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    • Useful info / Finance / Insurance
    • 2024/05/24 (Fri)
    Vivinavi Seattle

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must See ！ ！ For First Time Home Buyers in California ！ ！

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment （ Down Payment ） and other expenses （ necessary to make the loan ） Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification （ Refinance ）.
    （ Silent Second ） which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer （ who has not been a homeowner for at least the past three years ）.

    There are income limits by County.
    （ Income Limit ） Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    （ Pay Stubs, Bank Statement, Tax Return, Employment History, etc. ）

    First Mortgage is a Government Loan （ FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage （ payment ） payment .

    CalHFA Goverment Loan （ FHA ） would be supported by this program for 3 ． 5% （ of the purchase price or the lower of the appraisal value ）.
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 ． 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 ， 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ？ Please feel free to contact us ！

    **************************************************************** **********************************************

    住宅ローン家モーゲージ
    • Introduction / Life / Housing
    • 2024/05/31 (Fri)
    Vivinavi Seattle

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＜ Did you know ？ ＞ when you want to buy a house, the first thing you need is the documents from the loan company ！

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ？
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Useful info / Life / Housing
    • 2024/05/28 (Tue)
    Vivinavi Las Vegas

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Las Vegas Housing Market Information (April ）)

    Hello,

    Here is April's housing update and current Las Vegas conditions.

    Townhomes and condos are currently selling for record amounts in Las Vegas.
    The median townhome/condo price in April was $290,000 （ $ 290,000 ） which broke the August 2022 high of $287,000 （ $ 287,000 ）. Demand outstrips supply and is up 7% from last year. Condo and townhome sellers are seeing increased sales, due in part to the affordability of new construction: the number of condos and townhomes on the market in April was up 10.7% from last year and up 3.8% from March. New construction is also up 5.9% over last March and 29.5% over April.

    The median price for single-family homes in April was $499,000 （ $ 499,000 ）, with 2,339 sales and a median listing price of $498,000 （ $ 498,894 ） and even The price has increased to.

    Despite 20-year high interest rates, the Las Vegas real estate market has been active, with an increase in the number of listings, higher prices, and shorter sales days.

    By the way, guess which company is currently building the most homes in Las Vegas ？
    It is Lennar （ Lennar ） based in Miami, Florida. The company built the most homes in Clark County in 2023, about 1,879, and a record 547 in the second quarter. In the first quarter, 481 units were built.
    Especially given the current high mortgage rates, new homes are attracting a lot of interest by using their own lending departments to offer flexible financing and incentives to buyers, making it easier for them to purchase.

    According to Clark County, the highest sales volume during the week ending May 13 was in the SW Zip Code 89141 area south of Enterprise and the central area of North Las Vegas. According to a new study, North Las Vegas, which was hit hard by the housing crisis during the subprime mortgage crisis, has seen home prices double in the past seven years, one of the highest increases in the Las Vegas Valley and the nation.
    Currently, the average home price in North Las Vegas is $410,000 （ $ 410,000 ）.

    Have you heard of McDonald Highlands in Henderson ？ Four Season Private Residences is under construction in that Henderson luxury residential area. Forty-six percent of the 171 high-rise condominiums have already been sold. The two-tower project, which began selling in 2023 under the Four Seasons brand name, is expected to be completed in late 2026. The $1.3 billion （ $ 1.3 billion ） total project will be the first high-rise to be completed in Las Vegas since the late 2000s. Sales prices range from $3.5 million （ $ 3.5 million ） to $29 million （ $ 29 million ）.

    Meanwhile, in the upscale neighborhood of West Samarin, Celine ・ Dion made headlines when she sold her Summit Club home, a house she never lived in, for $30 million （ $ 30 million ）. A year later, the house next door sold for $35 million （ $ 35 million ）. This is also a concierge community and currently has nearly 276 homesites. This includes custom slots, bungalows, villas and condos. The golf course clubhouse was completed last year. Summit Club dues are $250,000 （ $ 250,000 ）, annual fees are $110,000 （ $ 110,000 ）, and HOA fees for the residence are $3,000 （ $ 3,000 ） annually.

