Rubbish Removal Can Make Your House More Presentable

Rubbish Removal Can Make Your House More Presentable You can make your property more appealing to potential buyers and maximise price if you dispose of the rubbish around your home. Nobody likes clutter and if you present your cluttered property to potential clients they will most probably pass your offer. The trick is to make your home look cleaner than it is and make more money from selling it.

Don’t worry about waste removal costs as there are many rubbish removal companies that offer top-tier services at affordable prices. Choose a reliable company if you want to avoid damage to your property. You want to make money not spend more cash on property repairs. Professionals can help you turn this unpleasant job into a pleasurable experience.

Keep in mind that the price for waste disposal varies depending on the amount of items you need removing. You need an efficient waste removal service so don’t settle for the cheapest service. Do a research and find the company that will help you declutter your home and make money. When the clutter is gone your property will look bigger and will be much more attractive to potential buyers.

You can put some of your items into storage but this is only a temporary solution. This is the alternative to cheap rubbish removal but sometimes it is more expensive to keep your items than disposing of them. No need to pay for storage and stress over it. You just need to get rid of all the items you will no longer use and you will have one thing less to worry about.

Invest strategically

Refresh your home to bump up the price of your property. A coat of paint or small home repairs can make a huge difference. It is worth investing a small amount of money and guarantee yourself a good return in the long run.

Make a good first impression

Rubbish clearance can transform the whole impression of a space. Make a good first impression and this will encourage clients to view your property and come back if they haven’t made their final decision. Negotiate a good price for your property and start looking for a new home.

Get Home Loan Approval During the Government Shutdown, Part 2

Ric Dizon bypasses government shutdown for mortgage fundingThe government shutdown is causing a lot of confusion among homebuyers who are wondering whether they can get home loan approval or how to even make mortgage funding possible.  Even though the FHA bureaucracy may be moving more slowly, Ric Dizon is on the job to get homebuyers the best rates possible for their home loans.

While other mortgage brokers are discouraging their customers about getting home loan approval from the FHA, I am prepared to do whatever is necessary for my clients to make mortgage funding possible.  Even with me on your side, there may be some cases where extra documentation is necessary, but we will get through it together.  It might even be the case, though this is probably rare, that home loan approval will only be possible after the government shutdown is over.  This will affect homebuyers who are working with lenders who obtain verified tax returns directly from the IRS.  This may not be possible until the government reopens, although other loans will still be able to fund under the FHA’s existing requirements.

The other issue that may affect FHA home loan approval is if the borrower’s name and Social Security number failing to pass validation with the Social Security Administration.  If the failure to obtain validation was due to the government shutdown, additional documentation can be submitted, so even this hurdle can be overcome.  If the FHA believes that the documentation complies with HUD’s regulations, the borrower can STILL get home loan approval.

Don’t get discouraged by the government shutdown!  Call me today and let my expertise,  hard work, and willing aloha spirit  make mortgage funding possible for you!

More information can be found in Part 1 of this series.

Get Home Loan Approval During the Government Shutdown

Ric Dizon bypasses government shutdown for home loan approvalWith the government shutdown, many homebuyers are wondering if it’s possible to get FHA home loan approval.  In the Aloha spirit, we’re able to give you some good news amid all the doom and gloom of the government shutdown.  Although the machinery of the FHA may be moving more slowly, I will not give up.  As my clients know, I always  go above, beyond, and around bureaucrats to make mortgage funding possible.  That’s because I know how important your home loan approval is.  I will do whatever is necessary to ensure that documents are secured and available so that your loan can close at the best rate.

It is true that the FHA is operating with a smaller staff than normal.  That means that more patience will be needed, as the processing for a home loan approval will be slower than normal.  The FHA will be able to endorse single family loans during the government shutdown, with the exception of Home Equity Conversion Mortgages (HECM) and Title I loans.

The government shutdown is presenting challenges for homebuyers and their agents.  However, if you need help with making mortgage funding possible, call me, Ric Dizon.  You’ll be amazed at what a little Aloha spirit and hard work can do when it comes to getting  home loan approval!

Don’t miss Part 2 of this series, where you’ll get even more information on how the government shutdown may affect your loan.

Get Ready to Aloha Near Long Beach Homes This Weekend

Aloha near Long Beach homes with 5K & Truck jamIt’s time to get in the Aloha mood this Friday, and we’ve got some great events near Long Beach homes to help you relax after a long week of work.

On Friday, October 4th, don’t miss First Fridays in Bixby Knolls.  Celebrate the art and artists working near your Long Beach home.  There will be great live music from the local band MOVE, performing The Dark Side of the Moon in front of the BKBIA office.  Grab something yummy at Nino’s Italian Restaurant or any of the great places that stay open late on First Friday.  Click here for more information.

