Items required for a home loan

Important Documents Your Lender Will Need From You.  Yea. It’s a crazy list!

Using this list of key documents, gather all the materials into one online folder so that you’re never scrambling to find the right paperwork.  We suggest dropbox or google drive.

  • Copy of your driver’s license or passport
  • Proof of regular rental or housing payments
  • Copies of your two most recent paycheck stubs
  • Copies of your W-2’s from the past two years
  • Copies of your federal tax returns with all schedules for the past two years – state not needed

 

Are you self-employed?

  • A statement of year-to-date profit-and-loss for the business
  • Copy of any corporate tax returns and K-1’s for the past 2 years

 

Proof of assets:

  • Copy of all current IRA statements, stock and bond accounts, or any other retirement or investment accounts for the past 2 years
  • Copy of current bank statements for each account for the past 2 months
  • Documents on the value of personal property like automobiles
  • Forms showing the face amount and value of life insurance policies
  • Copy of lease agreement for all rental properties
  • Copy of any student loan deferment letter or agreement reflecting the monthly payment

 

Additional documents you may need:

  • If you are divorced, a copy of the final divorce decree
  • If you have filed for bankruptcy, the complete bankruptcy paperwork including discharge paperwork
  • If you are an active veteran, a statement of service, DD-214, and Certificate of Eligibility

 

Shopping Your Loan? Here are some good questions to ask…

Print out the following list and keep it on-hand as you start shopping for your home loan. Meeting with loan officers can be overwhelming — this way you won’t forget to ask important questions.

  • Is the mortgage fixed or variable?
  • If the loan is fixed, what is the interest rate or annual percentage rate (APR) of the loan?
  • If the loan is variable, when does the rate change? And how is the rate change determined?
  • How long are quoted interest rates good for?
  • Is the Good Faith Estimate guaranteed?
  • What are the escrow requirements for taxes and insurance?
  • Is there a penalty for paying off the loan early?
  • Do you allow extra principal payments?
  • How long do funds, say for a down payment, need to be in my bank account before closing?
  • What are all the closing costs? Will you provide a written list?
  • Are any of the costs or fees negotiable, or capable of being waived?
  • Which financial firm will service the loan?
  • How long does the funding process usually take? Are on-time closings guaranteed?
  • What changes, such as employment changes, should I avoid before the loan closes?

 

For questions or comments please contact Allycyn Bennett with United American Mortgage Company at 949-717-7290 or Abennett@uamco.com

To find out the current value of your home please visit http://GetMyHomeWorth.com

Items Needed For A Loan

12 Unique Housewarming Gifts for the Holiday Season

It’s the holiday season and we can’t wait to taste that juicy Thanksgiving turkey roasting in the oven! Many families start their holiday festivities soon after Halloween, with beautiful lighting up and down the streets of our community, and the smell of fresh fir and cinnamon sticks filling our homes. We love this time of year, can’t you tell?

Whether you will be attending a holiday party hosted by your company, family member, or some close friends, here is a list of noteworthy housewarming gifts that will grace any home!

Techies 

Like themiPhone 6 dock – Yet another way to organize their gadgets! Except this time, this little dock will be dedicated to their everyday necessities; iPhone, watch, wallet, and other accessories.!

Love themPhotojojo Lens Series – Every techie will have either an iPhone or an Android… or both! Give your host the chance to gear up that already awesome camera and let their inner photographer shine!

In love with themJawbone Big Jambox – The best Bluetooth wireless speaker, a staple on every techie’s (or non-techie’s!) desk. With precision-tuned drivers, dual passive bass radiators, and multi-band compressors working in concert, your eyes won’t believe your ears.

Athletes 

Like themMedley in the Meadow Speaker Blanket – Warm, easy to pack, and plays music! Need we say more?

Love themNature Box Subscription – What’s better than an ordinary gift? A gift that keeps coming… every month! Athletes are always looking for healthy snacks to munch on in between meals. Nature Box sends its subscribers 5 full-sized packages of great tasting nutritionist-approved snacks. Choose from a month-to-month, 3 months, 6 months, or 12-month subscription.

