Sunday, August 16, 2009

Yet another reason to Legalize Pot: 85,000+ acre La Brea fire started at Mexican Mafia Ganja Grow Site

GOLETA, CALIFORNIA - Proving that legalizing pot would reduce crime, a week-long investigation by U.S. Forest Service Special Agents, Santa Barbara County Sheriff's Narcotics Unit and Fire Investigators has revealed the cause of the La Brea Fire. Investigators revealed that the La Brea Fire was started by a cooking fire in a marijuana drug trafficking operation run by thugs from across the border.

The Santa Barbara County Sheriff's Narcotics Unit has confirmed that the camp at the origin of the fire was an illegal marijuana operation believed to be run by a Mexican National Drug Organization. The Narcotics Unit has been working in the area within the last month eradicating other nearby marijuana cultivation sites. Of course, if Pot was legal and taxed, the criminal gangster types would be out of business and hard working American farmers could be in business growing what is America's biggest cash crop, Marijuana. There would also be the fat sack of money that would go into the budget cause of the tax money, billions of dollars would stay in America.


Although the La Brea Fire started more than one week ago, there is evidence that the unburned marijuana garden area has been occupied within the last several days. The Narcotics Unit has secured the camp area which was located in remote and rugged terrain. It is also believed that the suspects are still within the San Rafael Wilderness trying to leave the area on foot. Officials warn not to approach anyone who looks suspicious but to instead contact the nearest law enforcement agency, these aren't hippies, these are bad folks from south of the border ruining our environment and taking American currency out of the hands of Americans and sending it to Mexico to fuel Mexican Terrorists.

Anyone with further information is urged to contact U.S. Forest Service, Santa Barbara County Sheriff's Department or local law enforcement agencies. The investigation continues with cooperating agencies including Santa Barbara County Sheriff's Department, Santa Barbara County Fire Department, CalFire, and other local agencies.

The La Brea Fire Tip Line is still open, and anyone with additional information helpful to this ongoing investigation is urged to contact investigators at (805) 686-5074. Your call may remain anonymous. The Santa Barbara County Sheriff's Department will release more information regarding the Narcotics investigation on Monday.

Sunday, August 2, 2009

ALERT! California Home Buyers Now Only Need .5% Down to Purchase a Home Using an FHA Mortgage

For a limited time (while funds last) you can purchase a home using an FHA loan with only .5% (one half) down payment.  FHA will allow a second mortgage from CHF to cover 3.0% of your down payment by using the Access 2nd loan down payment assistance loan.  The FHA 30 year fixed first loan can go to 96.5% LTV and the 2nd loan can be 3% of the purchase price....making total loan to value 99.5%.  You can even use the 3% for closing cost assistance!


Call Brad Yzermans at (951) 332-7864 to learn more details about this program or fill out this quick secure loan application to get your PriorityBuyer Status Approval.  This program is only offered through approved licensed lenders (like me)......and hurry up before the $8,000 tax credit expires November 30, 2009.

QUESTION:      What will my payment be on the 2nd mortgage? 

The 2nd loan is a 15 year fixed @ 8.25%.  If you purchase a home for $250,000 your 2nd loan balance will be $7,500.  Payment on a 15 year loan will only be $72.76/month!!  Once you file for your $8,000 tax credit, you can pay it off...or go buy furniture...or pay off other high interest revolving credit card debt.  If you don't want to do that, go hit grandma or Vinnie the Butcher up for the down payment and see how that goes.

Program Highlights:

  • NOT Limited to first time home buyers

  • NO recapture tax/penalty if home is sold later

  • NO Sales price limits

  • NO minimum borrower contribution

  • NO pre-pay penalties

  • Gift funds are allowed from family members

  • Seller contributions allowed up to 6%

  • NO borrower reserves/assets required

  • NO minimum FICO score required

  • Income limits are 120% of HUD AMI

  • 2nd loan (CHF Access) is a 15 year fixed

  • 3% 2nd loan can be used for down payment or to pay closing costs


Below are the HUD qualifying income restrictions by California County:

(Loan applicants can't make more than this)

($77,400         Riverside & San Bernardino County
$103,320         Orange County
$74,520           Los Angeles County
$89,890           San Diego County
$103,320        Ventura County
$62,640           Kern County
$84,480           Santa Barbara County
$70,800           San Luis Obispo
$54,120           Imperial County

**Please call me if your county is not listed

We are in a very unique time where interest rates are very low and home prices have dropped out of the sky.  The affordability factor is in your favor.  There are thousands of buyers out there making offers on homes.  Don't get stuck paying rent forever.  If you wait much longer, you may miss out on the $8,000 tax credit, low interest rates, and the Access 2nd loan down payment assistance program(funds are limited).

Call Brad @ (951) 332-7864 to talk about sports, to find out if you can qualify, or fill out this quick loan application to get approved now.

Brad provides financing for residents all over California including Temecula, Murrieta, Menifee, Riverside, Corona, San Bernardino, San Diego, Orange County, Los Angeles and many other cities.