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

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 

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