2/03/2014

Extra Mortgage Tax Deduction


Qualify for a little more loan and get an extra tax credit
 

 

Birdhouse, succulents on South Laguna Beach patio


 CAROLINE GERARDO
Mortgage loan application here:

http://eaglehomemortgage.com/carolinegerardo/

 Newport Beach CA 92660
(949)784- 9699 
On a $400000. Loan a tax credit of $ 2000 is used as
$ 166.66 deduction on your debt to income ratio.
This credit is real cash on filing your Federal Tax return
for the life of the loan AND can bring down
your debt to income ratio to qualify.
Today many loan programs won’t
allow you to go above 43%
Debt to Income Ratio (DTI )
And this amount equals about $ 38000
of higher loan amount available
to a first time home borrower.
You cannot have filed a federal tax return
in the past 3 years with
mortgage interest deduction or real
Property tax deduction


 CAROLINE GERARDO
NMLS # 324982
Newport Beach CA 92660


On a $400000. Loan a tax credit of $ 2000 is
used as $ 166.66 deduction on your debt to income ratio.
This credit is real cash on filing your
Federal Tax return for the life of the loan AND can bring down
Your debt to income ratio to qualify.

Today many loan programs won’t allow you to go above 43%
Debt to Income Ratio (DTI )

And this amount equals about $ 38000 o
f higher loan amount available to a first time home borrower.

You cannot have filed a federal  tax return in the past
3 years with mortgage interest deduction or real
Property tax deduction

West Nine Condominiums


Sunflower birdhouse
 


The West Nine condo complex was built  by AVCO in 1971 before Laguna Niguel was an incorporated city. Laguna Niguel became a city in 1989, back then Crown Valley Parkway was the only freeway off ramp and most of the hillsides were grasslands overlooking beaches. Located on Crown Valley Parkway between Clubhouse Drive and Camino Del Avion The West Nine is a safe complex to relax and call home. The City of Laguna Niguel has just over sixty thousand residents.

This well maintained complex has large detached garages placed on the Crown Valley side many units have lovely golf course views. The garages on the street side buffer road noise. Trash facilities are also in enclosed buildings street side. El Niguel golf course below has several ponds and fountains where home owners can watch migrating snow geese, ducks and local song birds. The There are two rows of two story condominiums. The buildings are in rows of six, or eight, allowing sets of twelve or sixteen units. The builder was careful to angle the rows as to allow the back sets to be five feet above the front row and breaks in between the structures allow peek a boo views. There are a few single story units in the front.
There are no pool or tennis facilities owned by West nine, as newer condominium complexes added these amenities. El Niguel Racquet Club has great tennis courts, an Olympic sized lap pool and extensive weight rooms that a homeowner could join (and pay for) adjacent to the property. Owners are also able to join El Niguel Country Club and Golf Course, nestled between Laguna Beach and Dana Point, on the border of Monarch Beach and Laguna Niguel

 Home Owners Association fees $ 380. Monthly

This home is also located close to the St. Regis Hotel and the Ritz Carlton and within one mile of beautiful beaches Salt Creek Beach, fine dining and dancing at Brio,  a close by Trader Joe’s on Golden Lantern,  luxury Cinepolis theater on nearby Camino Del  Avion cross street.

Blue diamond schools with active PTA and small classroom size.
Nearby Hiking: Woods Canyon,  Aliso Canyon, Top of the World Park, and Badlands Canyon to name a few.

 Current listings:
31496 West Nine Drive #161 Square Ft: 1700 Bedrooms: 3 Bathrooms: 2 Price: $529,000 Zip 92677

31687 West Nine Drive Square Ft: 1044 Bedrooms: 2 Bathrooms: 2 Price: $435,000 Zip 92677

31422 West Nine Drive Square Ft: 1044 Lot Bedrooms: 2 Bathrooms: 2.00 Price: LEASE / rents monthly $2,100 Zip 92677

31705 West NINE Drive  Bank owned was listed for $ 398000 is pending sale








UPSIDES OF this complex:
Purchase with FHA loan and up to $ 20000 gift is available to owner occupied buyers.

Prices range from $  390000- $490000

Quiet, the units are solidly built you can’t hear neighbors, many have replaced and added dual pane windows

Easy access to freeway – Laguna Beach- Dana Point

Plenty of parking

 

Downsides of this complex:

$380 is pretty high HOA

Management Company has not updated FHA paperwork

No crosswalks on Crown Valley towards the beach

 

1/30/2014

Foreign National Mortgage Loans


Laguna Beach window

 

FOREIGN NATIONAL MORTGAGE PROGRAM

An intricate part of providing a comprehensive

portfolio product line is offering mortgage loans

to Canadians, Europeans, Australians and anyone from

a country of residence that is not OLFAC restricted.

