With so many foreclosures and short sales happening now, we can help! Give our Office a call now for a FREE CREDIT EVALUATION. (888) 349-6690 http://www.ezchoicefinancial.com
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Hello Everyone,
My name is Manny Moumdjian, the founder of EZ Choice Financial Corp. There are still Ethical and Integral Credit Repair Companies out there that can help you with your credit worthiness. Having over 15 Years of experience in Credit Repair and Rebuilding Credit. Our Credit Repair Service Guarantees improvement within a 6 month period or a 100% Refund with No questions asked! We are Experts in finding multiple errors on credit reports and getting them corrected, updated or deleted from the 3 Major Credit Bureaus permanently! We give consumers Hope on getting their credit back on track to qualify in the very near future for a home or vehicle and even certain credit cards and just having a stress free quality of life! W are Fully Bonded in the State of California and Registered with The Secretary Of State and Department Of Justice. Everyone receives a free consultation! All pricing is calculated by what is on the credit reports and we offer everyone an affordable payment plan. Call us for a Free Credit Evaluation today (888) 349-6690
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I’m astounded at how many Orange County homeowners qualify for a loan modification. And I’m even more astounded that they never seize the opportunity, generally because there’s so much misinformation floating around. As a result, hundreds of distressed
homeowners never get the help they need. Mike Hatcher, seasoned modification advisor with the Ascent Network, is here again to offer a wealth of valuable insights —The best thing I can do is clear away all the debris of misinformation. So, in no particular order, here’s a list of GREAT loan modification candidates:
- Those yearning to save an average of $1,000 a month — our average improvement.
- Those with W2 income between $40k-$130k. Or the self employed, who usually don’t qualify for a refinance. We are 99% successful securing modifications for this group.
- Those who never “rob Peter to pay Paul” in order to cover the bills.
- Those who have perfect payment records but wonder how long they can afford to make their payments.
- Those in default and are 14 days from a foreclosure sale on their property.
- People worried sleepless because they fear losing their home and fear seeking help. This reluctance typically is the result of mass misinformation.
- Those who want to shoot their spouse (or realtor) for deciding to purchase the house back in the mid-2000s.
- Individuals seeking a long-term mortgage solution with a fixed rate.
- Those who realize that renting ultimately costs more, don’t want to pay for or expend the energy for a move, and don’t want to live in someone else’s rental property.
- Those who fail to qualify with their lender, or are given a token $30-$100 monthly savings modification as a consolation prize.
Quite a list, with more than a few surprises, eh? So, are you ready to learn how a loan modification can put $1,000 extra in your pocket every month? Just call Mike at 877.871.2400 x15. You’ll be amazed at how simple it is to cast your financial worries to the wind.
And, of course, if you’d like to learn more about the variety of opportunities the Orange County real estate market offers, I’ll be delighted to help. Just call, tweet, or email me at 949.338.7408, @AngieWeeks, @WeeksTeam, or angie@askangie.com. I’m ready to assist you in any way I can.
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You all know that Orange County homeowners can reap substantial rewards from loan modifications. But were you aware that loan mods are a great avenue for investors as well? Believe it or not, most investors can qualify for this excellent financial option. Here’s a quick overview by Mike Hatcher, seasoned modification advisor with the Ascent Network —
Here at the Ascent Network, a faith-based, non-profit organization, we offer a number of outstanding options for investors. Thanks to
our experienced and knowledgeable team, we’ve helped thousands of clients since 2007. And one of the major ways is by securing loan modifications for investors. Why should you pursue a loan mod if you’re an investor? Here are the five top reasons:1. Income qualification is based on Profit and Loss (P&L), which we help put together for you, not your tax return. A P&L is a great asset. That’s because, depending on your debt to income thresholds, deductions may or may not be applied to ensure the best fit for a client.
2. Our average, the investor modification rate is 4.25-4.5%
3. This is a fixed rate.
4. The term typically is 30 years, with some going as long as 40 years. For the record, 30% of lenders consider a 40-year term.
5. We negotiate successful outcomes with 80% of our clients.
Would you like to learn how modification can help you leverage the value of your investment property to put more cash in your pocket on a monthly basis? Call Mike at 877.871.2400 x15, and boost the cash flow from your investment property.
And, of course, if you’d like to learn more about the variety of opportunities the Orange County real estate market offers, I’ll be delighted to help. Just call, tweet, or email me at 949.338.7408, @AngieWeeks, @WeeksTeam, or angie@askangie.com. I’m ready to assist you in any way I can.
