California’s abundant natural beauty can turn deadly when combined with warm, dry, windy weather. Now that Spring is here with Summer quickly approaching, it is important to take preemptive measures against wildfire.

As a homeowner, there are several actions you can take to protect your home from wildfires:

• Create a defensible zone around your home. Your local fire department can help.
• Using roofing resistant materials that are rated Class A. Common Class A roof covering includes asphalt fiberglass composition shingles, concrete or clay tiles, and steel or copper tiles. Screen all openings created by vents and roof materials. Keep roof and gutters free of debris.
• Landscape with fire-resistant plants.
• Make sure firefighters can see your address.
• Have an evacuation plan family members can follow, and don’t just talk about it, practice it.

If you’re ready to start the hunt in earnest, your next step is to get pre-approved for a loan. Most sellers, including all REO and short sale sellers, will not review an offer without a loan pre-approval, and many real estate brokerages require pre-approval in order to work with you. There are two ways to go—quick, or in-depth. You can get a quick pre-approval from your regular bank or credit union if you’re not sure which lender or mortgage plan you’ll be using. If you do know your specific lender and mortgage, go with the in-depth. With either process, you’ll need to fill out a loan application and submit it along with the following information: Work History, Credit Rating and History, Total Debt, Down Payment amount available, Investments and Other Assets and Residence History for Previous two Years. The amount of documentation will vary by Lender, this is just a general rule of thumb.

Let’s assume your application passes muster, and you’ve been pre-approved—congratulations! Don’t go too crazy celebrating though: If you make major changes to your credit, debt, or assets after pre-approval, but before you secure a loan, you could jeopardize your chances of getting any mortgage at all. Lenders commonly re-check your credit within five days of your home purchase closing, and any significant changes to your score may put the kibosh on your loan.

Until recently, if you had a complaint, you had to take your chances appealing to the credit card company itself. Now the Consumer Financial Protection Bureau has opened a one-stop complaint center for all credit card related issues.

To register your complaint, go to CFPB’s home page. There you’ll find a simple form that asks you to describe what happened and to categorize your complaint from a menu of about 30 items, such as “billing disputes” and “credit line increase/decrease.” You’ll also be asked how much money you lost (if any), when the incident occurred and what you have already done to resolve the problem.

Next, you’ll be asked to describe the outcome for your problem that you think would be fair, and for your contact information. Expect written confirmation from the CFPB, which will forward your complaint to the card issuer.

Once you have registered your complaint, you can check its status online. If the issuer does not respond in a timely manner and resolve the complaint satisfactorily, and the CFPB receives a number of similar complaints, it will likely launch an investigation. It’s too soon to tell how well this complaint process will work, but seems like a step in the right direction.

Next weekend, The Relay for Life Team from Calabasas will be holding a rummage sale to benefit the American Cancer Society. Donations for the sale are welcome and all members of the community are invited to join. The sale will be held from 7am to 1 pm on Saturday, April 28 behind the Calabasas Library and City Hall. There will be an array of goods for all visitors to look through so if you’re looking to put some extra fun in your shopping, stop by! Plus, there is no better feeling than having a good time and helping a better cause at once.

Cancer has affected nearly everyone in some shape or form so Calabasas beckons everyone in the community to come participate in Relay for Life. The event details state, “Your reasons for walking in the Relay For Life are as unique and special as the story that motivates you. This is your opportunity to not only honor cancer survivors and remember people we have lost, but also to raise funds and awareness to help save lives.” The Relay for Life Calabasas Event will be held at A.E. Wright Middle School from May 19-20, 2012 for a full 24-hours from 9:00 AM – 9:00 AM.

Top fundraisers in the Calabasas Relay for Life include one of our own, Steve Tip who ranks as number one in individual donations for the American Cancer society in Calabasas. Vice President and General Counsel of Ewing and Associates, Ernie Wish is also partaking in Relay for Life by speaking during the opening ceremony at 10am the day of the event. For more information about the rummage sale or the Relay for Life event, please contact me, Kenny Melcombe at kenny@kennymelcombe.com.

In January of this year, Ewing and Associates began utilizing a mobile platform to aid customers in their search for a home. This new application, “ewingsir” is compatible with smart-phones such as the iPhone, Blackberry, Android or Windows Phone. The application’s innovative software allows consumers to easily search for homes near them but also internationally. The sleek design makes navigation easy so even the least tech-savvy consumer won’t feel daunted by all of the app’s features.

Consumers aren’t the only ones benefiting from this. Real estate agents are also able to connect with their clients by giving them a custom code for the agent’s specific application. With this, agents will receive all of the leads from a client’s search regardless of who has the listing. This technology will relieve the burden of planning around busy schedules and instead clients will be able to search for a home at their leisure. Agents and clients alike can take comfort in the newfound ease that this app will bring to the home buying process.

