Sunday, November 28, 2010

Armenian Pop ► Razmik Amyan feat. Lilit Hovhannisyan - Qonn Em Darcel [P...

Sunday, November 21, 2010

Tiko Asatryan

Friday, November 19, 2010

Credit Score Requirements Stifling Borrowers

Despite record-low interest rates, an increasing number of Americans can’t afford to buy a house.

The nation’s two largest mortgage lenders, Wells Fargo & Co. and Bank of America Corp., have raised the minimum required credit score on FHA-insured loans to 640 from 620.

Requiring a 640 credit score excludes about 15 percent of FHA borrowers, FHA commissioner David Stevens said.

Such a high limit will further delay a recovery in the real estate market, says Ron Phipps, president of the National Association of REALTORS®.
Source: Bloomberg, Jody Shenn and John Gittelsohn (11/17/2010)

Brentwood Notary - Mobile

A notary in Brentwood is an impartial witness.  A notary may never notarize his/her signature or notarize for a spouse or domestic partner if the notary has an interest in real property.

A signer must appear in person before the Notary Public for every notarization.  Please be sure to sign the document in front of the notary.  A notary in Brentwood may not take an acknowledgement if the document has blank spaces (incomplete document).  The signer should label spaces that doesn't apply as "N/A". 

When hiring a notary in Brentwood, it's important to work with a competent notary in order to minimize any future potential issues.  Call 1-888-810-4054 for a Brentwood Notary now.  Same day service is available at no additional cost. 

Written by: Richard Johnston, Notary Public
I also serve areas of Santa Monica, Malibu, Pacific Palisades, Century City, Beverly Hills and more!

Wednesday, November 17, 2010

HUD1 Short Sale

When dealing with a short sale, once a agreement has been reached between a buyer and seller, the escrow company will prepare a HUD1 which will need to be submitted with the short sale package to the lender(s) for approval.

Because it can take anywhere from 4-6 months to get an approval on a short sale, many things will happen.  For one, the late payments will add up including late fees.  Second, the seller might also stop paying the property tax and HOA monthly fees.

When the lender does finally approval the short sale, the HUD1 will need to be updated to reflect the additional fees, late payments, etc...  In most cases, the bank will absorb these charges.  In some instances, the bank will not pay the late HOA fees.  Every situation is unique and will require a skilled short sale negotiator to facilitate communication between all parties.

Written by: Richard Johnston
Short Sale Specialist
San Fernando Valley
818-730-4128 Mobile

Friday, November 05, 2010

[02] Elon Sarafian - Karotel Em Qez

Monday, November 01, 2010

Van Nuys Notary

It's strongly recommended that if your government issued ID (Driver license) has expired or has incorrect information (address change), you should go to your local DMV to update the information as soon as possible. 

 If your ID has expired and you need to have a document notarized in Van Nuys, you will need a whitness to certify that you are who you say you are and sign my notary book.  This person is putting their good name on the line.

Contact a Van Nuys mobile notary service 1-888-810-4054

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