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