Hemet Mortgage and Real Estate Blog

Hot real estate domain names for sale from the Hemet Home Loan Guy

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 25 Jun 2009 00:08:36 -0500

While I was in mortgages, online lead generation was a big deal to me.

I own several domain names that are for sale. Some are great for real estate agents, some for mortgage people, some for trainers...one even for casinos :) Some of these already have backlinks all over the net.

If you're interested in any of the following domain names, go to www.sedo.com and make an offer, or visit the site and click on the right hand side of the page:

MORTGAGE DOMAIN NAMES:

HemetHomeLoans.com
HemetRefi.com
HemetRefinance.com
CaliforniaLoanReport.com
CaliforniaMortgageReport.com
HemetMortgageBlog.com
HemetMortgageReport.com
HomeLoanHemet.com
IdyllwildLoans.com
MakingHomeLoansEasy.com
SanJacintoLoans.com
SanJacintoHomeLoans.com

REAL ESTATE DOMAIN NAMES:

HemetBlog.com
HemetStuff.com
RealAgentHelp.com
HelpingRealtorsGrow.com

SALES/REAL ESTATE TRAINING:

RealAgentHelp.com
HelpingRealtorsGrow.com
7Secrets2Success.com
7Secrets4success.com
HemetRealEstateTraining.com

CASINO/ENTERTAINMENT:

HemetPoker.com

Important News from the Hemet Home Loan Guy

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 21 May 2009 03:18:55 -0500

I have given my notice of resignation to Patrion Mortgage, effective June 1st, 2009.

I am taking a 3 month sabbatical. There's a good chance that at the end of this much-needed break I won't return to working in the real estate industry.

As you can imagine, this was a big decision for 'The Hemet Home Loan Guy' and for my family. Those who are close to me no doubt noticed my struggle with this decision over the last several months.

The projects that will receive my greatest attention during my sabbatical are my wife's amazing photography business, homeschooling our four incredible kids, moving my in-laws here to Aszterbaum Farm, deciding whether to continue my studies at Hope International University (towards teaching or ministry) and visiting a new monastic community to see what God is doing among the poor here in the U.S.

During my leave from the loan business, I want to strongly encourage you to turn to Hilary Wilkinson at Patrion Mortgage as your professional home loan consultant.

Hilary's phone number is 951.571.5756 and her email is hwilkinson@patrionmortgage.com. Please take a moment and add this to your phone or address book so that when you need help you can turn to her.

Hilary was my production assistant until she was promoted to Mortgage Loan Consultant five months ago. If I helped anyone with a loan these last several years, Hilary was instrumental in making sure it was a good experience. I trust her wholeheartedly to serve the Realtors, homeowners and homebuyers that I care about.

I want to thank all of my friends: Realtors, clients, credit union members, co-workers, my success team partners and my competitors in the mortgage business. The last six years have been a time of hard work, good friendship and personal growth.

Allow me to publicly and specifically thank the following people:

Dana Moore, recruiting goddess at Altura Credit Union. For hiring me back in 2001, for guiding my career path through the organization and for being so open and honest. You go, Danamo!
David Constantino, President of Patrion Mortgage for taking a chance on me when I had no mortgage experience, and for being my example of what responsibility and leadership look like.
Dawn Williams, Vice President, for being such a dear friend, inspiration and my biggest cheerleader. Somehow you knew how to bring out the best in me and I never felt that I had to hide my true self, which is remarkable in this tough industry.
Eric Lofholm, my sales coach and mentor. Eric was the secret ingredient in my business and there's simply no way I would have been able to stay in the business so long or to enjoy such phenomenal success if it weren't for him. I can't help but advertise for him! If you're in business, you need to start working with Eric right away.
Mike McKinlay, Fidelity Title for being my first 'Success Team' partner. Your encouragement, accountability, friendship and prayers mean so much to me. You exemplify to me what integrity and priorities look like.
Hilary Wilkinson, Mortgage Loan Consultant...I already bragged on you, but let me also say that I'm blown away by your strength and growth these last years.
Graham Holmes, REviron Realty. Your humility and gentle spirit were a real source of healing to me when life and business got tough, and are unique gifts in the world of real estate. I'm so glad to be your friend and to be a part of St. Alban's with you and your beautiful family.
The Hemet-San Jacinto Association of Realtors. What a great bunch of people who make a real difference in the lives of this community, both through their work and through their charity fundraising. Especially DaVina, Dee and Linda for keeping things going - you are awesome!
The rest of my Success Team: Judee Edgerton at American Home Shield, Sam Mitchell at Mitchell & Associates Appraisers and Toni Knopp at Patrion Insurance. I can't recommend them highly enough.

