Busy Friday morning, returning emails & calls, posting my regular messages/blogs via social sites, a beautiful day and looking forward to seeing my gal for happy hour Sushi afterwork. As always, too much Java and forgetting to eat lunch - when I realized, or I thought I did, I was running late for my appointment. I had to go into the office on Franklin street near Van Ness ave to pick up my sample "Home Buyers handbook" to review. I was feeling good about making the appointment at Starbucks in Daly City in the Westlake shopping mall because the freeway was nearby... as I drove onto the freeway I was immediately hit by traffic - argh! However, I was not in panick mode because I knew to exit off of 101 south bound to 7th street mission and jump right onto 280 south bound. My gut extincts were correct - no traffic. I was thinking or hearing my stomach growl, never-the-less, I was excited about the appointment in revieiwng our 1st time home buyers seminar. When to my surprise, I receive a call, my contact was already there, after going back and forth, we rescheduled our meeting for Monday morning and will review the content over the phone. It all worked out well. And now, I was ready for a late lunch. I was craving for Panda Express on Fillmore street near Japan Center.
I knew there was traffic and decided to take the back roads to Panda Express, so I took the San Jose Ave exit and proceeded up Delores street. I must have driven up Delores street over a thousand times in my life time and it always amazes me how beautiful the homes are and the Palm trees in the middle of the streets. As I drive up the hills, I remember being a kid thinking it was a roller coaster ride when our family would take weekend drives. Descending down to Delores Park, which brings back fond memories as a kid, I remember spinning around mini ferris wheel, falling off and losing my teeth. Then cruising by Mission Delores church - wow - the place where I was baptized, had my 1st Holy Communion, Confirmation, and graduated from. Not to mention one of my sisters wedding was there. As I drove onto Market street towards Hayes Valley, I was in awe of the recent transformation of the area. There were renovated TIC's, Newly built or renovated Condominium's, Tri-plex's and Victorians, as well as Cafe's and restaurants. I noticed a new Japenese restaurant called "Domo's."
Then as I was driving towards Fillmore street, the sight of the St Mary's Cathedral was over head. The highschool my three younger sisters attended. The building architecture is stunning. As I approach Webster street, more renovated Victorian homes and Condo's. Especially the newly built Yoshi's Japanese / Jazz bar. I remember taking the 22 Fillmore bus to visit my dad at Letterman's General Hospital in the Presidio. As I am finally driving into the parking lot, and very hungry. I realized how lucky I was to know short cuts of the city when there are traffic jams.
I feel very fortunate because I have an opportunity to cruise the streets of san francisco for lunch and back to work while showing properties to potential home owners. You will have an opportunity to learn the back roads of the City by the Bay.
Note: my goal at Panda Express was not to order my regular, "Orange Chicken." I decided to go with Mushroom Chicken, but suddenly had buyers remorse because a customer over loaded his plate with orange chicken and sat right in front of me. Needless to say, I enjoyed my meal
Your San Francisco Bay Area Realtor, Jeff De Loyola
After approximately 8+ years of originating residential mortgage loans, I felt it was the perect time to transition into real estate by joining the team at Keller Williams San Francisco Properties.
I will continue to assist the homebuyers and sellers and inspire the tradition of the American dream of home ownership in the San Francisco Bay Area. With my vast knowledge of the home loan process and programs, and a native of San Francisco, I am confident that I will be able to provide the much needed service to meet their ultimate goal.
Despite our current economic downfall, this is a great opportunity for the next generation of 1st time home buyers no matter what age demographics, move-up buyers, purchasing a 2nd home, investment property, or for the Baby Boomers looking for a retirement home, townhouse or condo - we are dedicated to serving your needs.
They used to say, and I used to hear, that it would be difficult to buy a home in the San Francisco Oakland Bay Area. Well now is the opportunity. And you will need a competent Bay Area local Realtor on your side guiding you through every step of the way. Or if you are relocating the the San Francisco Bay Area, you'll need a team that knows the local market conditions like we do.
About myself, I was born at San Francisco's Letterman General Hospital at the historical Presidio. And raised in the Mission District which was my playground. I have lived throughout the entire Bay Area, San Jose, Oakland, and Daly City. I was a technical recruiter in the 90's during the dot.com era for 12 years. This is where I discovered my passion for helping and assisting customers and clients. The joy of finding a job for a contractor was so rewarding, which is no different when securing and closing a home loan for a home buyer. You'll have experience professional working for you who know's the San Francisco Bay Area Market!
The San Francisco Bay Area is one of the most beautiful places in the world to live. And I am very proud and priviledged to call it my home town. And so can you! The Bay Area has other large cities such as San Francisco, Oakland and San Jose's Silicon Valley.
