Goldpoint Mortgage October 2018

October 2018

Hoang Dang

Donald Tran

2082 Business Center Drive, Ste 170, Irvine, CA 92612 • • (833) 846-6348

Home for the Season


Hello again! How is this month treating you? I hope you enjoyed the last days of summer. Can you believe it’s already fall? The autumn equinox signals the beginning of a new season — and in many ways, the

As we work with a lot of homeowners, we get very excited about seeing all of the decorations. Isn’t it fun to watch lights go up on all the houses? It turns neighborhoods into wonderlands with bright, sparkling lights that make you feel warm inside when you see them. Lights and holiday decorations are a great way to add some accessories to your home and start the holiday season while bringing joy to your family and neighbors. After you put up the lights together, offer to help an elderly neighbor who may have a harder time getting up on the ladder to put up decorations. It feels good to help out, especially during the holidays. Our personal relationships are so important, and taking time for your family and friends will strengthen those relationships. Time is something we all have, even when it feels like we don’t have a lot of it to spare. You have at least five minutes, right? Give your aunt a call, write a message to your friend to tell them how much you care, or just give your son or daughter a hug! A happy family starts at home, and that love spreads to the community. It’s why we love helping you get your perfect house and seeing you build a home. Now, go enjoy your autumn! There are so many fun things happening in Southern California this time of year. If you are looking for inspiration, we have some ideas for you on Page 4. The Autumn Festival looks like a fun celebration. Have you ever been? I might just have to check it out! There’s one thing that doesn’t change with the seasons: We are always here for you. Through every step of buying and owning your home, we want to make it an easy and simple process. Reach out to us if you have any questions. We’re happy to help.

beginning of the holiday season.

With football, festivals, and, of course, tasty food, there is a lot to look forward to. Was anyone else waiting for the return of the Pumpkin Spice Latte? Soon there will be pumpkin pie, turkey, and sweets on the table — so much good food, I think my mouth is watering already! As the days get a little shorter, it’s the perfect time to spend cozy evenings curled up on the couch at home with the family. It means trips to the pumpkin patch and festivals, decorating our homes, and celebrating everything that we have, including a great house to come home to at the end of the day. We spend more time with family, see loved ones we haven’t seen in a while, and get ready to celebrate the season. I love this time of the year!

“Our personal relationships are so important, and taking time for your family and friends will strengthen those relationships.”

Happy fall,

–Donald Tran

1 Toll Free: (833) 846-6348

Cooking Oils Declassified

Are You Using Extra-Virgin Olive Oil Wrong?

Coconut Oil Better for baking than cooking, coconut oil is generally solid at room temperature. It can be used for some cooking, but like EVOO it doesn’t play well with high temperatures. Keep it at 350 degrees or below and use it as a butter substitute. Canola Oil/Vegetable Oil A good option for high-heat cooking, baking, and frying, these utilitarian oils are completely neutral in flavor, but they’re not heart-healthy. Vegetable oil is a generic mix of oils, including soybean, canola (rapeseed), and palm oils, making it the most inexpensive cooking oil. Peanut Oil Great for high-heat cooking, frying, and deep-frying, peanut oil has a neutral flavor, so you can easily use it in just about any dish that needs a cooking oil. It’s also a more heart-healthy option than canola and vegetable oils.

Not all cooking oils are created equal. Some cooking oils have distinct flavors, while others are suited for high temperatures. Every oil is unique. Here are six common oils and their best uses.

Extra-Virgin Olive Oil An often misused oil, extra-virgin olive oil (EVOO) should not be used for cooking or frying. It’s simply too delicate and cannot withstand high temperatures, which can damage the flavor, ruining dishes. Instead, use it as a finishing oil — drizzle it over pasta, salad, or bread. Olive Oil Unlike EVOO, standard olive oil can be used for cooking and frying. It can withstand temps up to about 460 degrees. In many cases, you can use it in place of other cooking oils — just be sure you’re using plain olive oil and not EVOO. The second Monday in October may be our nation’s most hot-button bank holiday thanks to the deeply divided perception of the man the holiday originally intended to celebrate, Christopher Columbus. In recent decades, there has been a re-examination of Columbus’ role as a national icon, with critics pointing to historical evidence of the man’s cruelty, incompetence, and instrumental role in establishing a racist colonial system in the “New World.” In the face of such stark evidence, one wonders where the more innocent, heroic tales of Columbus sailing the ocean blue in 1492 came from in the first place. Enter Washington Irving, one of the pioneers of American literature. Irving is best known for his short stories “Sleepy Hollow” and “Rip Van Winkle,” but the early 19th-century author also dabbled in “romantic history.” This genre of literature shares many similarities with modern historical fiction, telling gripping, personal narratives set during historical events. However, unlike writers of historical fiction, romantic history authors had a tendency to portray their works as objective, unbiased histories, despite obvious embellishments and inferences. Romantic history was particularly popular in the United States as our young nation struggled to establish a distinct culture and history of its own. In Irving’s time, most American works of literature were seen as “low”

Avocado Oil When you need an oil to withstand high temps, this is your oil. It has a smoke point of 510

degrees, making it perfect for grilling and stir-frying. What makes avocado oil particularly unique is it can also be used as a finishing oil, like EVOO. It’s light yet resilient.