I can't list everyone...but please know that I thank God for all of you and wish you the best.

If you would like to keep in touch with me on a personal level, here is a link to my facebook profile.

Grace and peace,

Joey Aszterbaum
The Hemet Home Loan Guy

Asbestos Prevention, Tips and Healthy Alternatives for Homeowners

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Tue, 05 May 2009 13:50:16 -0500

There are many things to consider when remodeling, purchasing or receiving a home mortgage loan. When receiving a mortgage, it is the transfer of an interest in property to a lender as security for a debt. Many new responsibilities will need to be undertaken at this time. Having the assistance of a professional mortgage loan consultant and real estate agent can make all the difference in the world. The road to owning a home is a wonderful experience, but one that requires new responsibilities. Homes that are newly purchased may require additional remodeling or repairs.

In many cases, obsolete building materials may still be present which can pose several risks. Since the late 1800's until the early 1980's, asbestos was regarded as the ideal method of insulation and piping in industrial applications throughout the world. Highly sought after throughout the 20^th century, asbestos gained heavy use due to its fire, heat and weather resistant qualities.

Located in the Southwestern part of the United States, California is known for its beautiful weather, gorgeous scenery, arts, culture, entertainment industry and tourism. The state of California provides a great environment for active lifestyles and is regarded as one of the top states to call home.

Although asbestos exposure does not always pose health risks, it is still highly recommended that homebuyers determine if asbestos containing building materials are present. Exposure to asbestos is easily avoidable by taking simple precautions. The state is also leading the way towards a green paradigm, featuring eco-sustainable methods of construction and living. Many of these healthy insulation options are available for home use. Not only do these materials replace the need for hazardous materials, they can even reduce annual energy costs.

The long term inhalation of airborne asbestos fibers can cause a rare, but severe lung ailment known as mesothelioma. Manufacturers of asbestos were aware of its toxic qualities, but repressed any evidence that demonstrated that. Due to the fact many mesothelioma symptoms are similar to less serious ailments, mesothelioma diagnosis is one of the more difficult tasks physicians encounter. There are a number of factors that can impact mesothelioma survival rate. These factors include latency period, age of diagnosis and cigarette smoking.

Implementing and enforcing the state's environmental protection laws, The California Environmental Protection Agency ensures clean water, air, soil and waste recycling is performed throughout the state. This agency is at the forefront of science and research to lead to a cleaner, healthier planet for all. With a variety of home materials on the market still not banned b the federal government, there has been an overwhelming amount of concerned citizens regarding asbestos exposure.

With increasing technology and public initiatives, green alternatives exist which allow for an asbestos free environment. These healthy insulation alternatives include cotton fiber, lcynene and cellulose. According to studies performed by manufacturers, the use of cotton fiber can reduce annual energy costs by 25 percent! These options will provide a safe and healthy home, free of any damaging materials.

Recently, congress passed the American Recovery and Reinvestment Act into law. Included in this act were extensions to the tax incentives placed for energy efficiency in 2005, as well as new credits for homeowners who remodel or build using eco-sustainable methods. Some of the measures that are eligible for tax credits include added insulation to walls, ceilings, or other part of the building envelope that meets the 2009 IECC specifications, sealing cracks in the building shell and ducts to reduce heat loss. Storm doors paired with U-factored rated wood doors are also eligible.

Special thanks to Jesse Herman and Paul James from the Mesothelioma Cancer Center for their assistance with this blog post.

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751

1st Quarter Check-Up! Real Agent Help Breakfast

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Fri, 03 Apr 2009 19:46:12 -0500

UPDATE: Due to a personal injury, this month's breakfast is Canceled. We will resume the breakfast next month.

Real Agent Help Monthly Breakfast - 1st Quarter Check-Up!

April 1st is an important day. NOT because it's April Fool's Day...it's the first day of the second quarter!

How is 2009 going for you?
How are you doing on your plan? Your goals?
What challenges are you facing?
What victories are you enjoying?

Have fun, eat well, and be encouraged to succeed at a higher level this year!

What is the Real Agent Help Breakfast?

The Real Agent Help Monthly Breakfast is the premier real estate networking event in the Hemet region in Riverside County, California. Join us for a quality breakfast, an opportunity to share a need or a listing you have, great educational content and tools to grow your real estate business.

Thursday, April 9th from 8:30-10:30am
Mimi's Cafe in Hemet
Seating is limited, cost $10 (donation goes to local charity)
RSVP at 951.571.5751

This months' generous sponsor is Judee Edgerton from American Home Shield.

