Canoga Park, CA

There is a lovely Canoga Park home that offers 3bd/1ba on more than 9,000 sq. ft. lot. Beautifully remodeled and fully rehabilitated, this completely energy efficient home offers a brand new kitchen, new wood & tile flooring throughout, new windows & doors, a new tankless water heater and all new landscaping.

This lovely home is totally move-in ready and is just waiting for the right first time buyer to come along and fall in love with it!!!

Minutes from Pierce College as well as the wonderful shopping, dining and entertainment destinations in Woodland Hills and the Warner Center, this is the perfect starter home for that young professional. There is no competing with all cash investors either, this home is only available to eligible and qualified, low-median income individuals or families who are looking for their first home.

The best part is that this home is also eligible for down payment assistance through the Los Angeles Housing Department (LAHD) Neighborhood Stabilization Program (NSP). NSP down payment assistance is a "silent second", which means no payment until the home is sold or refinanced. For approx. $1,400 a month, eligible buyers can own this wonderful home. Consquently, comparable rentals for this area are going for around $2,000 a month.

No more having to overbid for some dump just so you can get your offer accepted. No more worrying about whether or not it will appraise for value and what repairs are going to be required. No more having to get pre-approved with the REO bank just to be able to make an offer. No more worrying about how much more money you are going to need to spend after the close of escrow just to make the house habitable.

Program Requirements:

• Eligible homebuyers must not presently have an ownership interest in any real property and they must occupy the property as their primary residence.

• Eligible homebuyers must also attend and complete an eight (8) hour homebuyer education class.

• A minimum of 1% of the purchase price is required as down payment.The one percent (1%) must come from the borrower's own funds.

• Eligible buyers must meet NSP maximum income guidelines limits.

Household Size	1	2	3	4	5	6	7	8
Low Income	$47,850	$54,650	$61,500	$68,300	$73,800	$79,250	$84,700	$90,200
Moderate Income	$71,750	$82,000	$92,250	$102,500	$110,700	$118,900	$127,100	$135,250

	Low Income Up to 80% AMI	Moderate Income Up to 120% AMI
Purchase Assistance (down payment & closing costs)	Up to $75,000	Up to $50,000

Today's real estate market and lending environment can be really scary, which is why it's important to get as much information as possible before starting your search. Finding out more about affordable home loan options and getting pre-approved is an absolute must.

The pre-approval process is not a simple process and it's because it can get really complicated and convoluted, that borrowers today need affordable loan options that are best suited for their own needs.

For more info on how you can qualify for NSP down payment assistance to purchase this wonderful home, contact me, Donne Knudsen of C2 Financial Corp, at 805.2069123 or donne4loans@earthlink.net. If you have any questions and/or concerns, please feel free to contact me again.That's what I'm here for and I would love to be able to assist you in your search for an affordable home loan.

Photos courtesy of: LAHD NSP Westfield Village

 

While driving on Canoga Avenue yesterday, I noticed that the Borders bookstore was going-out-of-business.  The large yellow and black sign prompted me to do a "U Turn" and double back to the store.  I can't believe we are loosing another business in our community.  This book store was one of my favorite hang outs.  I remember seeing my neighbor and his  three children one evening at the book store.  He said that his family did not own a television set because cable was costly.  He also said that since he did not have television, all three children were "A" students in school.  The book store was a family outing for them.  Because of technology, our society is moving at warp speed for better or worst.  Like the cassette tape, a paperback book will be a thing of the past.

I understand that change is necessary. Whether I like it or not, change will happen.  There are benefits to stop using paper to manufacture books, but there are other consequences to follow.  How many will loose their jobs behind change?  For many people, it will be hard to confront change. 

As I stood in line, a man was behind me.  His friend walked along side of him and said, "I love bookstores.  It's a shame that in 5 years, we may not have anymore book stores."  After I purchased my item, I wandered upstairs.  The cafe has a yellow, "Do Not Cross Tape," surrounding the bar, where people once sat with their computers, drinks and books.  On certain evenings, they would feature local performing artist.  It was nice listening to music and sipping on my brew.  The end of an era is upon us.  Good bye Borders.  I will miss you. 

If anyone is interested in browsing the Borders for a few good deals, please visit 6510 Canoga Avenue, Canoga Park, CA 91303.  Their contact number is (818) 887-1999.     

 

This is really sad! If you are near downtown Los Angeles, California, please stop by and show your support. The Metropolis Bookstore will be closing its doors soon. The address is 440 South Main Street, Los Angeles, CA 90013. The contact number is 213 612-0174. Please call for store hours. We love our small mom and pop businesses.

Canoga Park, Ca. Real Estate / Homes for Sale / The first step toward ownership

Dear Mr. Mrs. Buyer,

Whether you’re buying for the first time or the tenth, if you‘ve decided the time is right to become a homeowner, the first step should be to visit a mortgage lender and get pre-approved for your mortgage loan.

Choose a lender you’ve been happy with in the past, choose based on a referral from a friend or family member, or call me. I’ll be happy to give you a list of mortgage loan officers who have done well by my clients.

There is a difference between lenders and loan programs, so it pays to take a little time making your choice.

