Nuestra aplicación en español le ofrece una solución rápida y fácil para solicitar un prestamo hipotecario. Proporciónenos por favor la siguiente información. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Información Personal | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Dirección Residencial | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Datos de la Propiedad | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Información Sobre el Ingreso | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Sometiendo los ingresos de pensión alimenticia, apoyo de hijos u otros ingresos separados es opcional si es que usted no desea utilizar estos ingresos para el propósito de calificar. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Activos | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
comenzando artículos que necesitamos, otros papeles pueden surgir si usted tuvo una bancarrota o está divorciado | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
w-2 formularios últimos dos años, declaraciones de impuestos del IRS más allá de dos años, extracto bancario todas las páginas, recibos de sueldo, si usted firmó por alguien que se muestra en su informe de crédito, |
2/08/2018
Solicitud de Hipoteca en Español para una Casa
Closing Disclosure Wait Periods
Navigating Closing Disclosure Wait Periods
for Mortgages
In the intricate process of acquiring a mortgage, there are several steps involved to safeguard the interests of both borrowers and lenders. One such measure is the implementation of closing disclosure wait periods. These mandated waiting periods are designed to provide borrowers with ample time to thoroughly review the mortgage terms and disclosures before committing to the loan.
Understanding Closing Disclosures
A closing disclosure, also known as a CD, is a detailed document that outlines the final terms and conditions of a mortgage loan. It serves as a crucial tool for borrowers to assess the costs associated with the loan, including interest rates, fees, and other charges.
Waiting Period Requirements
Under the federal Truth in Lending Act (TILA), lenders are required to provide borrowers with the closing disclosure at least three business days prior to closing. This waiting period is intended to give borrowers an opportunity to carefully review the document, ask questions, and seek clarification if necessary.
Exceptions to the Waiting Period
While the three-business-day waiting period is generally mandatory, there are certain exceptions in specific circumstances. For instance, borrowers may waive the waiting period if they demonstrate a bona fide personal financial emergency or if they have already received and reviewed the closing disclosure.
Implications for Borrowers
The closing disclosure wait period plays a vital role in protecting borrowers' rights and empowering them to make informed decisions about their mortgages. By carefully reviewing the disclosure, borrowers can identify any potential discrepancies or issues and address them before finalizing the loan.
Recommendations for Borrowers
To make the most of the closing disclosure wait period, borrowers are advised to follow these recommendations:
Review the disclosure diligently: Carefully read through the entire document, paying close attention to the loan terms, fees, and other charges.
Seek clarification if needed: Don't hesitate to contact your lender or mortgage broker if you have any questions or concerns about the disclosure.
Compare with other offers: Use the disclosure to compare the terms of your mortgage with offers from other lenders.
Consider seeking professional advice: If you feel overwhelmed by the financial aspects of the mortgage, consider consulting a financial advisor for guidance.
2/02/2018
Mortgage Interest Rate chart February 2017 to Current
Ten YEAR RATE CHART TELLS YOU
mortgage interest rates are rising
It is time to decide and not wait.
This is not awful terrible news, all things
balance in the big picture of time
Rate chart February 2017 to current today February 2, 2018
1/19/2018
Get YOUR Offer Accepted
- 1-4 Unit Single Family
- Primary residence, second Home and investment
properties
- 680 minimum FICO
- $500,000 minimum loan amount
- 55% max LTV
- U. S. Citizens only
There are Many Ways To Make Your Real Estate Offer Irresistible
There are Many Ways To Make Your Real Estate
Offer Irresistible
In a competitive real estate market, getting
your offer accepted can feel like winning the lottery. But with the right
approach and a bit of strategic planning, you can significantly increase your
chances of landing your dream home. Here are some key strategies to help you
make an irresistible offer:
You need to look financially strong.
·
Get
Pre-Approved from an Underwriter. A pre-approval letter showcases your
financial readiness and seriousness as a buyer. This gives the seller
confidence that you can secure financing and close the deal smoothly.
·
Consider a Cash
Offer: Offering to buy the property with cash can be highly appealing to
sellers, especially in competitive markets. It eliminates the risk of
financing falling through and simplifies the closing process.
·
Put Down a Larger
Earnest Money Deposit: A larger earnest money deposit signifies your
commitment to the purchase and demonstrates your financial resources. This
shows the seller you're serious about buying and gives them a sense of
security.
·
Minimize
Contingencies: Contingencies, such as the home inspection or
appraisal, are standard parts of the buying
process. However, minimizing them or offering flexible timelines can
make your offer more attractive.
·
Close Quickly: If
possible, offer to close on the house sooner than the standard
timeframe. This can be especially advantageous if the seller needs to move
quickly. Offer to close in seventeen days and allow seller to rent back for a week.
·
Do Your
Research: Understand the current market conditions and comparable
properties in the area. This helps you craft a competitive offer that is
fair and reflects the true value of the home.
·
Consider Offering
Above Asking Price: In a seller's market, going above asking price
might be necessary to stand out. However, determine your maximum
budget and don't overextend yourself financially. For this you may need extra cash to make up for an appraisal gap.
·
Get Creative with Your
Offer: Highlight any unique aspects of your offer that might appeal to the
seller, such as being flexible on closing dates or offering to purchase
some of their belongings if your agent thinks they are downsizing for example.
·
Work with an
Experienced Real Estate Agent: A skilled agent can guide you through the
offer process, negotiate on your behalf, and advocate for your
interests.
