beveled: Panels that are tapered rather than cut rectangular the edges are angled
Buttlock: The bottom edge of a piece of  siding which locks into the previously installed panel.
Caulking: Material used to seal joints at intersections of different materials. Used with different types of siding to join the siding to pre-existing materials.
Channel: The area where siding and soffit panels are attached to the trim or corner post. Also refers to the trim itself, which is named for the letters of the alphabet they resemble (J-channel, F-channel, etc).
Checking: A split or crack that appears along the grain of wood siding.
Clapboard: Horizontal, overlapping wood planks.
Composition Board: Siding that is composed of weather resistant, compressed wood material, pieces of wood chips and sawdust combined in a glue solution (often has fumes)
Course: Each single row of siding.
Cupping: When a warp develops in wood plank siding.
Double Course: When an underlayer of shingles or shakes is covered by a new application of siding.
Face: The siding that is visible once it is installed.
Fascia: The exterior board that runs along the edge of a roof. The fascia creates a finished look by covering up the ends of the roof rafters.
Flashing: A layer of sheet metal used under siding on windows and doors to prevent water from penetrating the home.
Gable: The triangular end of a house that stretches between the eaves and the ridgeline of the roof.
Gable Vent: A vent placed in the gable of a home that increases air flow to the attic, thereby reducing heat and moisture buildup.
Lap: The overlapping of two siding panels to allow for expansion or contraction of the siding material.
Nailing Hem: The section of siding where the nail slots are located.
Overhang: The portion of the roof that extends beyond the walls of a home. The soffit or eave is the underside of an overhang.
Plywood Siding: Plywood siding that comes in grooved or decorative patterns.
Scoring: The process of running a sharp object, such as a utility knife, across a siding panel without cutting all the way through. The panel can then easily be broken off cleanly along the line of scoring.
Single Course: Wood shingles or shakes applied so each course is exposed to the elements.
Soffit: The underside space between the end of the roof and the side of a home, often vented to provide circulation to the attic.
Square: A measurement that equals 100 square feet of siding.
Stucco: A cement, sand and water finish to a home that is water resistant. Available in a variety of finishes and styles.
Tongue and Groove: A way of connecting materials, such as wood, in which the tongue of a board is placed into the groove of the board following it.
Vinyl Siding: Plastic siding that comes in a variety of colors and styles. his doesn't last forever as they advertise and melts in a fire     
Wall Sheathing:Sheets of plywood or wood planking used to cover the wall framework of the house.
Weep Holes: Openings cut into a siding material to provide for water runoff.
Weep screed: allows moisture to escape mechanism as part of the drainage system as required at the bottom of all framed walls; by all
Wood Plank Siding: Rectangular wood planks that can be installed either horizontally or vertically.
Wood shakes: Rough, thick, uneven shingles, either hand split or cut, that can be used as a siding material.

California, and American Real Estate Recovery

News media is honking about the real estate recovery. Actual statistical reports demonstrate that we are back on the road to healthy and out of the Third Great Depression.

LPS reports foreclosures down trend and drying up:

http://www.lpsvcs.com/LPSCorporateInformation/NewsRoom/Pages/20130423.aspx

MacArthur Foundation reports on housing in America:

http://www.macfound.org/press/press-releases/how-housing-matters-survey-finds-american-attitudes-transformed-housing-crisis-changes-lifestyle/


California is seeing 56% improvement in the lower in real estate and coastal areas.

Get out the fireworks!

Foreign National Mortgages California

 

 Foreign National Loan Program

The Foreign National Loan Program

Non-Resident and Non-U.S. Citizens borrowing in California.

 

This is suitable for example for Canadian Nationals who are purchasing investment property in the United States or may travel part of the year to warmer climates as a second home.

30-year fixed rate mortgage

 30% down payment required from borrower’s own checking or savings account with and must have 6 months reserves, reserves are not secured they are just viewed. Bank statements for the past 60 days, all pages are required

24 months of credit history

Income on foreign federal tax returns for the past 24 months are averaged. Income totals are converted into US dollars. Borrower provides signed copies of taxes, paystubs, and verification from employer

 Credit report must contain four (4) trade lines plus mortgage rating

International credit report required

Single family homes and condos allowed

Two forms of identification: passport, driver’s license etc

Borrowers with diplomatic immunity are ineligible

Borrowers may not have a Social Security number, they might only have a SIN number, or ID number

Property must be vested as real persons, for example: husband and wife as joint tenants or a single man or woman as sole and separate.

 

Mortgage borrowers sign and guarantee the promissory note.

 

Borrowers must qualify with income, investment properties not on tax returns are treated as debts without rental income.

Borrower will be notarized at a US Embassy, thumb printing is required

Other terms and conditions apply, call for information and quotes

Get pre-approved for a mortgage loan to purchase a beach house in Newport Beach, Laguna Beach,  Dana Point, San Clemente or where your dreams desire BEFORE you find the home.

newport beach san clemente dana point laguna beach laguna niguel huntington carm

Laguna Beach Charmer. I love the mint green walls and layered printed fabrics in this home

el santa barbara san diego carlsbad hillsborough goleta santa monica po carpenteria san luis obispo

Conventional Loans California

Conventional Loans in California

Curbside Appeal in Laguna Beach

A conventional loan is a loan that is not guaranteed or insured by the federal government under the Veterans Administration (VA) the Federal Housing Administration (FHA), or the Rural Housing Service (RHS) of the U.S. Department of Agriculture or USDA (we also do these kinds of loans)
Conforming Conventional Loan follows the guidelines and maximum loan amount of government sponsored enterprises (GSE’s) such as Fannie Mae or Freddie Mac. In simple language they are also sold to two companies owned by the United States Federal Government. Though the US government hopes to make these GSE's private or publicly traded entities again, making them turn a profit is another story. The rules of the GSE's are stricter for banks than for a mortgage banker like myself, these guidelines are called bank overlays


Features of a Conforming Conventional Loan:
• As low as 3% down payment for primary residence
• Financing available for second home & investment properties
• No first-time home buyer restrictions
• No mortgage insurance with 20% down payment, we also have 80 10+ 10
• No 90-day flip restrictions
Important information: Maximum loan $$417,000.00.in some areas, High Balance also available up to $ 625500 depending on the location of the subject property. In most or Orange County, for example Newport Beach, Laguna Beach, and Dana Point the loan amount is the High Balance maximum number.

Down payment requirements for primary residence 3%, second home 10%, investment 20% down – 25% down for 3 to 4 units. Gift funds are allowed on primary and second home (buyer must have 5% of own funds unless the gift is 20% or more). PMI (private mortgage insurance) required on all loans with less than 20% down. Maximum 10 financed properties. Seller contribution allowed 3% to 90% LTV / 6% 89.9% to 75% LTV / 9% 74.9% LTV
Talk to us about your lifetime financial goals. We can find the right loan for you. My number is (949) 784-9699 and you may call me from 7:00 AM to 7:00 PM
This is not a commitment to lend, This is not a rate commitment or rate quote. Terms and conditions change over time
NMLS# 324982  Caroline Gerardo WJ BRADLEY MORTGAGE CAPITAL LLC. Newport Beach California, 92660