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  1. M

    Long term parking at LAX

    try CheapAirportParking.org... seems like it ends up being a little cheaper.  It also works well for SNA where you can park at the Hilton? across the street for about $6-8 per day.
  2. M

    New Korean BBQ place

    baekjeong irvine is trying to open friday 6/30.  open for dinner... not sure if open for lunch.
  3. M

    How low can we go? 30 yr fixed at 3.75% with no fees...

    Wow, everyone always seems so skeptical and trying to call BS on everything on this site.  I could offer it at the time of posting.  Not sure what it is today but it should be something close to what I posted on the 25th (if not better due to bond movement yesterday and today). It was my...
  4. M

    How low can we go? 30 yr fixed at 3.75% with no fees...

    just to update this thread, loan amounts greater than $417,000 with 20% down could get a 4.000% 30 year fixed with 0.25 points in credit.
  5. M

    10%, 15% or 20% down

    It is still possible to get a jumbo loan with 15% down.
  6. M

    Leasing a car

    For MBZ, go to Anaheim Hills and ask for the sales manager, Todd Carter.  For servicing your car, go to Laguna Niguel.  Avoid Fletcher. When getting a car, do your homework first.  Configure the car on their website, go to TrueCar.com and configure the car to see what the lowest price people...
  7. M

    Mortgage Update for Week of Feb 3

    Sorry but I don't have a link to share showing this but this is what I can offer.  This is available for the following: Purchase of an owner-occupied SFR 30 year fixed rate loan $417,000+ loan amount 20% down-payment (or more) 780+ FICO 30 day lock term Impounds not required Meet all loan...
  8. M

    Mortgage Update for Week of Feb 3

    Possible to get a 30 year fixed rate as low as 4.125-4250% with no points.  This is as of 2/14/14.
  9. M

    Possible Irvine 3-Car Garage Homes

    If they do end up building these, there probably wont be too many since this is in an area near the San Marino, Carmel II and Sonoma side of Woodbury.
  10. M

    Possible Irvine 3-Car Garage Homes

    Spoke to someone from a builder and was told that there is a small chance that there may be 3-car garage homes being built in Woodbury. There is an area previously allocated for Carmel II which now seems to be under review.  One option under consideration are 3-car garage homes (probably 3-car...
  11. M

    Jumbo Conforming Limit Expiring 10/1/11

    As a simple exercise to see rate differences between loan categories, assume the following with a fictitious example: * single family residence or detached condo * "perfect" credit * 20% down-payment * owner-occupied * all other factors allow for approval * no points * borrower pays "standard"...
  12. M

    Jumbo Conforming Limit Expiring 10/1/11

    To answer some of your questions: * jumbo lending is available (never went away but most where in hiding) * jumbo lending products are more commonly available on ARM products but Fixed products are available * jumbo products are available with as little as 10% down * interest rates on jumbo...
  13. M

    Estimating Landscape Costs for Woodbury and Portola Springs

    After obtaining eight quotes (including Legends/Southwinds), it was an easy decision to move forward with Warwick.  Here are my initial thoughts after shopping around: * most contractors will give a cookie cutter "design" where they basically repeat the same design from neighbor to neighbor *...
  14. M

    Garage Cabinets and Storage

    I'm about to finally tackle organizing my garage and wanted to know if anyone had any suggestions.  I am looking to do something that isn't a full custom job (expensive) but not a assemble yourself (don't want something falling apart). I'm looking at a combination of options: * ceiling racks...
  15. M

    Contractor for cabinets

    one thing you may want to consider is a counter-depth refrigerator unless your heart is set on a true built-in.  by using a counter-depth refrigerator, you can avoid the need to alter the existing cabinets.  for a few hundred dollars, you can probably have a contractor (or less if you do it...
  16. M

    Owner's title insurance

    So the question of is it necessary?  While someone might want to save a few bucks, it is my opinion that it should be mandatory.  Even though you are buying a new construction property with a limited chain-of-title, the owner's insurance policy covers the following: * you are obtaining a...
  17. M

    Lender's fee v.s. Origination charges

    Part 3 so back to the big picture.  regardless of what the fee is called or whether or not it is disclosed/not disclosed, the homebuyer typically cares about how much is being spent when all is said and done and what interest rate they obtained. the way to compare what is spent is by looking...
  18. M

    Lender's fee v.s. Origination charges

    Part 2 so to answer your question of what are lender fees and origination fees, they are essentially the same. lender fees tend to be fees such as: * origination fee * underwriting fee * processing fee * credit report fee * hoa certification fee regarding the part about not having to pay...
  19. M

    Lender's fee v.s. Origination charges

    Part 1 deciphering lender fees and origination fees can be a bit complex.  the important thing to remember is the big picture as it can get convoluted.  the goal for the homeowner is to determine what they are paying in fees AND what rate of interest they are getting for those fees. some...
  20. M

    Closing Cost & Interest Rate

    blitzj tell the lender to 1. get the appraisal fee lowered 2. contact the title company to get rid of the endorsement fee 3. contact escrow to get the escrow fee lowered some of this is negotiable.  many title companies do not charge for standard endorsements and escrow fees tend to be a...
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