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Reasonable advice. What defines appropriate dress in your area? Here in LA, it can vary quite a bit.
To me, comfortable, practical, ready-for-anything (and preferably machine-washable) slacks, a crisp blouse or top, a jacket in the car just in case, and comfortable walking shoes comprise an outfit that can take me from walking a vacant lot to sitting in a decorator's own living room. Via Marte Cliff (Marte Cliff Copywriting):
A few of the blogs I've read lately touched on agents showing up looking unkempt and grungy. I've seen that too.
I remember one agent whose seller required her to be there for showings. She arrived to meet me and my buyers in a pair of bagged-out sweatpants and an old t-shirt... and dirty athletic shoes. Another one used to wear an outfit made out of parachute cloth.
And one time I was looking at homes (as a buyer) in another town and was shocked to see an agent in a skin-tight, low-cut, bright pink cocktail dress and spike heels - at 10 a.m. on a Tuesday morning.
But aside from not showing up looking like you were ready to go wash the car or head for a night club, appropriate dress depends upon where you are.
In our area, you're just as likely to be called to walk up the side of a mountain or around a boggy meadow as to visit a home in town. So, wearing a skirt to work is asking for trouble. So is wearing your favorite new slacks. I remember ruining a pair once when crawling through a barb wire fence.
And the clients do notice and comment on attire...
A wealthy friend of mine wanted to sell her country home a couple of years ago and she got the idea that an agent from the city might have more buyers who could afford her home. She called me the day after her interview with these agents. She said "Can you believe it? This guy showed up in a suit and dress shoes. And the woman with him had on a long skirt and heels. She was horrified at the idea of walking the property - even our gravel driveway was too much for her. How can anybody be dumb enough to show up at a country home dressed like that?"
So, while a few do wear slacks, and a few brave women put on dresses, most agents who live and work here wear jeans. Hopefully not worn out or torn jeans, but jeans just the same. They can look almost professional when paired with a wool blazer.
And then... there are those who wear shorts. Agents who come here from other parts of the country seem to think shorts are proper real estate attire for both men and women, but the comments I've heard from clients would say otherwise. One client told me his impression was that the agent was begrudgingly taking time out from going boating to see them. Others had similar unflattering comments.
So - proper attire depends upon where you work. Suits and dresses are no doubt "the uniform" in many cities, and agents who specialize in waterfront homes can probably wear shorts without seeming unprofessional.
What I tell new agents is to look around... notice what the most successful agents in your market are wearing and copy them.
This story of a loan modification sounds like a lot of stories I have heard on the subject. No wonder such large numbers of loan modification homeowners end up defaulting again. Via J. Philip Faranda (J. Philip LLC) Westchester County NY:
 We got word last week that a past client's loan modification was approved. As happy and relieved as they were, my beleaguered clients had to swallow a rough pill: on the terms of the approved loan modification, their mortgage payment would be several hundred dollars higher than their original payment.
It had been a long process. First, they had a job loss which resulted in their initial default. They were in arrears for almost a year before they could overcome the shock and paralysis and make any headway on a loan modification. All the while they worked like dogs at anything they could find before thankfully re entering the workforce. The trial payments, which were several hundred dollars less then their original payment, started immediately on application to the HAMP process.
It took 10 more months, and they made their trial payments religiously. They were issued a denial once because they allegedly missed payment, which the court referee threw back after given proof all payments were in fact made on time. When the approval came through, it was the same rate and term, and the arrearage was added to the principle, resulting in a higher payment than even their original loan. The bank basically negatively amortized the loan and hit the reset button.
In their case, they were in a take it or leave it situation; ironically, getting a better job knocked them out of the HAMP program, and the modification was due to the lender's largess, not the government's. Since their issue was an inability to write a check for tens of thousands of dollars to reinstate and not the amount of their payment, they are going to take it. The only issue they'll have going forward is if they lose a job again, but that makes them no different than anyone else.
A few observations:
- Even for sophisticated, educated people with college degrees, the loan mod process is complicated and grueling.
- Bank staff does little to make the process understandable, probably because in large part the staff themselves don't get it.
- If the red tape and vagaries are this much of an ordeal for educated professionals, it must be UberHell for people who aren't.
- It is no wonder the re-default rate is so high. People stagger across the finish line and collapse, even in the best of scenarios.