In love with themThe Dash Wireless Earphones – Athletes, get ready to say goodbye to your phone. These perfect wireless earphones are integrated with 4GB storage allowing its owner to carry up to 1000 songs in his/her ears. The Dash is also a microphone, Bluetooth headset, fitness tracker, heart rate monitor, and best of all, waterproof. Say goodbye to the days of tangle interfering headphones and music players, and hello to a truly hands-free workout!

Culinary Enthusiast 

Like themRock Glass – Someone who nearly lives in the kitchen may already have all tools they need for all of their secret recipes. Why not grab two sets of these to give their bar section a little boost? 

Love themCuisine R-Evolution Molecular Gastronomy Kit – For experienced culinary lovers, watch the video, enough said.

In love with themNespresso Pixi Aluminium – approved by the pickiest of espresso palates (me included)! Espresso from this machine never tastes watered down, with plenty of flavors to choose from. Will be treasured by any culinary household, guaranteed.

World Traveler 

Like themCelestial Coaster Set – World travelers often times bring home carefully selected pieces from the different countries and cultures they have visited. Once home how nice would it be to kick back, relax, and enjoy drinks with these beautiful coasters?

Love themSelk’bag Marvel Collection Wearable Sleeping Bag – Now not every world travel may be a backpacker, but how awesome are these? When the comfort of a onesie meets your favorite defenders of humanity from arguably the best comic book university- we’re almost sure you’ll never set eyes on another sleeping bag again!

In love with them: GoPro HERO 4 – You’ll have to really love them to get this for your host because it will cost you a pretty penny. A GoPro camera has all the capabilities of a hi-res camera plus so much more… A must for any world traveler!

Obviously, these gifts aren’t only for the Techies, Athletes, Culinary Enthusiasts, and World Travelers! If you have a special host to surprise, it might be a great idea to split the pricier gifts among a group who may also be going to the event. Which one of these gifts would you love to receive?

Zinnia and Caserta Offer Homebuyers Early 2015 Move-In Options or Customization Opportunities

via California Pacific Homes

IRVINE, CA–(Marketwired – Nov 6, 2014)- California Pacific Homes presents two opportunities for an extraordinary Irvine address at Zinnia and Caserta attached-home neighborhoods in Cypress Village. Zinnia’s townhomes and Caserta’s townhomes and flats feature a variety of innovative floorplans to suit the lifestyles of today’s buyers. With designer-upgraded homes ready for early 2015 move-ins or the opportunity to choose your own custom finishes on homes ready for move-in later in the New Year, buyers are encouraged to tour today and explore the neighborhoods’ convenient location just steps from resort-style recreation and top-rated Irvine schools. To stay informed on neighborhood updates and new phase releases, join the appropriate Interest Registry at www.CalPacificHomes.com.

“Zinnia and Caserta offer buyers a lifestyle of distinction — and that’s a quality not often found in a townhome,” said Leslie Stillman, Vice President, Sales & Marketing and Design Center for California Pacific Homes. “From the architectural styles to a vibrant, walkable location, buyers recognize just how exceptional these neighborhoods are.”

Zinnia’s townhome designs offer 2 to 4 bedrooms with 2.5 to 3.5 baths and a convenient two-car attached garage in approximately 1,163 to 1,531 square feet. Select floorplans include charming decks, private, fenced courtyards, a secluded downstairs bedroom or home office and an optional second floor configuration with dual master bedrooms and a loft. These innovative new townhomes are now selling from the mid $400,000s.

Beautiful exterior architecture, desirable Bosch kitchen appliances, modern amenities and abundant storage reflect the attention to detail in each Caserta floorplan. The neighborhood’s townhomes and flats include 2 to 3 bedrooms plus loft, 2 to 3.5 baths and 2-car attached garage. Interior spaces span from approximately 1,165 to 1,810 square feet with prices ranging from the high $400,000s.

