Laguna Canyon Flood images- cleanup of mud, debris and what now?




Dig in and work.



The animal shelter appears devastated. No dogs or cats died in the flood, but they were actually swimming. Temporary quarters are being arranged and they are in need of donations of blankets, dog beds and toys. Call me if you can’t deliver I will pick up and drop off.









The marine Mammal center looks worse.

The best solution I can recommend is major fundraising to rebuild these structures on concrete piers, assuming another flood will happen in ten years. There are several contributing factors to the long term mess: 1. A variety of individuals and municipalities own the land and creek 2. It is a natural flood basin 3.Building of the 73 highway did not accommodate large enough catch basins for runoff and actually cause more spillage over the sides 4. Water goes where it wants to go.





Back of kennels- debris has been scraped.

Need Your Help VOTE on final cover

A:

or B:

Link for $25 off items not shipping at CSN

Twenty five dollar free gift certificate : “modern furniture” to http://www.allmodern.com/



CSN stores has some wonderful prices and selection on hardwood and stone flooring. Since you are most likely the same as myself, we can’t sell so be happy in your home there has been no better time in the past twenty years to complete home improvement projects.

At this time of year, when contractors are hungry for work I can recommend an excellent Flooring contractor: Terry Schleede (949) 433-3282

I purchased these barstools from CSN for less than $75 and saw them at Restoration Hardware for $ 198 X 2 = $396each and on Ballard Designs for $ 129 each =$259.
I promise you that just a little winter after Christmas sprucing up your Orange County Home will feel joyful and bring prosperity this New Year. God Bless and let us all plan for a profitable 2011!

Mortgage After Short Sale Foreclosure

FHA insured mortgages are generally available to borrowers whose property was foreclosed on or given a deed-in-lieu of foreclosure after a 3 year waiting period. However, if the foreclosure of the borrower’s main residence was the result of extenuating circumstances, which now includes a twenty percent year after foreclosure if you have since established good credit.

or more drop of income which is considered an “economic event” an exception may be granted. Call and find out if Caroline Gerardo can help you.  (949) 637-8190

Back To Work Program: You will need to show you had a job loss, serious illness that made you take off work, had to move locations for a job or catastrophe that caused you to get behind. You can’t just have stopped making payments because you didn’t want to pay on an upside down house.

Buy a home with a VA loan in just 2 years after foreclosure.

If you are a Veteran and have Certificate of Eligibility and DD214 you may qualify to purchase a new home in as little as 2 years after foreclosure or short sale.

BUYING A NEW HOME AFTER A SHORT SALE?

Can I Buy A Home Again After A Short Sale?

Millions of Americans suffered through short sales in the last few years. You may not need 20% down payment to go conventional

 It is important to get your credit back in line, as FICO score does drive the interest rates. Ask me about my free programs to help increase your FICO score.

The good news is that if you have short sold your house in the past, it is possible to get into a position to get a new loan in as little as only a few months after your short sale. If you did a short sale and had to pay anything to Fannie Mae in California you may be due a refund.

We have a down payment assistance fund that can give you 5% of the sales price as a gift to buy a home under $ 500000.00 in Southern California. This is coupled with a FHA loan.

You read that right: some loan programs allow you to get into a new mortgage loan in as little as 12 months after a short sale and you may not even need a down payment.

 

 

 

http://eaglehomemortgage.com/carolinegerardo/