Don't miss this positive conversation about real estate excellence. Register TODAY.

...................................Seating is limited. To register now, call 951.571.5751....................................

What is Real Agent Help?

The Real Agent Help program is designed to help you reach the next level in your real estate business through quality sales training, networking events, and one-on-one consulting.

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Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Live Broadcast of Social Networking Seminar today from Corey Wright

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 26 Mar 2009 13:21:07 -0500

Corey Wright, from Wright Brothers Communications is giving a seminar to 100 Realtors on social networking today at 1:45pm (PST)...and you can watch it live on your computer.

This month I have had 3 referrals from Facebook alone.

I've heard Corey speak and had him as a guest speaker at the Real Agent Help breakfast in Hemet on keeping in touch using a unique email system. I do business with his company because they do an amazing job.

Click here to watch the social networking seminar.

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What is Real Agent Help?

The Real Agent Help program is designed to help you reach the next level in your real estate business through quality sales training, networking events, and one-on-one consulting. To learn more, click HERE.

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Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Riverside County First Time Home Buyers - Classes available

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Wed, 25 Mar 2009 12:29:41 -0500

Riverside County has down payment assistance programs for first time buyers in Hemet, San Jacinto, Murrieta, Menifee and the surrouding areas of Riverside County. All first time buyer programs require that you take a first-time home buyers class.

Most of these classes take 8 hours on a Saturday. They are very educational and go over the in and outs of buying real estate for the first time.

Some of these classes cost money UNLESS you are taking it for the Riverside County EDA down payment assistance programs, so be sure to mention this.

Here are the authorized classes for these programs:

Neighborhood Housing Services
525 Technology Court, Ste 101
Riverside, CA 92507
(951) 300-1757

Neighborhood Housing Services
1390 North D Street
San Bernardino, CA 92405
(909) 884-6891

Fair Housing - Riverside
3933 Mission Inn Ave
Riverside, CA 92501
(800) 655-1812

Rancho Housing Alliance
53-990 Enterprise Way, Ste 1
Coachella, CA 92236
(760) 391-5883

For More Information on these first-time home buyer programs, call me at 951.571.5751.

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

A Special Real Agent Help Breakfast - The Jason McKay Memorial Scholarship

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Fri, 06 Mar 2009 14:06:37 -0600

Real Agent Help Breakfast

One of the things that makes the Real Agent Help Breakfast unique is it's dedication to supporting non-profit and charity organizations in Hemet and San Jacinto.

This month's proceeds will go to the Jason McKay Memorial Scholarship. Will Burger, the president of the scholarship committee and the son of local Realtor Gerri Burger, Coldwell Banker Kivett-Teeters, will be here to share about the scholarship that honors their family friend who was killed in the 2006 Esperanza fires.

In addition to this special presentation, The Hemet Home Loan Guy will give a presentation on the current state of mortgage lending and an overview of the programs available.

FHA loans - down payments, gifts, credit scores and more
Investment Property loans - down payments, credit scores, loan fees
County and State down payment assistance programs - CalHFA, Riverside County FTHB, etc.

What is the Real Agent Help Breakfast?

Thursday, March12th from 8:30-10:30am
Mimi's Cafe in Hemet
Seating is limited, cost $10 (donation goes to local charity)
RSVP at 951.571.5751

This months' generous sponsor is Patrion Mortgage.

Don't miss this important, positive conversation about personal performance. Register TODAY.

...................................Seating is limited. To register now, call 951.571.5751....................................

What is Real Agent Help?

The Real Agent Help program is designed to help you reach the next level in your real estate business through quality sales training, networking events, and one-on-one consulting.

................................................................................................................

Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Hemet remembers firefighter Jason McKay, Jury closes in on arson verdict

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Fri, 06 Mar 2009 13:48:02 -0600

Firefighter Jason McKay and three other firefighters were killed in the line of duty on October 26, 2006 when the Esperanza fire overran their fire engine. A fifth died days

The Jason McKay scholarship honors his memory and sacrifice by helping students enrolling at MSJC (Mt. San Jacinto Community College) to become firefighters, EMTs or other first responders.

The scholarship gives up to $500 to students that can be used for education and equipment. For example, the types of boots that a firefighting student needs can cost about $250.

Raymond Lee Oyler stands accused of arson and murder for the Esperanza fire. Jurors in that trial may hand down a verdict as soon as today, including the possiblity of death penalty.

Donations to the Jason McKay Memorial Scholarship can be deposited at Provident Bank, 1690 E Florida Ave, Hemet, CA 92544. For more information on how to donate or to apply for the scholarship you can contact Will Burger at the offices of Congresswoman Mary Bono Mack by calling (951) 658-2312 ext 15, or by mobile phone (951) 973-4343 or email willburger@gmail.com.