    Additionally, new development is underway in the heart of downtown. The high-rise Cello Towers in the Symphony Park project has luxury condominiums for sale that blend sleek contemporary interiors with large floor-to-ceiling windows. Here you will find a total of 240 residences, including eight penthouses, a resort-style pool and spa, as well as a golf simulator, outdoor cigar lounge, and more. The estimated completion date for the development is Q4 2026, with prices ranging from $700,000 （ $ 700,000 ） one bedroom to around $6 million （ $ 6 million ） penthouses. I have attached a map of this neighborhood, Las Vegas Medical District （ Las Vegas Medical District, LVMD ） is located in the downtown area, which includes U.M.C. （ University Medical Center ）, Valley Hospital, Cleveland Clinic Lou Ruvo Center for Brain Health, and the UNLV School of Dentistry. With the addition of UNLV's Kirk ・ Kirkorian School of Medicine to that list, current Mayor Carolyn ・ Goodman says she is fully prepared for the next step. As a side note, this mayor was born in 1939 and is a Las Vegas resident first. I am simply amazed at how quick-witted she is, and I believe she will continue to work hard to make Las Vegas a better place. This neighborhood will continue to be one to watch.

    Please refer to the attached document.

    • Useful info / Finance / Insurance
    • 2024/05/25 (Sat)
    Vivinavi Seattle

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    How to take advantage of the Reverse Mortgage, a loan program for seniors age 62 and older ？.

    Reverse mortgages are designed specifically for seniors age 62 and older. It lends against the difference ） between the Equity （ of your home （ minus your current mortgage ） if you have one , but unlike a regular loan, you do not have to make monthly payments. The only thing you have to pay is property tax and fire insurance. Even if you are paying off your mortgage, you are still paying these taxes and fire insurance, just like someone without a loan. The loan can be paid off when the house is sold. Until you sell it, you have 100% ownership of the property and it is treated the same as a regular loan. The loan can be modified as many times as you want, just like a regular loan.

    Below are some highlights of how you can take advantage of this.

    #1 You can use it to buy a house. As you get older, it can be intimidating to take on debt, but with a reverse mortgage you only need about half the down payment, depending on your age, and you don't have to use 100% cash. If you sell your current home and downsize, you can still keep half of the Cash on hand.

    #2 When you suddenly need cash, for example, a large sum of money for roof repairs, medical bills, or car repairs, problems happen when you least expect it. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.

    #3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on this reverse mortgage. In addition to Social Security, you can also use a reverse mortgage to generate, for example, ＄ 1000 extra income each month. （ Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. ）

    Even if you have a loan on your home now, you can convert it to a reverse mortgage. Also, since the income is not paying off the loan, you will only be considered to be able to pay property taxes, fire insurance, and Home Owners Due （ ） if any. We would be happy to help you live a long and meaningful life. Please do not hesitate to contact us （ free of charge ） to discuss any concerns you may have about your own or your parents' retirement.



    There are many questions about loans.
    If you are in such a case, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Satisfaction guaranteed / Life / Housing
    • 2024/05/16 (Thu)
    Vivinavi Ichihara

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Reducing Electricity Bills by Installing Solar Panels ！ Further Reduction by Linking with Power Storage [Free Estimates Available].

    Inquiries are increasing rapidly ！ With electricity costs continuing to rise, it is no exaggeration to say that solar power generation is now a must.
    Installation of solar panels is environmentally friendly and can further reduce electricity bills.

    For example, if you put 4kw solar panels on a typical house
    you will save about 4kwh of electricity per day and have about 9kwh left over.
    This extra 9kwh of electricity can be sold if there is no storage battery, or stored and used if there is a storage battery.
    The unit price of electricity is the unit price + renewable energy levy + fuel adjustment fee + consumption tax, but if we assume that the unit price is about 40 yen,
    4kwh per day × 40 yen ＝ 160 yen 9kwh × 40 yen ＝ 360 yen can be calculated to reduce electricity costs.
    160 yen per day is 4,800 yen per month, 360 yen is 10,800 yen per month, and the total electricity bill can be reduced by 15,600 yen.

    The number of solar panels that can be installed depends on the shape of your roof, so please contact us if you are interested.
    Please feel free to contact us, as we do not make any aggressive sales pitch.

    We support your life with a waste-free system that saves money through efficient power generation and consumption, and also cares about the environment by working with clean energy.

    Since the effects and other benefits obtained vary greatly depending on the combination of systems, our professional staff will carefully listen to your wishes and explain the outline and costs in an easy-to-understand manner during the free consultation and estimation process.
    We also accept quotes from other companies, so please contact us first if you are interested.

    [Payment Methods]
    We recommend not only cash, but also APLUS renovation loans ・ bank renovation loans, as well as consolidation with a mortgage loan for those with high mortgage interest rates.

    Especially for those with interest rates around 1% or higher, it is worthwhile to do a trial calculation ！ （ We will do the simulation and advice and even make an appointment with the bank. The application and other procedures are done by you. ）

    • Useful info / Life / Housing
    • 2024/04/28 (Sun)
    Vivinavi Ichihara

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Did you know ？ Further electricity price increase is expected from May. Chikuden Chiba

    Free Estimates ・ Cross-estimates welcome ！ Reduce your electricity bill by installing storage batteries and solar panels.
    Starting in May, the government's gas ・ support program will end and electricity bills are expected to increase further.
    The increase in the renewable energy levy included in electricity bills and the end of support measures will result in a significant increase of around 1,000 yen for ordinary households.

