Waiting Periods Required for Significant Derogatory Credit Events

I'm sure, at some point, your personal credit history has encountered a hiccup or two; perhaps even something that turned your world upside down.  Once you've done the work of living through the event and then making the effort to clean up your credit, you'll discover that there are still waiting periods for the various derogatory items. The following should be helpful in providing you with the waiting periods that are required for these derogatory credit events.

US Open of Surfing 2013

The US Open of Surfing is about to begin in Huntington Beach, and it looks like Vans is the title sponsor this year.  This event and the great surfers who compete always bring in huge crowds.  

Photos I took at the event in the past couple years.

It's especially fun for my family and I to watch since my son's good friends surf the event.  Brett Simpson and Tim Reyes are family friends so we look forward to supporting them and cheering them on again this year.  Brett actually won it 2 years in a row and that was really exciting for everyone around here!

Shaun, Brett and my son, Matt

I'm looking forward to taking my granddaughter, Everleigh, to her first surf contest.  She loves the water and is coming around to the idea of going in the ocean.

Everleigh and I at Dog Beach this past weekend.

Underwater On Your Mortgage? - HARP Loan May Help

Home Affordable Refinance Program (HARP) Loan

DETAILS HERE

You may be able to REFINANCE even if you're upside-down in your mortgage.  With the HARP loan, you may be able to decrease your monthly payments.  And, keep in mind, only a 620 FICO is required.  If you have a Fannie Mae or Freddie Mac-owned home loan, let me know and I'll try to help you out.

To figure out if your mortgage is owned by Freddie Mac or Fannie Mae, use these websites:

Freddie Mac?

Fannie Mae?

Zero Energy Living at Whistler Ridge in Lake Forest, CA

Have you heard of "Net-Zero" homes?  Whistler Ridge, in Lake Forest, is a community of new homes "going green"; that is, these homes use technological advancements to save both energy and money.  I think it's a really interesting project, and seems to be the way things will be headed in the future.

There are 8 of these homes still available.  For more information, contact me: 949-945-6146, or Larry Mancebo, who is working directly on this project:

Larry Mancebo

Sales Representative

DRE# 00494006

KB Home @Whistler Ridge, Lake Forest

12 Willow Way, Lake Forest, CA 92630

Direct: 949-472-4452

Whistler Ridge Web Site

My Office in Newport Beach, California

Just wanted to share my contact information here.  I'm the Branch Manager at WJ Bradley, and we are located in Newport Beach, near the back bay.

20341 SW Birch St. #330

Newport Beach, CA 92660

Mobile: 714.240.4511

Direct: 949.945.6146

NMLS #: 251067

 Our office is on the 3rd floor on the Westcliff side.  This is the only equestrian area in Newport Beach, located near the only winery in Newport Beach.