February 5, 2012

Black Friday 2011 Deals Online and Throughout the SF Bay Area at Sunvalley Mall, Target & Walmart

 

Posted by Jason Wheeler | Fully Follow Me | Subscribe

Where will you be shopping this year on Black Friday 2011?


If you were lucky enough to take advantage of the great mortgage rates this year and you were able to refinance or save money some other way this year than you will likely be spending more money this year for the Holiday’s and especially the upcoming Black Friday. You can find some of the best black Friday deals in the bay area and the best black Friday deals online in this post and on Amazon.

Black Friday 2011 is known for being the largest retail day of the year! Are you going to be out finding the deals in the Bay Area at places like Sun Valley Mall in Concord California and the Great Mall in Milpitas?

Or will you be finding great deals online through places like Amazon? Some of the biggest retailers will do whatever it takes to get you in the doors and spending money. After you enjoy spending time with the family, playing football and stuffing your face… Get out and spend some money! Here are some of the best black Friday adds we’ve found for 2011 sales in the Bay Area.

We give you advance notice of Black Friday 2011 deals in the Bay Area in numerous categories, including electronics, computers, apparel and footwear, toys, video games, babies and kids, jewelry, home, tools and hardware, seasonal, movies and music. We feature the best Black Friday 2011deals from over 100 retailers including Walmart, Target, Kmart, Amazon.com, Lowe’s, Sam’s Club, Old Navy, MacMall, PetSmart, Toys R Us, Sears, Kohl’s, Fred’s, JC Penney, Dell, GameStop, CVS, and Macy’s

Black Friday has changed drastically since it started in the 60s. Originally, the term “Black Friday” was used by weary Philadelphia police officers to describe the shopping day after Thanksgiving, when the streets were clogged with pedestrians and vehicles. However, later on it was also called Black Friday to mark the beginning of the Christmas shopping season, when stores moved from the “red” to the “black” (from loss to profit).

Here’s what the mayhem was like last year for Black Friday 2011 at Target in California. Will you be braving the crowds or shopping online?

 

According to history For millions of people Black Friday is the time to do some serious Christmas shopping –even before the last of the Thanksgiving leftovers are gone! Black Black is the Friday after Thanksgiving, and it’s one of the major shopping days of the year in the United States -falling anywhere between November 23 and 29. While it’s not recognized as an official US holiday, many employees have the day off -except those working in retail.


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The term “Black Friday” was coined in the 1960s to mark the kickoff to the Christmas shopping season. “Black” refers to stores moving from the “red” to the “black,” back when accounting records were kept by hand, and red ink indicated a loss, and black a profit. Ever since the start of the modern Macy’s Thanksgiving Day Parade in 1924, the Friday after Thanksgiving has been known as the unofficial start to a bustling holiday shopping season.

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Black Friday 2010 Deals

  • The Frugal Find: Black Friday Deals for digital cameras, TVs, Laptops, Blu-ray…
  • Frugal Day: Black Friday deals at Toys r Us, Gap, Walgreens, Rite Aid…
  • Macy’s: Deals on shoes, clothing, jewelry, bedding…
  • Walgreens: $10 or Less , with many freebies
  • Target: $10 or Less – Toasters, handmixers, blu-ray discs, sweaters & $10 off deal
  • Department Store Deals: Highlights of JC Penney, Macy’s, Target, Walmart and more.
  • Gap: 50% off the entire store before 10am
  • 7×7: Listing of 22 different black friday sales at boutiques and stores in San Francisco

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Some of the hotter deals are:

Target's $197 Laptop and HDTV

Target, not a usual participant in the big first weekend of November sales, has apparently decided to jump head-first into the fray this year as the front page of their upcoming weekly ad has leaked… and it’s very impressive.

Featuring only two items and none of the typical “Hotter than Black Friday” claims, Target is letting the $197 price-tag speak for itself. Both the Westinghouse VR3215 32″ 720p 60Hz LCD HDTV and Acer A0722-0473 11.6″ Notebook will be on sale for $197 this Sunday, November 6. No word to if these will also be available online, but we’re not holding our breath. Both the TV and laptop will certainly sell out quickly, so be sure to get to Target early this Sunday if you’re interested.

This is also the time of year to go out and purchase your annual ugly Christmas Sweater to show off at those Christmas parties.

