VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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Best Practices For Recycling


California mortgage

The types of materials that can be recycled can vary from state to state and city to city, so it’s important to be knowledgeable about the recycling best practices in California. Be well-versed on the following rules to make sure your household is recycling the right way.

The Basics

Recycling reduces the amount of waste being sent to landfills and incinerators, conserves natural resources, and saves energy. Many items can be recycled, but if they don’t get properly sorted, they’ll go straight to the trash. Make the effort to sort as you go. As a rule of thumb, the following materials are accepted no matter where you live: paper, cardboard, metal cans, and plastic containers labeled with a No. 1 or 2.

Leave Caps On Plastic Bottles

Recycling is the right thing to do, but it’s also important to do it right. Plastic bottles should be emptied out and crushed with the bottle caps on when thrown into the recycling bin. The plastic recycling industry used to not be able to recycle bottles with caps; however, as processing technology improved, the message has changed to ask that caps remain on the bottles, according to the Association of Plastic Recyclers.

No Plastic Bags

Plastic is recyclable, so bags made of plastic belong in the recycling bin, right? Wrong. Don’t put plastic bags and plastic wrap in your curbside recycling bin, they only cause problems for recyclers by getting tangled in the equipment. Instead, take your clean and dry bags, wraps, and films to a drop-off location like a retail store.

No Plastic Cutlery Or Coffee Cups

We’ve all been ordering a lot more take-out meals lately, so your collection of leftover plastic utensils has probably piled up. But while plastic cutlery is convenient to use in a pinch, it’s not recyclable. Plastic knives, forks, and spoons are typically not accepted in most local recycling programs and—because of their small and narrow size—can get stuck in or fall through the machinery that sorts them. No Starbucks coffee cups either! To-go cups made of cardboard have a plastic or wax lining that keeps liquid from leaking, but the lining also makes the cups nonrecyclable.

Tear Down Cardboard Boxes

Each year 24 million tons of corrugated cardboard are discarded, according to the Environmental Protection Agency. Most of that cardboard, around 91%, is recycled; but the big rule for cardboard boxes is to break them down so they’re flat. That way you’ll optimize space in your recycling bin and reduce the number of pickups needed from your local recycling service. One type of cardboard box you should just throw in the trash? Pizza boxes. The grease and food soaked up by the cardboard make pizza boxes a gross mess to recycle.

Empty, Clean and Dry

Food is not recyclable, so every item you throw in the bin should be spotless. One ketchup bottle or not-quite-empty milk carton can cause your entire bin of otherwise perfectly recyclable items to be contaminated. Therefore, any scraps, liquid, or waste should be removed from your recyclable items before tossing them.

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About

VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

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