Goldpoint Mortage's online newsletter for September 2018
September2018
2082 Business Center Drive, Ste 170 Irvine, CA 92612 • www.GoldPointMortgage.com • (833) 846-6348
We Are Here for You
HOME FOR A LIFETIME
Hi there! Are you enjoying your summer? I am, but it would be nice if it were a little cooler! Before we know it, though, it will be. It’s a good time to soak up the sun.
stressful parts, so you can have fun with your family — or so you can enjoy retirement in peace and quiet in your home, without worrying about the financial headaches. Leave that to me. Now that you have your dream home, you might be wondering, “What can I do for my kids? How can I help them find success and a home of their own?” These are the kinds of questions about your future as a homeowner that we can help you answer. There’s a lot we can help you plan for when it comes to your children’s futures. Maybe your son is graduating from medical school, and because of student loans, he cannot buy a house. You may not know it, but as a homeowner, you have access to many great opportunities to help him. For some of our clients, this means refinancing so they can use the equity to help their child. Their children can buy a house and pay them back. It makes sense for some people to do this. We can find out what is right for you together. I’ve worked with many families and seen many trends come and go. Do you know what never goes out of style? Helping connect a family to what will likely be their greatest financial asset and surely their most- cherished place in the world: their home. It’s where you eat family dinners, have parties, raise your kids — it’s where you make so many wonderful memories. As your guides, we are here to help you make most of this asset. My business partner, Hoang Dang, and I are passionate about sharing our knowledge and experience. Combined with my experience in mortgages, Hoang brings business expertise and knowledge to our team. He has an MBA and a master’s in finance, so he knows what he’s talking about! You will read more about Hoang on the inside of the newsletter, and you can always reach out to introduce yourself.
It’s also great to share what’s
happening through this newsletter. We love working with people like you! Having been in the mortgage business for over 30 years,
I’ve had the joy of working with
many families. I’m grateful to use my knowledge to help you with the sometimes-tricky process of buying and owning a home. I know you can’t make an intelligent, well-researched decision until you have knowledge, facts, education, guidance, and maybe most importantly, answers to your questions. That’s why I make the effort to help you get the best education, answers, and research. I want you to be informed as a homeowner, so you don’t just know about all the benefits, but also the potential pitfalls. Whatever decision you make about your home, it needs to be right for you. As your greatest asset, your home shouldn’t be a headache, right? You want to get joy from it! You want to celebrate birthdays and share family time together in your home. You can turn to us to help you with the
“... I make the effort to help you get the best education, answers, and research. I want you to be informed as a homeowner, so you don’t just know about all
the benefits, but also the potential pitfalls.”
We are excited to get to know you better! Please say hello — we would be happy to hear from you! If you have any questions, let us know!
-Donald Tran
1 Toll Free: (833) 846-6348
Prepare Your Garden Autumn Steps for a Better Spring Garden
CHICKEN WIRE
With fall just ahead, it’s a good time to think about your spring garden. For a beautiful garden next year, begin preparing this fall. Here are a few ways to get a head start!
After you’ve planted your bulbs, there’s a risk that uninvited guests will dig them up. There are a few ways you can ensure that your bulbs remain undisturbed throughout the fall. One way is to place chicken wire over your bulbs after they’ve been planted. This keeps rodents from digging them up and allows the plants to grow through the gaps in the wire.
KEEP YOUR GARDEN TIDY
Once you’ve harvested your best fruits and vegetables, go back through and harvest the rest, even if you don’t plan to eat them. Make sure your garden is clear of old vegetables, fallen leaves, and weeds. Leaving decaying plants in or on top of the ground can spread diseases into the soil and attract unwanted pests to your garden.
HEALTHY SOIL
PLANTING BULBS
Pulling up weeds and all of your vegetables can help keep the earth free from rotting plants, but there are other steps you can take to ensure that your soil stays full of nutrients. Pick up a kit to test the pH levels of your soil. Most gardens thrive in soil with a pH of 6.5. Add compost to your soil supply now to give it time to break down during the winter months.
If you want beautiful flowers in April, you should start planting bulbs now. Many flower bulbs need to be in the ground before winter settles in; this helps activate the bulbs’ biochemical process that allows them to bloom. Getting the bulbs into the ground before it freezes allows their roots to grow deep enough to protect them from the biting winter weather. Among the flower bulbs you should plant soon are tulips, daffodils, irises, and hyacinths.
Making Real Estate Really Painless
As you may have heard, we are currently in a “sellers’ market.” We have buyers who have been looking for houses for six months. It can be tough, which means that if you find something, you should move quickly and have everything ready for the process. You may not want to think about moving right now, but when the right opportunity is there, you also don’t want to miss it. The good news is that if you decide to sell your home because you’ve found a great new option, we can help you sell your home at the price you want.
proper documentation allows us to review everything with you and find the best option for selling or buying. Because we know about the relevant financial regulations or “red tape,” we can act as your bridge with loan companies. We have worked with many of them before in helping our clients through this process. Even though it can be hard to find a new house, we’ll help make sure you have all the documents ready and that you’re pre-qualified for loans. You’ll want to have money ready, and we can also help you
make sure you’re ready to put down a payment. That’s one benefit of working with a mortgage broker — we can help you have everything in place to make that move as painless as possible.