On Thursday, March 12th, Mr. Burger will be giving a presentation to local Realtors at the Real Agent Help Breakfast at Mimi's Cafe. All proceeds from the breakfast will go to the scholarship.

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

Foreclosure, Bankruptcy and FHA - How long do I have to wait to buy a home?

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 05 Mar 2009 12:57:28 -0600

Because of the economy, more and more people are wondering what the consequences of their bankruptcy or foreclosure are in regards getting a mortgage loan and buying real estate.

How long do I have to wait to buy a home after a foreclosure?
How long do I have to wait to get a home loan after declaring bankruptcy?

The rules for FHA and conventional loans are different, so I'm going to go with FHA, since they're easier.

Foreclosure

Three years needs to pass, with good payment history, after a foreclosure to get approved for an FHA loan. There are exceptions to this but they are very restrictive - Only serious illness or death of a primary wage earner. Job loss, transfer or inability to sell the home do NOT count as exceptions.

Bankruptcy - Chapter 7

Two years need to pass, with good payment history, after a chapter 7 bankruptcy is DISCHARGED to get approved for an FHA loan. There is an exception down to one year under strict guidelines - Must show that the circumstances were out of your control and that you have the ability to manage your finances since the BK.

Bankruptcy - Chapter 13

A buyer can qualify for an FHA loan with a Chapter 13 bankruptcy as long as they have had at least 12 months with a good payment history according to the plan.

Other important notes:

These items stay on your credit for as long as 11 years.
Bankruptcy or foreclosures within the last 7 years must be disclosed on your mortgage application. Late payments after these types of events are an easy way to get denied.
Patrion can only give a mortgage loan to someone with a credit score of 620 or higher. If you meet the above guidelines, but haven't built up your credit over 620, you wouldn't qualify.

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

Feeling Good in a Scary Economy - Real Agent Help Breakfast

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Fri, 06 Feb 2009 15:01:19 -0600

Feeling Good in a Scary Economy

There is no shortage of bad news in the Inland Empire, especially for those of us that work in the field of real estate.

This month at the Real Agent Help breakfast we will discuss ways to enjoy life, manage our emotions and still get results whatever is going on. Included:

Taking positive action when I feel like giving in
What to do if my spouse is stressing out
Setting the right goals when the future is uncertain

What is the Real Agent Help Breakfast?

Thursday, February 12th from 8:30-10:30am
Mimi's Cafe in Hemet
Seating is limited, cost $10 (donation goes to local charity)
RSVP at 951.571.5751

This months' generous sponsor is Sam Mitchell, Mitchell & Associates Appraisers

Don't miss this important, positive conversation about personal performance. Register TODAY.

...................................Seating is limited. To register now, call 951.571.5751....................................

What is Real Agent Help?

The Real Agent Help program is designed to help you reach the next level in your real estate business through quality sales training, networking events, and one-on-one consulting.

................................................................................................................

Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Now Hiring: Sr. Real Estate Support Specialist

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Fri, 21 Nov 2008 01:51:46 -0600

Hello friends...I'm hiring!

This is a very challenging and rewarding position at an exciting and growing mortgage company.

This is a full-time job with great compensation and benefits for someone with strong administrative skills. Experience in mortgage loan processing, real estate and/or escrow is a real plus. No foreign language is required; however, fluency in Spanish is preferred.

Looking to hire someone who loves helping people and making things work. Ability to manage and prioritize time-sensitive tasks, execute accurately according to procedure, engage challenges with a positive attitude, show initiative and creativity in finding solutions to help the team succeed.

Below is the job description. If you know someone who might be a good fit, have them fax their resume to 951.571.5919 or email to joey@joeyloans.com. We're intent on hiring soon, so waste no time.

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Job Title: Sr. Real Estate Support Specialist
Department: Patrion Mortgage, LLC, a division of Altura Credit Union
Reports To: Vice President of Sales
FLSA Status: Non-Exempt/Hourly
Salary: Starts at $14.73 - $18.41/hr

SUMMARY
Supports External Mortgage Loan Consultant by inputting and reviewing applications, assisting with sending required disclosures, answering phone calls, setting appointments, managing the loan pipeline and supporting marketing efforts. Serves as the liason between the Mortgage Loan Consultants, their clients, and the operations staff (Underwriting, Docs, Funding).

