Prudential California Realty
Residential and Commercial Real Estate 
DRE #01353688

Single Family Homes, Corporate Relocation, Condominium, Forfeiture, New Development, Real Estate Owned Properties, Loss Mitigation, Beach Front Properties, Exchanges, Rentals, Investments, Short Sales, Divorce Sales, Fire Sales, Land, Bank Owned Properties, Trust Sales, Auctions, PUD's, Commercial and Bulk Sales in Los Angeles County, Orange County, San Bernardino County, Riverside County, Ventura County and San Diego County Areas. 

I have an extensive background assisting First-Time Homebuyers, low-to-moderate income borrowers, self-employed borrowers, My Lender can provide you with a wide range of mortgage choices, competitive rates, flexible terms and conditions and find the mortgage solution that best fits your needs such as FHA, 203K, CalHFA, SCHFA, CHDAP, CalPERS, CalSTRS. VA, CalVET, Conventional, JUMBO, NHF First House, NHF Access, My Community, Grants, City Programs, HouseAmerica and Hard Money. 

Neighborhood Stabilization Program (NSP)

Congress created the Neighborhood Stabilization Program to help cities, counties and states deal with community problems that are the result of the mortgage foreclosure crisis in the nation. HUD provides money to about 250 local governments (cities and counties) and all 50 states. Generally, the money must be used to buy, fix up, and resell foreclosed and abandoned homes. As long as the funds are used for this redevelopment, the units of government that receive HUD funds decide how to use the funds and what specific redevelopment activities to undertake. If you are interested in participating in this program, you need to contact me for further details!

Neighborhood Assistance Corporation of America (NACA)

The Neighborhood Assistance Corporation of America is a non-profit community advocacy and home ownership membership organization. NACA's confrontational community organizing and revolutionary mortgage products have set the national standard for effective neighborhood stabilization programs by; fighting predatory lenders, providing the best mortgages in America, and building homeowner communities which is turn fight for economic justice for all.

NACA began in 1988 in boston as the Union Neighborhood Assistance Corporation (UNAC). Its roots are with the Hotel Workers Union-Local 26, an activist union that won and established the country's first housing trust fund for union members. NACA employed the union's activist tactics to confront lenders that were redlining communities by denying credit to minority neighborhoods and exploiting low- and moderate-income homeowners.

Mortgage Credit Certificate (MCC)

The MCC Program offers the first-time homebuyer a federal income tax credit. This credit reduces the amount of federal taxes the holder of the certificate would pay. It can also help the first-time homebuyer qualify for a loan by allowing a lender to reduce the housing expense ratio by the amount of tax savings. AT THIS TIME, ALL MCC FUNDS IN THE "NON-TARGET" AREAS HAVE BEEN COMMITTED UNTIL FURTHER NOTICE. MCC FUNDS IN THE "TARGET" AREAS ARE AVAILABLE ON A FIRST-COME, FIRST-SERVE BASIS. Notification will be made as soon as a new allocation of funds is received. 

The qualified homebuyer who is awarded an MCC may take an annual credit against their federal income taxes paid on the homebuyer's mortgage. The credit is subtracted dollar-for-dollar from your federal income taxes. The qualified buyer is awarded a tax credit of up to 15% and the remaining 85% are taken as a deduction from the income in the usual manner. 

The MCC will reduce the amount of your income taxes due to the federal government; however, the tax benefit cannot exceed the amount of federal taxes owned for the year after other credit and deductions have been taken. Instead, the tax credits can be carried forward three years until used. You may wish to adjust your federal income tax withholding in order to receive the MCC benefit on a monthly basis. Talk to your payroll department at your place of work. By reducing your monthly withholding, you will have more disposable (after-tax) income with which to make mortgage payments.

After you receive your MCC, you can take the income tax credit every year, as long as you keep the same home and the original first mortgage and continue to live in the house "Single Family Residence, Condo/Townhome, Mobile Home, or Duplex" as your principal residence.  Contact me for the MCC Program Participating Cities and IRS Census Tracts.

Languages Spanish

Specialties Acreage Commercial Custom Home Dream Home Executive Home Farm and Ranch First Time Buyers Historic Home Investment Land Luxury Home Move-Up Home New Construction New Home Relocation Residential Retirement

External Links
My Website

Professional Affiliations

• Prudential Leading Edge Society and Prudential Honor Society
• Agent of the Month and Associate of the Year
• Women's Council of REALTORS
• Asian Real Estate Association of America and National Association of Hispanic Real Estate Professionals

Community Activities

• Fishing
• Golfing
• Sports
• Boating