More deals to come on this page as ads are released!

Until Next time Here is to your success! Jason Wheeler

[Video] Funny Birthday Song from Adam Sandler

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I hope you get a laugh out of this quick ditty and have a super fun special HAPPY BIRTHDAY!! The guys in this birthday song really are having a hard time though!

No really… this song is good for a quick laugh but I truly wish you all the success and happiness in the year to come! May your next trip around the sun be full of family and financial happiness!!

Cheers! Don’t forget to save me some cake!!

Jason Wheeler

 

Staying in Kihei 10 Favorite Maui Vacation Adventures

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So it had been about five years since we’ve visited Maui, and what better reason to go back than for our first wedding anniversary right?

Flying in to the Kahului airport is always a lot of fun the temperature is a perfect 78 degrees and the afternoon winds are blowing pretty good. It feels like I was just here yesterday or almost as if I belong here. We always talk about just picking up our things from California and moving to Kihei Maui. Maybe someday…

I know many people that love visiting Hawaii for vacation and almost all of them like staying in Lahaina Maui. For me, I like to visit there, maybe for a day but we really love the south side of Maui in Kihei.

I’m blessed and lucky enough to have great opportunities to stay in that area of Maui and can’t really complain about the views from out lanai either. We had the chance to stay in the best Maui condos around.

When it comes to where to stay in Maui… Kihei is my favorite

Maui Sunsett 2011 KiheiOur view from the Lanai at Menehune

Maui town. The thing that’s great about Kihei Maui is that you get a perfect mix of local fun along with all the great vacation amenities, without it being all about the tourists.

There are plenty of great little shopping malls, bars and dining along the South Kihei strip, and not far down the road there are great beaches and parks in Kamaole. Tons of places to book and attend activities like the traditional Luau, a Helicopter ride or a visit to the main volcano that made up Maui, Haleakala. If you decide you want to get some top notch services than only 10 minutes away in Wailea are some of the most beautiful resorts in all of Maui like the Grand Wailea and the Four Seasons. The pool areas and the views are breath taking.

When we are staying in Maui on vacation, we tend to spend most of our time at the big beach in Makena. One of the most beautiful beaches I’ve ever been to and the waves are perfect for body surfing most days.

Here are some of my favorite adventures, dining and things to do while staying in Kihei Maui. Favorite Maui Restaurants & Dining

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maui-dining-wineThere are obviously a ton of places to eat on Maui and if you know me at all you know that perhaps my favorite thing in the world is dining out and enjoying restaurant life.

A good mentor once told me the most important thing to do in life is have at LEAST one or two long two to three hour dining and cocktail experiences each week… These are the things that make life worth living I think. Would you agree?

If you want to eat casual and local here are a few of my favorites Kihei Maui Restaurants. If you want to find the best Restaurants with 5 star service and food you may have to visit Wailea for that type of dining.

Da Kitchen – If you are looking for some awesome authentic Hawaiian plate lunch food this is the place. Right across from the Kamaole beach. The value is extreme. One lunch will really feed two. They serve a macaroni/potato salad mix that is wonderful.

Pizza Madness – So, if you just want some casual pizza and beer there is not a huge selection in Kihei Maui however this is the place I would recommend… the pizza is great with a really nice casual fun dining parlor with some of the best local hawaiian beers on tap. They are known for the best pizza on Maui and I would agree so far.

Kihei Cafe – I have not eaten a better breakfast in Maui. Great, casual big hawaiian style portions. If you like breakfast you’ll love this place for sure.

Oceans - This place is great for a bite and some pool. Try the coconut shrimp okay? Often when you are on vacation, it can be hard to find a bartender that will make you a real quality cocktail the way you like it. The bartenders know what they’re doing and they have some great nighttime entertainment too.

Moose McGillycuddy’s - One of our favorites for happy hour. $3 Mai Tai’s with a great ocean view of the beach. We like coming here around sunset time. Don’t miss out on some great dining deals too! The food is worth what you pay for sure. The have different food specials every night.

Stella Blues - This is the place for Breakfast for sure! I’ve been finding myself going there almost daily for the awesome breakfast deals. Check out their reviews here.

Below are some of what I think are the best Maui activities on the island.