These transactions can be complex and require

a Borrower to organize documentation in pdf

formats to be able to easily supply information.

My experienced underwriting and processing teams

will assist you, on a loan by loan basis, through the steps to

acquire the appropriate documentation.

 

FOREIGN NATIONALS

•The borrower is not required to have a Social Security

number, Green Card or visa.

•No FICO score is required. We will accept foreign

credit reports to demonstrate credit worthiness or

satisfactory alternate credit, from country of origin.

•Second Home: 60% LTV to 2 million, 55% LTV to

$3 million, and 50% LTV to $5 million.

•Interest only is available.

•Income documentation is required.

•IF Borrowers have time, they can establish a FICO score

  By opening secured cards

•If the documentation is in a foreign language, it needs

•A valid passport and a second form of ID is required.

•Loan amounts up to $5,000,000. We will consider

loan amounts over $5,000,000 on a case by case basis.

If the borrower has a Green Card or Visa: 70% LTV to $1 million.

DIFFERENCE

•We specialize in Jumbo ARMs

•Portfolio Lender

•Expanded Guidelines: Loan amounts to $5,000,000

•Exception Lending: Simple process and quick turn-around

 





外籍人士按揭計劃


提供全面的複雜的一部分


組合產品線,提供按揭貸款


加拿大人,歐洲人,澳大利亞人和任何人


居住的國家,是不是OLFAC限制。


這些交易可能會非常複雜,需要


借款人來組織文檔的pdf


格式可以輕鬆地提供信息。


我的經驗豐富的承保和加工團隊


會協助您,在貸款按貸款的基礎上,通過步驟


獲取相應的文檔。






外國公民


•不要求借款人有一個社會保障


數,綠卡或簽證。


•無需FICO評分。我們將接受外國


信用報告,以證明信用或


滿意備用信貸,從原籍國。


•第二個家: 60 %按揭成數至200萬, 55 %為按揭成數


300萬美元和50 %按揭成數至5萬美元。


•唯一的興趣是可用的。


•需要收入證明文件。


•如果借款人有時間,他們可以建立一個FICO評分



打開固定卡


•如果文件是外文的,它需要


•有效的護照和ID的第二種形式是必要的。


•貸款金額高達500萬美元。我們會考慮


貸款按個別金額超過對案件500萬美元。


如果借款人有綠卡或簽證: 70 %按揭成數至100萬美元。


差異


•我們專注於ARM的珍寶


•貸款人組合


•擴展的準則:貸款金額500萬美元


•例外貸款:工藝簡單,快速的周轉
Lā gǔ nà hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn xiàn, tígōng ànjiē dàikuǎn



Jiānádà rén, ōuzhōu rén, àodàlìyǎ rén hé rènhé rén



Jūzhù de guójiā, shì bùshì OLFAC xiànzhì.



Zhèxiē jiāoyì kěnéng huì fēicháng fùzá, xūyào



Jièkuǎn rén lái zǔzhī wéndàng de pdf



Géshì kěyǐ qīngsōng de tígōng xìnxī.



Wǒ de jīngyàn fēngfù de chéngbǎo hé jiāgōng tuánduì



Huì xiézhù nín, zài dàikuǎn àn dàikuǎn de jīchǔ shàng, tōngguò bùzhòu



Huòqǔ xiāngyìng de wéndàng.







Wàiguó gōngmín



•Bù yāoqiú jièkuǎn rén yǒu yīgè shèhuì bǎozhàng



Shù, lǜkǎ huò qiānzhèng.



•Wúxū FICO píngfēn. Wǒmen jiāng jiēshòu wàiguó



Xìnyòng bàogào, yǐ zhèngmíng xìnyòng huò



Mǎnyì bèiyòng xìndài, cóng yuánjí guó.



•Dì èr gè jiā: 60%Ànjiē chéngshù zhì 200 wàn, 55%wèi ànjiē chéngshù



300 Wàn měiyuán hé 50%ànjiē chéngshù zhì 5 wàn měiyuán.



•Wéiyī de xìngqù shì kěyòng de.



•Xūyào shōurù zhèngmíng wénjiàn.



•Rúguǒ jièkuǎn rén yǒu shíjiān, tāmen kěyǐ jiànlì yīgè FICO píngfēn



Dǎkāi gùdìng kǎ



•Rúguǒ wénjiàn shì wàiwén de, tā xūyào



•Yǒuxiào de hùzhào hé ID de dì èr zhǒng xíngshì shì bìyào de.



