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    Business owner Mortgage documents / Qualification

    Hi Cares, Thanks for the reply -- As the business is a new one and has no prior tax returns, will the payroll that he is running as an employee, let him qualify as a regular W-2 employee? by taking only his payroll numbers into consideration (not the business income) for loan qualification along...
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    Business owner Mortgage documents / Qualification

    Hello, For a business owner to qualify for a mortgage, will a Quarterly payroll be good enough or is a monthly payroll required? -- Its a NEW S-corp (started Q1 2021) with same owner / employee scenario -- where owner is running a payroll for himself as an employee but running a quarterly...
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    Congrats!!! --- How long did the process take from document submission to funding?
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    Tax bill: Closing new home escrow in Jan

    Hi All, Checking for a friend who is in contract for a new home which will be closing approx Jan 18th -- closing was moved to Jan from Dec . As he is already in contract will he be grandfathered into the 1 million dollar mortgage deduction or lose it as the house is still not closed? Thanks.
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    Home inspection at 2 yrs mark.

    Hi, We were thinking of getting an home inspection done before the 2 yr mark of our new home -- we should have got it done before the first year but didnt. What all are covered in the 2nd year? Is it worth getting the house inspected now to get any issues fixed by builder? Please let us know...
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    Orchard Hills - Strada by Irvine Pacific

    60 quarterhorse paid a premium for the bigger lot ( I think its the 2nd biggest lot in strada at 6000sft) and also possibly more upgrades from the builder.
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    Orchard Hills - Strada by Irvine Pacific

    First Strada resale -- 534$/ sft. 51 quarter horse / Plan 2, TUSD with a view. https://www.redfin.com/CA/Irvine/51-Quarter-Horse-92602/home/109734746
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    Orchard Hills - Strada by Irvine Pacific

    60 Quarterhorse is very well done. Compared to the model  the other difference is the school district -- model is in IUSD/ Northwood high and the resale house is in TUSD -- will this play in resale pricing?
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    New Cell Tower in OH

    Yeah I would also suggest a phone capable of wi-fi calling rather than a micro cell -- Tried a Micro cell and it would keep disconnecting very often. Wi-fi calling on Iphone is working very well.
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    Cops at OH Strada

    Don't panic -- It was just a presentation by the Irvine Police department --- for the families and kids -- where kids got to see the cop cars etc :-)
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    AT&T Gigapower is here (1gbps or 300mbps up & down)

    so how much are you paying for the premier ? and did you have to get into a 2 yr contract? Looks like the ATT gigapower is working.
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    Eastwood is way over priced

    Any idea what the lot sizes are for these belvedere lots -- and what is the standard setback?
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    Orchard Hills - Strada by Irvine Pacific

    you mean the HOA meetings? -- nope haven't been to them -- mostly the timing doesn't work out.
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    Orchard Hills - Strada by Irvine Pacific

    Congratulations Perspective - -Welcome to the neighborhood -- Drove by on coppermine a few days back and the culdesac looks beautiful. We have been here the last few months and so far all of our neighbors have been very pleasant . In Strada -- The demographic is mostly like the typical Irvine...
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    How low can we go? 30 yr fixed at 3.75% with no fees...

    Was this the original 1/8th for the long term lock or additional 1/8th? -- so 20% down -- 3.5%?
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    Man and 3-year-old son bitten by coyote in Irvine

    We have also been seeing an increase in coyote sightings in the oakcreek area --- Have been here for quite a few years and the sightings have increased in the last few months -- I guess mostly because of the construction on Sand Canyon close to HOAG. Just saw one today morning crossing Alton...
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    Orchard Hills Homes

    100% Agree --- I think the issue is majority of the buyers don't take these into consideration when making a call on the buy -- Down payment and EMI take up all the focus----  but guess this is more to do with First time buyers. This after COE sticker shock hit us also (costs definitely keep...
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    Orchard Hills - Strada by Irvine Pacific

    I think most of the Strada homes have this -- ours has them and we are a few phases before -- I definetely know we have it in the master bath -- not sure if we were shown in the first floor also or not during the pre drywall walk through.
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