On the whole in this case however, my people will not lose their house. Disaster was averted. This is one listing I am glad to not get.
- We Are Westchester County & Hudson Valley NY Real Estate. Reach Phil at (914) 723-8900.
- J. Philip Faranda, Broker-owner, J. Philip Real Estate, LLC. 2010 Vice President, Westchester-Putnam Multiple Listing Service.
- I am one of New York's premier short sale REALTORS.
- J. Philip Serves Briarcliff Manor, Ossining, Croton, the River Towns, Westchester County, and the bedroom counties of New York City.
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Although there is a hint of self-interest here: a short-sale expert recommending a homeowner just go ahead and do a short-sale instead of trying for a loan modification, I have seen the proof of his point of view. If you are a homeowner in financial trouble, talk to a good Realtor as soon as possible. You might save your credit and a lot of heartache. Via Brian Bean, Inland Empire Real Estate and Short Sale Pros, SoCal, 951-354-1313 (IE Real Estate Pros):
This whole loan-modification thing is getting out of hand.
Are we really so easy to manipulate, or are desperate people just clutching at anything to keep from falling?
So many homeowners on the verge of losing their homes will do anything, listen to anyone, take any advice, as long as it's authoritative and the answer satisfies their wants. Why? Because even a flicker of hope can renew the enthusiasm of a condemned man. Problem is, loan mods, for the masses, are a Band-Aid on cancer.
But the voice of reason is drowned out by the shouts for rescue.
I'm all for hope, but it has be accompanied by action and a dose of reality. Homeowners in distress hope for miraculous results -- a loan mod that reduces the amount they owe and cuts the interest rate to below-market levels. Reality is, if you don't have a job, do you really think the bank is going to let you keep the house? Urban myths perpetuate the misplaced optimism. ("My uncle's accountant's niece found a non-profit that is 'getting good results' on loan mods.") And so, merrily they go, off to slaughter.
Sure, a precious few who fit the narrow guidelines and have their flawlessly completed applications fall on the right person's desk on the right day will reap rewards. It's happened for a little over 300,000 people. But the vast majority of applicants who are granted 3-month or 6-month trial modifications will never see permanent loan mods. Many shouldn't even be put through the trial programs. When their debt-to-income ratio with the trial payment is well above 50 percent? When they're unemployed? When they're drowning in unsecured debt and can barely afford to keep food on the table the lights on? I've talked to people who got the go-ahead for trial modifications with payments at nearly 90 percent of their take-home pay. That's frickin' ridiculous.
Less than 1 in 4 people who make it through trial payment programs actually get a permanent mod. And then 75% of those end up defaulting again within a year. Why? Because changing someone's payment doesn't change their habits. And the banks know it. But they can keep on collecting payments from those desperate souls who cling to the dream that they will be among the lucky few. And those homeowners will keep right on paying, even go farther into debt or worse to keep up their end of the bargain. Only to be crushed by a one-page letter summarily denying their application and requiring them to make up the back payments.
Here's the kicker: While these mod programs are running their course, so is the foreclosure. And so many times, riding shotgun with the modification denial is a notice of trustee sale. At that point, it's game over. Too late to attempt the other options, which were more likely to succeed, given the time. Options that were the most pragmatic, given the facts.
People who could have done a short sale, for instance, lose their home to a foreclosure, preventing them from buying another home for 5-7 years -- at the bottom of the market -- and gutting them emotionally. The banks actually lose more money than they would have had the property been liquidated in a short sale. The neighbors on the block suffer from a blighted home and further-reduced property values.
And everyone wonders what went wrong?
The voices are wrong. We have to make better decisions, based on facts and experience and the guidance of those with proven success. Not on the Pollyanna-ish opinions of those who don't have a stake in the decision. Don't buy in to the misguided claims of lawmakers who just want to keep their jobs. Don't listen to scamming companies who take an upfront payment to process your loan modification when your gut is telling you it isn't going to fly. Don't blindly follow the suggestions of your friends and neighbors. And don't let anyone keep you from doing what you know is the right thing in the long run. There's too much at risk.
We're adults and we have to start acting like it.
(Brian Bean is a real estate broker and ambassador for Helping A Million Homeowners, a nationwide organization that is committed to helping alleviate the financial stress that so many homeowners face today. He can be reached directly at Brian@BigDreamInc.com.)