Breast cancer haunts the lives of many people who live in Long Beach.  Maybe it’s even affected someone in your home.  Fight back on Sunday, October 6th.  The We Love You Mommy Foundation is sponsoring its first ever Go Pink 5K Walk/Run.  It will start at 8 a.m. at the CSULB Walter Pyramid at 1250 Bellflower Boulevard.  There’s still time to participate or donate if you can’t come to the event.  Click here for more information.

Have a fun end to your weekend at the Ford Truck Jam on Sunday, October 6th at the Long Beach Arena Back Lot.  Every kind of Ford truck will be on display:  classics, low-riders and lifted and beyond.  Leave your Long Beach home hungry and get some lunch at the Food Truck alley.  Get your groove on to the live music and DJs.  Click here to find out more.

Debt to Income Ratio Matters in Home Loans

debt to income ration & the Conventional 97 loanIf you’ve been following my blog, you know that I’ve been spending some time explaining particular home loans over the past couple of weeks. One that I’ve focused on is the Conventional 97, because it’s a great opportunity for first time home buyers and may not be around much longer.  The Conventional 97 loan shares similar aspects to other home loans, in that it does revolve  around a maximum debt to income ratio. Those using all of their own money for the down payment cannot exceed a ratio of 45%. Applicants accepting a gift as part of their down payment cannot surpass 41%.

The debt to income ratio is calculated by dividing your total amount of monthly debts into your total monthly income. Approval time for the Conventional 97 loan should be no longer than any other loan, but does vary by lender. This program is not like those created to boost the housing market and currently does not expire, but as we have seen over the last few weeks, change is occurring throughout the mortgage industry.

Not all lenders offer the Conventional 97 loan, but we do, so give me a call if you’d like to know more information. If you are a first time borrower, this is likely going to be your best option for a low down home loan. If you already own a home and would like to refinance or learn more about the process of finding the right mortgage, I’d love to share what I know or click here to read more in this series.

Biking, Baja Splash Fest, and a Car Show Near Your Long Beach Home

Aloha Friday near your Long Beach home this weekendAloha Friday is here, giving you the perfect excuse to spend time on fun with family and friends near your Long Beach home.  For a good time outside, join Bike Saturday on September 28th for a way to get some exercise and get to know the community near your Long Beach home better.  Look for the special Bike LB decal in local store windows and ask about special deals available to cyclists this weekend, too.  Click here to learn more about this citywide event.

You’ll also have a chance to get into the Aloha celebration spirit at the Baja Splash Cultural Festival.  This is the twelfth year that Aquarium of the Pacific is hosting the event on Saturday, September 28th or Sunday, September 29th from 9 a.m. to 5 p.m.   There will be delicious food from all over Latin America and a celebration of  different cultures through Mariachi music, Mexican folkloric dancing, Guatemalan performances, and many other activities, making it a mini Latin American vacation without having to go far from your Long Beach home.  Click here for more information about the events at the festival.

On Sunday, September 29th, come to the Inaugural Car and Motorcycle Show at the Long Beach Convention Center and raise money for the Long Beach Ronald McDonald House.  The show will last from 9 a.m. to 3 p.m. and feature a variety of cars, from muscle cars and classic cars to motorcycles.  Entrance is free for this day of community fun and fundraising near your Long Beach home.  Click here for more details.

Home Loan Makes Small Down Payment Possible

Small Down Payment with Conventional 97 LoanA small down payment is possible with the Conventional 97 loan. The loan application requirements for those looking to get into a home with only a small down payment are really the same as any other home loan. The Conventional 97 program requires the basic items such as pay-stubs, W-2s, tax returns, and bank statements. There is no home buyer counseling required. Please also keep in mind that this option is only good for fixed rate mortgages, but feel free to choose from a 15 or 30 year loan duration for your small down payment loan.

There is also a credit score requirement. Applicants must have a credit score of 680 or better to be eligible for this program. If borrowers will be using a gift for any part of their down payment, then a credit score of 740 is required. The only exception is if the gift is helping with closing costs and the buyers are bringing 3% of their own money for the down payment, then a credit score of 680 is needed. Gifts may only come from relatives. Examples of such relatives are parents, children or other blood relatives, adopted members of the family, a fiancée, or domestic partner. Between your funds and perhaps a little help from a family member, obtaining a home loan with a small down payment can make your dreams of home ownership a reality.

Read more in the first part of this series, by clicking here.

Long Beach Mortgage Rates Make Aloha Friday Even Better!

Long Beach mortgage rates and glidersLong Beach mortgage rates dropped this week setting the groundwork for the PERFECT Aloha Friday, especially if you are searching for a home in Long Beach. There are also plenty of community events to keep you busy this weekend, too! If you ARE looking for a Long Beach home, and want to lock in an amazing mortgage rate, or need to refinance, please take a few minutes this weekend to ask me about how I can help secure the best mortgage rates for you.