You want a lender who will:

• Give you answers in writing about what they can or can’t do for you – including the interest rate they’ll offer you
• Be responsive – returning your phone calls or emails promptly
• Doesn’t charge excessive “extra” fees
• Feels “comfortable” to you.

That last point may seem trivial, but it is important. You and the lender will be working closely together for a while, and you’re going to be revealing your personal information, so make sure you choose someone you feel comfortable with.

To save time, go to your first meeting prepared to discuss your financial situation. Take along your last couple of years’ tax returns, your last 2 or 3 pay stubs, your most recent bank statements, and a list of what you owe and what you own.

Before the lender can give you an actual pre-approval letter, he or she will have to get a copy of your credit report and FICO scores. And that’s OK. Even though you’ve read that every request will lower your scores, multiple requests from mortgage lenders all within a short time-frame will all count as one. The people who compile credit scores know that you’re shopping.

Each lender will have to give you a GFE – a good faith estimate – before you commit to using them. This gives you the opportunity to compare rates and fees between different lenders before making a choice.

If you have questions after reading those GFE reports, do ask the lender to explain them. And, if you still aren’t sure, just give me a call. I’ll be happy to go over them with you. You can reach me by calling (818) 926-5425 or emailing: Esperanza@esperanzabutler.com .

Becoming pre-approved for a mortgage loan is an important first step in purchasing your first home. Next time I write, I’ll explain why.

Yours truly,

Esperanza Butler
Realtor, GRI, e-PRO, SFR
Rodeo Realty
21031 Ventura Blvd.#100
Woodland Hills, Ca. 91364
Cell: (818)-926-5425
Office: (818)-999-2030
Esperanza@EsperanzaButler.com
www.Esperanza4homes.com
www.Activerain.com/Esperanza
http://goo.gl/tQnbs
http://goo.gl/ky7BA

If you’re simply curious and want to see what’s on the market today, come to http://goo.gl/tQnbs

P.S. Remember that during the weeks prior to purchasing a new home you should refrain from letting anyone but a mortgage lender check your credit. Don’t give your Social Security number to anyone for any reason.

My Website	For Sellers	For Buyers	Monthly Newsletter	Call me! eMail me!	Canoga Park-Winnetka	SF Valley
Face Book	Listing Book	West Hills	LA Gas Prices	Rentals	Housing Trends	You Tube

Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Calabasas, Winnetka,

Canoga Park,Northridge, Chatsworth,Granada Hills and More

If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills, Calabasas or in the San Fernando Valley, I'd be happy to assist you.

";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number.

I will be happy to help them!"

Canoga Park Ca/Neighborhood Boundary Map

Canoga Park Ca/Neighborhood Boundary Map

Canoga Park (formerly known as Owensmouth) is a district in the San Fernando Valley region of Los Angeles, California, United States about 25 miles (40 km) northwest of Downtown Los Angeles.

It is bordered by Woodland Hills on the south, West Hills on the west, Chatsworth on the north, and Winnetka on the east.

Click the plus+ or the minus- to zoom in or out and see the neighborhood boundaries

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Neighborhood Boundary Maps

Community Boundaries: Within the City of Los Angeles there are many communities such as Sherman Oaks, Woodland Hills, Valley Village, Valley Glen, etc. The Los Angeles City Council is the governmental entity that approves the actual boundaries of these neighborhoods. The official boundaries of each of these communities are delineated in the official maps approved by the LA City Council. These maps can be found on the LA City Council website. Buyer and Seller are advised not to rely on the US Postal Service or LA County Assessor’s information to determine the actual boundaries of any particular community as these records are not always accurate. Buyer and Seller are advised to check the official LA City Council maps to determine the actual boundaries of the various communities. SRAR has also provided the following interactive maps, based on the official City Council maps, for your convenience.

My Website	For Sellers	For Buyers	Monthly Newsletter	Call me! eMail me!	Canoga Park-Winnetka	SF Valley
Face Book	Listing Book	West Hills	LA Gas Prices	Rentals	Housing Trends	You Tube

Serving the San Fernando Valley and in particular West Hills,Woodland Hills,Winnetka,

Canoga Park,Northridge, Chatsworth,Granada Hills and More

If you are planning to Buy or Sell a home or land in West Hills, Woodland Hills or in the San Fernando Valley, I'd be happy to assist you.

";Oh, by the way, if you know of someone who may need my Real Estate services , please call me with their name and number.

I will be happy to help them!"

QUALITY CUSTOM FRAMING & MIRRORS

22156 Sherman Way Suite A Canoga Park, Ca. 91303

(818) 888-8178

Ask for Nick or David.

They offer great Deals on: CUSTOM FRAMES, READY-MADE FRAMES, SHADOW BOX FRAMES, CERTIFICATE FRAMES, CUSTOM MATS, REPLACE BROKEN GLASS, DRY MOUNTING, ACRYLIC BOXES, OIL PAINTING, AND CUSTOM MIRRORS.

THEY SPECIALIZE IN FRAMING ANY TYPE OF ARTWORK.

THERE IS A FRAME SELECTION FOR EVERY BUDGET

SAME DAY CUSTOM FRAMING SERVICE ALSO AVAILABLE.

" YOU NAME IT, THEY WILL FRAME IT!!!

CUSTOM FRMING MAKES A GREAT GIFT IDEA!!!