    Now that this price hike is continuing, we are moving from the era of buying electricity to the era of producing electricity, and
    it is no exaggeration to say that solar power generation is now a must.

    By installing storage batteries and solar panels,
    you can further reduce your electricity bill while being environmentally friendly.

    ☑ Lower electricity bills
    ☑ Excess electricity can be stored and used in conjunction with storage batteries
    ☑ Peace of mind during disasters and power outages
    ☑ Consideration for the global environment is possible

    Chikuma Den Chiba is an excellent company registered with Eco-Energy Consultation Service and Guri-Energy.
    We will propose the most suitable installation for your lifestyle.
    The number of solar panels that can be installed depends on the shape of your roof, so
    please contact us if you are interested.

    [Payment Methods]
    Cash, of course, but also APLUS Reform Loan ・ Bank Reform Loan, and for those with high mortgage interest rates, we recommend consolidation with a mortgage loan.

    Especially for those with interest rates around 1% or higher, it is worthwhile to do a trial calculation ！ （ We provide simulation, advice and even make appointments with banks. The application and other procedures are done by you. ）

    When you contact us, please mention that you have read "Vivinavi".

    • Useful info / Life / Housing
    • 2024/04/02 (Tue)
    Vivinavi Ichihara

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Did you know ？ Further electricity price increase is expected from May. Chikuden Chiba

    Free Estimates ・ Cross-estimates welcome ！ Reduce your electricity bill by installing storage batteries and solar panels.
    Starting in May, the government's gas ・ support program will end and electricity bills are expected to increase further.
    The increase in the renewable energy levy included in electricity bills and the end of support measures will result in a significant increase of around 1,000 yen for ordinary households.

    Now that this price hike is continuing, we are moving from the era of buying electricity to the era of producing electricity, and
    it is no exaggeration to say that solar power generation is now a must.

    By installing storage batteries and solar panels,
    you can further reduce your electricity bill while being environmentally friendly.

    ☑ Lower electricity bills
    ☑ Excess electricity can be stored and used in conjunction with storage batteries
    ☑ Peace of mind during disasters and power outages
    ☑ Consideration for the global environment is possible

    Chikuma Den Chiba is an excellent company registered with Eco-Energy Consultation Service and Guri-Energy.
    We will propose the most suitable installation for your lifestyle.
    The number of solar panels that can be installed depends on the shape of your roof, so
    please contact us if you are interested.

    [Payment Methods]
    Cash, of course, but also APLUS Reform Loan ・ Bank Reform Loan, and for those with high mortgage interest rates, we recommend consolidation with a mortgage loan.

    Especially for those with interest rates around 1% or higher, it is worthwhile to do a trial calculation ！ （ We provide simulation, advice and even make appointments with banks. The application and other procedures are done by you. ）

    When you contact us, please mention that you have read "Vivinavi".

    • Satisfaction guaranteed / Life / Housing
    • 2024/02/29 (Thu)
    Vivinavi Ichihara

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Free Inspection of Elevated Places by Drone] We have moved from the age of buying electricity to the age of producing it. We can aim for further reductions by linking with energy storage.

    Inquiries are increasing rapidly ！ With electricity costs continuing to rise, it is no exaggeration to say that solar power generation is now a must.
    Installation of solar panels is environmentally friendly and can further reduce electricity bills.

    Chikuden Chiba can check the condition of your roof with a drone before installing solar panels.
    We have introduced a 4K drone, which enables us to inspect even the smallest details.
    The customer can check directly with their smart phone.

    The number of solar panels that can be placed on your roof depends on the shape of your roof, so please contact us if you are interested.
    Please feel free to contact us as we do not forcefully solicit our customers.

    We support your life with a waste-free system that saves money through efficient power generation and consumption, and also cares about the environment by working with clean energy.

    Since the effects and other benefits obtained vary greatly depending on the combination of systems, our professional staff will carefully listen to your wishes and explain the outline and costs in an easy-to-understand manner during the free consultation and estimation process.
    We also accept quotes from other companies, so please contact us first if you are interested.

    [Payment Methods]
    We recommend not only cash, but also APLUS renovation loans ・ bank renovation loans, as well as consolidation with a mortgage loan for those with high mortgage interest rates.

    Especially for those whose interest rate is around 1% or more, it is worthwhile to try the trial calculation ！ （ We will do the simulation, advice and even make an appointment with the bank. You are responsible for your own application and other procedures. ）