Favorite Maui Adventures

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Hana Highway Adventures

road-to-hana-coastline We took this along the Hana Coastline

To be perfectly honest with you… I’ve done this trip twice in my life and both times thought it was extremely over rated. The scenery is breathtaking however the drive and the stops take all day, the road is slow and very windy, and there are looky lou’s EVERYWHERE!

If you insist on going though.. there are a few things I recommend you don’t miss. Be sure to stop in the Hippie Town of Paia as it is your last chance to get a picnic lunch (there is not much to eat on the way) and fuel up your car. Take a bit of time to check out the shops too.

This town has some great shopping and made me feel like I was in a mini Berkeley California. They have some unique shops too. Not the same old tourist junk shops like in Lahaina.

If you want to do it all pick up a Hana CD guide to listen to in your car.

In my opinion when you do this drive you should leave early, avoid all the stops on the way there and drive straight to the end where you will visit the Seven Sacred Pools.

You don’t want to miss this area as it is truly unique. If you drive straight there you will avoid all the tour busses too. After hanging out there for a bit enjoy the ride back and make as many stops as you want.

Whatever you do DON’T continue driving after the pools and attempt to make it all the way around the island… I did this once and the road becomes unpaved, bumpy and all around hellish! On a map it may look attractive to go all the way around but trust me… you won’t make it back for dinner. Don’t do it!

On the way back from the pools I recommend making two stops for sure.

maui-hana-lava-tube Inside the Lava Tube

The black sand beach at Hana is great for a picnic and hanging out for a bit. Relax and take a load off.

As you continue on your way back don’t miss the “Lava Tube” this attraction is not on the guide that you get from Paia and the tour busses don’t stop there.

This is likely one of my favorite attractions on Maui. You can become a Spelunker for a bit and go deep into the islands largest and longest underground Lava Tube. It won’t hurt your money purse either. The trip is only $10 and takes about 30 to 45 minutes depending on how much you want to explore. If you drive the road to Hana and you miss this… I would say you blew your whole trip there for sure!

The trip is long and it will take your entire day… It’s worth it to do at least once I would say.

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Days At Makena Big Beach

makena-big-beach We took this at The “Big Beach” in Makena Maui

There are a ton of great beaches to visit on Maui but hands down, Makena Beach is the best for people watching, walking and finding some of the best body surfing waves on Maui. We keep going back to Makena when we want to have a “beach day” The great thing is that it is just a 15 minute drive from where we are staying in Kihei.

You really do want to be careful in the water though… one of the days we were there they waves were about 7 to 8 feet from the base and the water was really pretty dangerous. I attempted to body surf for a bit but I was ill equipped and after catching just one wave decided to call it quits once I was pummeled into the sand. I think it was a good idea as I’m sure the rest of my time in Maui would have been pretty tough if I had suffered any kind of injuries. The locals make it look so easy though.

Once you’re tied of watching the local surfers you might want to take a short hike over the rocks to the “Little Beach” at Makena. If you venture over there don’t be surprised when you see a quite a few naked body surfers. This kind of people watching is not for everyone.

Either way Makena Beach Maui is not something you should miss out on.

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Day at the Four Seasons Wailea

Four_Seasons_Wailea_Serenity_Pool View At the Four Seasons Wailea

We were lucky enough to know of some friends that were staying at the Four Seasons in Wailea about 15 minutes from where we stay in Kihei. We met up with them to hang out and take advantage of the top notch pools, cocktails and services.

Wailea is just 10 minutes from our condo in Kihei and also has some of the best hotes in Maui. To be honest anyone can just roll up to the hotel, have the valet park your car and check out the pool. They don’t seem to care as long as you are buying some cocktails. The Mai Tai’s were great but don’t expect the Moose McGillycuddy happy hour price previously mentioned. Be ready to spend a bit of money. Check out their pools, restaurants and swim up bars.

We also spent part of that day just checking out the other resorts in Wailea. Make a day out of it and live it up. Even if you aren’t staying there it’s fun to pay a visit to the best hotels in Maui.

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Maui Hidden Spot Swinging Bridges in the Waihe’e Valley

swinging-bridges-maui Hidden Hike in Maui Swinging Bridges

My favorite hike and a hidden gem in Maui is the so called hidden swinging bridges hike in the Waihe’e Valley. It’s hidden away past Wailuku and the Iao Valley State Park.

