Lake Forest, CA

Irvine Ranch Water District serves all of the city of Irvine and portions of Tustin, Newport Beach, Costa Mesa, Orange and Lake Forest. They are currently offering rebates on high efficiency water-saving upgrades such as a new washing machine ($335), new high-efficiency toilets (up to $265), weather based irrigation controllers ($60 per valve) and synthetic turf ($.30/square foot). Details of the programs and application forms are available at their website where they also have other tips to save water (and money!)

Now, you just have to figure out what to do with the old, less-efficient items!

The answers lie within the fact that your home, yes is an aspect of financial security, but more importantly represents a life! So as with any loss, comes profound sadness and high anxiety.

Many are living in quiet desperation, realizing that something has to give, but loosing your home, represents more then moving, so we try to hold on. Trying to deal with increased Interest Rates or Monthly Payments, Negative Equity, Lower Property Values, looming Mortgage Resets, living on Credit to make ends meet and it all becomes a vicious cycle.

So where do you turn, many decide just to walk away. Others search for answers, realizing loosing their home is more then just finding a new place to live rather the need to take a positive step towards rebuilding security.

There is a light at the end of the tunnel. Help is out there and you might be a perfect candidate for a Loan Modification through Loss Mitigation.

What is Loss Mitigation? It allows for Negotiations on your behalf with your lender. This is not a new loan and won’t change your home title. It’s the process of engineering a solution for both the Homeowner and Lender.

But it is not as simple as a phone call to your lender, if you have tried to go to them for help then you understand. The process is made possible by a deep understanding of Lending guidelines, Lender protocol and procedures, knowledge of State and Federal laws and regulations; focusing on the goal to secure more affordable terms for the homeowner while managing the risk and losses of the Lender.

Trust there are possibilities, HOMES are saved everyday!

Kelly Turbeville is one of South Orange County premier Real Estate Advisors focusing in the Saddleback Valley and the communities of Lake Forest, Portola Hills, and Foothill Ranch. Whether she’s helping a first time buyer accomplish the goal of homeownership, or coaching a homeowner on venturing into real estate investments or helping a client review their mortgage options, Kelly is committed to making it happen! For Kelly, it has never been just about selling you a house! Her success comes from developing a business that is a trusted place to turn to when you need anything Real Estate!

It’s Possible!

The above information is provided as an opinion and is deemed reliable but not guaranteed.

Portola Hills Open House - Sunday 9/28/08

Stop by for a visit to this beautiful Portola Hills home at 19222 Red Bluff Dr., Lake Forest. I will be holding this home open from 1:00pm - 5:00pm on Sunday and I'd love to see you there! Even if you are not currently in the market, you may think of someone once you see this great property.

Come visit this open floorplan 4 bedrooms, 3.5 baths, home featuring a large bonus room and Jack and Jill bathroom upstairs. One bedroomn and full bath are down stairs. The kitchen has a huge island with new stainless steel double oven, upgraded stove, new microwave and walk-in panty. Every room has it's own ceiling fan and Plantation Shutters cover the windows in the Living/Dining room and Bonus room. Te three car garage is perfect for your "project car" along with plenty of storage.

I hope to see you there!

John Alesi, REALTOR® - CENTURY 21 Superstars

949-510-2154

Visit www.YourOCHome.com to search the MLS!

If your Lake Forest home needs painting, new windows, garage door, new roof, plumbing, appliances or other repairs or upgrades, check into the City of Lake Forest's "Housing Rehab Loan" program. They offer up to $30,000 for home improvements at a great interest rate of 3% for 15 years, or for those who qualify, a zero percent interest deferred loan with no payments!

These loans are available subject to income limits and the properties must be owner-occupied and have some equity. More details are available at the City's website.

The Lake Forest II Homeowners Association includes 3436 homes in 14 different neighborhoods.

The Sun & Sail Club is the social center of this association and the facilities include 3 full sized pools, a kiddie wading pool, a large spa where you can watch the sun set over the lake, 9 tennis courts, sand volleyball, basketball, a gym, picnic areas, and a clubhouse where you can attend or host social functions.

Details about the individual neighborhoods and information about the recent real estate activity can be found at my locally focused blog : LakeForest2Homes.com