ESSENTIAL DUTIES AND RESPONSIBILIITIES
- Actively supports and promotes Patrion Mortgage's core values, statement of purpose, BHAG, strategies and 'Stakeholders' reward compensation model.
- Reponsible for following process improvement methodology as communicated through training and Altura Credit Union's overarching quality initiatives.
- Responsible for understanding and complying with Bank Secrecy Act regulations
- Responsible for reporting to work on time, taking required breaks, and working for the full amount of time scheduled before leaving, or notifying the supervisor if any deviation from these responsibilities is necessary.
- Provides clerical support to Patrion Mortgage's loan officers by standardizing and maintaining organized filing systems, while anticipating departmental processes and needs.
- Responsible for uploading partial and completed applications from the loan officers' websites to the In House Mortgage Loan Origination System.
- Makes introductory calls and follow up emails to borrowers and Realtors, and requests additional information if needed to complete the loan package.
- Follows up with files in process.
- Re-runds Automated Underwriting System (AUS) with updated information.
- Responsible for maintaining loan application log, and inputting information into HMDA to comply with appropriate regulations.
- Responsible for monitoring pipeline from set-up, underwriting, funding and post-closing.
- Responsible for monitoring locks and 'Must Fund' dates for lock explanations and extensions.
- Responsible for communication between the Mortgage Loan Consultants, Realtors, Borrowers and Operations.
-Repsonsible for assisting Mortgage Loan Consultants by forwarding package for pre-approval, ordering preliminary title reports, opening escrow and ordering appraisals, and following up on Loan Action Reports (LAR).
- Prepares permanent loan file, and fastens the documentation in the standard guidelines or guidelines required by investors.
- Pre-doc and move to docs.
- Validates conditions reflected on the LARs and monitors progress on all LARs and conditions.
- Attends various seminars and/or training programs to enhance lending knowledge.
- From time to time, special projects may require a departure from or an addition to regular duties.
- Responsible for using integrity when using the performance review system.
- Other essential duties may be assigned by the supervisor.

SUPERVISORY RESPONSIBILITIES
none

QUALIFICATIONS
To perfom this job successfully, an individual must be able to perform each essential duty accurately and in a timely manner, showing initiative and positive attitude. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accomodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE
- High School diploma or equivalent is required.
- Two (2) years college and/or minimum three (3) years retail mortgage production experience, or equivalent.
- Demonstrated knowledge of selling and servicing activities and requirements.
- Demonstrated ability to produce documents, spreadsheets, databases, etc. with Windows-based software. Prior experience with mainframe transactions required, as well as proficiency with the internet.
- Excellent listening skills necessary in order to follow instructions given to complete new tasks.
- Excellent communication skills, both writeen and verbal.
- Strong interpersonal skills in order to effectively communicate with Altura Credit Union members ans well as Patrion Mortgage, LLC and credit union staff and management.
- Excellent organization skills, with the ability to manage and prioritize multiple projects and tasks under heavy deadlines.
- Ability to type 40 WPM and the ability to type for up to 80% of the workday.
- Notary Public experience preferred.
- Ability to provide accurate, consistent and personalized service.
- Ability to cooperate and work harmoniously with a group.
- Ability to be patient, steady, and have a high tolerance for repetitive tasks.

LANGUAGE SKILLS
No foreing language is required; however, fluency in Spanish is preferred.

MATHEMATICAL SKILLS
Proficient math skills - ability to add, subtract, multiply, divide and calculate averages and percentages.

REASONING ABILITY
- Ability to follow instructions and use common sense in making decisions and problem-solving under normal and stressful situations.
- Ability to assemble facts, weigh alternative solutions and make sound decisions with som assistance.

PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to succesfully perform the essential functions of this job. Reasonable accomodations may be made to enable individuals with disabilities to perform the essential functions.

- The ability to sit at a desk, use a computer by typing on a keyboard or a 10-key calculator up to 80% of the workday, file and retrieve documents from a file cabinet, and occasionally leave the work station to walk arond and deliver mail and other documents to other work areas.
- This job does not require a person to lift and/or move more than 20 pounds. Personal protection equipment is available.

WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accomodations may be made to enable individuals with disabilities to perform the essential functions. The work environment consists of a typical office environment, which includes working at a desk, using a telephone, copy machine, fax, etc.

Realtors, Keep in Touch With Your Clients! Real Agent Help Breakfast

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Mon, 03 Nov 2008 17:59:46 -0600

"Learning about email should be this much fun!"

The Wright Brothers have created a fun and simple way to keep in touch with your prospects and build your business.

Come hear Corey Wright share the details of this powerful new tool and how to use email communication to make a huge difference in your 2009 results!

www.WrightBrothersCommunications.com

What is the Real Agent Help Breakfast?