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796 W Lambnert # 157, La Habra, CaCondo (not listed)1 bed/ 1 bath700 sq feetapprox list price to be 125K
6029 Moraga, Riverside, Ca
SFR3 bed/2 bath2500 sq ftsingle storyno HOAcoming to market soon, no price yetestimated price to be 200-230K30542 Paradise Palm, Homeland, Ca 92548
Senior living mobile home with golf course
2 bed 2 bath
2040 sq ft
Listing Price: $65,0007223 Comstock #C, Whittier, CaCondo2 bed/2 bath1291 sq ftassoc pool/spaHOA $225good conditionmodel match in escrow for $225KList price is $213,0007722 Friends Ave, Whittier, CaSFR needing a lot of work1234 Sq Ft3 bed/ 1 bathNO HOAdetached garage28549 Cilla Ct, Romoland, CaComing to market
SFR4 bed/2 bath1460 sq fttenant occupiedNo picturesCall Angie Weeks (949.338.7408) directly if you’re interested in any of these properties 🙂 -
If you’re in the market for a new home, but don’t have enough money? Now your problems are solved! Kara Collacott, of Essex Mortgage, just told us about a new down payment assistance program for ANYONE, not just first time buyers! This program will give you 3% down for an FHA loan. The qualifications are:
*ratios 39.9/49.9
*1 month cash reserves after closing
*AUS accept only
*Single Family Residence or approved Condos/PUD NO UNITS
*Purchase Only
*Borrowers must complete 8 hour home education program
*Must have 90 day income and expense analysis with no payment shock
*Buyer is allowed to move without needing to refi or sell the property
Seems easy enough with a promise of living in the house of your dreams! Contact Kara at (714) 935-2581 ext. 294, or on her cell: (714) 469-2629, or e-mail her directly at kcollacott@essexmortgage.com if you have any questions or want more information!
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This post is for any of the OCYPN members who didn’t make our Lunch & Learn today – the info is too good not to share! Ryan Spitalnick, Prominent Escrow’s in house attorney, shared his strategies for getting HOA liens reduced so our OC short sale deals can get closed! Spitalnick stated any reasonable HOA already knows they are in a 2nd or 3rd lienholder position, and they already know its very likely they get absolutely nothing if the short sale goes into foreclosure 😦
…but…sometimes Homeowner’s Associations are still stubborn about back dues owed. This can cause good escrows to fall apart, and properties to go into foreclosure 😦 Ryan gave YPN 5 negotiation tips that he uses to get discounts on HOA demands.
What to say to the HOA??
Tip 1: “The law is not in your favor”
Some HOA’s forget there is a pecking order in which property liens are paid. The main mortgage always gets paid first, and then a 2nd mortgage and taxes, then HELOC’s, HOA’s, and other liens.
Tip 2: “The short sale lender is offering money now that will not be there if the property goes into foreclosure”
If a foreclosure occurs, all secondary liens mentioned above are NOT the responsibility of the new homeowner (bank or investor) to absorb. The secondary liens are then forced to go after the foreclosed homeowner personally if they want to recoup the unpaid debt. Now is a window of opportunity for the HOA to get something instead of possibly nothing at all.
Tip 3: “The HOA will end up spending good money chasing bad”
Even though HOA’s have the right to go after the foreclosed homeowner for back dues, what is the likeliness that person has the ability to pay? In addition to attorney fees, collection costs, and time spent, the HOA faces never getting their money after spending plenty of funds trying.
Tip 4: “Remember the bank or an REO sale is not responsible for paying back dues”
Many HOA’s will say “I’m entitled” to the full amount.l Technically, they are. But in a short sale everyone involved is losing money, and the HOA should not expect to be any different. Many times the HOA’s own CC&R’s state reminders they are not the primary lienholder in multiple places, so make sure you have a copy handy to point it out! Short sales are designed for debtors to recoup as many costs as possible and cut losses. Junior lienholders always get hit the worst 😦 Discuss this with your HOA contact and request a revised and discounted demand.
Tip 5: “Do you really want to force a vacancy for minimum 6-12 months on the slim chance you will get a payment?”
If the HOA does not revise their demand and the property is foreclosed, it will be vacant and there will be nobody paying monthly dues for the unit. On the other hand, if they accept less on the current amount owed, they will have a new homeowner within 60 days paying dues on the unit again. Knowing there is a slim chance the old owner will pay anyway, why not cut losses now and save vacancy and possible vandalism fees?
