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We assist our clients and throughout their purchase or sales transaction and offer financing for:

• Luxury Homes - Purchases and Refinance
• Private/Hard Money Loans
• FHA Programs Max DTI 57% - FICO 580-620 in some cases
• 1-4 unit Residential - Condos (in litigation ok)
• Commercial Loan Programs - Loans to 100 million - Farm/Agricultural - Apartment and Mixed Use
• Foreign National Program - Loans to 1 million - 50% LTV Max - L1 & L2 Visa's Ok.
• Purchase Program for Client's Stated Income Loans to 3 million and Full doc to 25 million
• Land Loans
• Business Loans
• HARP Open Access Refianance

Call us for detail. 949-510-1955

• Unlimited LTV, CLTV, and HCLTV
• No minimum credit score
• All occupancy is acceptable (OO, 2nd HM, NOO, 1-4 Units)

There will be a great help for people with underwater home values. We are ready to help. If your loan is currently with Freddie or Fannie you might have a chance to refinance under the New HARP program. You can get a 30 years fixed low rate. Give me a call for more information on this program

Now, This one is in Huntington Beach - A foreclosure property. A three bedroom and two bath single family home with 1270 sqft.  with updated pool and spa. The Open front and large drive way in this house is eye catching.

Cute, single level home on quiet street. Property has newly painted interior with berber-like neutral carpet. In addition to a formal living room, there is a family/dining area off the kitchen with a fireplace. The kitchen has oak cabinets & both the kitchen & family rm have wood laminate flooring. There is also a roomy indoor laundry room convenient to the kitchen with an outside door. Both of the bathrooms have been updated with granite counters & tile flooring. The back yard of this property features a beautiful pebble surfaced pool & spa with a waterfall from the spa into the pool. The property backs to a drainage canal, so very private with no neighbors behind. Property is conveniently located for an easy trip to the beach. The lay out is very accomodating and property shows very nice.

Directions Warner or Edinger west to Graham St. Located off Graham St.

Should you get a paint job or a new furnace? "There's no homeowner's manual that tells you when to do what," says Naperville, Ill., home inspector and structural engineer Mark Waldman.

Emergencies aside, the project that could cause the most damage and expense if left unfixed is the priority. Below, the order in which to tackle your biggest repair needs.

Wiring problems claim the No. 1 spot for good reason: They can lead to fires and electrocution. "That trumps everything," says Waldman.

Danger signs: Circuit breakers that trip frequently, lights that dim when you turn on the vacuum or outlets that are loose, hot, or accept only two-prong plugs.

How to check: Spend $300 to $500 for a licensed electrician to open up your main panel to look for trouble and to tighten any loose connections. He'll also spot-check switches, outlets and light fixtures to ensure that the wiring is in safe working order.

Replacement cost: $4,000 to $10,000 to rewire the house.

Prolong its life: Flip every circuit breaker off and on again once a year to prevent corrosion. Add new circuits ($100 to $500 each) to take the heaviest electrical loads, like window air conditioners, off the old wires.

Structural problems downstairs mean shifting and cracking upstairs -- at the very least -- so there's little point in doing other repairs until you've fixed the building's foundation.

Danger signs: Bowed or split beams, rotted posts, piles of sawdust (evidence of wood-boring insects), tiny mud trails (indications of termites), or large cracks in the masonry foundation -- especially if the cracks are horizontal, which tends to indicate a bigger problem.

How to check: A contractor will usually take a look free of charge. If he recommends significant repairs, hire a home inspection engineer (find one at nabie.org) to investigate ($350 to $500).

Replacement cost: Major foundation work can cost $3,500 to $8,000; new posts or beams could run $1,200 to $2,500.

Prolong its life: Water is the cause of cracked concrete, rotten timbers and wood-eating pests. So keep your basement dry by making sure the landscape slopes away from the house and maintaining the next two items on the list: the roof and gutters.

Water leaking into your home from above can lead to a host of pricey problems: rot, insects, electrical shorts and mold.

Danger signs: Dampness or stains on ceilings; curling, missing, or broken shingles; smooth spots where the granules have worn away; green algae growth.

How to check: Have a roofer inspect your home. This is typically free, but the pro, of course, is looking for business. So check the company's reputation at angieslist.com ($5 a month).

Replacement cost: $5,000 to $15,000

Prolong its life: Prune tree limbs so they're at least 10 feet from the roof to keep squirrels away and to let moisture evaporate quickly after storms. If shingles blow off, replace them immediately, and repair small leaks promptly.

Your gutters are just as important as the roof. The only reason they're lower on this list is that if you replace gutters first, they're likely to get damaged when you reroof later. So if you need a roof too, it's better to wait -- or do both projects at the same time.

Danger signs: Dented or disconnected gutters, pooled water around your home's foundation, or basement flooding near the downspouts.

How to check: Head outside during a rainstorm and watch the gutters in action, says Caitlin Corkins, stewardship manager for Historic New England, which maintains dozens of historic properties. "The best time to see clogs and overflows is when the system is working," she says.