When you park don’t leave anything in your car as theft here is very common. Leave the car empty with the windows down. Less likely you will get a widow broken.

The hike is only a bit over a mile long and is not a tough climb at all. Wear shoes, not sandals though. Follow the trails and you will discover some beautiful scenery, rivers and waterfalls. The fun part is there are two rickety old swinging bridges that you must cross on the way to the top. It really is a lot of fun.

Once you reach the top there is a hidden pool perfect for swimming and and there is a waterfall that you can hang out underneath. Not too many people know about this hike but it is one of my favorite things to do here for sure. Don’t miss out on it.

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Haleakala Sunrise

Maui-Haleakala-Sunrise Sunrise from Haleakala Crater

At least once you should get up really early and take the trip up to the top of the volcano Haleakala. You can take a tour and bike down and this tour really is a lot of fun. However if you’d rather go yourself get up there by about 4:45 am with some warm cloths. The summit is extremely cold even though you are on Maui. Sometimes it may even snow up there.

Bring a breakfast or some snacks to eat as there are no vendors in the park. The sunrise from inside the crater of the volcano is truly a spectacle and quite breathtaking. It kind of feels like you are visiting the moon or something.

Ulupalakua Shop Deli & Tedechi Winery Haleakala Upcountry

Ulupalakua BuddiesSome buddies at the Deli by the Winery

After watching the sunrise on Haleakala you may want to continue to tour the up country. When you are in Maui everyone and their mother will tell you to check out the “Road to Hana” while it really is gorgeous, if you would rather not spend your entire day on the excursion you may want to opt for a nice drive to the winery in Maui.

Just about 40 minutes from Kahului central Maui, and a beautiful scenic drive you don’t want to miss this. Once we got there we took some pictures with friends and had an awesome authentic pulled pork lunch at the Ulupalakua Shop and Deli.

Right across the street you can check out the tasting room at the Tedechi Winery… be careful I saw myself getting in real trouble, their tasting room is free!

Truthfully… they’re wines can’t hold a candle to California wine however it is a lot of fun and they even have a few that are made from pineapple only. Worth the drive for sure!

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Scuba Diving and Snorkeling Maui

Day 3 Molikini Dive Trip (14).jpg Photo From: Bensr

I’ve been SCUBA certified since 2000 and have done a ton of dives in Maui. Some of the best beach dives are Makena Landing and Ulua beach. If you would like to do a more adventureous dive take a boat to Molikini with one of the Dive Shops.

Check out one of the Dive Shops and book an inrto dive if you are not certified or you just want to see if you might like scuba diving. They have great service and are pretty affordable. They rent out all your gear for free too! Also check out the smaller Scuba Shack in Maui too. You can find some great deals there. I’ve found you really get the best service and the most for your money when you book your dives with teh Scuba Shack

If you are a seasoned diver my favorite dives are the deeper ones around Molikini. In the past we’ve seen all kinds of things from sea turtles, to white tip reef sharks and we even saw a huge manta ray that had a wing span of at least 10 feet once out there. Diving is definetly something you should try.

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Just Other Super Cool Stuff I Found on Maui

Super Discount Activities – There are a ton of activities for tourists on Maui. If you want an extreme discount on Luas, tours and adventures check out Auntie Snorkel You get discounts over half off the regular price. What is the catch tough? You must agree to sit thourgh a 90 minute timeshare presentation. To me… I’d say it was worth it.

Cool Maui Gift – Better than the average tourist junk shop I love the lava plants they sell at Living Memories of Maui They can ship all over too. Makes a great thoughtful gift that people will remember for sure!

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There you have it! There is the list of my favoite things to do while staying in Kehei Maui. Have you been to Hawaii? Leave me a comment and let me know you favorite place or adventure and I’ll check it out next time for sure!

 

Unhappy with Your Website? How to Get a Free Optimized WordPress Site and Win a Free Apple iPad

 

Posted by Jason Wheeler | Subscribe

I’m really glad you opened this message because I have an important question for you:

Are you happy with your website?

Is it getting you the traffic, sales, and publicity that you and your business deserve? If you ARE happy with your website, this message is not for you… Unfortunately, for most people I’ve asked, the answer to that question has been a big fat NO-

Most people either don’t have the technical background required to set up the website they want…

…or don’t have the big bucks to dish out to expensive web designers
and developers.