Let your mortgage broker know you’re interested in selling or buying. We like to be kept in the loop because we can help you decide what is realistic and determine the best way reach your goal. Having the
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SUDOKU Refinancing for Your Family
Making Dreams Come True
You love your children and have watched them overcome challenge after challenge, from taking the SAT to graduating from law school and taking the bar exam. You feel so proud of them for their accomplishments, and you want to continue to help them reach their goals!
As we shared on the cover, having a home is a huge asset in many ways. Now that you own your own home, you might be wondering, “How can I help my children make their dreams of being a homeowner come true?” Your home can
be a great asset in helping provide for your kids.
Want to take your grilled cheese game to the next level? This recipe calls for cheese both inside and outside
As they look to buy a home for the first time, your children may encounter some challenges. For many young adults, their dream of buying a home is put on hold because of student loans. But you may be able to help them as they start to think about buying their own home. Given the market, refinancing your home may be one option. When your children graduate, they may earn a solid salary right away, but they might not be able to get a homeowner’s loan because of student loans. By refinancing your home, you may be able to use your equity to help your children buy their first home. They’ll be able to pay off enough of their loans to qualify for a home loan, and once the paperwork is in place, they’ll be able to pay you back. They’ll be grateful to you for giving them this opportunity. Before you begin the process, it is important to think about your goals and the reasons you are choosing to refinance. Helping your children to start the next chapter of their lives might be the right reason for you to do it. You should have a conversation with your family to see if this option is the right fit for you. When you’re ready, we can help you with the process. First, you will want to gather some paperwork. While it may seem complex, we can walk you through every step and help you prepare for refinancing.
the sandwich, adding a crispy crunch to the grilled cheese experience. It’s a quick, delicious weekday dinner option the whole family will love.
INGREDIENTS:
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8 slices of bread (Pullman works best)
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1/2 cup freshly grated Parmesan cheese (preferably Parmigiano-Reggiano) 8 ounces ham, thinly sliced 1/2 pound Swiss cheese, sliced 2 tablespoons Dijon mustard
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4 tablespoons unsalted butter, room temperature
• • •
DIRECTIONS:
1. Butter each slice of bread on the outsides and sprinkle with Parmesan. 2. Layer ham and cheese evenly on top of 4 slices of bread. 3. Spread apricot preserves and mustard across the other 4 slices. Press sandwiches together.
4. In a cast iron skillet or large sauté pan over medium heat, grill sandwiches until golden, about 3 minutes per side. 5. Cut in half and serve.
We are here for you! Call us today to talk about this option.
Inspired by Food & Wine magazine
Toll Free: (833) 846-6348 3
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2082 Business Center Drive, Ste 170 Irvine, CA 92612
www.GoldPointMortgage.com Toll Free: (833) 846-6348
I N S I D E We Are Here for You 1 Get a Head Start on Next Spring’s Garden The Benefits of Working With a Mortgage Broker 2 First-Time Home Ownership for Your Children 3 Have You Heard About Mauritius? 4
Marvelous Mauritius Just over 1,000 miles off the southeastern coast of Africa in the Indian Ocean lies the small island of Mauritius. The island is often overlooked by the rest of the world. Most people are more likely to have heard of the island’s most famous extinct occupant, the dodo bird, than the island itself. This is shocking when you discover how much fun there is to be had in this tropical wonderland. ADVENTURE AWAITS Looking for fun in the sun? Start your trip to Mauritius with a hike up the lush Lion Mountain, or take time to snap a photo of the Seven Coloured Earths, where volcanic soil has created sand dunes of seven distinct colors. And what’s a trip to an island without the beach? Beautiful coral reefs surround Mauritius, keeping sharks away from the pristine beaches. Island guests and locals can fearlessly scuba dive around the brilliant reefs, swim with dolphins, kite surf, and find lots of other ways to enjoy the warm ocean waters. A Secret Island of Adventure
WALK THROUGH HISTORY More than a tropical escape, Mauritius is an island full of history and culture, so there are plenty of opportunities to learn about the island’s layered past. You can visit one of the historical rummeries or explore Mauritius’ two UNESCO World Heritage Sites. You can also check out Aapravasi Ghat, the Immigration Depot, and Le Mourne Brabant. TASTE THE MEMORIES A day spent playing on an island is always better with great food. Influenced by its French, Creole, Indian, and Chinese heritage, Mauritius offers a vast menu of delicious dishes to try, from curry to dim sum. And the rich soil and bountiful ocean provide more than enough fresh fruit and seafood to go around. Despite its amazing vacation potential, Mauritius is all but unheard-of to people in the United States. This means travelers can find amazing five-star resorts at unbeatable prices! With this in mind, isn’t it time you got to know the island of Mauritius?
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