The Conejo Simi Moorpark Association of Realtors Installs 2011 Board Of Directors
common / Real Estate
The Conejo Simi Moorpark Association of Realtors held its second annual awards luncheon and installation of its 2011 officers and board of directors.
The well-attended gala event at the Reagan Library also honored the outgoing 2010 officers and directors, including this year’s co-presidents, Peter Greer and Elizabeth Puliti, and presented several awards for outstanding service in 2010, such as the Community Service Award, the Affiliate of the Year Award, and the Realtor of the Year Award.
Realtor Nelson Carrillo served as master of ceremonies by welcoming members and guests to the festivities. He began by acknowledging the past association presidents from 1976 to the present and dignitaries in attendance such as Brian Miller, district chief of staff for U.S. Rep. Elton Gallegly; Matthew Dababneh, district office chief of staff for Rep. Brad Sherman; and Jarrod DeGonia, field representative for Assemblyman Cameron Smyth.
Jan Roth, chairperson of the association’s membership committee, presented member recognition pins for length of membership. She gave special honor to Ray Holmes, who had joined in 1964, for his 45 years of membership participation.
Greer and Puliti acknowledged their 2010 board of directors and looked back over the year’s accomplishments, especially the first year following the merger of the Conejo Valley and the Simi Valley/ Moorpark Associations into one organization.
The outgoing officers and board of directors were formally dismissed from office and the 2011 officers and directors were called to the stage and officially sworn in.
The incoming officers are president Linda Mills; president-elect Jeff Phillips; secretary-treasurer Mike Hanley; and past co-presidents Peter Greer and Elizabeth Puliti.
The directors are Laura Lee Anthony, Nelson Carrillo, Linda Enderson, Rick Gaviati, Kathryn Laub, Chuck Lech, JoAnn Levine, Theodore Mackel, Joel Reznick and Charlene Siemon.
Awards and recognitions were presented. Greer and Puliti recognized 2010 committee chairpersons, the C.A.R. directors, and the C.A.R. and N.A.R. travel teams, which represent the association at state and national level conventions and events.
They presented Richard Young with a certificate of C.A.R. Honorary Member for Life, and Ron Williams with a certificate and pin for Realtor Emeritus for 40 years of N.A.R. membership.
All affiliate members were asked to stand to be honored by the Realtor members for their assistance and support throughout the year.
The three annual awards were announced by the previous year’s recipients. Roberta Edwards presented the 2010 Affiliate of the Year Award to Maurice Leveille. Joe Joyce presented the 2010 Community Service Award to Alex Gandel.
The 2010 Realtor of the Year was presented jointly by past recipients Nelson Carrillo and Glen Scalise to Patti Hepple, who during a 30-year career in real estate has held the posts of president, president-elect, and treasurer as well as serving on numerous committees.
The Conejo Simi Moorpark Association of Realtors, formed this past year by a merger of the Conejo Valley Association of Realtors and the Simi Valley- Moorpark Association of Realtors, serves just under 2,000 members. The association’s main office is at 463 Pennsfield Place, Ste. 100, Thousand Oaks, with an additional office at 2051 Royal Ave., Simi Valley
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Home Loans
11.1.11
Smart Loans Make Cents
Smart Loans Make Cents
Joe Engle With strict loan requirements enforced by lending agencies, having a high credit score is imperative. LoanSmart Inc. has launched a new division, Quality Credit Solution, to assist customers with improving their FICO scores.
FICO scores are based on multiple factors, such as payment history, recent requests for credit, length of payment history, and amount of available credit and credit being used.
Tag : www.theacorn.com
Joe Engle With strict loan requirements enforced by lending agencies, having a high credit score is imperative. LoanSmart Inc. has launched a new division, Quality Credit Solution, to assist customers with improving their FICO scores.
FICO scores are based on multiple factors, such as payment history, recent requests for credit, length of payment history, and amount of available credit and credit being used.
Cleaning up a credit report typically takes years; however, Quality Credit Solutions uses a four-step process for credit repair that produces optimal results.
Step 1: Thorough examination of credit reports from the three major credit bureaus.
Step 2: Identifying which items to dispute.
Step 3: Challenging and disputing negative items with each credit bureau.
Step 4: Reviewing responses and actions taken by the credit bureaus.
Most client see progress within the first 45 days of service. However, for those clients with a great number of inaccurate or negative items on their credit report, results will take longer.
There are no hidden fees with Quality Credit Solutions services. Staff provides unlimited support to clients in disputing negative items on their report.
LoanSmart specializes in removing inaccurate, misleading or unverifiable entries. Clients may track the progress and activity being performed on their account at any time online.
After two months of the service, clients may request an evaluation or audit of their account. The company offers a partial money back guarantee. If LoanSmart does not remove a reasonable amount of disputed or negative items from a client’s credit report, a portion of their fee will be refunded.
“With a higher FICO score, individuals can take advantage of the current lower interest rates and refinance their auto and home londs, which can result in substantial monthly savings,” said Joe Engle, president of LoanSmart.
Tag : www.theacorn.com
25.3.09
Lower Mortgage Rates Lead to a Bona Fide Refinance Boom
Lower Mortgage Rates Lead to a Bona Fide Refinance Boom
Compare mortgage rates now!
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Refinance Home Buying
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That’s right folks, you read that correctly. Right now, as a result of the lowest 30-year fixed-rate mortgage rates since 1971, we are officially in a refinance boom.
According to Marketwatch.com, “The benchmark 30-year fixed-rate mortgage tumbled to a national average 5.17% this week, the lowest level since Freddie Mac began its weekly rate survey in 1971.”