Brian Bean
Real Estate Professional
www.IEShortSalePros.com
www.HelpingAMillionHomeowners.com
I've been specially trained to negotiate short sales with an emphasis on deficiency waivers.
"If one advances confidently in the direction of his dreams, and endeavors to live the life which he has imagined, he will meet with a success unexpected in common hours." - Henry David Thoreau
This H.E.L.P. program might be helpful to some buyers... Via Ed Gillespie - The Honest Mortgage Guy (First Priority Financial, Inc.):
One comment I hear regularly from agents is that they have clients who are able to buy a home but are  afraid to do it. The agents remind their clients that this is a great time to buy-that rates and home prices are both low, there are tax benefits or even that tax credits are available (here in California at least). But these buyers are securely perched "on the fence" and don't appear to be budging any time soon.
Most of us are feeling the pinch of the current economy ourselves so we can certainly understand buyers' fears. My guess is that many of them are concerned about the security of their jobs, particularly in areas where unemployment is high.
This week I learned about a tool that might give those folks on the fence a little nudge.
The Homeowner Education and Loan Protection (HELP) Program is offered through the Rainy Day Foundation, a 501(c)3. The HELP Program offers counseling and education to new homeowners that encourages an on time relationship with their lender and a successful long-term home ownership experience.
The HELP Program also includes a Job Loss Protection benefit which protects homeowners if they experience an involuntary loss of employment and qualify for state unemployment benefits. The Program provides up to six months mortgage payments, principal and interest to a maximum of $2,000 per month, during the first 24 months of the loan. The program is underwritten by an insurance company. There is a one time fee of $500 paid at close of escrow. The fee can be paid by anyone EXCEPT the buyer (e. g. seller, agent, family member).
Borrowers who are employed full-time, between the ages of 18 and 66 and U S residents are eligible. Those who are self-employed, aware of a pending layoff, independent contractors or active military are not eligible.
For more information about this program and its benefits to home sellers and buyers, visit http://www.myhelp-connection.com/certification.asp.
Check out this blogpost by Sean O'Toole, CEO of Foreclosure Radar.
http://www.foreclosuretruth.com/blog/sean/time-for-troop-surge-on-the-front-lines-of-the-housing-crisis/
If you look at his website and his past blogposts, you see a thoughtful, intelligent person who has studied and understood more of this real estate market than most. I know that I have done what he suggests, talked to people who are in trouble with their mortgages, and I've tried to help them find solutions. Unfortunately, if they are in real trouble with no equity, I can't help them effectively because they have to negotiate with their lender-and that, as Sean eloquently points out, is where the trouble lies.
More thoughts on my chosen profession:
As I reflect on my year in real estate, 2009 has certainly been a challenge. But last year at this time, it was even more frightening. Would I ever sell another house? My notes from December, 2008, show that was a real concern to me. To relate back to what Sean wrote, I did feel like the best thing I could do was to be as helpful as I could. I wrote about the government programs in my blog, I took flyers around the neighborhood, I met with people to discuss their options even though they couldn't sell. But I felt powerless in most cases to effect positive help.
In hindsight, it looks like the real estate market in our area bottomed out in the first quarter of this year, so I was truly facing a very dark time ahead. But as I looked around at other people going through that dark time, I could see that I had a huge advantage-I am my own boss and no one can lay me off but myself.
Imagine how vulnerable employees feel, not knowing if they will have a job next week. Even public employees are feeling the pinch with unpaid furlough days, frozen wages, pay cuts. It may not be easy to go out and sell another house, but at least I have that possibility in my day.
I have a full-time assistant and I have a family and a household to support. This has been both a burden and an inspiration to me through these difficult times. As my income was drastically reduced, I had to make a number of budget adjustments, but I always felt it was very important to make sure I kept my employee. Imagine how tough it is on a person who relies on an individual person for their livelihood. I have seen many Realtors decide that they can't afford their staff anymore. Is that a really wise economy? There is the saying, "If you don't have an assistant, you are an assistant." If you spend your time doing administrative jobs, when are you going to go out there and do your real job, which it to make deals? The temptation is really strong to spend a lot of time on administration since it feels like work. But it's not our work. Not if we are really doing what we need to do.
When the market is so difficult, it's really easy to decide any effort you make is useless and you might as well not try. But with an assistant to keep busy and a family to support, I went ahead and got out there and looked for deals. The key to success is to be there the moment the decision to buy or sell real estate happens. If you are back at the office filing your paperwork, how will you be there with the buyer or seller?