Or, even worse, you may have spent thousands of dollars on a new website, just to find out that it’s not optimized for Search Engine Traffic, and Google doesn’t even know you exist! Thankfully, my friends Russell and Bradley built a solution that I’m glad to share with you today-

It’s called the Free Blog Factory:

Here’s what it does:

*Automatically installs a WordPress website on your domain, complete with a $100 Premium Theme and their hand-chosen Top Business Tools, FREE! (you just pay for hosting after the
30 day trial)

*Gives you the world’s only FREE WordPress Support when you sign up, solving all your technical problems for less than $10/month!

*Hosts your blog with the fastest, most secure web hosting available – backed by the world’s #1 hosting provider, HostGator!

It seems incredible that these two guys in their 20′s were able to partner with HostGator and offer such a great product for such an amazing price, but they did and the results are phenomenal! If you’re not happy with your website, don’t have the big bucks to pay out, or just don’t have a website yet, I highly recommend Free Blog Factory:

Give it a try, now (it’s free)!

By the way… These guys also offer one of the greatest affiliate programs I’ve seen, which is another reason I’m promoting it. Right now they’re giving away up to $65 for each FREE blog you give
away, as well as Amazon Gift Cards, iPad 2′s, and MacBook Airs to affiliates who promote May 1st-15th!

Click here to learn more about the affiliate contest:

Until Next time Here is to your success! Jason Wheeler

 

Downtown Pleasant Hill Wine Walk Event – Get Tickets Today

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Other nearby towns like Walnut Creek have done similar events that are a lot of fun!

For the first time Pleasant Hill CA will be hosting a downtown Wine Walk. Get in touch with the Pleasant Hill Chamber of Commerce today to get your reservations and find out more details. The tickets to this wonderful event doesn’t cost much money at all! Cheers!

Until Next time Here is to your success! Jason Wheeler

10 California Private Money Portfolio Lending Scenarios… FUNDED – We Can Close When Your Lender Says NO.

 

Article by Jason Wheeler | Read our Feed | 925-285-2172

Denied due to bad credit?STILL NEED TO CLOSE THIS MONTH???

have a purchase go sideways on last minute?

need to get a real appraiser of your choice out there?

We are not HARD money!!!

Programs: We specializes in loans slightly outside the box, we are not always agency sellers so most of our loans represent agency fallout or turn down’s of some kind. Our goal is to be in every broker’s product mix so your loan officers can offer all products available in the market place.

We have 30 FR and 15 FR. 

CRUNCH TIME; when it really counts… 

  • FASTEST fundings in the industry!!! ( 1 week fundings)
  • Use of your own appraiser
  • Direct access to decision makers
  • Same day review on request
  • Draw docs SAME DAY as CLA.
  • Fund in 24 hours no BS…

Scenarios to fundings with Jason Wheeler’s Portfolio Lender:

Put us in your ”tool box” to get those challenging loans done…

  • Choose your own appraiser, 
  • close at lighting speed, and
  • get a file exception you need fast… 

Here are 10 Recent Scenarios When We Funded and THEY Couldn’t

  1. Borrower recently received a raise but did not with an average as conforming requires. We will take new salary immediately…..Funded  
  2. Borrower was self employed and recently changed to a W-2 employee . Again we used the new salary for the new job to qualify…..  Funded 
  3. Property was 30 acre parcel and conventional lenders would not lend. We required 2 appraisals, but got it done for them…… Funded  
  4. YOUR appraiser!: HVCC appraiser failed to value a unique property and the broker needed to use an appraiser from that area to get a good appraisal….. Funded  
  5. Retired borrower with only 1 year of receipt of annuity income. Agency needs two years…..Funded  
  6. Loss carryover on taxes made the income a negative, we look for true cash flow and therefore were able to qualify….. Funded  
  7. Met all agency guidelines, but broker needed to close in 5 days. We actually funded on the 4th day of receiving the application…..  Funded 
  8. DTI a little HIGH: purchase 750 FICO strong borrower but limited income DTI upwards of 50.33%…Funded 
  9. 600K loan cash out to 70% LTV with a 680 fico. Agency required a 740 fico and capped the LTV at 65%…..Funded  