·
Express Your
Enthusiasm: Let the seller know how much you love the property and how
excited you are to become its new owner. Showing passion can
leave a positive impression.
·
Write a Personal
Letter to the Seller: Sharing your reasons for wanting the home and
expressing your appreciation for its unique features can create a personal
connection with the seller. This is often called a love letter.
·
Focus on Building
Rapport: Be courteous and kind throughout the
process. Maintaining a positive relationship with the seller can be
beneficial during negotiations.
·
Be Flexible and Open
to Negotiation: While it's important to stand your ground on key
points, be willing to compromise on certain aspects to reach an agreement.
·
Every market and
situation is unique. Adapt your approach based on the specific
circumstances and consult with your real estate agent for personalized advice. Your agent should know what the seller wants before you write.
·
Don't get discouraged
by setbacks. Persistence and a positive attitude can go a long way in
securing your dream home.
By following these strategies and tailoring
them to yo
1/18/2018
Grant Now a Lien For Three Years
|
|
|
1/16/2018
HORSE PROPERTY 2 UNITS
Sales price listed is $549,900.
Because the houses are manufactured not many lenders will entertain this loan.
Cannot go FHA or Fannie Mae or Freddie Mac
Twenty percent down payment needed and full documentation (qualify with tax returns)
Great opportunity to have Grandmother in second home or use second home to pay your
mortgage
Bombing the Creek Again
Letter regarding dynamiting in Silverado Canyon AGAIN
BOMBING the CREEK AGAIN
Who benefits from this?
Developers?
RMV?
After significant media coverage, meetings, letter writing campaigns, a petition and phone calls, our community thought we saved one of the two beloved swimming holes in Silverado Creek, Orange county California but the United States Forest Service just sent this notification indicating that they intend to use the same methods (military explosives in the creek) to destroy the remaining historic stone dam, which will destroy our last swimming hole, including sensitive wildlife habitat. The other swimming holes were destroyed last year during peak flow and mating season for California newts and other sensitive riparian species.
In May of 2017, a rare western pond turtle was reported to be found by a bicyclist in the national forest along Maple Springs Rd. Photos were taken of the turtle to positively identify the turtle. There is a risk of killing this turtle and potentially others because they hibernate underwater during several months in the winter. They cluster in the shallow end of the pond. A pond turtle will estivate during summer droughts by burying itself in soft bottom mud.
Forest Supervisor Will Metz, Biologist Kirsten Winter & District Ranger Darrell Vance are not interested in altering their project to address our concerns. They are not interested in the simple, cost effective option of leaving the remaining historic dam ruins in Silverado, Trabuco and San Juan Creeks to erode away naturally over the next few wet seasons. I have included the contact information of their supervisors below. The question remains, what are we, as tax-paying citizens, going to do to obligate our public servants to address our community's concerns?
1) Chief Tony Tooke - 800-832-1355, 201 14th Street, SW, Washington, DC 20024
2) Regional Forester Randy Moore, Pacific Southwest Region (R5) - 707-562-8737
Sincerely,
Joel Robinson
1/14/2018
Seed Catalogs
Southern Exposure Seed Exchange |
Seeds of Change |
Tomatoes photograph by Jonathan Otto |
Center of the Web
http://centerofthewebb.com/
rare and exotic seeds
Baker Creek by far the most beautiful picture packets.
though I usually say don't by picture packs they cost much more than trading seeds and you are paying for printing, catalog and packing BUT this is so gorgeous and the seed packs at you garden center will sing siren mermaid songs that will carry you through digging, bug squishing and harvest with joy
https://www.rareseeds.com/
http://cloudviewfarm.org/ephrata/
Arc Institute
https://heirloomseedkits.com/
heirloom seeds
http://heirloomseeds.com/
Goodwin Seeds
http://www.goodwincreekgardens.com/group.asp?grp=129
southern exposure
1/03/2018
Tax Reform Chart regarding mortgage interest
Tax Reform Law Chart:
Not great news for California high cost housing
Prior Law vs. New Law Provisions of Interest
Prior Law New Law Mortgage Interest Deduction Capped at $1,000,000 Capped at $750,000
State and Local Tax Deduction Unlimited The total of income, sales and property tax deductions is capped at $10,000
Capital Gains Exemption on Sale of Primary Residence Exclusion of up to $250,000 ($500,000 if married) of gain realized on sale or exchange of principal residence if lived in for 2 of last 5 years No change
1031 Like-Kind Exchanges Applied to all classes of property (e.g., personal and real) Limits non-recognition of gain to real property
Personal Deduction Allowed Eliminated Standard Deduction $6,350 individual and $12,700 if married $12,000 individual and $24,000 if married
MID for second Homes Capped at $1,000,000 Capped at $750,000
Home Equity Loan Deduction Capped at $100,000 Not deductible unless the proceeds are used to substantially improve the property
Moving Expense Exclusion and Deduction Deduction for moving expenses incurred in connection with change in work place Eliminated except for members of armed forces on active duty that move pursuant to military orders
Child Tax Credit $1,000 for each child $2,000 for each child Deduction for Qualified Business Income of Pass-Through Entities including independent contractors None 20% deduction of taxable income phased out above $157,000 ($315,000 if married) for brokerage services
Depreciation Recovery Period for Real Property (Residential Rental) Recovery period is 27.5 years No change
Depreciation Recovery Period for Real Property (nonresidential) Recovery period is 39 years No change Depreciation Recovery Period for Real Property (leasehold improvements) Recovery period is 15 years No change