What if we were out in our neighborhoods helping people get to the truth about what they really could and couldn't do with their homes and providing them with achievable options?
What is the Eagle Rock Business Model? It's a unique, usually individually owned, business that offers good style and good value. That's my definition--what might yours be?
Cacao Mexicatessen
Another long-awaited restaurant has opened, the Cacao Mexicatessen at 1576 Colorado Blvd. Eagle Rock, CA, 90041. Located next door to Trader Joe's and Eufloria in a very suitable hacienda-style building, there is outdoor seating behind the vines on the covered porch and you will smell the homey scent of fresh-made tortillas cooking on the griddle as you approach the door. Inside, it looks like it's been here for 50 years, but it just opened in the last couple of days. A good sign, I think, and the business looks brisk already. Check out photos, the menu, and contact info at www.cacaodeli.com. They have a number of mole dishes, hence the cacao name. There are imported gifts, coffee, even T-shirts with a couple of great designs on them. The Lujan family has created a unique menu featuring dishes from all over Mexico and a very welcome new Eagle Rock eatery, in my book. I had some guacamole with homemade tortilla chips and I almost ate the whole 16 ounces of it! They cater, you can eat there, or you can take out-something for everyone. Now we need to have CoWineCo twitter the right wine for, say, the Cochinita Pibil (roasted pork with achiote and citrus, wrapped in banana leaf).
 Cacao Deli
Eagle Rock ‘N Roll Farmers' Market
How many communities do you know of that has 2 Farmer's Markets every week? Well, add Eagle Rock to your list. This new one is located at the Macy's end of the parking lot at 2700 Colorado Blvd, started in June, 2009, and is a certified Farmer's Market, unlike the Friday evening Farmer's Market at the corner of Merton and Caspar. That means that the Department of Agriculture of the State of California has inspected the farms to ensure the produce
being sold at the markets is California grown. Whereas produce you buy in grocery stores or non-certified Farmer's Markets might not have been grown in California.
From their website: "PD Markets brings you the hippest, freshest and coolest farmers' markets in town. Our markets not only feature organic fruits and vegetables but we have some of the best in hand crafted merchandise, vintage and collectibles, jewelry, clothing and much more. We also have awesome bands playing live and for Free! Our kids area rocks... literally with our Rock Climbing wall and inflatable obstacle course."
I visited there today for the first time and I found a small but friendly variety of vendors. I haven't seen organic coffee sold at a Farmer's Market before, and they gave me a generous and delicious sample. I bought some collard greens at the South Central Organic Farmer's table and there were several vendors with peak of the season stone fruits and grapes at reasonable prices. There were organic goat cheeses, breads, hummus, all really yummy.
The hours are every Sunday, 9 am to 2 pm. Check it out, it's worth your support and I hope this one prospers as well as the Friday night one. This is really a much better location with lots of parking and easy access. Check out their website at www.pdmarkets.com, and you can follow this on twitter @PD Markets.
Why should you buy a house in Eagle Rock, CA? Because you get the best of several worlds in this quiet little corner of the great metropolis of Los Angeles, CA: a home town, neighborly community with access to the jobs, culture, and amenities that a big city offers, as well as minutes away from hiking trails and the Angeles National Forest. 
Once its own city, Eagle Rock was annexed to the City of Los Angeles in 1923, in order to secure access to the City's Owens Valley water resources. Consequently, Eagle Rock has the municipal services that a large city provides like the Department of Water & Power, police, fire, transportation, and public schools. We've retained our original City Hall which was built in 1922, and several other architecturally and historically significant buildings including the 1915 Carnegie Library which is now the Center for the Arts, Eagle Rock, and the Richard Neutra-designed 1954 Eagle Rock Recreation Center.
Public schools affect many buyers' decision to buy a home in Eagle Rock. Although part of the huge LAUSD system, Eagle Rock prides itself on its local schools. Four elementary schools feed into the one junior high and high school campus located in the heart of Eagle Rock. The high school placed 447th in the top 1000 high schools in the U.S. based on Advanced Placement tests given.