Cypress Village, within the Villages of Irvine®, offers residents everything families want and need to thrive now and in the years to come. Offering the next generation in new home designs, Cypress Village provides residents with resort-style recreation for the young and young at heart, a convenient setting near your favorite places and acres of parks for fun in the sun, and is conveniently located just moments away from the region’s premier shopping, dining and entertainment. Students attend the state-of-the-art Jeffrey Trail Middle School and the newly opened Cypress Village Elementary School, both conveniently located within the Village and part of the heralded Irvine Unified School District.

Created by Irvine Company Community Development, Cypress Village is located in the City of Irvine. Money Magazine recently ranked The City of Irvine as “the top small California city to live in for 2014.” The highly-acclaimed master-planned community is renowned for allowing residents to enjoy a unique lifestyle unmatched in the region — some of the best schools in the state; America’s safest city for nine straight years; abundant open space, parks and recreational opportunities; and world-class dining, entertainment and employment. For more information about the Villages of Irvine, visit www.VillagesofIrvine.com.

California Pacific Homes is a landmark homebuilder comprised of forward thinkers who possess the capacity and intuition to design and deliver inventive new neighborhoods in the most desirable locations. Driven by innovation and a fresh approach, the art and expertise of homebuilding is elevated to the next level by consistently introducing extraordinary new home opportunities to the Southern California marketplace. For more information, please visit www.calpacifichomes.com.

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To visit Zinnia, exit the I-5 Freeway at Jeffrey Road and turn right. Turn right on Roosevelt, then right on Rush Lily, left on Nightmist and right on Tulip. The Zinnia models and sales office are open daily from 10 a.m. to 5 p.m. For more information, call 949.502.5373.

To visit Caserta, exit the I-5 Freeway at Jeffrey Road and turn right. Turn right on Roosevelt, right on Rush Lilly then right again on Velvet Flower. The Caserta models and sales office are open daily 10 a.m. to 5 p.m. For more information, call 949.387.9665.

Prices, product type and availability are subject to change without notice.

July Events at Pavilion Park | The Boutique Real Estate Group

COOKING DEMO | Ode to the BurgerUnleash your inner chef. The theme of this month’s cooking class will be Ode to the Burger. Perfect for cooks of all levels. July 5 10:30am-12:00pm
YOGA IN THE PARK | Self NavigationYoga and meditation that will focus on self navigation. Perfect for beginner and intermediate yogis. July 12 9:00-10:15am
FRIDAY NIGHT HAPPENINGS | Honky Tonk NightCountry music is about storytelling. Join us for a night of music in the great southern tradition, by the Freightshakers. Plus a convoy of food trucks, including GD Bro Burger, Bear Flag Fish Co., the Viking Truck, and Drive Me Cookie. And pottery demonstrations. July 18 6:00-9:00pm
YOGA IN THE PARK | Strength and SoftnessYoga and meditation that will focus on strength and softness. Perfect for beginner and intermediate yogis. July 19 9:00-10:15am
GARDEN WORKSHOP | Surviving the Summer HeatThe heat of summer can take a toll on gardens and gardeners. Discussion to include irrigation techniques, how to operate irrigation timers, water conservation, runoff friendly hardscape, and the benefits of mulching. July 19 10:30-11:30am
YOGA IN THE PARK | Creating SpaceYoga and meditation that will focus on creating space. Perfect for beginner and intermediate yogis. July 26 9:00-10:15am
Please register in advance for Cooking Demos, Garden Workshops and Yoga Classes.

Laguna Beach | The Boutique Real Estate Group | Chris Kwon

Laguna Beach Lifeguard Tower

Laguna Beach is like no other place in Orange County. Take a moment and soak this in. The landscape, culture, people and the colors (ohhh the colors), makes it even hard to compare even to it’s neighboring cities. Even the scent of the ocean is different. The people of Laguna Beach know what I’m talking about, so this may be a odd concept to picture if you’ve never been here before.

But for those of you that live here and had to narrow down the best thing that this city has to offer, what would it be? Would it be the effect that the cool crisp air has across your skin as you open up the door for the first time in the morning? Or what about the grains of sand in between you toes as you walk along the beach? Maybe it’s the sound of the splashing waves as they hit the shore?

For me Laguna Beach is like a botanical garden. So alive, surrounded by diversity as every element changes so subtly. A collection of organic specimens that thrive and flow freely like a poem in harmony. Nothing ever stays the same but nothing really ever changes either.

