My family has a long history of many veterans and military serving our proud nation and protecting its borders.  My favorite “Uncle Ed” proudly served during WWII, Vietnam & the Korean War and has lived a wonderful life.  He’ll be celebrating his 90th birthday this year!  I have many other cousins, Uncles & Aunts that have also proudly served!  To ALL military – Active, Veterans, Reserves & their respective Military Families – we SALUTE YOU and we THANK YOU FOR ALL YOU DO!!

In Honor of Veterans Day 2011 – Many restaurants want to TREAT YOU to some FREE FOOD!!  Here is a list, Enjoy Your Day! 

Cantina Laredo Mexican Restaurant – FREE Entree 11/11/11 – Applicable to All Veterans & Active Military – w/ military ID.

Applebee’s – FREE Meal 11/11/11

Famous Dave’s – 25% OFF any Entree  11/11/11

And to all those families that are unable to spend this holiday with their active military or lost loved one – we thank you and your family for their sacrifice and We Salute You!

Have a Happy Veterans Day!  2011  ”We are Proud to Be Americans!”

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"Experience Esplanade"

CONGRATULATIONS to our Raffle WINNERS & THEIR Prizes: 

$25 Gift Card to Brooks Brothers – Carol Chapin w/ Russ Lyon Sotheby’s

Kerala Candle from Calypso St. Barth ($65 Value) – Kerri C. Callidora w/ Ventana Fine Properties

$25 Gift Card to Brooks Brothers – Debra Castor w/ Academy Mortgage Corp.

Origins Gift Set ($85 Value) – Bradley Pokorney w/ The Sutton Group – Realty Executives

3 pc Egyptian Cotton Towel Gift Set – Karen Pokorney w/ The Sutton Group – Realty Executives

3 pc Egyptian Cotton Towel Gift Set – Megan Schaff w/ The Katie Halle Team – Keller Williams Sonoran Living

3 pc Egyptian Cotton Towel Gift Set – Betsy Lynn w/ Russ Lyon Sotheby’s

$500 Gift Card to Optical of Aspen – Deborah Rivers w/ Realty Executives

GRAND PRIZE WINNER of the IPAD 2 – Christy Walker w/ REMAX Signature

We can’t forget the wonderful event staff for their professionalism and dedication to this event – our delightful Party Hosts – Jared Pellegrini & Alex Boechtel.  Much appreciation goes out to Esplanade Building Mgr – Howard Kunkle & Building staff – Artie, Paul & Joel!

And a Very Special Thank you for Putting this Exclusive Event Together – Our Featured Listing Agents and Event Hosts:

Susan Polakof w/ Coldwell Banker

Tina Garcia w/ Geneva Real Estate & Investments, LLC.

Stuart Farley w/ Insight Properties & Management

We will definitely look forward to the next event!!

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With months of investor overlays, credit restrictions, and an overall hesitance by banks to lend but to only the “cream of the crop”, financing to the masses of the population below 640 mid credit score or 20% of the country (source:http://www.creditscoring.com/average) has become very difficult.

DO YOU HAVE A 580 FICO mid score or greater?  

So if you have a 580 FICO mid score or greater then chances are – you can now get a loan, you do not need a 640 or better mid score any longer!!

How does it work…

1. debt ratios are 31/43% no exceptions
2. all collections must be paid except medical
3. bankruptcy must be 36 months since discharge NO EXCEPTIONS
4. Foreclosure, DIL, Short Sale 36 months since date reported NO EXCEPTIONS
5. no condos
6. no loan amounts less than $75,000
7. all loans are manually underwritten
8. contracts cannot be entered into until an approval is issued
9. no escrow hold backs
10. no HUD homes
11. loans cannot be locked until appraisal is received
12. rates are based on current market and small overlays based on each credit tier – makes sense lower score higher rate based on risk factors.

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