The Real Man Behind Columbus Day

imitations of European works. It was in this context that Irving penned “A History of the Life and Voyages of Christopher Columbus,” which portrayed the first European to come to the Americas as a dreamer who broke free of the backward mindset of his continental contemporaries. This work perfectly captured the national mood, making this romantic origin story a hallmark of American myth. Today, “The Life and Voyages” has largely been derided by scholars. Professor of American literature John D. Hazlett says that Irving “... saw American history as a useful means of establishing patriotism in his readers, and while his language tended to be more general, his avowed intention toward Columbus was thoroughly nationalist.” Despite this criticism, the mythic figure first popularized by Irving remains a national symbol today. The story of Irving and Columbus serves to remind us that “history” and the past are not one and the same. Histories, romantic or otherwise, are interpreted and consumed by those in the present and can often say more about their own time than those they attempt to portray. Our nation was in search of an identity distinct from Europe in 1828. As the debate around Columbus Day continues to surge, one may ask, what is our nation in search of today?



Follow Our Perfect Recipe Get Prequalified for a Home Loan When buying a home, people often start by looking for a house and contacting a realtor. Once they find a house they like, they go to the bank to apply for a loan. The problem with doing it in this order? They often get rejected.

We see many people file their paperwork with the bank, only to be told they’re not qualified for the loan. It can make them lose hope of ever owning their dream home. We’ve seen it happen far too often.

A lot can go wrong if you don’t follow the right

steps in the right order. It’s a little bit like following a recipe when you’re cooking. If you get the wrong ingredient at the store, confuse the sugar with the salt, or forget to preheat the oven, the recipe isn’t going to turn out like the one in the picture. Each step is important. Fortunately, we’re here to help you get the results you want. We help our clients follow the perfect recipe to find their dream homes. The first thing you should do when buying a home is go to the bank and find out what your loan options are. That way, you can get a prequalification letter from the bank ahead of time and know that you are all set as far as the financial aspect is concerned. It’s something we always include in our training videos because it’s so important for our clients to understand this process. You need to know at the beginning how much you qualify for. You’re not going to roast a chicken without turning on the oven, right? As a smaller bank, we can be more flexible and move more quickly than bigger banks. We help you through the prequalification process so you know exactly how much you qualify for before you move on to the next steps. To make this process even faster for you, we’ve set up an easy-to-use texting service so that you can quickly find out what you qualify for. You just text the number, answer a few questions on the automated system, and in a few hours, we will have an amount for you. Text “Qualification” to (239) 842-9693 or go to to get your loan prequalification estimation today.

This meal-in-a-glass smoothie will cure your craving for a pumpkin spice latte. It’s packed with nutrients and fall flavor. If you’re the type of person who uses your blender more than your pots and pans, you’ll definitely want to add this recipe to your rotation.


• • •

1 cup coconut milk

• •

1 frozen banana, sliced

1/4 cup organic pumpkin purée 2 teaspoons pumpkin pie spice (or substitute with cinnamon and ginger)

1 cup ice


1. In a blender, combine all ingredients. 2. Blend on high or on smoothie setting until smooth.

3. Transfer to a cold glass, garnish with pumpkin pie spice, and serve.

Inspired by

Toll Free: (833) 846-6348 3


2082 Business Center Drive, Ste 170 Irvine, CA 92612 Toll Free: (833) 846-6348

Celebrate Fall 3Ways to I N S I D E Home for the Season 1 Understanding Cooking Oils and Their Uses The Real Man Behind Columbus Day 2 Gain Peace of Mind by Getting Prequalified 3 Let’s Celebrate Fall! 4

Celebrate the fall season with these fun, local Southern California events!

has hosted the Festival of Lights, and it promises to be the best yet. The free, six- week-long display puts the Mission into full holiday decor with one of the nation’s largest holiday light collections. Kids and parents alike will be enamored with the show! It’s a great way to kick off the holiday season. ART SAN DIEGO Oct. 18-21 Wyland Center, Del Mar Fairgrounds Del Mar, CA Explore the artistic talents of our local Californian artists as well as artists from around the world at Art San Diego. Exhibits include sculpture, painting, photography, and glasswork, all of which will be on display at the scenic Wyland Center in the Del Mar Fairgrounds. Don’t miss this opportunity to see the best of contemporary art — Art San Diego boasts the only contemporary fine arts show in San Diego! Panel discussions and special events are all part of the show. Visit to learn more.

AUTUMN FESTIVAL Saturday, Nov. 17 and Sunday, Nov. 18 Aquarium of the Pacific Long Beach, CA The Autumn Festival is a celebration of Asian cultures, featuring the amazing food, arts, and marine habitats of Asia. It takes place at the Aquarium of the Pacific, home to some amazing marine life, and this is the aquarium’s 17th year of hosting the festival. The weekend event includes learning opportunities and family entertainment celebrating the rich history of Asian and Asian-American cultures. Free for members. Call (562) 590-3100 to learn more.

FESTIVAL OF LIGHTS Begins Nov. 23 and runs through the

holiday season The Mission Inn Riverside, CA

Experience the splendor of the holiday season at the Festival of Lights. This year marks the 26th year that The Mission Inn


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