Lets not forget the Best of San Francisco Bay Area's Restaurants and Theatre and Museum Districts!
Bottom line is that in today's evolving market, you need a Realtor that is involved with the ever changing guidelines to stay on top of the game for you - the client! WHAT DOES OUR COMMITMENT TO PERSONAL SERVICE MEAN TO YOU?
It means that we will focus on you and your dreams of Home Ownership
NOT SURE IF YOU CAN AFFORD YOUR DREAM HOME? After nearly 7+ years in the mortgage industry, I have established relationships with reputable and seasoned loan agents I can recommend. Ask me about FHA's low downpayment loans, VA & CAL-Vet loans, and Conventional financing today.
My name is Jeff De Loyola from the San Francisco Bay Area. Some of you may know me, but those who do not, my father was in the US Navy for 20+ years. And he was a proud of it because it allowed him a better life for his family in the US . Fortunately for my father, he was awarded all the benefits that our Filipino WW2 VET were cheated out of. It is my passion to see to it that those who are still alive and/or their surviving families finally receive their long overdue benefits.
Most recently, I’ve been collaborating with a commander at the American Legion of San Francisco to spread the word, “grass roots” style via word of mouth and/or the Social Networks to reach out to one Filipino WW2 VET and/or surviving families at a time. I will be meeting with him today to discuss: 1) reaching out to the WW2 VETS 2) Spread the word to the VETS regarding their 100% VA Home loan purchase of buying a home.
I had a few conversations regarding Identity Theft... which is why I am reposting this blog.
I recently enjoyed an episode of "The Apprentice" because the challenge and topic of the week was on Idenittiy theft. A serious matter and until it hits you close to home, it's not that big of a deal. Most recently, I've been working with a client who is trying to clean up a $7000 medical bill which became a derogatory account. And is effecting her credit and ability to purchase. The reason she discovered this major blemish is her desire to purchase her first home. We are usually oblivious to whats going on the back-end of our credit, but only to be surprise of the "identity theft" when we are purchasing, refinancing, or worst, receiving that unexpected "collection call or letter" demanding payment.
In this day and age, and if you are like me, I am embracing technology on a personal and business level, but there are bored computer geeks that have nothing more to do than create viruses and the worst of all, there are saavy tech-criminals around the world and the internet is not so far away. Coud this happen to you??? Perhaps now is the time to be cognizant as we embrace technology.
On a personal note, and the basis for this blog, a very good friend of mine, Gene Sarmiento of "Pre-Paid Legal", had been preaching this to me 2 years ago. He told me that we will be seeing rise on identity theft in the near future. I don't know what cyrstal ball he was looking into, but thats what i've been witnessing. As a result, and better late than never, I will be looking into this for myself, my client base, family & friends. I encourage you do the same!
VETERANS of the San Francisco Bay Area. You served your country with honor...Now let the VA and/or CAL-Vet Home Loan program which offers ZERO DOWN PAYMENT serve you and Welcome you into your new home. My dad, who served the US Navy for 20 years was a very proud man to have served his Country, and to have taken advantage of his VA benefit to purchase his 1st home here in Daly City, California. He has since passed, and my mom still lives there to this day. My passion and goal is assist you as your VA SF Bay Area Real Estate Agent into your new home.
Here is a snapshot of the VA Program:
100% Financing with no Mortgage Insurance
Loan amounts up to 700,000
Up to 4% Seller Concessions
Now is a great time to buy, and potentially purchase property in the San Francisco Bay Area. Take advantage of your VA benefits! I'd like to discuss the benefits of home ownership with you. Call me directly 415.407.6522 or visit us at http://www.thebestsfbayarearealtor.com
I hope you all are enjoying this Friday and ready for the mini "heat wave" we're expecting this weekend. I wanted to send another reminder of these programs that are available for you and/or someone who might be able to take advantage of it. Surprisingly, home owners upside down in the mortgages are not taking advantage of Obama's "Making Home Affordable" program. This program will not be around very long, so let's take advantage of it while we still can, or pass along this email. I'm also available for FREE Consultations on this.
Secondly, the 30 year conforming fix rates are still sizzling hot and historically low. We're simplifying our process each day for the home owners on the go. Stay tuned!
Once again, here's a snap shot of the much anticipated "Making Home Affordable" program announced by President Obama in February. This means that you may be eligible to refinance your home if you are "upside down" in your loan by 105% of the current value. We are offering the freddie mac relief refinance mortgage and the fannie mae du refi plus Effective Immediately!
