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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Tips To Prepare Your California Lawn For Winter


California lawn maintenance

Keep Mowing

Grass still needs regular care to stay healthy. Grass that is too high may attract lawn-damaging field mice. Shorter grass is more resistant to diseases and traps fewer falling leaves. Cutting the grass low also allows more sun to reach the crown of the grass. However, cutting off too much at one time can be damaging, so never trim more than a third of the grass blades off in a single cutting. Put mower blades on the lowest settings for the last two cuts of the season.

Aerate

Compressed soil can hurt the health of the grass. Aerating punches holes in the soil and lets oxygen, water, and nutrients into a lawn. Use a walk-behind aerator or get an attachment to pull behind a riding mower.

Mulch

Many mowers can mulch leaves with an attachment. Since mulching with a mower can mix grass clippings with leaf particles, these nitrogen-rich grass particles and carbon-rich leaf particles will compost more quickly. They can then return nutrients to the soil.

Trim Trees and Bushes

Use trimmers, chainsaws, or pole pruners to cut back trees, shrubs, and plants. Make sure branches are safely trimmed back from overhead lines and not in danger of falling on a home or structure in winter weather. You may need to tie or brace limbs of upright evergreens or plants to prevent them from breaking in high winds or snow. Call a professional arborist for big trees or hard-to-reach spots.

Repair Bald Spots

Fall is a great time to patch bald or thin spots in a lawn. The easiest way to do this is with an all-in-one lawn repair mixture (found at most garden shops and home centers). Use a garden rake or dethatcher to scratch loose the soil on the spot.

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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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