If you’re still having trouble, keep in mind that HOA’s typically have an attorney advising their board or property management company. The person you are talking to on the phone is probably NOT the decision maker. If you have to, work your way to the attorney or decision maker directly so you can be most effective in negotiations.
If you’d like more info on CA condo law, download the free Davis Stirling app or consult with a Real Estate Attorney like Ryan 🙂 Also, if you’re an Orange County Realtor interested in joining YPN, membership is FREE and you’ll get tons of valuable real estate tips just like this to help you close more deals and better serve your clients. Like us on Facebook and check the group out!
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Alright, you’re thinking about upgrading your home. But along with those new faucets, fresh paint, and vinyl tiles, did you ever consider all the eco-friendly improvements that will add pizzazz to your property and boost the health and well being of our planet? These days, the possibilities for GREENgrading your home are virtually limitless.
The choices fall into three budget categories. Here are a few suggestions from each category –LOW COST
- Use CFC or LED light bulbs – Far more energy efficient than conventional bulbs
- Insulate hot water heater – Can reduce standby heat losses by 25%–45%
- Install motion sensors in offices and other common use area conference rooms to turn off lights when not in use
- Install water efficient restroom fixtures – Reduces water use and saves you big bucks
- Provide recycle bins
MEDIUM COST
- Tune up HVAC – Improves both efficiency and comfort
- Replace hardwood flooring with bamboo or cork floors – Will keep your home warmer in the winter and cooler in the summer.
- Insulate attic and other areas
- Buy recycled office products and equipment
- Provide on-site bike room to encourage environmentally friendly commuting
HIGH COST
- Buy ENERGY STAR appliances – Lower utility bills, better performance, and greater durability.
- Replace roof with reusable/recyclable materials
- Replace cabinets with sustainably harvested wood and low-VOC finishes – This type of wood comes from a certified wood harvesting site, not an unsustainably logged region, which can have a negative impact on the environment. Low VOC substances have less odor and impact on air quality.
- Implement super energy efficient transformers – Reduces energy use and CO2 emissions.
- Implement on-site water reclamation system – Save water and money on water bills.
Those are just a few of the GREENgrading options you can take advantage of. Hopefully you have some of your own eco-friendly tips. We’d love to hear about them. Just fire off your ideas below. Or tweet @weeksteam with #green.
And be sure to reach out to us if you have any questions. You can connect with our green team at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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We asked one of our friends in lending to give us the sizzling summer deals. Here’s an option for option for safely getting more home for less from Barry Zanck. “I give away money” is my common reply when queried about my profession. Well, there is of course a hitch being that we take your house as collateral and, if you don’t pay us back..… Okay, my favorite loan program is a 10/1 adjustable rate mortgage that has a fixed rate for the first ten years. The advantage? Almost 1.5% below the 30 year fixed rate and still a Fannie/Freddie loan with no prepayment penalty. Since the average loan is kept only 4.3 years and you are allowed to prepay all the principle you want, this loan can offer some real interest rate savings. For example at $400,000 30 year fixed at 4.5 % (4.622%APR) has a 30 year payment of $2026.74. A 10/1ARM has a 10 year set payment of $1740.83 3.25% (3.421%APR) for a savings of $285.91 monthly! Now, throw just a little more than half that savings into principle reduction and you 10 year loan can be a 15 year fully paid off loan!
Call me, I have other ideas that work just as well.Barry E. Zanck
Americap Direct Funding
DRE Brk #01082108 NMLS #243592
(949)910-4445 -
“As Orange County realtors with specialization in Laguna properties, the Weeks team has been successful at helping folks just like yourself actualize your dreams and own a piece of Laguna Hills real estate. It is always recommended that you consult a financial advisor when it comes to a large purchase, but don’t be surprised if you find out that you may qualify as a candidate to own Laguna Hills real estate!” – “Laguna Hills Real Estate – Creative and Savvy Ways to Own”, OC METRO.
Though many people don’t see themselves as potential homeowners, most people with somewhat decent credit just need to think outside the box a little to get into a home. Whether its sharing payments with roommates, using another property as leverge, or having a family member co-sign, it may take creativity to get that Laguna Hills real estate you’ve always wanted. Find out what some creaive homeowners did to afford their Laguna Hills real estate!
Click here to read the full article, entitled, “Laguna Hills Real Estate – Creative and Savvy Ways to Own”.
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Loan Modification You Can Trust
I say that you can trust because of the following four reasons.
… Our Results
80% Success with all clients.