Here's the snap shot:
Reduce interest rate on 1st mortgage
Replace arm, interest only, balloon/reset mortgage with a fix rate
1-4 units primary & investments, condo's, pud's, 2nd homes
Stated income/stated assets may be allowed, otherwise full doc
This program will be available to 4 to 5 million home owners who's mortgage is currently owned by Freddie Mac and Fannie Mae. However, not everyone will qualify, and there will be many who will assume they don't qualify. Help us spread the word and assist the many home owners who are in need.
Call us directly to determine your eligibility at 800.810.2080 ext. 101.
Notes:
•· Do to the "High Volume" of home owners refinancing, to have us respond to your needs faster and determine your eligibility, please complete the information at: http://www.jfcapitalmortgage.com/PreQualify.htm and we will contact you within 24 -48 hours.
I recently enjoyed an episode of "The Apprentice" because the challenge and topic of the week was on Idenittiy theft. A serious matter and until it hits you close to home, it's not that big of a deal. Most recently, I've been working with a client who is trying to clean up a $7000 medical bill which became a derogatory account. And is effecting her credit and ability to purchase. The reason she discovered this major blemish is her desire to purchase her first home. We are usually oblivious to whats going on the back-end of our credit, but only to be surprise of the "identity theft" when we are purchasing, refinancing, or worst, receiving that unexpected "collection call or letter" demanding payment.
In this day and age, and if you are like me, I am embracing technology on a personal and business level, but there are bored computer geeks that have nothing more to do than create viruses and the worst of all, there are saavy tech-criminals around the world and the internet is not so far away. Coud this happen to you??? Perhaps now is the time to be cognizant as we embrace technology.
On a personal note, and the basis for this blog, a very good friend of mine, Gene Sarmiento of "Pre-Paid Legal", had been preaching this to me 2 years ago. He told me that we will be seeing rise on identity theft in the near future. I don't know what cyrstal ball he was looking into, but thats what i've been witnessing. As a result, and better late than never, I will be looking into this for myself, my client base, family & friends. I encourage you do the same!
We are pleased to finally offer the much anticipated making home affordable program announced by President Obama in February. And the Freddie mac relief refinance mortgage & the fannie mae du refi plus - effective immediately!!
Reduce interest rate on 1st mortgage
Replace arm, interest only, balloon/reset mortgage with a fix rate
1-4 units primary & investments, condo's, pud's, 2nd homes
Stated income/stated assets may be allowed, otherwise full doc
Do to the "High Volume" of home owners refinancing, to have us respond to your needs faster and determine your eligibility, please complete the information at: http://www.jfcapitalmortgage.com/PreQualify.htm and we will contact you within 24 -48 hours.
Have you heard? Freddie Mac said that the average 30-year fix rate mortgage fell to a new 37 year low as existing home sales continued to fall. Now is your time to refinance out of your ARM before it resets and/or secure a lower 30 year fix rate. Some points to consider as well, property values in certain counties may fall as well if home sales continue to fall, which will affect the loan-to-value and the ability to refinance in the future (call me directly for clarification).
Our goal and mission is to serve the hardworking class families of California. We thrive in improving our process utilizing technology to shop and negotiate the lowest interest rate on your behalf. As a result, many home owners are currently refinancing, to have us respond to your needs faster, please fill in the information at: http://www.jfcapitalmortgage.com/PreQualify.htm. Also, concerned about your value, we will request a FREE Comp Analysis.
Invest ten minutes in your financial future. Call us today for a FREE consultation
America Thanks You for your Service! The VA home Loan program welcomes you home - California Veterans.
Insured by the Veterans Affairs Department, VA Home Loans allows eligible Veterans 100% home financing - this means:
* No down payment * No private mortgage insurance * No 20% second mortgage * Easier approvals
Plus VA Home Loan rates are often lower than interest rates offered for conventional loans, with no prepayment penatly.
To learn more about this valuable veteran benefit, Give Us a Call. 800-810-2080 ext. 101
Vist us online http://www.jfcapitalmortgage.com/VA_Loans.htm
You've served your Country. Let us return the favor for you California Veterans!
A personal testimonial, my father served the Navy for 20+ years. He bought his home using the VA Benefits. He was a proud man to be in the Navy and very proud to achieve the American Dream of Homeowership for his family.
Testimonials
"Jeff did a great job with my loan for a new home purchase with no strings attached and is always willing to respond to my questions. He has a vast knowledge of loan programs and will find the right loan for you, not to mention he is great at relationship building. I've recommended him to my friends and family, all of which are highly satisfied. Great job Jeff!" Glenn & Antoinette "I HIGHLY
"I Highly reccommend the services of Jeffrey De Loyola. I have known Jeff professionally over 15 years." Rose
"Jeffrey is a detailed oriented person and will take his time working with you to ensure that his client is getting the best deal. He will work hard to make it happen and cost effective in getting your loan approved." Sheila
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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