So have I done it? Have I lost you in translation? Good, because this is the essence that makes Laguna Beach so unique and abstract. Everything that this city has to offer culminates to understanding this concept. But to understand this, you have to come and experience it for yourself. Your path might be different but you will all end up in the same place. You will understand that magnificence is a word that falls short in describing this city and all that it has to offer.

For a private home tour of Laguna Beach please contact Chris Kwon at Chris.Kwon@TheBoutiqueRE.com

Laguna Beach, Ca

Save The Date | Tuesday May 6th | Educational Dinner

Join industry experts as they talk shop about the way our economy is changing. Meet Morris Boladian from CML Wealth Management, Allycyn Bennett from United American Mortgage Company and Raj Qsar from The Boutique Real Estate Group. Tuesday Evening May 6th at The Summit House Restaurant in Fullerton.  Please RSVP to Lisa Ortega at 714.494.2460 or LisaO@CMLwealth.com

 

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Yorba Linda Country Club | The Boutique Real Estate Group

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Looking for a place where everyone in your family can enjoy themselves, create

new memories and make new friends? Then look no further! The Yorba Linda

Country Club (YLCC) offers that all and more!

This club was established in 1957 and has a beautiful par-71 Harold Rainville

designed golf course, manicured to perfection and lined with mature trees to

outline the Bermuda fairways, elevated greens and the inviting water features.

Even President Nixon has enjoyed a round or two of golf here! How cool is that?

I am fortunate to be a tennis member and love being apart the YLCC family. I

can tell you that when you join they really do go out of your way to make you

feel at home. From the new member happy hours, your photo on the wall and

the welcoming smiles you receive as you walk through the door, the staff at the

club certainly know how to make you feel special and appreciated. There is

always something fun organized to do here and the food is great! You can also

just come up and enjoy a relaxing day at the heated pool! Either way, this has

certainly become one of my favorite places to be!

57  If you are into golf there are two memberships (Corporate and Full Golf) both offering you full club privileges and the best of what the club has to offer!

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With the Tennis Membership you receive all the benefits of a social membership, full use of the 8 lighted tennis courts, events, club house and more! 

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With the Social Membership you have access to the clubhouse, pool and a calendar full social events!

Interview with Raj Qsar | The Boutique Real Estate Group | www.TheBoutiqueRE.com

“So in a sense our team has digitaized the real estate experience.” Raj Qsar

Q: As a full service Real Estate Brokerage What makes The Boutique Real Estate Group Different? 

A: We had out “ah-ha” moment back in 2008 as technology and social media found Real Estate. We knew there had to be a better way of not only marketing real estate but there also had to be a better way of managing the mountain of paperwork and people involved in a real estate transaction. So in a sense our team has digitized the real estate experience. You will never find our clients running to a fax machine and most likely never even pick up a pen to sign anything. We are a paperless office. Completely mobile and can run an entire real estate transaction from our iPads and phones. Our technology does not require our clients to be tech savvy – it only requires our agents to understand the benefits of technology and to implement that technology with our clients.

Q: Your marketing platform is truly amazing. Can you share with us a little bit of why your team has become globally recognized for your work in Real Estate Marketing?

A: Real Estate marketing has truly evolved over the last 10 years. We have developed a comprehensive strategy which showcases our client’s home through real life video (actual movies), HDR Photography, 360 HD V-Tours (amazing technology), individual property websites for each individual home, staging & interior design, custom graphics & design, and a social media content strategy that reaches people on a global scale. We have had the pleasure of being able to bring all aspects of our marketing completely in-house. What that means is that we have complete control over our designs, feel and strategy when marketing luxury real estate. When surfing the web for real estate, our listings stand out: they have a unique look & feel and buyers recognize our listings as being “boutique-ified.” Every part of the marketing strategy has been touched by our in-house team to unsure absolute perfection.

Q: The Boutique Real Estate Group has a massive social and web-presence. Why have you focused so much on this part of marketing?

