Donne Knudsen

This BELWOOD mixed use property located at 2789 Tapo St is an unusual 3bd/2ba home with more than 1,500 sq. ft. on a nearly 8,000 sq. ft. lot. This incredible BELWOOD property is located just minutes from shopping, dining and entertainment spots.

But that's not the best part! With this BELWOOD property, there's no more commuting! This property is set up and zoned to accommodate a small business office setting as well as a residential home. This is the perfect property for that small business owner who wants to walk to the office instead of drive. This is not a short sale or an REO and currently has so no other offers on it.

But that's not the best part! The best part about this BELWOOD home is that it's eligible for $105,000 in down payment assistance from the city of Simi Valley First Time Buyer Program.

As far as affordable housing programs go, the city of Simi Valley has one of the best down payment assistance programs I have ever worked with. For more info on their program, check out Simi Valley First Time Buyer Program, for program guidelines and requirements.

Basically, qualified low-medium income, first time buyers can purchase a four bedroom home up to $414,000 with as much as $200,000 in down payment assistance or a three bedroom home up to $345,000 with as much as $150,000. The down payment assistance comes in the form of a "silent second" so you make no payments on it.

Not all active properties are eligible for the program because they do not meet the program guidelines for sales price and size. But guess what? This incredible BELWOOD property is eligible.

For more info on this wonderful BELWOOD home, contact Adela Anderson of RE/MAX Olsen & Associates at 818-879-2266 or at adelaanderson@gmail.com

For more info on how you can qualify for down payment assistance to purchase this BELWOOD property, contact me, Donne Knudsen of Cobalt Financial Corp, at 805.5278554 or info@donne4loans.com

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 relatively simple so contact me today to get pre-approved for this incredible program and make this fantastic property your next home.

Channel Islands, located approximately sixty miles northwest of Los Angeles, is home to Ventura County's premier beaches: Mandalay Shores, McGrath Silver Strand and Ormond. Besides the many amazing beaches, there are also countless attractions and activities for the entire family.

Mandalay Shores

Mandalay Shores, located in the northern section of Channel Islands, has incredible views of both Anacapa Island and Santa Cruz Island and the sunsets from Mandalay Shores are absolutely spectacular. Mandalay Shores is the most residential of all of all of the beaches with more home owners living full time on this beach than any of the other beaches.

Truly a family beach, Mandalay Shores is the only beach with a portion of the beach dedicated to the children. At Neptune Square, you will find a basket ball court on the sand, volley ball courts, swings and a playground.

Surfing on this beach is good during the summer time and is a favorite among not only the locals but visitors too. Because of the deep water trench, surf fishing is also a popular sport on this beach.

McGrath State Beach

McGrath State Beach is the only oceanfront campground in Channel Islands and features both RV and tent sites. Bird watchers flock to McGrath State Beach with its 245 species of birds and there's a trail that leads to Santa Clara Estuary Natural Preserve.

Sand dunes and riverbanks are scattered along the beach with the fire rings, picnic tables and the 170 campsites, which are also dog friendly. For camping reservations go to www.parks.ca.gov. Beach wheelchairs are available at 805-648-3321.

Silver Strand Beach

Silver Strand Beach is the locale of choice for many of the local surfers and is also one of the best locations for boogie boarders and body surfers. This mile-long stretch of beach is absolutely beautiful and one of my favorite beaches to spend a day in the sun with the hubby and "fur babies" (dog friendly beach).

Ormond Beach

One of the few remaining tracts of coastal habitat in SoCal, Ormond Beach is a bird watchers paradise. The Coastal Conservancy is currently restoring the wetlands and grassland habitats and in the future, visitors will enjoy a wildlife preserve, nature trails, and an environmental education center.

If you're looking for more than just a beautiful beach to spend your weekend or summer vacation, Channel Islands also sports some fun and exciting activities and recreation.

There is the Maritime Museum with a maritime theme and models of historic sailing ships. Channel Islands National Park offers hiking, kayaking, snorkeling and bird watching in a truly serene and natural environment.

Channel Islands National Marine Sanctuary is an oceanic reserve area just off the coast of Channel Islands. It is responsible for the protection and preservation of submerged remains of the past that occupy the bottomlands of this 1,252-square-nautcial-mile piece of the Pacific Ocean surrounding the Channel Islands National Park.

Oxnard Beach Park, adjacent to the beach, is a perfect spot for kite flying, picnicking, barbecues, volleyball, skating, jogging. This is another favorite with hubby and I and the "fur babies" (dog friendly).

Port Hueneme Beach Park is 50 acres of beautifully landscaped parkland. This park is a favorite among fishermen because no permits are required for fishing from the pier. The park also offers picnic areas, barbecue pits and a snack bar.