Thursday, November 13th from 8:30-10:30am
Mimi's Cafe in Hemet
Seating is limited, cost $10 (donation goes to local charity)
RSVP at 951.571.5751

This months' generous sponsor is Sam Mitchell, Mitchell & Associates Appraisers

You're not going to want to miss this important and timely information!

...................................Seating is limited. To register now, call 951.571.5751....................................

What is Real Agent Help?

................................................................................................................

Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Mortgage Interest Rates Volatile - Stay Informed With This Daily Update

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Wed, 15 Oct 2008 17:38:28 -0500

Do you know what today's mortgage rate is? It went up .25% from yesterday!

With the real estate market the way it is, some people want to know what the rates are doing. I've put into place a way for you to stay updated every day...on your cell phone!

If you want to know what the rates are at today with a short text message, you can read THIS ARTICLE and set it up. Or, if you prefer not to get an occasional text message, add THIS WEBSITE to your favorites and check up on it when you please.

Note: the published rate is only a guideline. It assumes a score of 720, 20% down purchase, primary residence, fully documented income and assets. To get an accurate rate quote, you should always speak to a mortgage professional that you trust. This will, however, give you an idea of how rates are moving.

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

#1 Short Sale Trainer Coming to Hemet - Real Agent Help Breakfast

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Wed, 01 Oct 2008 12:18:54 -0500

Learn To Achieve an 80% Closing Ratio on Short Sales!

#1 Short Sale Trainer Jason Swodeck will share with you the secrets of short sales, including..

When to Walk Away
Improving Your Closing Ratio
Proven Successful Marketing Strategies
IRS Tax Liability

...and more!

www.TheShortSaleMatrix.com

What is the Real Agent Help Breakfast?

Thursday, October 9th from 8:30-10:30am
Mimi's Cafe in Hemet
Seating is limited, cost $10 (donation goes to local charity)
RSVP at 951.571.5751

This months' generous sponsor is Mike McKinlay, Fidelity National Title.

You're not going to want to miss this important and timely information!

...................................Seating is limited. To register now, call 951.571.5751....................................

What is Real Agent Help?

................................................................................................................

Top Hemet Real Estate Articles:

Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

Check Your Credit Report for Free

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Wed, 17 Sep 2008 14:52:52 -0500

Countrywide Home Loans has revealed that there was a security breach and that people who have their mortgages with their company may have had their social security numbers compromised.

When you get a home loan, you give plenty of information. Enough needed to become a serious victim of identity theft.

Identity theft experts recommend that you check your credit at least once per year, and the federal government has given you the right to do it at no charge.

I've done it. Turns out, it's very easy and fast. I recommend that you do it, too.

There is no catch to get a full copy of your credit report. If you want your FICO scores, however, you may have to pay about $7.95 for each repository. There are three credit repositories (the credit companies), Equifax, Experian and Transunion.

Visit www.annualcreditreport.com and follow the instructions. It took me about 5 minutes to find and print a report from each repository.

If you would rather do it by mail, you can write:

Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283

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Top Hemet Mortgage & Real Estate Articles:

Looking to buy real estate?

Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751

FHA down payment will change January 1, 2009

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Tue, 16 Sep 2008 16:17:26 -0500

Hilary Wilkinson is an indispensable part of my loan team. She posted her first blog article on Active Rain. This is quality information from someone who is a valuable part of the local real estate community. Enjoy!

Via Hilary Wilkinson:

I thought this would be an excellent topic for my first blog post...

We got word today that a new mortgagee letter was issued by FHA. FHA will be ringing in the new year with a new down payment requirement. The current minimum down payment is 3% and that will increase to 3.5% as of January 1st.

I know this may not seem like much, but to some this will make or break their deal. Since the first word of "Seller Contributed" down payment assistance going away I have been advising my clients to save their pennies for their down payment and a half of a percent increase could mean a lot more pennies.

If you have buyers that have been sitting on the fence, this information may be just enough to help them take action. Not to mention that mortgage rates are great right now.

I hope that you find this information helpful and are happy to hear about it in advance, not on January 2nd.

Hilary

Golf Tournament at Seven Hills Golf Course Benefitting Hemet High School Varsity Cheer

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Mon, 08 Sep 2008 16:48:11 -0500

GO HEMET!

The Hemet High School Varsity Cheer Squad are having a fundraising golf tournament with games, putting contest, prize drawings and a tasty dinner.

When: Sunday, September 28, 2008
Time: 1:00 pm Shotgun Start
Check In: 11:00 am
Place: Seven Hills Golf Course
Cost $75.00

The tournament will be a four man scramble. Contact Connie Kirk at 951.966.9657 or Amy Kenny at 951.765.5150 to reserve your spot!

