Hemet, CA

Firefighter Jason McKay and three other firefighters were killed in the line of duty on October 26, 2006 when the Esperanza fire overran their fire engine. A fifth died days

The Jason McKay scholarship honors his memory and sacrifice by helping students enrolling at MSJC (Mt. San Jacinto Community College) to become firefighters, EMTs or other first responders.

The scholarship gives up to $500 to students that can be used for education and equipment. For example, the types of boots that a firefighting student needs can cost about $250.

Raymond Lee Oyler stands accused of arson and murder for the Esperanza fire. Jurors in that trial may hand down a verdict as soon as today, including the possiblity of death penalty.

Donations to the Jason McKay Memorial Scholarship can be deposited at Provident Bank, 1690 E Florida Ave, Hemet, CA 92544. For more information on how to donate or to apply for the scholarship you can contact Will Burger at the offices of Congresswoman Mary Bono Mack by calling (951) 658-2312 ext 15, or by mobile phone (951) 973-4343 or email willburger@gmail.com.

On Thursday, March 12th, Mr. Burger will be giving a presentation to local Realtors at the Real Agent Help Breakfast at Mimi's Cafe. All proceeds from the breakfast will go to the scholarship.

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Top Hemet Mortgage & Real Estate Articles:

• What's the Interest Rate Today? It's on your Cell Phone.
• California and the Terrible, Horrible, No Good, Very Bad Real Estate Market
• Investing in Hemet Real Estate...Good News and Bad News
• 7 Steps to Fix Your Credit

Looking to buy real estate?

• Riverside County Homes For Sale
• Foreclosures, REO and Bank-Owned Real Estate For Sale
• Senior Homes For Sale

Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751

Because of the economy, more and more people are wondering what the consequences of their bankruptcy or foreclosure are in regards getting a mortgage loan and buying real estate.

• How long do I have to wait to buy a home after a foreclosure?
• How long do I have to wait to get a home loan after declaring bankruptcy?

The rules for FHA and conventional loans are different, so I'm going to go with FHA, since they're easier.

Foreclosure

Three years needs to pass, with good payment history, after a foreclosure to get approved for an FHA loan. There are exceptions to this but they are very restrictive - Only serious illness or death of a primary wage earner. Job loss, transfer or inability to sell the home do NOT count as exceptions.

Bankruptcy - Chapter 7

Two years need to pass, with good payment history, after a chapter 7 bankruptcy is DISCHARGED to get approved for an FHA loan. There is an exception down to one year under strict guidelines - Must show that the circumstances were out of your control and that you have the ability to manage your finances since the BK.

Bankruptcy - Chapter 13

A buyer can qualify for an FHA loan with a Chapter 13 bankruptcy as long as they have had at least 12 months with a good payment history according to the plan.

Other important notes:

• These items stay on your credit for as long as 11 years.
• Bankruptcy or foreclosures within the last 7 years must be disclosed on your mortgage application. Late payments after these types of events are an easy way to get denied.
• Patrion can only give a mortgage loan to someone with a credit score of 620 or higher. If you meet the above guidelines, but haven't built up your credit over 620, you wouldn't qualify.

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Top Hemet Mortgage & Real Estate Articles:

• What's the Interest Rate Today? It's on your Cell Phone.
• California and the Terrible, Horrible, No Good, Very Bad Real Estate Market
• Investing in Hemet Real Estate...Good News and Bad News
• 7 Steps to Fix Your Credit

Looking to buy real estate?

• Riverside County Homes For Sale
• Foreclosures, REO and Bank-Owned Real Estate For Sale
• Senior Homes For Sale

Joey Aszterbaum is the Hemet Home Loan Guy and a member of the Active Rain social network of real estate professionals. Patrion Mortgage is a direct lender and a division of Altura Credit Union (formerly Riverside County's Credit Union). To buy or refinance real estate in Hemet, Riverside County, California visit www.HemetHomeLoans.com or call 951.571.5751

I got a call from a friend, who belongs to the local jeep club, and he asked if I wanted to go on a "snow run." My thoughts immediately went back to a childhood spent frolicking around in the elements until I couldn't feel my toes. Then I realized that I wasn't in Ohio anymore but rather we were in Southern California. Therefore he must be talking about going to the Idyllwild-Pine Cove area via the fire trails. We had made a similar trek earlier in the summer minus the snow. I figured this would be a little more exciting and decided to go despite my aversion to cold whether.

Besides, his 5yr old daughter was going and I wasn't going to get shown up by a 5yr old.

At 5:00 pm, accompanied by six other jeep enthusiasts, off we went on our journey.

We didn't see snow until we hit the 5,000 foot mark. The skies were grey and the snow was abundant. In fact, we didn't realize how much snow was falling until we looked at our digital cameras after snapping a couple of shots.

After a couple of hours of caravanning through the Mountains, we discovered a new favorite Mexican restaurant. Only in Southern California will you find a Mexican restaurant sitting on top of a Mountain. To think all of this fun is in our own back yard!

Don't let your dryer start a fire; keep your home safe and sound. Dryer Vent Wizard professionally inspects and cleans clothing dryers for homeowners and in commercially-owned buildings. Poorly maintained dryer vents cause fire hazards and cost substantially more to operate.

Why Dryer Vent Cleaning is so Important!

•· Dryer vents clogged with lint cost $18-24 more per month.

•· There are 15,500 fires every year caused by dryer vents.

•· Dryer manufacturers recommend you clean your dryer vent every year.

•· Regular dryer vent maintenance prolongs the life of your dryer.

Our services include:

•· Dryer vent cleaning

•· Dryer vent repair

•· Dryer vent alterations

•· Dryer vent tube installations

•· http://www.dryerventwizard.com

Contact:

Dryer Vent Wizard of Murrieta

Steve Gors

866-498-7233

Email: sgors@dryerventwizard.com

Service area: San Diego County, California, Encinitas, Escondido, Carlsbad, Vista, San Marcos, Fallbrook, Bonsall, Oceanside, Rainbow, Solana Beach, Del Mar, Riverside County, Temecula, Murrieta, Lake Elsinore, Wildomar, Perris, Corona, Riverside, Moreno Valley, Hemet, Menifee, Canyon Lake, Nuevo, San Jacinto, Winchester, Rubidoux, Norco and neighboring cities and communities.

Yes, Hemet is a little sleepy town compared to San Diego, Orange

county and La. And yet, there are many treasures surrounding it

within a quater tank of gas. If you like fresh air and beautiful views of

vistas ,then Oak Glen, located just 15 miles from the Hemet/San Jacinto

valley, is the perfect choice. My wife and I and 3 of our 4 daughters

spent yesterday afternoon

hiking, munching on

raspberries and Carmel apples at

one of our favorite apple farms,

Riley's Apple Farm. (Our

forth daughter is currently

attending a private Christian college located on the Pacific ocean,

poor thing!) The weather was fantastic and the place was filled with fun activity.

One of the best parts of this trip is the hike into the mountains. The views are breath taking

as you can see. Its a great opportunity to stop and smell the roses.

Another favorite activity is sampling the apple cider and all the

different varieties of apples. They also had apple butter,

Jalapeno jelly and many other interesting jams

and spreads. If you are ever in the area make sure you make this

trek to this small mountain community; you'll be glad you did.

To get to Glen Oak from Hemet take Sanderson straight up to Beaumont Rd

continue

until

you get

to Riley's apple farm. (Please

note that Sanderson turns into Beaumont

Rd) it is that

easy.

Feel free to e-mail if you have any

questions. http://www.soldbybarr.com/