By cmatting November 20, 2013
I am very impressed. I reached out to Ms. Feng Shui about a year ago when we were feeling stuck in life after moving into a new home. I had some personal and career issues that I needed help with. I had done a little research in Feng Shui when I was younger and I swear that making some minor changes in my home helped me find the love of my life and get on a solid career track.\r\n\r\nI found Jessie when doing a web search. Evidently, she does a lot of work with major home builders on new construction projects. She was local and the consultation fee seemed reasonable. She wasn't the cheapest and she wasn't the most expensive of the consultants I contacted. But, I could understand her (she speaks fluently-clear English) and didn't seem all mystical. She says that she lives near Irvine and provides consultations throughout Orange County, Los Angeles, San Diego, Riverside and San Bernardino.\r\n\r\nJessie had asked us about our goals and where we wanted to see improvements. She was able to take a look at our home and immediately see where Chi energy was getting stuck. She gave us some advice about moving items and especially cleaning out areas of our house of junk.\r\n\r\nWe had some issues with our house that we didn't realize when we bought the place. When Jessie explained the types of effects these issues can cause on our lives, everything made complete sense. For instance, we had our son in the love corner of our house, and the effect was that he was getting between us. Our stairway was too close to our front door, which made us feel like we had lost all of our luck.\r\n\r\nAside from the consultation fee, we barely spent any money. With her simple and straightforward guidance, we mostly just moved items around and filled in some areas with missing elements to improve the wealth, career, health and love areas of our home. We didn't have to hang a bunch of lanterns, candles and crystals all over the place. We just used items that fit with our decor.\r\n\r\nNow, a year later... I feel completely back on track. Work is going much better and I haven't felt this close to my wife since we moved in to the new house. I just wish that I had called her before we bought this place... it would have made things much easier. ...read more
By Laura321 June 16, 2013
I got help from the below site to know more about reverse mortgage, they are very helpful to me and may be helpful to others. http://www.reversemortgagelendersdirect.com/reverse-mortgage-rates/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-disadvantages/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-loan/ http://www.reversemortgagelendersdirect.com/california-reverse-mortgage/ ...read more
By justlin April 30, 2013
I found them online and spent quite a bit of time browsing their site - which was pretty good - and then called them. They explained to me that a reverse mortgage really wouldn't benefit my mom -- I was impressed at their honesty. http://www.reversemortgagelendersdirect.com/reverse-mortgages-pros-and-cons/ http://www.reversemortgagelendersdirect.com/reverse-mortgage-calculator/ http://www.reversemortgagelendersdirect.com/hecm-reverse-mortgage ...read more
HUD Announces: Program For Shorter Waiting Period after Bankruptcy, Foreclosure and Short Sale. The waiting period after a bankruptcy, foreclosure, or short sale has been reduced to just one year from the event! Program Requirements: *Purchase Transactions Only *Housing counseling must be completed 30 days prior to the loan application. *The bankruptcy, foreclosure of short sale MUST be related to the loss of job or 20% income reduction for at least 6 months. *Credit must have been satisfactory for a minimum of 12 months after the event. Oxford Capital / NMLS# 241661 / BRE# 00913605 ...read more
By Oxford Capital / NMLS# 241661 / BRE# 00913605 April 17, 2014
Posted on November 15, 2013 by Oxford Capital, A Branch of Sierra Pacific Mortgage Company NMLS 1778 Summer has been over and Fall is really here, temperatures are beginning to drop, and you’re dreading having to turn the heat on for the first time. Firing up the furnace can burn a hole in your pocket, but there’s something you can do about it. Consider these tips to help lower your heating bill.Replace Your Air FiltersGet new air filters for your central heating and cooling. The filters get clogged and it takes more and more energy to keep your house warm. Be sure to clear out any dust bunnies or cobwebs from behind the filter. Use a vacuum if necessary.Does Your Attic Need Insulation?Heat rises, and if your attic is not adequately insulated, then your central heating system will be stuck sending all your hot air (and your heating bill) straight through the roof. There