By: Kenny Melcombe

Cal State University Northridge is just about to have the grand opening for the student rec center. The past friday I had the opportunity to attend the Pre-Opening Dress Rehearsal. In a few words, it was better then I had anticipated. It was amazing!

This is a state of the art center including a rock wall, basket ball courts,racquetball, indoor track, swimming pool, yoga studio, group exercise room, on top of the typical weight rooms, and fitness cardio rooms with eliptical, spin bikes, treadmills. Though typical is not the word to use… including 3 separate weight rooms and cardio equipment that can monitor your workout. Speaking of Technology–the SRC is striving for a LEED Gold Status and was designed to use the energy created by the bikes, treadmills, elipitical machines to power the entire building.

My friday workout consisted of climbing the rock wall, running the track and the treadmill, biking 12 miles, using the weight room, and ending with a swim in the beautiful pool. I can truly say this was the best time I have had working out and look forward to keeping in shape at the SRC.

The Grand Opening will be Thursday. Come get your memberships and get in shape. Or, by the way, If you join the Alumni Association you can get a significant discount on the membership. To join the Alumni Association click this link: https://www.csunalumni.com/default.aspx?page=Membership

The SRC features state-of–the-art weight and fitness zones, a rock wall, locker rooms, a 3-court gymnasium, a multi-activity court, fitness and group exercise studios, a racquetball court, an indoor track and recreational/lap swimming pool.

The SRC will have 3 different fitness zones that will be equipped with resources to help you achieve your fitness goals.

Inside the SRC will be 3 studios dedicated to Group Exercise and Fitness Training.

A multi-purpose studio where Zumba®, Step 360®, kickboxing, muscle conditioning, belly-dancing, hip-hop, boot-camp and many more group exercise classes will be held. This studio, when not being utilized for classes, will also be available for individual use and private training.

This studio will have specific equipment that will be utilized for classes such as; Spinning®, yoga, and pilates. Group and private mat, reformer and chair Pilates training will be available.

Determination Studio
A specialized studio equipped with TRX® and boxing equipment. This equipment and studio will be available during supervised open recreation times and scheduled classes.

INDOOR JOGGING TRACK

The SRC contains an indoor jogging track that is 1/8 mile long so you can enjoy your run in a climate-controlled environment, protected from the San Fernando Valley sun. The track’s superior biomechanical design allows for consistent traction with a cushioned surface providing greater safety and comfort.

Come test your limits and see if you’ve got what it takes to make it to the top of the 44-foot Ridge — Rock Climbing Wall!

The SRC has two pools available for your aquatic adventures. The Rec Pool is located at the SRC and the Plaza Pool is located adjacent to Subway in the University Student Union Plaza. The Rec Pool is available for both recreational and lap swimming. A large deck with furniture is also available for those that would like to relax and enjoy the beautiful surroundings. The Plaza Pool is programmed for lap swimming and special events but also has deck chairs available for those that would like to kick back in the sun for a bit. Please click the link below for pool hours. https://www.csunalumni.com/default.aspx?page=Membership

Information taken from http://src.csun.edu/

By: Tim McLaughlin

Dracula Drool: This vile vial gets bonus gross-out points for its graphic name. It’s not just blood, it’s hemoglobin-stained saliva that dripped off the Count’s slobbering fangs.

Vampire Hair: Candy hair would have made this list on its own; so would candy vampires. The combination in a flossy candy that explodes on your tongue puts it at No. 2. Also noteworthy is the revelation that Marge Simpson is indeed a vampire.

Toxic Waste: There’s a classic trope of hazardous waste turning people into heinous mutants. This version turns kids into people who enjoy sucking on unpleasant, intensely sour candy. According to the barrel’s chart, keeping one of these in your mouth for a minute makes you a full toxie head. If you last only 45 seconds you’re just a toxie wannabe.

Blood Energy Potion: This sugary maroon liquid claims to have “similar nutritional content to natural blood.” A serving does provide 55% of recommended daily iron value and 880mg of amino acids. It even tastes like blood, but only Franken Berry’s blood. An impressive Web tie-in poses it as a synthetic blood substitute for vampires, an alternative to feasting on humans. With its microwave instructions to heat to 98.6°F and transfusion bag packaging, we give this an A(Rh)+ for commitment.

Body Parts Sushi: There’s something about eyeballs, fingers, and ears topping seaweed-wrapped rice that gives us an extra kick of queasiness. Associating hacked body parts with customary fare legitimizes cannibalism in a way that puts us ill at ease. Also, the list of ingredients includes the word “pork.” Wretch. Comes with chopsticks.