If you don't feel like golfing but would still like to help the HHS cheer program, please sponsor a hole! The event is tax deductible and all proceeds go to the Hemet High School Varsity Cheerleading Program.

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Those are original cartoons. If you use them without permission you will have legal problems. :)

OUT OF FUNDS - Riverside County First Time Home Buyer Program Is Out Of Funds

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Mon, 08 Sep 2008 14:33:26 -0500

Just last week I posted that the Riverside County EDA FTHB Program was running out funds fast.

The Hemet Home Loan Guy has received word that they've stopped accepting applications as of today. The applications that were submitted before today but don't have the money reserved yet may or may not receive the down payment assistance.

The RHP also offers 20% down and is very similar to the FTHB. Notable differences? This interest-free and payment-free silent second mortgage is forgiven after 45 years (instead of 15), or if the buyer sells the home at or below the County's affordability limits. Also, this program ONLY works for homes outside of city limits (in unincorporated County areas). One nice feature? The income limits are higher...120% of the median income in Riverside County.

In July, the RHP had over twice the amount available as the FTHB. Where does it stand now?

My office has calls in to the EDA to find out. As soon as I know, I will post it.

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That's an original cartoon, so if you use it without permission you will have legal problems. :)

Riverside County First Time Home Buyers Program Running Out Of Funds FAST.

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Wed, 03 Sep 2008 19:45:45 -0500

***CLICK HERE FOR AN IMPORTANT UPDATE.***

The Hemet Home Loan Guy reported recently that the community down payment assistance programs HART and Nehemiah are going away by October 1st.

Looks like another great source of help for buyers in Hemet and the surrounding areas is going away by that same date: The Riverside County EDA First Time Home Buyers Program.

The program offered up to 20% (maximum $75,000) down payment assistance to first time home buyers with low income (80% of the County median income). The buyers are not required to make any payments on the down payment assistance, and if they kept the home for 15 years the second mortgage is forgiven.

The program had just been funded July 15th, but notice came out today from the Economic Development Agency that it was set to run out of funds by the end of September. That means that all the money for qualified first time home buyers had been used up within just over two months!

Home prices in the Inland Empire (Hemet, San Jacinto, Temecula, Murrieta and the surrounding areas of Riverside County) have dropped substantially. The good news is that more working class families have been able to take advantage of great programs like this. The bad news? That the programs have run out of funds in record time. Some programs show no sign of coming back in these difficult economic times.

There is another program from the Riverside County EDA that is for Moderate Income first-time buyers (those who make 120% or less of the median income) called the Redevelopment Homeownership Program.

In July, the RHP had over twice the amount available as the FTHB. Where does it stand now?

My office has calls in to the EDA to find out. As soon as I know, I will post it.

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That's an original cartoon, so if you use it without permission you will have legal problems. :)

Make A Difference in Your Business - And for the Troops! Real Agent Help Breakfast

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Tue, 02 Sep 2008 19:32:49 -0500

A Special Real Agent Help Monthly Breakfast on September 11th

........FOR THE TROOPS!

On this anniversary of 9/11 we will be collecting items to put in gift boxes for the troops. Bring candles, socks, goodies, etc. Typically there is a $10 donation requested for this free breakfast. You can always bring more or less. This time, the cash donations will buy more supplies. For a list of items to bring, call Judee Edgerton at (951) 218-2450.

........BROKER'S HELPER!

Spend your time SELLING, not marketing!

Broker's Helper is an exciting and powerful new marketing tool that will make your real estate business more successful. Frank Jurado will share about this great opportunity to grow your business...

Agent Websites
Unlimited Property Websites
E-Mail Property Flyers to Agents
Unlimited E-mail Marketing Campaigns
Over 1500 Postcard Campaigns
Contact Management Database
Fully Branded Promotional Items

...and a whole lot more!

The generous sponsor for this month's breakfast is Mike McKinlay and Fidelity National Title.

Seating is limited. To register now, click HERE.

What is Real Agent Help?

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Joey Aszterbaum is the Hemet Home Loan Guy and the loan officer that helps Realtors grow their business.

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Movie Review: Traitor (Now playing at the Hemet Movie Theater)

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Mon, 01 Sep 2008 23:39:05 -0500

When I go to see a movie, all I want is a great story, powerful performances, a few laughs and a way of looking at the world that challenges my mind. Is that too much to ask? :)

Okay...that is too much to ask of every movie, I know. But in this case, Hollywood has delivered.