•Dàikuǎn jīn'é gāodá 500 wàn měiyuán. Wǒmen huì kǎolǜ



Dàikuǎn àn gèbié jīn'é chāoguò duì ànjiàn 500 wàn měiyuán.



Rúguǒ jièkuǎn rén yǒu lǜkǎ huò qiānzhèng: 70%Ànjiē chéngshù zhì 100 wàn měiyuán.



Chāyì



•Wǒmen zhuānzhù yú ARM de zhēnbǎo



•Dàikuǎn rén zǔhé



•Kuòzhǎn de zhǔnzé: Dàikuǎn jīn'é 500 wàn měiyuán



•Lìwài dàikuǎn: Gōngyì jiǎndān, kuàisù de zhōuzhuǎn
 
외국인 모기지 프로그램


포괄적 를 제공하는복잡한 부분


포트폴리오 의 제품 라인은 주택 담보 대출 을 제공하고 있습니다


캐나다 , 유럽 , 호주 및 사람 에서 에


거주국가가 OLFAC 제한 되지 않도록 .


이러한 거래는 복잡 하고 필요할 수 있습니다


PDF 로 문서를 구성하는 차주


형식은 정보를 쉽게 제공 할 수 있습니다.


내 경험이 풍부한 보험 처리 팀


하는 단계 , 대출 기준 에 의한 대출 에 도움을 줄 것입니다


해당 문서 를 획득 .






외국인


•대출 은 사회 보장 에게 해야 할 필요가 없습니다


수 , 그린 카드 또는 비자 .


• 어떤 FICO 점수 가 필요하지 않습니다. 우리는 외국 을 받아 들일 것이다


신용도 나 방법을 설명하기 위해 신용 보고서


원산지 에서 만족 대체 신용 .


• 두 번째 홈 : 60 % LTV 만 55 % LTV 에 2


3백만달러 , 50 % LTV 에 5백만달러 .


• 이자 에만 사용할 수 있습니다.


• 소득 서류 가 필요합니다.


• 차용자 시간이 있으면 , 그들은 FICO 점수를 설정할 수 있습니다



보안 카드를 열어


문서 가 외국어 인 경우 • , 그것은 필요


•유효한 여권 및 ID 의 두 번째 양식 이 필요합니다.


• 대출 5백만달러 까지 도달한다 . 우리는 고려할 것


대출 은 케이스 바이 케이스 에 5,000,000 달러 금액 .


1 백만 달러 70 % LTV : 차주는그린 카드 또는 비자 가있는 경우 .


DIFFERENCE


• 우리는 엄청나게 큰 무기 전문


• 포트폴리오 대출


• 확장 지침 : 대출 금액 5,000,000달러 에


• 예외 대여 : 간단한 프로세스와 빠른 턴 어라운드



















外籍 人士 按揭 计划


提供 全面 的 复杂 的 一部分


组合 产品 线,提供 按揭 贷款


加拿大人,欧洲人,澳大利亚人 和 任何 人


居住 的 国家,是OLFAC限制 不是.


这些 交易 可能 会 非常 复杂,需要


借款 人 来 组织 文档 的PDF


格式 可以 轻松 地 提供 信息.


我 的 经验 丰富 的 承保 和 加工 团队


会 协助 您,在 贷款 按 贷款 的 基础 上,通过 步骤


获取 相应 的 文档.






外国 公民


• 不 要求 借款 人 有 一个 社会 保障


数,绿卡 或 签证.


• 无需FICO评分.我们 将 接受 外国


信用 报告,以 证明 信用 或


满意 备用 信贷,从 原籍 国.


• 第二 个 家: 60 %按揭 成 数 至200万, 55 %为 按揭 成 数


300万 美元 和50 %按揭 成 数 至5万 美元.


• 唯一 的 兴趣 是 可用 的.


• 需要 收入 证明 文件.


• 如果 借款 人 有 时间,他们 可以 建立 一个FICO评分


打开 固定 卡


• 如果 文件 是 外文 的,它 需要


• 有效 的 护照 和ID的 第二种 形式 是 必要 的.


• 贷款 金额 高达500万 美元.我们 会 考虑


贷款 按 个别 金额 超过 对 案件500万의美元.


借款 人 有 绿卡 或 签证 如果: 70 %按揭 成 数 至100万 美元.