More great reasons to buy in Eagle Rock include all the fun restaurants, bars and cafes that populate Colorado and Eagle Rock Blvds, some fun vintage and modern clothing boutiques, a number of kids' fashion and accessory stores, a large number of established churches, and a very active and committed population dedicated to a number of civic organizations. We have a community garden so popular that there is a waiting list to obtain a plot and not one but two weekly Farmer's Markets. Every summer there are free concerts at Eagle Rock Park. There is something for everyone here, from the Eagle Rock Rockers car club to the Occidental College theatre program.
Only 26 homes are currently for sale in the 90041 zip code, which comprises most of Eagle Rock. A few more are available in the part of the 90065 zip code that is designated Eagle Rock schools, an area mostly known as Sagamore Park. With so few properties on the market, whenever a good home is listed, it commands immediate attention by the serious buyers. This lack of inventory has helped in part to maintain property values a bit higher than some of the surrounding communities. Where parts of Highland Park and Glassell Park may have seen values drop 30 to 50%, Eagle Rock has gone down 10 to 25% from its peak in most cases. Closed sale prices this year have been reported from $129,000 for a burnt-out shell of a house to $800,000 for a Mediterranean on Hill Drive. In the last five years, several homes have sold for over $1 million, and will again soon if I have my way. I currently have a wonderful Mediterranean with a full guest house on Hill Drive listed for $1,195,000. 
And I just have to reblog this wonderful piece about the most holy Buddhist monk in the world who gives us the formula for happiness, the Dalai Lama. http://happydays.blogs.nytimes.com/2009/07/22/the-doctor-is-within/
In this market? Are you kidding? I hope you can see that this is a fantasy title-but honest, if you do everything I say, you really will have less stress when you sell or buy a house.
Whether you are a Buyer or a Seller: choose a full-time professional Realtor who has a lot of experience, have an open and honest conversation about what you want to (or have to) accomplish, and then-if you decide to work with that person, follow her advice. If you don't agree with something she suggests, talk about it in an open, collaborative way. Selling your house is a team effort and while you may be the owner, your Realtor is your coach, and if she doesn't know about your trick knee, she won't know that you can't do 350 squats a day. And if you're not willing to do what she says, why did you hire her?
As A Seller:
Nuts and Bolts
Have every kind of inspection you can think of done by a qualified professional including:
General / Sewer / Chimney / Termite
Plus any additional inspections suggested by the previous ones.
Make a punch list from what they recommend and then get all those things done-and with permits, if needed. Keep all the reports and receipts from the work you did and make a copy for your Realtor to pass on to prospective buyers and their Realtors.
Or: Are you willing to have the inspections done, provide them to the buyers & Realtors, and price your house to reflect the work that is called for?
Or: Are you willing to take your chances with whatever the buyers' inspections turn up and adjust your price accordingly?
Good Looks 
Questions to ask yourself:
1. Does my house look like it could have been pictured in (pick your style) American Bungalow, House Beautiful, Atomic Ranch, Architectural Digest, Sunset, or Dwell? Or does it look a little more like Grey Gardens? 
2. Can I actually see my house, or do I just see my stuff?
3. Do I have the time and talent to make my house look great?
Pricing
More questions for you:
1. Would I pay this much for this house if I were buying it in today's market?
2. Does the price suggested by my Realtor make me want to throw up?
3. In a declining or bottoming market, do I understand that the longer I wait, the lower the price can be?
4. Can I let go of how much money I might have gotten 2-3 years ago?
5. Can I let go of how much money/effort/love I've put into this property? Paid for this property? What I ought to get for this property?
Showing Off:
1. Can I keep this house in Showtime condition? If not, can I move out?
2. Is the house tenant-occupied? Can I move them out? Note: You will make more on the sale of your house than you will lose in rent if you move your tenants out, 99 out of 100 times. And you will sell quicker with less headache. I know, you think you can't afford to have it be vacant with no rent coming in, but I'm just saying...
Here ends Part 1. Next stop, being a successful Buyer.