A: The world is on the web – advances in technology are changing the way businesses interact with clients. People are on their smartphones, heads down and focused. We know we need to be where our clients are, so we can be at the forefront of their minds. Our clients are on Facebook, Instagram, YouTube, Linkedin, Pinterest, Twitter and Four Square. However, the Facebook user is different than the Linkedin user, who is totally different than the individual on Instagram. So when thinking about marketing, you will see that our strategy is different depending on the platform and who we are trying to reach.

Q: Why did you choose Corona Del Mar as your new home base for The Boutique Real Estate Group?

A: I am an Orange County Native and growing up, my family & I we always at the beach playing, surfing and just enjoying our time together. As a real estate professional it only makes sense that our marketing platform, our luxury services, and our attention to detail is needed in Coastal Orange County. Corona Del Mar was a natural choice – not only is it centrally located between Newport, Huntington, Laguna, and Dana Point, but it encompasses exactly what we stand for, laid-back luxury.

 

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The Boutique Real Estate Group to Open New Luxury Real Estate Office in Corona Del Mar

Brilliant design, luxury services & cutting edge technology are headed to the coast of Orange County, Ca with the launch of The Boutique Real Estate Groups second office in the beach city of Corona Del Mar in Newport Beach.

The Boutique Real Estate Group is a boutique real estate brokerage in Orange County, CA, that focuses on great design, beautiful marketing & luxury services and is set to open their 2nd office in the beach city of Corona Del Mar in Newport Beach. Raj Qsar, Principal & Owner has created a culture that spurs collaboration, technology and social media with a unique marketing approach.

Their story goes a little something like this… Beautiful design evokes emotion. Emotion stirs the soul and creates a connection between client, agent and the home buying process. The Boutique Real Estate Group has invested heavily in bringing all aspects of the real estate experience completely in-house. From design, staging, photography, cinematography and social media to technology, internet optimization & cloud based transaction management. This not only provides them complete control of the design, marketing & technology of luxury real estate but also gives them the look & feel of a true boutique marketing agency. This design & tech-forward approach has earned The Boutique Real Estate Group accolades & awards worldwide.

Most recently The Boutique Real Estate Group has been recognized as the 2014 Next Generation Real Estate Brokerage by Better Homes & Garden Real Estate and 1000 Watt Consulting. Raj Qsar & Jeremy Lehman, The Boutique’s CTO have both been recognized as Inman News Top 100 Most influential Real Estate Leaders for their work & dedication to raising the bar in the Real Estate industry. And their #GoodbyeHello video was named Top 20 Real Estate Videos in the USA in 2013.

Look for their new office in the beach city of Corona Del Mar in Newport Beach as they launch into the Coastal Orange County Real Estate Market in 2014.

The Boutique Real Estate Group

Golf Cart or Gallop? Which Do You Prefer?

By:  Karie Talke | The Boutique Real Estate Group

Where can you find a little peace and tranquility nestled amongst the hustle and bustle of a thriving suburban city?

Two Words:  Yorba Linda

golf cart

For those who live in Yorba Linda and for those who come to visit, you know that our recreation trails offer you a little peace and tranquility away from a hectic, busy life. The trails are an unique way to explore our city or reach your destination. The white picketed fences outline each trail as they meander in an intrinsic pattern throughout our neighborhoods, parks, hills, all the while showing you a glimpse into suburban country living. Not too many trails I know of offer you views of a top rated golf course, horses, chickens, donkeys, orange trees and a historical Presidential Library all with in a short distance of each other.

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On any given day you can see people biking, jogging, walking, riding a horse or driving a golf cart on the trails- the mode of your transportation is for you to decide. Which do you prefer? Any way you choose… I am sure you are going to enjoy it!

“When the path ignites a soul, there’s no remaining in place…” -Hakim Sanai

With over a 100 miles of recreation trails in Yorba Linda, all connecting in one way or another, I am sure you will agree that these trails can add a little bit of country into this rock and roll city we live in.

To contact Karie Talke about anything & everything in Yorba Linda, Ca please email her at Karie.Talke@TheBoutiqueRE.com or connect with her at http://TheBoutiqueRE.com/Karie-Talke