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Monthly Archives: June 2015

Moving from North Idaho to California owner wants to trade.

 2214 Buena Creek Rd
Vista, California $595,000

Beautiful hillside home with panoramic views. This MUST SEE custom built 4 bedroom, 3 bath ranch style home sits on a private 0.6 acre lot in a prestigious area of fine homes in Vista, California. Home has been updated through the years and is in excellent condition. Located in the country, yet only one mile from Highway 78 and only 10-15 minutes from the ocean. Enjoy this wonderful, private and peaceful setting.

The spacious kitchen has plenty of custom built oak cabinetry, lots of counter top space, an eating bar, an electric range, a double oven, a dishwasher and a built-in hutch.

The family room has a massive stone fireplace and built-in bookcases. Beautiful new sunset acacia wood laminate flooring and tile flooring thoughout entire house. Home has new paint. The large living room and formal dining room share great views of the valley and hillsides through large picture windows with custom vertical blinds.

Storage galore. Large double door coat closet just off the entryway. The master bedroom has his and hers cedar lined double closets and another closet with shelf space is located in the master bathroom. Each of the other three bedrooms have large double cedar lined closets with double sliding doors and shelving. There are also a single and double closet in the hallway with shelving as well as ample storage space in the attic. The utility room has custom built floor-to-ceiling cabinets with adjustable shelving and cabinet doors.

The bonus room next to the family room has a sliding glass door that opens onto a large covered patio area.

The attached two car garage has custom floor-to-ceiling cabinets with shelves and doors and a workbench on three perimeter walls. Entry is via an electric rollup door and a side door entrance. A 220V electric outlet is available for hobbyists. There is a concrete driveway with a large asphalt parking area and an oversized two car garage is a plus! A separate 35? RV parking pad is located adjacent to the driveway.

The private fenced front and back yards. The front yard and side yard have awesome views and are perfect for a large deck, gazebo or hottub? The lot is fully fenced.

New roof with 30 year transferable manufacturers warranty and 20 year installers warranty.

Thermostat controlled ceiling heating throughout.

– See more at:

5 Things You Probably Don’t Know About VA Loans


VA loans are the most misunderstood mortgage program in America. Industry professionals and consumers often receive incorrect data when they inquire about them. In fact, misconceptions about the government guaranteed home loan program are so prevalent that a recent VA survey found that approximately half of all military veterans do not understand it.


With this in mind, we would like to debunk the most common myths about VA Loans.


Myth 1: The VA loan benefit has a “one time” use.

Fact: Veterans and active duty military can use the VA loan many times. There is a limit to the borrower’s entitlement. The entitlement is the amount of loan the VA will guarantee. If the borrower exceeds their entitlement, they may have to make a down payment. Never the less, there are no limitations on how many times a Veteran or Active Duty Service Member can get a VA loan.


Myth 2: VA home loan benefits expire if they are not used.

Fact: For eligible participants, VA mortgage benefits never expire. This myth stems from confusion over the veteran benefit for education. Typically, the Montgomery GI Bill benefits expire 10 years after discharge.


Myth 3: A borrower can only have one VA loan at a time.

Fact: You can have two (or more) VA loans out at the same time as long as you have not exceeded your maximum entitlement and eligibility. In order to have more than one VA loan, the borrower must be able to afford both payments and sufficient entitlement is required. If the borrower exceeds their entitlement, they may be required to make a down payment.


Myth 4: If you have a VA loan, you cannot lease the home.

Fact: By law, homeowners with VA loans may rent out their home. If the home is located in a non-rental subdivision, the VA will not guarantee the loan. If the home is located in a subdivision (such as a co-op) where the other owners can deny or approve a tenant, the VA will not approve the financing. When an individual applies for a VA loan, they certify that they intend on making the home their primary residence. Borrowers cannot use their VA benefits to buy property for rental purposes except if they are using their benefits to buy a duplex, triplex or fourplex. Under these circumstances, the borrower must certify that they will occupy one of the units.


Myth 5: If a borrower has a short sale or foreclosure on a VA loan, they cannot have another VA loan.

Fact: If a borrower has a claim on their entitlement, they will still be able to get another VA loan, but the maximum amount they would otherwise qualify for may be less. For example, Mr. Smith had a home with a $100,000 VA loan that foreclosed in 2012. If Mr. Smith buys a home in a low cost area, he will have enough remaining eligibility for a $317,000 purchase with $0 money down.  If he did not have the foreclosure, he would have been able to obtain another VA loan up to $417,000 with no money down payment.


Veterans and Active duty military deserve affordable home ownership. In recent years, the VA loan made up roughly 13% of all home purchase financing. This program remains underused largely because of misinformation. By separating facts from myth, more of America’s military would be able to realize their own American Dream.

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