Category Archives: Uncategorized

Home Loans for Vets: 5 things you need to know

Posted on September 13, 2016 | Leave a comment

If you or your spouse has served in the military or the National Guard, chances are you’re eligible for a loan guaranty from the U.S. Department of Veterans Affairs.

“VA loans are a low risk for lenders and a great benefit for veterans,” said Patrick Cunningham, vice president and partner at Home Savings and Trust Mortgage in Fairfax, Va.

The VA also does energy efficient mortgages. The appraisers at Southern California Appraisal Services are VA certified appraisers that specialize in energy efficiency. Contact them www.scappraisals.com for your home value questions.

Who can finance a home with a VA loan?

Members of the military are eligible for a VA loan guaranty after they have actively served for 90 days during wartime or 180 days during peacetime. Murin said members of the National Guard and reservists are eligible after six years or, if they have been called for active service during wartime, 90 days. Surviving spouses of someone who died during active duty or due to a service-related disability are also eligible.

Criteria for VA financing also includes meeting loan guidelines for credit and income eligibility.

Loans for veterans are generally available for primary residences only.

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7 Current design trends that will date your kitchen the most

Posted on September 12, 2016 | Leave a comment

kitchen

What does the typical 2016 kitchen look like? Which trends will date and which will stand the test of time? We consulted the experts to ensure your next kitchen is as stylish and timeless as it can be…

Brick Splashbacks – Splashbacks can completely transform a tired-looking kitchen, creating a focal point within your layout. Flip through any glossy magazine and you’ll see that the brick pattern has been hugely popular of late. Yet whatever goes up one season must inevitably come down the next. As Melbourne-based interior stylist and founder of Homeroom Studio Romy Dankner says, “I love a good trend, but when something reaches a certain level of popularity, I tend to run in the opposite direction! My advice would be to keep clear of the dark grout-white tile combination and stick to tone on tone.”

Nordic Light – Typically, Scandinavian design favours pale and delicate colours, including natural and light-finish woods for the kitchen. This minimalist and clean look will be popular for some time, but too much of it can appear bland and monotonous. “Polytec offer some amazing colour options that contrast beautifully with these light tones, allowing their natural beauty to come through,” suggests Dankner.

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Change in state law (Calif) addresses common area for HOA

Posted on September 6, 2016 | Leave a comment

Definitions of exclusive use common areas can be found in either the Condominium Plan, the CC&Rs, or in the Civil Code. Civil Code Section 4145 provides

the default definition, if the governing documents do not fully cover

the topic, which includes: “shutters, awnings, window boxes, doorsteps, stoops, porches, balconies, patios, exterior doors, doorframes, and hardware incident thereto, screens and windows or other fixtures designed to serve a single separate interest, but located outside

the boundaries of the separate interest…”.

Fixtures

serving a single unit but existing outside of the boundaries of the unit may include water heaters, or air conditioning equipment, for example.

disclaimer: for information and entertainment purposes only

Category Archives: Uncategorized

Home Loans for Vets: 5 things you need to know

Who can finance a home with a VA loan?

7 Current design trends that will date your kitchen the most

Change in state law (Calif) addresses common area for HOA

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