HOMEOWNERS NEWS AND TIDBITS
My Monthly Mortgage Payment How Much Can I Afford? If you are thinking about buying any type of property, there will usually be a mortgage attached. That is, unless you pay the total in cash, which is unusual. As potential buyers begin to make their plans, they can do themselves a great service by determining their own general budget before consulting with a lender, or working with a real estate professional. One of the seemingly great mysteries for consumers is, “What will my monthly payment be?” If you’ve never made use of an amortization table, it’s easy and, well, fun! Here’s a Web address for a good one: http://www.calculators4mortgages.com/Calculators/Amortization-Schedule/amortization_schedule.html If you know what the current interest rates are, and the length of loan you are looking for, the remaining variable to make use of this helpful tool is the price of the house you’d like to buy. You can experiment by adjusting the price, term of the loan, and interest rate to see how these changes will impact your potential payment. (Example on page 2) But making use of an amortization table is not simply an exercise in determining the price of home you can afford, it is a great way to shop for a loan ahead of time, to see which product might be right for you. If you’re trying to find out if your ratios will qualify, the amortization table can assist you in adjusting the parameters up or down, until you get the right fit. You may be surprised to learn that you need to set your sights higher or lower, depending on the outcome. Once you’ve got your figures in the ballpark, then it’s time to make a call and sit down with your agent and start the fine-tuning. Your real estate professional will know the absolutes, but you can still make a general assessment in advance and save everyone, especially you, a lot of time in the process! . RON POWERS TIDBITS
FOR IMMEDIATE RELEASE
RON POWERS Receives Gold Service Recognition
RON POWERS of Prudential California Realty in Oxnard, CA was just granted Quality Service Certified® Gold status in recognition of the exceptional service satisfaction as measured by Leading Research Corporation and the Quality Service Assurance Survey©. “No professional achievement is as important as the delivery of exceptionally satisfying service and Quality Service Certified Gold status recognizes the delivery of exceptional client service satisfaction,” according to Larry D. Romito, President and CEO of Quality Service Certification, Inc. Quality Service Certified status is the only service recognition in the real estate industry based upon independently validated, measurable service results. “Consumers have greater confidence in service reliability, results and satisfaction with a Quality Service Certified real estate professional,” Romito adds. The QSC professional follows a proven and prescribed service process, presents that process in writing to every buyer and seller, guarantees its performance and agrees to have every client receive a Quality Service Assurance Survey at the end of each transaction. The client feedback from those surveys becomes part of the real estate professional’s credentials. And for the first time consumers have the ability to select a real estate professional based upon a validated record of service satisfaction. Romito continues, “What is more important to a prospective client in selecting a professional than the service results achieved with past clients? Ron is among the top 2-3% agents in the nation who deliver exceptional service satisfaction.” Quality Service Certification, Inc. of San Juan Capistrano, California is the leading firm in service process delivery and measurable quality control in the real estate industry. Company spokesperson can be contacted at (949) 481-4438 or www.qualitycertified.org
Great Recipes for Busy People Pasta a la Checca 2 Tbl. Olive Oil 8 Medium Ripe Tomatoes 3 Big Sprigs Fresh Basil 4 Cloves Crushed Garlic Salt and Pepper to Taste 1 Lb. Pasta (any kind, your choice) Start heating the water for the pasta. Chop the tomatoes into small cubes. Chop or snip the In a large skillet, If you put your pasta in to boil at the same time you begin to cook the Checca, it should come out about right. Stir the Checca frequently. The object is for the tomatoes to cook down to make their own sauce, but to still have some nice chunks left in with the basil and garlic. Don’t overcook! Serve over your pasta. Looks nice with a small sprig of fresh basil on top. Tastes good, too! Feeds 4. Recipe courtesy of Victoria Wood, Publicist Prudential Remolding Info: Are you like the millions of Americans who have come to love Trading Spaces and have jumped on the do-it-yourself bandwagon? Or are you in the process of re-doing a room in your home, but are having a hard time visualizing the end results? Either way, Trading Spaces Design Companion is right for you. Visit this website for more tips: Visit: http://www.designcompanion.com Roll with the Rock The real estate professionals at Prudential California Realty characteristically have a unique relationship with their clients. After our REALTORS® complete a transaction with their buyers and sellers, it is rarely a one-time deal. A genuine relationship takes place, one founded on mutual respect and trust. As the years go by, this business partnership grows and continues with repeated success. For that reason, many of our agents have built exceptional careers based solely on referrals and repeat business. In addition to their sterling personal professionalism, they are backed by the Prudential name and reputation, which has earned the firm the slogan, “Rock Solid in Real Estate.” August 2008 Some improvement is projected for existing-home sales in the months ahead, with broader gains seen by the fourth quarter as buyers take advantage of new provisions provided through the recently passed housing stimulus bill, according to the latest forecast by the National Association of Realtors®. The Pending Home Sales Index, ¹ a forward-looking indicator based on contracts signed in June, rose stood at 101.4%.
Visit website below for designing tips a new feature:
Community News: Annual Casa Pacifica Angels "Wine and Food Festival Always 1st Sunday in June from 1:00pm-5:00pm, California State University Channel Islands For additional information on these events like this and more throughout the year including tickets, please contact Ericka Arnold at (805) 484-7144 or email at earnold@casapacifica.org
The Speedy Gourmet
basil into small pieces. Crush
the garlic and put it to the side.
heat the olive oil
until hot. Toss in
the garlic all at
once, stir quickly
for about 8 seconds, and add the tomatoes. Stir until blended with the garlic. Add the chopped basil. Season with salt and pepper to taste. Stir until blended. Cover and simmer on low heat for about 10 minutes, max!
Newsworthy:
Tickets will be $75.00 per person $90.00 at the door
PURCHASE TICKETS ONLINE
for more event information:
www.cpwineandfoodfestival.com
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