差异


• 我们 专注 于ARM 의的 珍宝


• 贷款 人 组合


• 扩展 的 准则:贷款 金额500万 美元


• 例外 贷款:工艺 简单,快速 的 周转







편집을 취소취소













이 번역 은 원본보다 더 나은 무엇입니까?네, 번역 제출
제출 주셔서 감사합니다.
라 gǔ 나 hǎitān chuāngkǒu







Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn 데 fùzá 데 yībùfèn



Zǔhé chǎnpǐn 시안 (西安) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu 렌 , àodàlìyǎ 르네 그는 RENHE REN



Jūzhù 데 guójiā , 시 부시 OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng 후이 fēicháng fùzá , xūyào



Jièkuǎn 렌 라이 zǔzhī wéndàng 데 PDF



기 GeSHi kěyǐ qīngsōng 데 tígōng xìnxī .



Wǒ 데 jīngyàn fēngfù 데 chéngbǎo 그는 jiāgōng tuánduì



HUI xiézhù NIN , 자이 dàikuǎndàikuǎn 데 jīchǔ 상 , tōngguò bùzhòu



Huòqǔ 위 Xiangying 데 wéndàng .






Wàiguó 공민왕



• BU yāoqiú jièkuǎn 렌 yǒu yīgè shèhuì bǎozhàng



슈 lǜkǎ Huo의 qiānzhèng .



• Wúxū FICO 의 píngfēn . Wǒmen 지앙 jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huo의



Mǎnyì bèiyòng xìndài , 콩 yuánjí 구오 .



• 디 어 GE 지아 : 60 % Ànjiē chéngshù 다우 200 WAN , 55 % 웨이 ànjiē chéngshù



300 완 메이 위안 그는 50 % ànjiē chéngshù 다우 5 완 메이 위안 .



• 웨이이 데 xìngqù 시 kěyòng 데 .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO 의 píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn 시 wàiwén 데 , 조교 xūyào



• Yǒuxiào 데 hùzhào 그는 ID 드 디 어 zhǒng xíngshì 시 bìyào 데 .



• Dàikuǎn jīn'é gāodá 500 완 메이 위안 . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò 음주 운전 ànjiàn 500 완 메이 위안 .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huo의 qiānzhèng : 70 % Ànjiē chéngshù 다우 100 완 메이 위안 .



Chāyì



• Wǒmen zhuānzhù 유 ARM 드 zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn 데 zhǔnzé : Dàikuǎn jīn'é 500 완 메이 위안



• Lìwài dàikuǎn : 궁이 의 jiǎndān , kuàisù 데 zhōuzhuǎn
laguna bichi ui chang








oegug-in mogiji peulogeulaem



pogwaljeog leul jegonghaneunbogjabhan bubun



poteupollio ui jepum lain-eun jutaeg dambo daechul eul jegonghago issseubnida



kaenada , yuleob , hoju mich salam eseo e



geojuguggaga OLFAC jehan doeji anhdolog .



ileohan geolaeneun bogjab hago pil-yohal su issseubnida



PDF lo munseoleul guseonghaneun chaju



hyeongsig-eun jeongboleul swibge jegong hal su issseubnida.



nae gyeongheom-i pungbuhan boheom cheoli tim



haneun dangye , daechul gijun e uihan daechul e doum-eul jul geos-ibnida



haedang munseo leul hoegdeug .







oegug-in



•daechul eun sahoe bojang ege haeya hal pil-yoga eobs-seubnida



su , geulin kadeu ttoneun bija .



• eotteon FICO jeomsu ga pil-yohaji anhseubnida. ulineun oegug eul bad-a deul-il geos-ida



sin-yongdo na bangbeob-eul seolmyeonghagi wihae sin-yong bogoseo



wonsanji eseo manjog daeche sin-yong .



• du beonjjae hom : 60 % LTV man 55 % LTV e 2



3baegmandalleo , 50 % LTV e 5baegmandalleo .



• ija eman sayonghal su issseubnida.



• sodeug seolyu ga pil-yohabnida.



• chayongja sigan-i iss-eumyeon , geudeul-eun FICO jeomsuleul seoljeonghal su issseubnida



boan kadeuleul yeol-eo



munseo ga oegug-eo in gyeong-u • , geugeos-eun pil-yo



•yuhyohan yeogwon mich ID ui du beonjjae yangsig i pil-yohabnida.



• daechul 5baegmandalleo kkaji dodalhanda . ulineun golyeohal geos



daechul eun keiseu bai keiseu e 5,000,000 dalleo geum-aeg .



1 baegman dalleo 70 % LTV : chajuneungeulin kadeu ttoneun bija gaissneun gyeong-u .