By: Cynthia Sparagna

The New York Times

Triggers for rejection
Last year, more than two million people were turned down for homes, according to federal data, often because the applicants didn’t meet certain lender requirements or because their applications were incomplete or otherwise problematic.  With lenders’ underwriting criteria becoming more rigorous in recent years, it’s important buyers know the most common triggers for mortgage-loan rejection.

Making sense of the story:

• Insufficient income: Lenders want to be sure borrowers can afford to make the mortgage payments.  Lenders typically look for at least a two-year track record of income, which could hurt those who have changed jobs recently.
• Cloudy financial picture: Generally, total debt payments, including the mortgage, cannot exceed 45 to 50 percent of a borrower’s adjusted gross monthly income.  Overtime and bonuses are included only if the borrower has worked for the same employer at least two years, and has a history of receiving them.
• Poor credit: Lenders typically reject applicants with FICO scores below 620.
• Low appraisal: One of the predominant reasons buyers are turned down for home loans is because the appraisal on the property is too low.  A buyer may think he or she is purchasing a house worth $800,000, but if the appraisal comes in less than that, the lender will not loan the borrower the money.
• Property problems: Sometimes issues turn up within a house, like a major repair or safety issue that needs to be addressed, before an application can be approved.
• Information mix-ups: Approximately 12 percent of new mortgage applications were denied because of unverifiable information or incomplete credit applications, according to the Federal Financial Institutions Examination Council.

4 changes to upcoming FHA loans

By: Charise Mitchell

Tips taken from CAR

As you may know, unless Congress extends the expiration deadline, Federal Housing Administration (FHA) loan limits set in 2008 will drop significantly beginning October 1. Congress raised the loan limit amount in response to the housing crisis to help spur the homebuying market. FHA loans offer borrowers very competitive rates and terms, and they only require a 3.5% down payment. Allowable debt ratios are higher than the typical debt-ratio limits imposed for conventional loans, and there are no income limit qualifications, so more people can qualify for them.

If the loan limit drops on October 1, many California homebuyers will face higher down payments, higher mortgage rates and stricter loan qualification requirements. Borrowers seeking larger mortgages will have to apply for conventional loans or jumbo loans, which may be subject to higher interest rates and down payments. Here are four things you should know to help your clients now.

1. LOWER LOAN LIMITS. The conforming loan limit determines the maximum mortgage amount that FHA, Fannie Mae and Freddie Mac can buy or guarantee. If your client wants to stay under the current loan limits, then encourage them to purchase now and close by September 30th.

2. DROPS BY COUNTY. Under the new FHA loan limits, some counties will see significant drops in their loan limits. San Diego County will experience a $151,250 drop, Sonoma County a $141,550 reduction, while Orange and Los Angeles Counties will drop by $104,250. To see a full, county-by-county list of changes, click here.

3. JUMBO LOANS. The current FHA loan limit is $729,750. After October 1, that limit may drop to $625,500. Mortgage loans higher than that amount will be considered non-conforming jumbo loans, which typically have rates that are 0.875% to 1.5% higher than conforming rates, depending on the loan product, and require higher down payments.

4. MORE STRINGENT REQUIREMENTS. FHA loan requirements may allow for lower credit scores. So an applicant with a lower FICO score can still qualify for an FHA loan, even if they can’t for a conventional loan. Your clients may be able to obtain an FHA loan three years after defaulting or having a loan foreclosed.

By: Tina Stern

My listing of 114 Hollister Ranch, Gaviota, California was featured in the Business Section of the Sunday Los Angeles Times on 9.4.2011 as their choice for “Home of the Week” (view here). This 108 acre property with 5 structures is nothing short of magnificent. To view the property, see the YouTube video below or view the property website at www.114hollister.com

The legendary Hollister Ranch. Full parcel Listing. Inaccessible to the public, guard gated 24 hours a day. The 14,400 acre Ranch has 8 ½ miles of private pristine beach frontage for the exclusive use of homeowners. Property includes 2 complete houses, 1 guest house, 1 barn-game room and 1 secluded hilltop hideaway. Located approx. 30 minutes up the coast from Southern California’s most charming city, Santa Barbara. Ranch consists of 136 one hundred acre, or larger parcels. Parcel 114 is nestled in its own private valley. Its approx. 108 acres lie on a private road winding through 100 year old oaks, spring-fed creeks & vistas from rolling hills to pastures & the Pacific Ocean. It offers privacy, security & beauty only minutes to the beach. Whether seeking solitude or staging a grand getaway for family & friends, this is a rare, once-in-a-lifetime opportunity to own a virtually unspoiled piece of the California dream right on the most protected coastline in Southern California