Goldpoint Mortgage's online newsletter for November 2018
November 2018
Hoang Dang
Donald Tran
2082 Business Center Drive, Ste 170, Irvine, CA 92612 • www.GoldPointMortgage.com • (833) 846-6348
It’s About Family
How is this season treating you? We have been busy! It’s a good problem to have, but it’s also important to stop for a few minutes every now and then to reflect on the things we are grateful for.
day is beautiful. Working with clients is one of our favorite things about our jobs. We get to meet wonderful people like you, and we build relationships through the process of making your dreams come true. It’s amazing how many events are going on right now. I didn’t know how many things were going on this time of year until I saw a calendar with all the events listed. It’s pretty amazing! In addition to Thanksgiving, there’s also Small Business Saturday and Giving Tuesday. Have you heard of these newer traditions? Small Business Saturday is all about supporting your local businesses — places your family and friends work and places you like to shop. On the Saturday after Thanksgiving, many small businesses offer special discounts to customers to thank them for shopping there. Giving Tuesday is the Tuesday after Thanksgiving. It started several years ago with the idea that people should give back to their communities. Since then, it’s grown, and you’ll probably see social media posts about it. People give back to organizations they believe in by giving their time or donating to that cause. You might want to think about how you can give back and be a part of Giving Tuesday. On Page 4, we also included some events happening around Orange County that you can enjoy with your family. That’s what this time of year is really about, isn’t it? Family. There are so many different holidays throughout the year, but when it comes down to it, it’s all about spending time with loved ones. That’s important every single day. Whether it’s a barbecue in your backyard, watching the football game with your brothers and sisters, playing outside with your kids and their cousins, or starting new traditions, we hope you spend time with the people who matter most, and we wish you a wonderful November.
Many people talk about gratitude around this time of year because it’s a tradition that goes along with the Thanksgiving holiday — kind of like the pumpkin pie and turkey. What are we grateful for? We are especially thankful for our
families and clients who feel like family. We are grateful for your trust and the faith you put in us to help you meet your needs. It can’t be said enough how lucky we feel to work with you. This community means so much to us, and it’s an honor to help people find what they need. There are many things to feel gratitude for when you stop to think about it: living in this beautiful community with sunny, warm weather and our family members, whether they are near or far away. We live in a time when we can connect with them over the phone and even over video. How great is that? Spending time at home on a warm fall
“Workingwith clients is one of our favorite things about our jobs. We get tomeet wonderful people like you, andwe build relationships through the process ofmaking your dreams come true.”
–Donald Tran
1 Toll Free: (833) 846-6348
Enjoy These 6 Autumn Activities Fun for the Whole Family!
Throughout November, everyone is eagerly looking forward to Thanksgiving, Black Friday, and Cyber Monday, but you shouldn’t let the rest of the month slip past you! Enjoy these other fall activities with the whole family. Homemade Caramel Apples Homemade treats are no doubt far better than their store-bought counterparts. Try your hand at making your own caramel apples for the whole family to enjoy. You can also add a number of toppings to liven things up, such as nuts, white or milk chocolate, coconut, sprinkles, or pecans. Backyard Bonfire During these cold months, you may be tempted to stay indoors, but heading outside for a bonfire is a great way to spend time with your family while enjoying the brisk weather. If you have a fire pit in your backyard, now is the perfect time to take advantage of it by bundling up with some hot chocolate and s’mores. Autumn Arrangements It’s time to get crafty! Creating your own fall arrangements will ensure that your home has the seasonal decorations you want. Making beautiful fall flower arrangements for your kitchen table or wreaths for your front door to greet guests will create the desired autumn vibe you’ve been searching for. Movie Night Gather your loved ones in the living room with popcorn, blankets, and a great film. Make the most of your autumn evenings by cozying up
and spending quality time with each other while watching some family holiday favorites, like “A Charlie Brown Thanksgiving” or the Thanksgiving comedy-drama “Pieces of April.” Home-Cooked Food When autumn rolls around, pie and warm cider may be high on your list of tasty treats you’re eagerly anticipating. This fall, encourage your family to take part in making annual goodies and sharing them with your neighbors. Nothing warms the heart more than receiving a loaf of freshly baked pumpkin bread during these increasingly cold days. Knitted Scarves If you’re handy with knitting needles, now is the season to put them to work. Hand-knitted scarves are great gifts to give throughout the fall and winter, and you can also make it a family activity! Take some time to teach your kids how to knit and crochet to create scarves of their very own.
Best DIY Gift Ideas
Best DIY Gift for Your Bestie: Personalized Mug
Looking for gift ideas that don’t break the bank but still show the special
people in your life how much you care? Do-it- yourself (DIY) gifts are the way to go. Here are a few ideas to put together on a chilly night. Pull out your crafting supplies, turn on some holiday tunes, and get creative.
You only need a mug and an oven-safe or porcelain marker to create this personalized gift. Use a mug you already own, or pick one up from the dollar store or thrift store, and get expressive! You could write a sweet or funny message (“but first, coffee” or “two shots, hold the chatter”) or list their favorite beverage (“coffee, no sugar” or “green tea”). Write something that makes them think of you, or create a simple drawing. Enjoy the artistic freedom as much as they’ll enjoy your thoughtful gift.
Best DIY Gift to Make With the Little Ones: Handprint-Covered Apron
Best DIY Gift for Someone Special: Memory Map
Aunties, uncles, and godparents will love a gift that incorporates their favorite little ones, and it’s a great way to get the kids in on the project. Choose some unadorned aprons from your local craft or home goods store and some acrylic paint in a variety of colors. Then get crafty! The kids can use their handprints as a starting point and add other decorations as they like. You can also find some fun ideas on the blog Little Page Turner, like painting a butterfly from your kids’ stamped footprints. Have fun with it!