Incredible Kagel Canyon home located at 9950 Omelveny Ave, is a great starter home for today's first time buyers. This 2bd/1ba home of nearly 1,250 sq. ft. sits on a large corner lot of nearly 7,400 sq. ft. is listed for $180,500 and is eligible for up to $75,000 in down payment assistance.

As part of HUD's Neighborhood Stabilization Grant Program, the Los Angeles Housing Department (LAHD) is now offering their "Walk-In" down payment assistance program to eligible homebuyers who wish to purchase vacant, bank owned properties in NSP eligible areas.

Eligible buyers are those who do not currently own a home, whose household income meets the programs income guidelines and who plan to occupy the property as their primary residence.

Eligible borrowers can receive up to $75,000 in down payment assistance (depending on income and family size) as well as an additional $50,000 for homes requiring some additional repairs and/or rehabilitation. The loans are an interest deferred second mortgage with no payments due until the property is sold or refinance.

Kagel Canyon is a wonderful neighborhood in the shadow of Placerita Canyon in the Angeles National Park. Placerita Canyon is not only host to their own Nature Center & Museum but they also have some of the most incredible walking trails and breathtaking views.

For more info on this incredible Kagel Canyon property, contact Mike Oyoque of Century 21 Excellence at 562.6951956. For more info on how you can qualify for the NSP down payment assistance to purchase this Kagel Canyon home, contact me, Donne Knudsen of Cobalt Financial Corp, at 805.5278554 or info@donne4loans.com.

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 relatively simple so contact me today to get pre-approved for this incredible program and make this fantastic Kagel Canyon property your next home.

ATTENTION SIMI VALLEY FIRST TIME BUYERS: beautiful SIMI GLEN townhome is move in ready and eligible for down payment assistance.

This beautiful SIMI GLEN home located at 390 Jeremiah Dr. is a lovely 3bd/2.5 ba home that is absolutely move in ready. It is not a short sale or an REO so no waiting around for some bank to approve your offer but an actual real live seller and Realtor who will respond to your offer in hours not days.

The seller has just repainted, and installed all new flooring. This home also features a seperate family and living room, large dining area, full two car garage with laundry, private brick patio, cozy fireplace, and is super, super clean. Nothing like the dilapitaded REO dumps you've been looking at, making offers on and not getting it.

But that's not the best part, This incredible SIMI GLEN townhome is located in one of the best areas of Simi Valley. The SIMI GLEN community is just across the street from Stargazer Park.

It's also within walking distance to both the Tierra Rejada Golf Course and the Strathearn Historical Museum.

But that's not the best part! The best part about this SIMI GLEN home is that it's eligible for $140,000 in down payment assistance from the city of Simi Valley First Time Buyer Program.

As far as affordable housing programs go, the city of Simi Valley has one of the best down payment assistance programs I have ever worked with. For more info on their program, check out Simi Valley First Time Buyer Program, for program guidelines and requirements.

Basically, qualified low-medium income, first time buyers can purchase a four bedroom home up to $414,000 with as much as $200,000 in down payment assistance or a three bedroom home up to $345,000 with as much as $150,000. The down payment assistance comes in the form of a "silent second" so you make no payments on it.

Not all active properties are eligible for the program because they do not meet the program guidelines for sales price and size. But guess what? This incredible SIMI GLEN townhome is eligible. As of today, this property is still available which means you're not competing with a gazillion other buyers for the property.

For more info on this wonderful SIMI GLEN home, contact Gregg Bruno of Troop Real Estate at 805.7958160 or at greggbruno@hotmail.com

For more info on how you can qualify for down payment assistance to purchase this SIMI GLEN townhome, contact me, Donne Knudsen of Cobalt Financial Corp, at 805.5278554 or info@donne4loans.com

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 relatively simple so contact me today to get pre-approved for this incredible program and make this fantastic property your next home.

The California Housing Finance Agency (CalHFA) has to announce the return of the California Homebuyer's Downpayment Assistance Program (CHDAP).

CHDAP provides down payment assistance in the form of a deferred payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value. Interest is calculated at 3.25% per annum simple interest.

Borrowers must be first-time homebuyers as well as meet the program income guidelines and requirements and the property must be within CalHFA's sales price limits. CHDAP may be combined with the following first mortgage programs:

• CalHFA Cal30 Conventional Loan Program (more about this later)

• CalHFA Community Stabilization Home Loan Program (CSHLP)

• CalHFA SMART Loan Program

• Any non-CalHFA conventional or government first mortgage loan

CHDAP down payment assistance can not replace borrower required down payment. For example, if you are using CHDAP with FHA, you will still need to come in with 3.5% down payment in accordance with FHA requirements but you can use CHDAP in addition to your required down payment or to cover your closing costs.

CalHFA will also be requiring prospective homebuyer education counseling for all borrowers applying for a CalHFA conventional first mortgage or subordinate mortgage loan program, even if the first mortgage loan is a non-CalHFA program.