Good news for the economy. Good news for homeowners wanting to refinance. Good news for folks wanting to sell or buy a home. Good news for just about everyone.
The lowest mortgage rates in almost 40 years
With mortgage rates dropping to levels not seen in over a generation, the doors for refinancing have opened wide. And we mean "wide." In fact, it’s hard to not find someone talking about refinancing. It seems refinancing is on the tips of just about everyone’s tongues.
And the reasons are obvious. For example, lowering your mortgage rate just 1% on an average $200,000 30-year fixed-rate mortgage (from 6.5% to 5.5% for example) will save you an estimated $125 a month or $45,360 for the 30 years of your loan. And the more your rate drops (going from 6.5% to 5% for example), the more money you save. That’s about all there is to it. Not much more complicated than that.
Refinance Boom is upon us
So, as you can see, there are many reasons to refinance your mortgage right now if you have equity in your home. Even if you think you won’t keep your loan for the entire 30 years, you still may be able to save money if you refinance. All you have to do is figure out your break even point. For example, let’s assume you will save $300 a month on your new mortgage payment after you refinance. Let’s also assume your refinance will cost $4,000 in various fees and costs.
Based on these numbers, you would need to keep your refinanced mortgage a minimum of 14 months to break even. After that, it’s all profit. Each month you’ll be able to put the $300 you save with your new mortgage payment to something other than your mortgage – something important to you, like your family, a vacation, a charity, or just plain old savings. The point is, you’ll have this extra money to do with as you please.
Waiting for lower mortgage rates could be costly
Word on the street is that some people are waiting for mortgage rates to drop even further and are holding out for a “dream rate” that is yet to come. Good luck on that. Unless you have a crystal ball that the rest of us don’t know about, it is impossible to predict future rates and you are gambling by waiting. It’s true, mortgage rates could go lower, but it’s not likely. In fact, history tells us they will most likely rise. That’s the truth, if you believe in history as a predictor for the future. If you sit on the sidelines waiting for the bottom mortgage rate, you might find yourself locking in after rates have started rising. Just ask yourself the question – “how much can you lower your payment and are you willing to lose that amount by waiting for an even lower rate?”
If you are comfortable paying a higher payment now on the slight chance that mortgage rates will drop further, get out your crystal ball and wait. If you want a lower payment today and are content with the fact that average mortgage rates on 30-year fixed-rate mortgages are at or near a 37-year low, get started refinancing now.
It’s up to you!
Compare mortgage rates now!
* Loan Purpose:
Refinance Home Buying
Your Current Mortgage
* Current Loan Amount:
* Current Payment:
* State:
Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming
Can you reduce your mortgage payment?
* Purchase Price:
* Down Payment:
* State:
Select State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming
document.getElementById( "purchase_widget_container" ).style.display = "none";
Our Favorites
That’s right folks, you read that correctly. Right now, as a result of the lowest 30-year fixed-rate mortgage rates since 1971, we are officially in a refinance boom.
According to Marketwatch.com, “The benchmark 30-year fixed-rate mortgage tumbled to a national average 5.17% this week, the lowest level since Freddie Mac began its weekly rate survey in 1971.”
Good news for the economy. Good news for homeowners wanting to refinance. Good news for folks wanting to sell or buy a home. Good news for just about everyone.
The lowest mortgage rates in almost 40 years
With mortgage rates dropping to levels not seen in over a generation, the doors for refinancing have opened wide. And we mean "wide." In fact, it’s hard to not find someone talking about refinancing. It seems refinancing is on the tips of just about everyone’s tongues.
And the reasons are obvious. For example, lowering your mortgage rate just 1% on an average $200,000 30-year fixed-rate mortgage (from 6.5% to 5.5% for example) will save you an estimated $125 a month or $45,360 for the 30 years of your loan. And the more your rate drops (going from 6.5% to 5% for example), the more money you save. That’s about all there is to it. Not much more complicated than that.
Refinance Boom is upon us
So, as you can see, there are many reasons to refinance your mortgage right now if you have equity in your home. Even if you think you won’t keep your loan for the entire 30 years, you still may be able to save money if you refinance. All you have to do is figure out your break even point. For example, let’s assume you will save $300 a month on your new mortgage payment after you refinance. Let’s also assume your refinance will cost $4,000 in various fees and costs.
Based on these numbers, you would need to keep your refinanced mortgage a minimum of 14 months to break even. After that, it’s all profit. Each month you’ll be able to put the $300 you save with your new mortgage payment to something other than your mortgage – something important to you, like your family, a vacation, a charity, or just plain old savings. The point is, you’ll have this extra money to do with as you please.
Waiting for lower mortgage rates could be costly
Word on the street is that some people are waiting for mortgage rates to drop even further and are holding out for a “dream rate” that is yet to come. Good luck on that. Unless you have a crystal ball that the rest of us don’t know about, it is impossible to predict future rates and you are gambling by waiting. It’s true, mortgage rates could go lower, but it’s not likely. In fact, history tells us they will most likely rise. That’s the truth, if you believe in history as a predictor for the future. If you sit on the sidelines waiting for the bottom mortgage rate, you might find yourself locking in after rates have started rising. Just ask yourself the question – “how much can you lower your payment and are you willing to lose that amount by waiting for an even lower rate?”
If you are comfortable paying a higher payment now on the slight chance that mortgage rates will drop further, get out your crystal ball and wait. If you want a lower payment today and are content with the fact that average mortgage rates on 30-year fixed-rate mortgages are at or near a 37-year low, get started refinancing now.
It’s up to you!
Tag : quickenloans.com
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