Replacement cost: $1,500 to $3,000

Prolong its life: Hire a gutter company to clean, check, and repair your gutters ($100 to $200) at least once a year -- two or three times if you're in a wooded area. And have someone clear the eaves of deep snow to prevent icing, which can split open gutters or rip them right off the house.

"People think paint is just a decorative element, so they let it go," says Robert Niemeyer, a Winston-Salem, N.C., handyman, contractor, and electrician. But without a weather-tight seal, water can infiltrate the siding, causing rot and attracting wood-damaging insects. Still, leaks from a vertical surface generally aren't as quick or lethal as ones from a roof and gutter.

Danger signs: Paint that's peeling, cracking or blistering

Replacement cost: $4,000 to $10,000; make sure the painters replace loose putty around the window glass and caulking gaps around molding.

Prolong its life: Hire a pro to do touchups every year. Trim foliage so it's at least a foot from the house, and kill any mildew growth with a bleach-and-water solution.

An old heating or cooling system is costly to operate -- and the risk of a breakdown increases with age. But as long as your old furnace, boiler, or AC is operating safely, there's no rush to upgrade.

Danger signs: The system cycles on and off frequently to hold your thermostat setting; you spot corrosion on the vent pipe; the natural-gas flames are yellow or orange instead of pure blue.

How to check: Get a repair estimate: if it's more than a third of the replacement cost, spring for a new machine, says Indianapolis plumber Larry Howald.

Replacement cost: Typically $2,000 to $4,000 for a furnace (forced air); $4,000 to $8,000 for a boiler (hot water); $1,000 to $3,000 for a water heater; $6,000 to $10,000 for an air conditioner.

Prolong its life: Have your systems cleaned and tuned annually, including flushing the water heater to remove sludge, replacing all filters and lubricating any pumps.

read more: Money Magazine

- FHA - 600+ FICOS

- 95% LTV Conforming (Condo Included)

- No Fico CoBorrower ok FHA

The three bedrooms and three bath beautiful home offers over 1.665 sqft living space.Well kept, shows very well, open view, private balcony, nice location and more... came to market back in April 2011 and still sitting in the market. What is the matter?!

The property is a Short Sale and guess what? That is not a problem, the problem is that the listing agent has listed this unit long before it was ready to show. Keeping the property in the Market six months prior to be able to show is what kills the deal. Also having a tenant is another reason, since most of  times tenants don't want to be disturbed.

If this is similar to your situation and you would like to sell fast and get on with your life, this is what you need to discuss with your Agent.

1- Get your Short Sale papers ready with Agent help

2- Submit the Short Sale package to the bank before you list it

3- Almost immediately discuss your decision with your Tenant and see is they would cooperate. You maybe able to give them a little discount on their monthly rent while they are showing your property. This will motivate them to cooperate.

4- Once you receipt of your documents acknowledged with bank, you are ready to post it in MLS

5- The Most IMPORTANT key in selling your rental property in a timely manner is to make your tenant happy to work with you. It is very important that they keep the home clean and show worthy manner.

The forecast for California home sales next year is for a slight 1 percent increase to 496,200 units, following essentially flat sales of 491,100 homes this year compared to the 491,500 homes sold in 2010.

“Despite the run of unforeseen global events in the first half of this year that slowed the overall economy, 2011 home sales are projected to essentially remain unchanged from last year,” said C.A.R. President Beth L. Peerce. “Looking ahead, the fundamentals of the housing market – such as low mortgage rates, high housing affordability, and favorable home prices – are expected to continue, but at this point, a strong housing recovery will depend on consumer confidence, job creation, and the availability and cost of home loans.

“Discretionary sellers will play a larger role in next year’s housing market,” said Peerce. “Those who held off selling in 2011 may list their homes in 2012, thereby improving the mix of homes for sale compared with the last few years. Additionally, distressed sales will remain an important segment of the overall market as lenders continue to work through the foreclosure process.”

The California median home price will increase 1.7 percent in 2012 to $296,000 in 2012, according to the forecast. Following a double-digit increase in the median price in 2010, the median home price will decrease a projected 4 percent in 2011 to $291,000.

“2012 will be another transition year for the California housing market, as the continued uncertainty about the U.S. financial system, job growth, and the stability of the overall economy remain in the forefront for all market participants,” said C.A.R. Vice President and Chief Economist Leslie Appleton-Young. “An improvement in job growth, consumer spending, and corresponding gains in housing are essential to a broader recovery in the economy, but would-be buyers will remain cautious as they weigh these myriad uncertainties against the clear opportunities presented by today’s very affordable housing market.

“The most likely scenario is for the modest recovery to continue, and this should push sales up slightly next year by 1 percent and maintain levels that are significantly higher than those recorded during the depths of the housing downturn.

“The wild cards for 2012 are many, including federal, fiscal, monetary, and housing policies; the contentious political climate during an election year; and the strength of the U.S. economic recovery,” said Appleton-Young.

read more: car.org

The National Association of Realtors reported that the annual sales pace in December reached 4.6 million homes, up 5% from November's pace and 3.6% from a year ago.