Besides the problem of inexperienced appraisers who don't understand local markets, we now also have overzealous appraisers who now take it upon themselves to over-research properties to a ridiculous extent. When have you ever had an appraiser take it upon himself to go to the city and cross reference certificates of occupancy with permits from over 40 years ago? And in the City of Los Angeles, known for its poor record keeping and slipshod permit process? Some of these appraisers seem to have taken on a crusader cape and are determined to run prices into the ground. Eagle Rock is a case in point. We have multiple offers, prices going over asking, and the appraisal comes back saying we are in a declining market. Of course, the buyer wants the seller to reduce the price to the appraisal price. That just serves to keep prices at the same low level, creating a self-fulfilling prophecy that we are in a declining market. No one who doesn't really have to sell will go on the market and this also serves to keep us where we are. The system is broken when a buyer with over 25% down payment is told the property isn't worth what they've agreed to pay for it. When there are no recent comparables for a particular property, we have to have an alternative to an appraiser using short sales and foreclosures as the only comparables. Especially when we have a home that is l000 feet larger than recent sales of homes that sold for more, and the appraiser won't use the smaller home because it's too small. That is just not realistic.
Does anyone out there have a handle on these issues? I have one escrow where the buyer agreed to have no appraisal contingency, but what can we do about these deals where the buyer has no extra money to put in? Are there other lenders who are able to work with buyers so that we're able to put these deals together instead of drive them apart?
This is a right-on article for those of us with adult kids. We have a rare opportunity this year only, so let's all jump on this! Via Janet Guilbault California Mortgage Banker/Broker:
 It wasn't THAT long ago that we Baby Boomers worried a lot about our kids.
You know, those irrepressible Generation Y kids who were on the Internet at age 4 and who grew up clicking (my son says I grew up turning dials and that is why his generation is superior different).
Sitting on our own fat bubble- enhanced, low taxed properties, we watched prices spiral out of control here in the San Francisco Bay Area. We believed our children would either:
- Never be able to afford a house
- Move away forever
- Move back in with us (eek!)
But post meltdown, all of that has changed. And in the wake of economic disaster lies a once in a lifetime opportunity to get junior into his very own house or condo.
This is the year to help your kid become a first time buyer. You snooze, you lose.
No, I cannot promise son will become a handyman or daughter will turn into Martha Stewart. But I can promise you that everyone in the family will look back someday (sooner than you think) and thank their lucky stars you took advantage of a 24 karat golden real estate opportunity to give your child financial stablity.
Why this year? Here are 3 reasons that point directly to the stars being lined up perfectly:
- Cheap properties (prices being driven down by foreclosures)
- Low fixed rates on old fashioned 30 year mortgages
- FHA financing finally has limits high enough to buy in California
As if that isn't ENOUGH, here is your amazing limited time BONUS OFFER: First Time Homebuyer Tax Credit of $8000 is good through the end of the year.
The strategy:
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GIFT your child the down minimum payment (3.5% of selling price)
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ASK the seller to pay the closing costs in your offer, so your kid needs NO cash at all
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SNAG a cheap property in the best location your kid can afford
Be prepared for this:
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MULTIPLE OFFERS on lender foreclosed properties for sale
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SELLERS insisting on an approval with a LENDER (not just a letter from the mortgage person)
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A LONGER time line than you are expecting
10 things not to worry about:
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Rates will go lower. FHA loans have the ability to be easily re-written if rates drop (streamline refinance)
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Real estate will be cheaper. So what? Think long term.
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Your kid isn't "ready". Most first time buyers do not have the perspective to understand the benefit of the tax credit, or the silver lining of economic downturns. Come to think of it, you probably weren't "ready" when he was born.
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Going on the loan with your kid. If your kid has no job now, or just can't afford to buy, you can co-sign.
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Finding the "perfect" house/condo. It is a starter house, for crying out loud. Do not expect lender foreclosures to be pretty
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FHA closing costs are "too high". Yep, FHA will have slightly higher closing costs than conventional. Seller may not pay closing costs. You can gift your kid closing costs, too.
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What if my kid loses his job? "What if's" are the biggest reason for missed opportunities!
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The real estate market is just too confusing! That is why you should find a great real estate agent
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Getting a loan is a big hassle! Get preapproved first with a great mortgage person
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Where will I get the cash to help my kid? How about an equity line or retirement account? Maybe Grandma has the money?
Get your kid set and maybe you could move in with him someday. (double eek!)
Maybe not.
Written by Janet Guilbault, Mortgage Banker/Broker Based Out of the San Francisco Bay Area
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Tracy King
Eagle Rock,
CA
More about me…
Teles Properties
Address: 210 S. Orange Grove Blvd, Pasadena, CA, 91105
Office Phone: (626) 827-9795
Cell Phone: (626) 827-9795
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