New Kumihimo Bracelet Design

This new Kumihimo beaded bracelet is available for sale now! It features Magatama beads and a golden metallic clasp half cuff.

For the more adventurous tyoes, the pattern is also available and a full kit with all components necessary can also be purchased.

This one is so glamorous in person and is sure to be a hit.

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Homes for Sale in Hot Celebrity Neighborhoods

simplifyloan

Even if you’re not after a life in the spotlight, you can still live like an A-lister (and without the paparazzi!).

Whether you prefer a secluded enclave in the hills, a chic pad right in the bustling city, or something in between, these 10 homes in celebrity-packed areas deserve their own 15 minutes of fame.

Hollywood Hills

2230 Maravilla Dr, Los Angeles, CA
For sale: $7.35 million

Hollywood Hills

This stunning home is what Hollywood dreams are made of. You’ll feel like the star of your own reality show lounging by the infinity pool overlooking the entire City of Angels. Details like the Art Deco door leading to the wine cellar elevate this sprawling 4-bedroom, 6-bath home. A dining area right off the kitchen offers even more city views, and dark wood flooring runs throughout. Best of all, Hollywood Hills is home to Salma Hayek, Carmen Electra and Kendall Jenner.

See more Hollywood Hills homes for sale.

Malibu

21550 Pacific…

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Buying a House – Which Mortgage Type Is Best For You?

Cognita Vita

This is part two of the Buying a House series. If you haven’t read the first part, “How Much House Can I Afford?” you click over and read that one first. It’s important to know how much house you can afford before worrying about mortgages.

What is a mortgage?

Most people these days cannot afford to pay cash for their home, and I’m guessing that if you’re reading this, you are not completely established yet and/or this is your first home purchase. Luckily, for those of us that do not have the cash to purchase a home, we have the option of getting a mortgage to cover the (usually large) portion that we can’t. A mortgage is a loan that either a bank or mortgage lender gives you to help finance the purchase of a house.1

A mortgage is made up of four things: principal, interest, taxes, and…

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What Credit Score Do You Need to Buy a House?

Ask Carolyn Warren

Your credit score is a major factor in qualifying for a home loan. Here are the score requirements for popular loan programs.

FHA – Federal Housing Administration
(Often referred to as a first-time home buyer’s loan; although, you needn’t be a first time buyer to get it.)
580 to 620 (depending on the lender and other credit factors)

HomeReady
(Program designed for first-time buyers with average or below incomes.)
620

Conventional 3% down
720

VA – Veterans Administration
500 to 620 (depending on the lender and other credit factors)

USDA – U.S. Dept. of Agriculture
640 (most lenders)

Subprime Loan
No score required with sufficient down payment
(Usually 30% to 40% down payment required. Interest rates from 8% to 12%.)

IMPORTANT TO KNOW

  • Lenders use your mortgage credit score, not the consumer credit score you get from a free site.
  • Lenders use the middle score of three. Scores are not…

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The Simplest Loan Around – Part 2

The Mortgage Blog

Blog Header

In the last blog post, I introduced the FHA “streamline” refinance loan. These loans are the fastest, simplest way for FHA mortgage holders to refinance to today’s low, low rates.

The streamline program simplifies home refinancing by waiving the documentation typically required for a mortgage, including income and employment verification, credit score verification, and an appraisal of the home. Homeowners can also possibly use the program to reduce their FHA mortgage insurance premiums (MIP).  Like an Olympic swimmer reduces friction by “streamlining” when underwater, the FHA streamline refinance offers much less resistance and effort than a regular purchase loan.

Streamline Image for Blog

Here’s a quick summary of the benefits:

  1. No appraisal is required – FHA will use your original purchase price as your home’s current value, regardless of what the house is worth today.
  2. No employment verification is required with the streamline refinance.
  3. No income verification is required.
  4. No detailed review of your…

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The Art of Home Selling , Chapter 1: IN&OUT

Tanja Nyberg

I want to give you a little briefing about selling your house. It doesn’t matter if you decided just yesterday to sell or already google for “PRAYERS FOR SELLING A HOUSE”, there are some tips which will can help you to improve market position of your property. I separated the whole post for 4 chapters:

  1. In&Outside:Discussing improvements which have to be done at the entrance and walk- and driveways;
  2.  Decluttering and Cleaning:to clean and declutter your home is about 80% of the selling home project, but following simple instructions will be helpful;
  3.  Focus on Functionality – about appliances and what you are planning to do with them;
  4. Make It Inviting- last small steps before the final big one.

           IN&OUT

The front porch and walk- and driveway give buyers their first impression of your home. House hunters often scout out neighborhoods and drive by listings before they attend…

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FHA CONDO APPROVAL – PROS/ CONS & MISCONCEPTIONS

The Romo Report

What are the benefits of FHA condo approval?

1 FHA condo approval dramatically increases the pool of potential buyers

Statistics show that approximately 60% of new homebuyers intend to use an FHA Loan. If your community does not have FHA condo approval, you potentially limit the buying pool to only 40% of homebuyers. NOTE: These are “regular” buyers – an FHA loan is not associated with low-income HUD programs, such as Section 8. In some counties, an FHA insured loan can reach amounts of $800,000.00 or more. Since the recession, most American buyers are using FHA insured loans, and this will be the trend for years to come.

2 Increased Home Value

FHA approved Condos have a larger pool of prospective buyers, therefore increasing competition and demand for the product. This can result in higher purchase prices and an increase in market value. This will increase the value of units…

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