are three options for attic insulation: roll on insulation, spray on insulation, or polyurethane foam. Roll on insulation is the best option for the do-it-yourselfers out there, but you might consider using polyurethane foam if you plan to turn that attic space into a bedroom.Caulk Up The WindowsCold air is constantly sneaking into your house through the cracks in your window. Use a temporary silicone caulk to seal up your windows during the winter. When you’re ready to open them up again in the spring, the silicone caulk will crack right off without damaging the paint.Wrap Your PipesWrapping your pipes will insulate them from the cold to prevent freezing, as well as saving you money on energy bills. Use a special insulation sleeve from the hardware store or do it the old fashioned way with heat tape. This is especially important if you have pipes in an crawlspace or basement that isn’t insulated.Let The Light InYou don’t have to buy special panels to take advantage of solar power. Open the curtains on south-facing windows, and heat up your house the natural way. With the sun’s help, you won’t need to bump your thermostat up as often.Be Smart With The ThermostatDon’t be afraid to turn your thermostat down a little bit. If you’re leaving the house for a while, bump it down a few degrees and give your system a rest. Try throwing an extra blanket on the bed and dropping a few degrees before bed. You’ll only see a difference on your bill. You might try a programmable thermostat as well!Now that it’s getting cold, you can finally make some hot chocolate and put on your brand new coat, but you shouldn’t have to wear it inside. With these easy tips you can learn to keep your house warm without having to crank up the thermostat. ...read more
By Oxford Capital / NMLS# 241661 / BRE# 00913605 November 15, 2013
Posted on November 14, 2013 by Oxford Capital, A Branch of Sierra Pacific Mortgage Company NMLS 1778 Refinancing a mortgage is a golden opportunity to lock in today’s low interest rate for the next 15 or 30 years. While interest rates now are still low, there’s a good chance they will be heading up in the coming months.The Fed won’t maintain the current bond purchasing level forever, and just as rates spiked in September when the Fed hinted the bond purchasing would change, rates will spike even more when purchasing levels actually do change.As interest rates remain very low for 30-year and 15-year mortgages, homeowners can benefit greatly from a refinance. Several types of people in particular should consider refinancing.Carrying A High RateAnyone with an interest rate well above today’s level should think about a refinance. Unless the homeowner is planning to sell within the next few years, a refinance will almost always save money in the long run if the rate can be lowered by at least a percent.Switching From FHA To ConventionalGiven that FHA mortgages now carry mortgage insurance premiums for the life of the loan, it makes a lot of sense for borrowers to switch away from them when they can. Refinancing may be possible once the homeowner has built up enough equity to qualify for a mortgage from a traditional lender, without the burden of mortgage insurance.ARM Coming Up On AdjustmentThe low rate of an adjustable rate mortgage sticks only for the first few years of the mortgage. After this point, the rate adjusts each year based on market trends.Rather than paying the adjusted rate, which is almost always higher, homeowners can refinance into a new fixed rate mortgage to lock in one of today’s low fixed rates for the duration of the mortgage.Cash Out To Consolidate DebtHomeowners carrying high-interest debt, like credit cards and personal loans, can often benefit from consolidating it into their mortgage. As long as they maintain at least 20 percent equity in their home, they can get a cash-out refinance for an amount higher than their current mortgage balance.They can then use the difference to pay off high-interest debt. For more information about refinancing your mortgage feel free to contact your trusted mortgage professional. ...read more
By Oxford Capital / NMLS# 241661 / BRE# 00913605 November 14, 2013
Real estate agents can only base success on the number of sales closed in a year. There is no award or money given for effort. Effort must produce results. Prospecting for new clients, especially new homes to list, is a must. The number of real estate listings an agent has is closely tied to his/her i... ...read more
In older neighborhoods you can easily find newer homes. For a lot of people this makes a great option; it allows you the charm and ambiance that a lot of newer neighborhoods lack with the innovation and solid construction of a new house. ...read more