As you consider Long Beach real estate, you may find a walking tour to be helpful. See a few of the city’s most beautiful buildings, from 9-11:30 a.m. on Saturday, September 21. Meet at  the WPA Mural on the Promenade (205 East 3rd Street) for the tour offered by Long Beach Heritage. Some of the sites include the WPA Mural-Recreation in Long Beach Insurance Exchange Building, The Breakers, The Wilmore Building, and the First National Bank Security Bank Building. Register for the walk in advance online by clicking here.

However, if you are after some old fashioned excitement, venture to Rainbow Harbor for the free National Red Bull Flugtag Long Beach event occurring that same day at 10 a.m. Crazy to watch, you’ll see insanity in action as daring pilots launch team-powered gliders and flying machines into the Harbor from a 30-foot ramp. Lots of competition and some success will be seen – making it a one-of-a-kind day. Think the Wright Brothers meet Red Bull… and bring any boys and men near your Long Beach home to witness the first gliding/splashing event of this magnitude. Read more here.

Conventional 97 Loan Offers Low Down Payment

Conventional 97 Loan Approval in sightIf you are looking for a low down payment mortgage option for your Long Beach home loan, look no further than the Conventional 97 loan program. This loan is still available to all U.S. residents and comes through Fannie Mae. It has simple guidelines, low mortgage insurance rates, and only a 3% down payment.

Mortgage rates are often comparable to an FHA loan, but the Conventional 97 program does not require you to pay the mortgage insurance up front and the insurance is generally cheaper. The Conventional 97 program could also be used as a refinance option for your Long Beach home loan.

The Conventional 97 program can only be used for single family dwellings, including town homes, condominiums, and detached homes. This program is capped at a loan of $417,000, so be sure to look for a home valued at $430,000 or less to maximize your benefits. Your Long Beach home loan must also be for a property that you plan to occupy. This cannot be used for investment properties, or to refinance a dwelling that used to be your primary residence, but that you are now renting out. What a great opportunity to get into a home with a small down payment, begin your search for a new Long Beach home today and contact me first, so we can get you pre-approved.

Pirates, a Murder Mystery, and Irish Music Near Your Long Beach Home

Aloha at sunset near your Long Beach homeAnother work week is coming to an end, and that means it’s time for Aloha Friday!  There are some fun events happening near your Long Beach home this weekend and the weather is still warm, making it a great weekend to visit the beach, too!

If you have pirate fans in your Long Beach home, bring them to the Pirate Festival at Shoreline Village.  The free festival will start on Saturday, September 14th at 1 p.m. and go until 7 p.m.  Enjoy sword fighting demonstrations, a treasure hunt, and for a small fee, a pirate cruise around the harbor.  Click here for more information, matey!

For a great date night or outing with friends, try the Dinner Detective on Saturday, September 14th.  It’s a fun and fast-paced evening of great food and an exciting murder mystery to solve.  Actors blend right in with guests, so you’ll have to be on your toes to win Top Sleuth of the night.  It all takes place on the ship Grand Romance at 200 Aquarium Way.  Click here to reserve your ticket.

Anyone living in a Long Beach home who loves all things Irish should come out for the Long Beach Fleadh, Irish Music and Oyster Festival.  It’s at the Lawn at the Pike on Saturday, September 14th and Sunday, September 15th from 11 a.m. to 10 p.m.  There will be local Irish bands, cold Irish beer, and fresh oysters.  Kids under 12 are free, and there’s plenty for them to do in the kids’ area.  For more information, click here.

If you would like to know about living in Long Beach or need a Long Beach home loan, let’s connect!

Expanding Your Long Beach Mortgage Options

Dreaming of Long Beach Mortgage optionsLet me help you get into your dream home by providing you with even more Long Beach mortgage options. A recent merger between and now provides customers, my clients, with even more options and a vast array of resources to make the mortgage process as painless as possible. By joining forces, we can rely on the expertise of nearly 700 licensed loan consultants and the resources of licenses in all fifty states. That allows me to be able to offer you a very competitive package for either a new purchase or a refinance. You will be impressed with your Long Beach mortgage options! When can we meet to go over YOUR options?

The growth of mortgage companies is vital to reviving this housing market and I’m grateful to be connected to a company that honors and stimulates growth. Since I consider all my clients as family, this merger allows me more opportunity to work hard to put together options that meet your needs as a Long Beach home borrower. I am excited to work for you to explain the whole mortgage process and give you peace of mind in your decisions. If you need competitive pricing and unparalleled servicing on your loan, I am here for you no matter the loan you need. Contact me, Ric Dizon, to help make your dreams Long Beach mortgage dreams a reality today!