Utilize a map, a pair of scissors, some glue, and your memories of meaningful places to create this sentimental gift. Choose map locations that are meaningful to you and your special person — where you met, where you celebrated special moments, where you first lived — and cut them out in geometrical or heart shapes. Then, glue the cutouts to a piece of matboard. You can add kind words at each point, or let the places explain themselves. Place in a frame and gift to your loved one.
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The Four C’s The homebuying process can be an emotional roller coaster. You find your perfect house, contact a broker, then ask the bank for a loan — just to be rejected. That’s why we always suggest knowing exactly what you can borrow and where you’ll be able to borrow it from before starting the homebuying process. Getting pre-qualified for a loan will take you off the emotional roller coaster ride and set you up for greater success. There are four things a bank will look at when determining how much money they can lend you. At Goldpoint Mortgage, we call them the four C’s: Capability, Credit, Collateral, and Character. What Does a Bank Look at to Decide on a Loan? 1. Capability The first thing a bank wants to know before they lend you money is whether or not you can pay them back — it’s as simple as that. Each bank has algorithms they use to determine what monthly payment you could make on a loan considering your income and other expenses. 2. Credit The bank will look at your credit score and credit history to determine whether or not you really are credible for a loan. It’s treated as proof that you are trustworthy enough for them to lend you money. The bank will classify your credit score into tiers and use these tiers to determine the interest rate of your loan. 3. Collateral What happens if the bank gives you a loan, but in five years, for unforeseen reasons, you can’t pay it back? They might collect on it from “collateral,” stock or property you may be obligated to turn over if you can’t keep up with payments. When they’re determining your loan, they’ll take sources of collateral into consideration for this reason. 4. Character This factor isn’t quite as important as the others, but banks will still take your character into consideration based on your tax documents. They’ll look at your tax returns to determine the length of time you’ve been employed at your job, whether or not you’ve just finished school or have been in your career for a while, and other factors related to your source of income. If you have questions about this process, please don’t hesitate to call us. Whether you’re looking to make an investment in real estate, trying to buy a home, or experiencing a tough situation with your buying process, we are here for you. Call Goldpoint Mortgage today. You can also find our free Pre-Qualification Tool at www.getprequalificationletter.com .
SUDOKU
Sweet potatoes are a Thanksgiving staple, but they’re often the blandest thing on the table. Luckily that’s not the case with this recipe, which features Thai spices and coconut milk. INGREDIENTS:
• • •
5 pounds sweet potatoes 1 cup canned coconut milk
• • •
1/2 cup dark brown sugar 4 tablespoons unsalted butter
1 tablespoon Thai red curry paste
1 tablespoon kosher salt
DIRECTIONS:
1. Heat oven to 375 F. On a large sheet pan, bake potatoes until very soft, approximately 75 minutes. 2. Let potatoes cool until they are safe to handle, then peel and mash. 3. In a small saucepan over low heat, combine coconut milk and curry paste. Once mixed, add the mixture, salt, half the sugar, and half the butter to potatoes.
4. 30 minutes before serving, heat oven to 425 F. Spread potatoes in a baking dish, cover with foil, and bake for 20 minutes. 5. Uncover potatoes and dot with remaining butter and sugar. Broil until brown, crusty, and delicious. Serve hot.
Do you enjoy watching football? Wouldn’t it be nice if you had a bigger, clearer screen to watch it on? This month, we are offering
our clients $1,000 to spend on home- theater equipment to make it an even better football season. Whether you’re cheering for USC or the 49ers, just send us the receipt from your home-theater purchase, and we’ll send you a check. Call (833) 846-6348 to learn more.
Inspired by The New York Times
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2082 Business Center Drive, Ste 170 Irvine, CA 92612
www.GoldPointMortgage.com Toll Free: (833) 846-6348
OC Local Events I N S I D E What It’s Really About 1 Caramel Apples, Knitting, and Bonfires The Best DIY Gifts 2 Lending Knowledge Spicy, Creamy Sweet Potatoes 3 Events Around the OC 4
Here’s what’s happening around the OC. Go check it out!
& Food Festival. The event, which takes place right on the Bay, is a chance to learn from culinary and wine experts. World- renowned chefs, sommeliers, and cicerones give you a glimpse of their world and share their expertise through tastings and special pairings. Your taste buds will thank you, and you’ll likely bring home some of the culinary tips and tricks you pick up as you stroll along the scenic San Diego Bay. As supporters of the Philharmonic Society of Orange County, the Huntington Harbour Philharmonic Committee lights up the Harbour each December and gets everyone excited for the coming season with the Boat Parade. In anticipation of the Cruise of Lights, which takes place the following weekend and is a fundraiser for the Philharmonic Society, Harbour homeowners go all out with the decor and put on a boat show. See the spectacle of over 75 boats and yachts brightly lit with colorful displays, all accompanied by Christmas music. Visit hhboatparade.org to learn more. Huntington Harbour Boat Parade Dec. 8–9; 5:15 p.m.
Nhan Hoa Annual Health Fair Saturday, Nov. 3; 9 a.m. to 1 p.m. Nhan Hoa Comprehensive Health Center Garden Grove, California Founded by a group of Vietnamese professionals who saw the need for more services in the Vietnamese community, Nhan Hoa Comprehensive Health Care Clinic has since grown to serve anyone in Orange County. This month, the clinic is hosting its annual health fair, a free community event. Free screenings, community resources, and entertainment will be available at the fair. Free health services include flu vaccines, blood pressure testing, cancer screenings, and body mass index measurements. All ages are welcome, and there will be a kids corner with a bounce house, face painting, and free food. San Diego Wine & Food Festival Nov. 11–18 San Diego Bay
Good food, entertainment, wine, and great company combine in the San Diego Wine
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