Traitor is a pulse-pounding thriller. But it's more than that. It's the story of a man of faith (Hotel Rwanda's Don Cheadle) stuck in the middle of the war on terror.

I was shocked that critics were 'meh' on this movie. I was riveted. It worked as a mystery, as a thriller, and as a meditation on the boundaries between religious conviction and civil duty.

Another surprise: The moview was co-written by Steve Martin. Yes, the legendary comedian who, nonetheless, is in the Pink Panther remakes.

The biggest surprise: this is from the same director that brought us the clunky piece of eco-disaster The Day After Tomorrow - Jeffrey Nachmanoff.

I also think that, like Hotel Rwanda, the movie works as political propoganda. I can't help but think that this is the sort of movie that could actually change hearts and minds in regards to radical Islam. It didn't paint a black and white picture of the west versus the middle east, but recognized the tensions and hypocrisy in both...presenting compelling portraits of both an FBI straight-arrow (LA Confidential's Guy Pearce) that is the son of a baptist preacher AND a terrorist cell leader (Saïd Taghmaoui) trying to stay true to his convictions.

Ignore the critics. This one is a must see.

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Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. To buy or refinance your home in Hemet, Riverside County, or California visit www.HemetHomeLoans.com or call 951.571.5751.

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Karen George, Rest In Peace

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Sun, 24 Aug 2008 18:09:55 -0500

A day is coming when God himself will wipe our tears away.

We will turn the rifles into spades and the tanks into tractors.

Lions and lambs will play together in the fields.

And there will be no more cancer.

Thank you for doing my dad's home loan on his Arizona condo.

Say hello to Jesus for me.

East Hemet Home with Large Lot - $124,900

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 14 Aug 2008 14:29:55 -0500

2740 E Devonshire
Hemet, CA 92544
Big Lot - Big Value!

Loni Vogler

Mobile:	(951) 323-0633
Office:	(951) 492-4637
Website:	Visit Website

Price	:	$124,900
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,464
Lot Size	:	8,276
County	:	Riverside
Property Type	:	Detached
Year Built	:	1985

click for more pictures

Property Description

This 3BR/2BA home is ready for you! 8000 square foot lot located on the corner for added privacy. Covered patio out back offers shade for summer barbeques. The fireplace, surrounded by built-in shelves, is in the spacious great room. The cute kitchen is accented by a garden window over the sink. Bedrooms are roomy, and the established landscaping is gorgeous!

Equal Housing Opportunity.

RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633

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Great Home in a Great Community at a Great Price! $135,000

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 14 Aug 2008 14:26:06 -0500

2190 Juneberry Ave
Hemet, CA 92543
Lovely Laurel Park Home!

Loni Vogler

Mobile:	(951) 323-0633
Office:	(951) 492-4637
Website:	Visit Website

Price	:	$135,000
Bedrooms	:	3
Bathrooms	:	2
Square Foot	:	1,256
Lot Size	:	4,356
County	:	Riverside
Property Type	:	Detached
Year Built	:	1992

click for more pictures

Property Description

It's a challenge to find a nice home, and it's even harder to find a nice home in a great community. Well, the search ends here!!! This house is adorable, with a beautifully landscaped lot! The living room is spacious and the glass-doored tile fireplace adds warmth and charm. The decorator touches throughout this home will put a smile on your face and a spring in your step! Lovely wallpaper and wainscoting grace almost every room! The kitchen is compact, but has a lot of storage and is very 'cook friendly', with few steps wasted while preparing your favorite feast! The Master suite has a dual vanity for his and hers mornings, and a sliding glass door to the back yard. The covered patio is just lovely, with lush green vegetation everywhere you look! And what a great gated community! Laurel Park is well known for the wonderful atmosphere of its neighborhood! You really must see this!

Equal Housing Opportunity.

RE/Max Experience : 1565 W Florida Ave - Hemet CA 92545 : (951) 323-0633

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10yr-old Hemet Fashion Designer Worn by the Rich and Famous

Hemet Home Loan Guy, Joey Aszterbaum (Jolynne Photography) — Thu, 31 Jul 2008 11:53:13 -0500

Kyler Aszterbaum has performed quite a coup in the fashion world. Mary Kate Olsen has been spotted wearing one of his designs...and he's only 10 yrs. old!

(Photo courtesy of www.x17online.com)

The young designer has also been worn by various fashion models, most notably Heidi Klum.

Kyler's latest fashions were unveiled in Los Angeles last October. Kyler produces and distributes his works in an exclusive collaboration with LA fashion hotspot Scout LA.

Top Hemet Real Estate Articles:

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