9 out of 10 of these — we negotiated a 2% rate.
99% success rate for the self employed.
The 20% we are unsuccessful are due to income loss/changes for W2 applicants.
… Our Non-profit Status
Law changes now require all Modification Entities to be a Non-profit.
We started the process to change to a Non-profit two years ago.
Now, the people of the state of California officially own the company.
… Our Experience
We have modification experience with all the major lenders since 2007.
We know the modification guidelines require for success.
Our process will stop the foreclosure sale of the property.
…Our References
Hearing from a past client is one of the best methods of building comfort to trust a company.
We hope you take time to look at our website at www.theascentnetwork.org.
There at the website you can read many statements sent to us by past clients.
Here’s The Problem Many Homeowners Face
· 1 out of 3 homeowners are in trouble making their mortgage payments.
· 99% of homeowners are unsuccessful to negotiate a modification directly with their lender.
· Many have sleepless nights worrying about whether they will lose their home.
· Being self-employed, the tax return income is not enough to qualify for a refinance.
And, The Solution We Offer
· 90% of our successful cases start with a 2% rate over 40 years.
· Security to keep your home while we work on your modification.
· We negotiate deferment of outstanding payments due on the loan.
· During your modification process financial breathing room is created.
· Our fee is only $1595 of which $100 is not due until we are successful.
Most of our clients see in a new payment structure.
Loan Amount Payment
$300,000 $600
$400,000 $900
$500,000 $1200
$600,000 $1500
These payments are usually half of what are currently being paid by most. There has never been a loan available that is this good for the very best of qualifying people. -
Alright, you’ve decided to enhance the value and the beauty of your Orange County home with some first-rate landscaping. In preparation, you’ve no doubt pondered issues like space, style, and plant choice until your head hurts. But have you stopped to consider the environmental impact of your home improvement project? The good news is that you can boost the beauty of your home and help keep our planet green simply by considering factors like water use, runoff, and sustainability in your landscaping strategy.

How Green is Your Roof? One good way to score high points in these areas is by growing native fruits and veggies on your property. Indigenous plants already fit perfectly into the ecosystem. Since this type of foliage naturally belongs in the region, it requires less irrigation and less pest control than your average outsider. To save even more precious H2O, group together all plants with similar irrigation needs. Plants that drink together, save water together.
You’ll also want to retain the maximum amount of natural landscaping. Keeping an abundance of native plant life in place does wonders to minimize runoff.
On the fertilizing front, composting is an effective, eco-friendly way to liven up your soil. Check out Home Depot. They offer an excellent selection of easy composting solutions that will jump start your future of fertilizing.
OK. That’s it from this end of the planet. Does anyone else out there have some eco-friendly landscaping suggestions? We’d love to hear about them. Just fire off your ideas below. Or tweet @weeksteam with #green.
And be sure to reach out to us if you have any questions. You can connect with our green team at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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Whether you’re moving into or out of an Orange County home, you probably have a ton of stuff to lug along on your journey. And that, of course, means you’ll be needing an assortment of boxes and other packing materials for the thousand and one household belongings you’ve accumulated over the years. Now what if you could get your hands on the required packing materials and be a
friend to the environment all at the same time? You can with Green Packaging. This outstanding service will provide you with everything from boxes made of recycled materials to biodegradable poly bags. Once you have the needed boxes, make sure you reuse the heck out of them. And when the hard-working boxes have served their purpose, give them to somebody else to use over and over and over again. Both the recipients and our planet will appreciate the gesture.But packing is just a starting point. Here are a few other eco-friendly solutions for folks on the move —
- Don’t trash unwanted items. De-clutter by connecting with CraigsList or freecycle.com. And be aware that the Habitat for Humanity Restore will gladly accept virtually any of your donated belongings. After all, one person’s trash is another man’s treasure.
- Request a green termite clearance.
- If re-doing landscaping, consider using native plants to reduce water use and runoff.
Does anyone else have some eco-friendly suggestions for people on the move? We’d love to hear about them. Just fire off your ideas below. Or tweet @weeksteam with #green.
And be sure to reach out to us if you have any questions. You can connect with our green team at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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We all want a greener planet earth. But exactly what does green mean? This is a tough question to answer. Seems everyone has a very personal set of standards.

As far as housing goes, you know your home is making the green grade when it’s blessed with a high LEED rating, Energy Star certification, or HERS score.
One thing green doesn’t mean is bland functionality pitifully short on good looks. Just feast your eyes on this selection of remodeling solutions to see the excitingly aesthetic side of eco-friendly.