It was the third straight month of improvement in the pace of sales. The fourth-quarter sales volume lifted full-year sales to 4.26 million homes, up 1.7% from 2010 levels.

"The pattern of home sales in recent months demonstrates a market in recovery," said Lawrence Yun, the group's chief economist. "Record low mortgage interest rates, job growth and bargain home prices are giving more consumers the confidence they need to enter the market."

Home prices, however, remained depressed, largely because distressed sales continue to make up a significant part of the market.

The median price was $164,500 in December, down 2.5% from a year ago. For the full year, the median price of $166,100 was off 3.9% from 2010 levels.

Realtors said foreclosed homes sold for an average discount of 22% below market value in December, compared to a 20% discount a year ago. Meanwhile, short sales, which are homes sold for less than the amount owed on a mortgage, sold for a 13% discount, compared to a 16% discount in December 2010.

Foreclosures made up 21% of all sales, while short sales were 12%. Both figures were comparable to 2010.

But even with the distressed properties on the market, the inventory of homes for sale has gotten tight.

Realtors calculate that at the current sales pace, there is only a 6.2 month supply of homes available for sale, the smallest since March 2005, before the housing bubble burst.

That was down from a 7.2-month supply in November and more than an 8-month supply a year ago, which is a "a notable decline," according to Troy Davig, an economist with Barclays Capital.

"The housing market appears to be making progress in terms of working through its excess inventory," said Davig in a note Friday.

Joseph LaVorgna, chief U.S. economist for Deutsche Bank, said the current conditions should lead to improved prices and sales in the near term.

Other encouraging signs include a survey of home builders that showed the most bullish view of current sales conditions and customer traffic in nearly five years. The government's report on home building is also showing improvement.

"Coming on the back of a dramatic improvement in homebuilders' sentiment, the latest existing-home sales report corroborates our thesis that a housing recovery has finally begun," LaVorgna wrote in a note.

By Chris Isidore@CNNMoney

It's no secret that most of California's housing markets have been in a prolonged slump. So, at the start of this new year, what would it take for housing to reverse course and enter a sustainable rally?

The answer involves economic,political,and social factors, all of which revolve around an end to the uncertainty that has characterized so much since the national housing crash began. With that in mind, here's a look at five areas in which predictability would make a difference;

1- DEMAND: Creation of good-quality jobs and a drop in the unemployment rate top off the list of factors that would help housing market recover, according to Mark Fleming, chief economist at CoreLogic, a real estate research firm in Santa Ana. " We need to find a way to give people a sense of certainty about their future income prospe:cts," Fleming syas. " You're not goint to buy a home if you fear you might not have an income to pay the mortgage."

2- SUPPLY: New home construction is barely a blip since builders have gone into hibernation. There's no reason,"says Richard Green, director of the Lusk School of Real Estate at the University of Southern California in Los Angeles, to build more houses without more demand. But bank foreclosures are a significant drag on housing markets. Many are listed for sale while others lurk in what's known as the "shadow inventory," a difficult to measure inventory of homes likely to be liquidated in the future. A sell-off distressed inventory would help move housing toward recovery. Yet fits and starts are likely even then since, as Green explains, "potentially, even a small uptick in prices will lead to a large flood of houses on the market again."

3- EQUITY:Approximately one-third of California homeowners who have a mortgage owe more on their lona-or loans- than their home is worth, according to CoreLogic data. That means millions of homeowners are "underwater" and can't sell their home without a short-sale approval from one or more lenders. The solution is to reduce those loan balances or at least give those homeowners some hope of equity in the future, says Green.  The need for a bailout is particularly acute in places that have been hardest hit by the housing downturn.  Green says, "Without principal reduction I just don't see that happening for a long, long time."

4- FINANCING: Tight financing also constrains demand. Sound underwriting is welcome, but delays in loan approvals deter both buyers and sellers, Green notes. Impatience leads buyers to give up. Frustration prompts sellers to settle for lower all-cash offers. " If it took three weeks, instead of three months, to make a decision on a loan, that would have a very positive influence on the market," he syas.

5-POLICY: What housing really needs is " a clear long-term housing policy," says Sean O'Toole, CEO of ForeclosureRadar.com in Discovery Bay. The federal mortgage interest tax deduction, Fannie Mae and Freddie Mac, and Prop. 13 have all been in play, creating uncertainty for real estate investors, home buyers, and homeowners, O'Toole explains. Uncertainties in foreclosures are part of the problem as well, O'Toole says. The simple acknowledgement that millions of properties are headed into foreclosure, a return to mark-to-market accounting that would force lenders to resolve their nonperforming assets, and more consistency in foreclosure procedures from state to state and lender to lender is what he wants to see, O'Toole says. The bottom line is that major change will be needed to spark a housing recovery. But all is not lost. Fleming syas people will continue to want to live in California and the state has ripped the Bank-Aid of housing's wounds relatively quickly compared with some other sates.

Read More:Marcie Geffner- CAR.org