DIFFERENCE



• ulineun eomcheongnage keun mugi jeonmun



• poteupollio daechul



• hwagjang jichim : daechul geum-aeg 5,000,000dalleo e



• ye-oe daeyeo : gandanhan peuloseseuwa ppaleun teon eolaundeu




















oejeog insa ange jì huà



jegong jeonmyeon jeog fù zá jeog ilbubun



zǔhab chǎnpum xiàn,jegong ange dàigwan



ganadaein, ōuju-in,odaeli yàin hwa imha in



geoju jeog guóga,siOLFAChanje busi.



zhèsa gyoyeog ganeung huì bisang fù zá,suyo



chagwan in lái zǔ zhī mun dàng jeogPDF



gyeogsig gai qīngsong ji jegong sinsig.



a jeog jīng yàn bongbu jeog seungbo hwa gagong tuán duì



huì xiéjo nín,jae dàigwan an dàigwan jeog gi chǔ sang,tong guò bo zhòu



huòchwi sang yīng jeog mun dàng.







oe guó gongmin



• bu yogu chagwan in yu il gè sa huì bojang



shù, lǜjab hog qiān zhèng.



• musuFICO píngbun.a men jiāng jeobsu oe guó



sin-yong bàogo,i zhèngmyeong sin-yong hog



mǎnui bèiyong sin dài, cóng wonjeog guó.



• jei gè ga: 60 %ange seong shù ji200man, 55 %wèi ange seong shù



300man miwon hwa50 %ange seong shù ji5man miwon.



• yuil jeog xìngchwi si gayong jeog.



• suyo su-ib zhèngmyeong mungeon.



• yeogwa chagwan in yu shí jiān,ta men gai geonlib il gèFICO píngbun



ta kāi gojeong jab



• yeogwa mungeon si oemun jeog, tā suyo



• yuhyo jeog hùjo hwaIDjeog jei zhǒng hyeongsig si pil-yo jeog.



• dàigwan geum é go dá500man miwon.a men huì go lǜ



dàigwan an gè bié geum é cho guò duì angeon500man-uimiwon.



chagwan in yu lǜjab hog qiān zhèng yeogwa: 70 %ange seong shù ji100man miwon.



cha yì



• a men zhuānju uARM uijeog jin bǎo



• dàigwan in zǔhab



• kuòjeon jeog jun zé: dàigwan geum é500man miwon



• lye-oe dàigwan:gong yì jiǎn dān,kwaesog jeog ju zhuǎn








pyeonjib-eul chwiso
chwiso














i beon-yeog eun wonbonboda deo na-eun mueos-ibnikka?
ne, beon-yeog jechul

jechul jusyeoseo gamsahabnida.

la gǔ na hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn sian (seoan) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu len , àodàlìyǎ leune geuneun RENHE REN



Jūzhù de guójiā , si busi OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng hu-i fēicháng fùzá , xūyào



Jièkuǎn len lai zǔzhī wéndàng de PDF



gi GeSHi kěyǐ qīngsōng de tígōng xìnxī .



Wǒ de jīngyàn fēngfù de chéngbǎo geuneun jiāgōng tuánduì



HUI xiézhù NIN , jai dàikuǎndàikuǎn de jīchǔ sang , tōngguò bùzhòu



Huòqǔ wi Xiangying de wéndàng .







Wàiguó gongmin-wang



• BU yāoqiú jièkuǎn len yǒu yīgè shèhuì bǎozhàng



syu lǜkǎ Huoui qiānzhèng .



• Wúxū FICO ui píngfēn . Wǒmen jiang jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huoui



Mǎnyì bèiyòng xìndài , kong yuánjí guo .



• di eo GE jia : 60 % Ànjiē chéngshù dau 200 WAN , 55 % wei ànjiē chéngshù



300 wan mei wian geuneun 50 % ànjiē chéngshù dau 5 wan mei wian .



• weii de xìngqù si kěyòng de .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO ui píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn si wàiwén de , jogyo xūyào



• Yǒuxiào de hùzhào geuneun ID deu di eo zhǒng xíngshì si bìyào de .



• Dàikuǎn jīn'é gāodá 500 wan mei wian . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò eumju unjeon ànjiàn 500 wan mei wian .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huoui qiānzhèng : 70 % Ànjiē chéngshù dau 100 wan mei wian .



Chāyì



• Wǒmen zhuānzhù yu ARM deu zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn de zhǔnzé : Dàikuǎn jīn'é 500 wan mei wian



• Lìwài dàikuǎn : gung-i ui jiǎndān , kuàisù de zhōuzhuǎn
 

1/28/2014

Mortgage Loans California

Mortgage Loan Products Available
FHA, VA, USDA, Jumbo, Niche, Foreign National Loans, California,
Call for information

Low Rates, Fast Service,