Interested in introducing some eco-friendliness to the place where you hang your hat? Try these to enliven your Orange County home with green goodness.
- Low or no VOC (volitile organic compounds) materials.
- FSC certified wood products displaying the greenseal logo.
- Low waste construction
But deduct major points if you dispose of non-green refuse in a landfill. Far better to recycle, renew, or reuse. Maybe you’ve heard of Habitat RE stores or freecycle.com? Both are superb remodeling or updating partners.
No doubt you have your own ideas about eco-friendly. So what do you think makes a household green? Feel free to fire off your comments below. Or tweet @weeksteam with #green.
And, of course, be sure to reach out to us with any questions. You can connect with our green team at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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Chances are you’ve heard the terms brownfields, greyfields, and greenfields. But do you know what the differences are? A basic familiarity with these terms can help you make a tremendous impact on your community. Here’s the quickie course:
- Brownfield – This is a former industrial site, particularly the kind filled to the brim with hazardous contaminants. Among the contaminant-oozing culprits are former dry cleaning facilities and gas stations.
- Greyfield – This is the designation for a large structure such as a shopping mall or commercial facility that has been abandoned. What remains, of course, is a large, empty development used only by assorted rodents, insects, and other creatures that have no place better to go.
- Greenfield – Undeveloped section of land. Rapidly becoming a rarity.
Is there a brownfield or greyfield upsetting the natural balance of your own Orange County community?
Consider joining forces with your neighbors to convert one of these eyesores into a thing of beauty, such as a spectacular new commercial building. A great example is the NAR headquarters in Washington, DC. This impressive structure was built on a former brownfield and has achieved lofty LEED silver status.Are there any brownfields or greenfields in your Orange County community screaming for your attention? We’d love to hear about it. Just fire off your comments below.
And if you’d like to learn more about contributing to an eco-friendly community, you can connect with our green team at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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Imagine a city designed with a major focus on environmental impact. As part of the plan, all citizens would strive to minimize usage of energy, water, and food, as well as waste output of heat, air pollution, and water pollution. This is a description of a sustainable city. And with green consciousness on a rapid rise, count on a lot more of these eco-communities developing in the future.
Our ‘green team’ has put sustainable cities high on the list of topics to stay in tune with. In the process, we’ve compiled a list of measurements that apply to this type of community:
• length of commute to work
• air quality
• surface water runoff
• greenhouse gas emissions
• road congestion
• housing affordability
• locally grown food availability
• amount of parks and greenways
• percentage of trucks that use alternative fuels
• car pooling / car sharing initiatives
• public transportation
• city sustainability departmentsDid you ever consider how your own beloved city compares to other sustainable cities? Find out at Sustain Lane. And if you’d like to go a bit more global, you can learn how your own country compares by checking out Yale University’s environmental performance index.

As part of the Weeksteam green effort, we’ve integrated with Walk Score in order to provide a walk score on our listings whenever you search for Orange County property. It’s all part of our commitment to helping you create a satisfying sustainable lifestyle. Register today to get your property listed, complete with walk score and much more.
If you have any further questions, don’t hesitate to reach out to me. You can connect with me at 949.338.7408 or angie@askangie.com, @AngieWeeks or @WeeksTeam.
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Many of you have heard of Home Staging and thought “OK, maybe, but does it really work? Is it really worth the money?”
Last night I got a call from a home-owner I worked with at the end of March to pick up some props. When I staged their house I left some items behind and told them to give me a call when the house sells so that I can pick them up. In today’s market houses usually sit for a few months before an offer is made so you can imagine my surprise when I got the call. What happened? Why did they ask me to come pick up the props? Surely the house could not have sold so fast.
Orange County home sells 4 Days after staging – accepted offer was above asking price!!!
Let’s look at how much this staging saved them. For each month that a house is on the market a seller has to pay mortgage, utilities, insurance, taxes and any other owner related bills. Assuming the average mortgage is around $2,000 that is a lot of money spent each month the house is on the market. Knowing that, how much would you be willing to pay for a service that can help sell your house faster? Would it be worth $1000 to save months of those expenses? My services for this house cost these owners well under $1,000 and we used only what was already there. The owners were still living in the house and had everything we needed on hand.
If you are considering selling your house make the investment in Staging. It will save you so much money in the long run, and get your house sold much faster.
For more information check out our website dedicated to Orange County Staging!