    Purchase of a second home where the borrower owned more than 4 financed properties…..Funded  

    SELF Employed Borrower:  Borrower is self-employed, but for less than 2 years…..  Funded   

  10. We still do condo to 95% below 417k…

Until Next time Here is to your success! Jason Wheeler 925-285-2172

Leave a Comment or Question Below we Answer Each One!Until Next time Here is to your success! Jason Wheeler 925-285-2172 |

History of the Superbowl | Most Popular Super Bowl Ads 2011 | All Superbowl History Since the Begining in 1968

Posted by Jason Wheeler | New here? Read our feed

Super Bowl Ads and Commercials always get such a buzz. Here are some of my favorites over the years.

What is your favorite superbowl add. Leave a comment or paste the you tube link in the comments section Below.



 


 

 

Recap of all the Super Bowl Games History

The First Super Bowl, The Start of it All!

SuperBowl I – 1967 – Green Bay Packers vs. Kansas City Chiefs

SuperBowl II – 1968 – Green Bay Packers vs. Oakland Raiders

SuperBowl III – 1969 – New York Jets vs. Baltimore Colts

SuperBowl IV – 1970 – Kansas City Chiefs vs. Minnesota Vikings

SuperBowl V – 1971 – Baltimore Colts vs. Dallas Cowboys

SuperBowl VI – 1972 – Dallas Cowboys vs. Miami Dolphins

SuperBowl VII – 1973 – Miami Dolphins vs. Washington Redskins

SuperBowl VIII – 1974 – Miami Dolphins vs. Minnesota Vikings

SuperBowl IX – 1975 – Pittsburgh Steelers vs. Minnesota Vikings

SuperBowl X – 1976 – Pittsburgh Steelers vs. Dallas Cowboys

SuperBowl XI – 1977 – Oakland Raiders vs. Minnesota Vikings

SuperBowl XII – 1978 – Dallas Cowboys vs. Denver Broncos

SuperBowl XIII – 1979 – Pittsburgh Steelers vs. Dallas Cowboys

SuperBowl XIV – 1980 – Pittsburgh Steelers vs. Los Angeles Rams

SuperBowl XV – 1981 – Oakland Raiders vs. Philadelphia Eagles

SuperBowl XVI – 1982 – San Francisco 49ers vs. Cincinnati Bengals

SuperBowl XVII – 1983 – Washington Redskins vs. Miami Dolphins

SuperBowl XVIII – 1984 – Los Angeles Raiders vs. Washington Redskins

SuperBowl XIX – 1985 – San Francisco 49ers vs. Miami Dolphins

SuperBowl XX – 1986 – Chicago Bears vs. New England Patriots

SuperBowl XXI – 1987 – New York Giants vs. Denver Broncos

SuperBowl XXII – 1988 – Washington Redskins vs. Denver Broncos

SuperBowl XXIII – 1989 – San Francisco 49ers vs. Cincinnati Bengals

SuperBowl XXIV – 1990 – San Francisco 49ers vs. Denver Broncos

SuperBowl XXV – 1991 – New York Giants vs. Buffalo Bills

SuperBowl XXVI – 1992 – Washington Redskins vs. Buffalo Bills

SuperBowl XXVII – 1993 – Dallas Cowboys vs. Buffalo Bills

SuperBowl XXVIII – 1994 – Dallas Cowboys vs. Buffalo Bills

SuperBowl XXIX – 1995 – San Francisco 49ers vs. San Diego Chargers

SuperBowl XXX – 1996 – Dallas Cowboys vs. Pittsburgh Steelers

SuperBowl XXXI – 1997 – Green Bay Packers vs. New England Patriots

SuperBowl XXXII – 1998 – Denver Broncos vs Green Bay Packers

SuperBowl XXXIII – 1999 – Denver Broncos vs Atlanta Falcons

SuperBowl XXXIV – 2000 – St. Louis Rams vs Tennessee Titans

SuperBowl XXXV – 2001 – Baltimore Ravens vs New York Giants

SuperBowl XXXVI – 2002 – New England Patriots vs St. Louis Rams

SuperBowl XXXVII – 2003 – Tampa Bay Buccaneers vs Oakland Raiders

SuperBowl XXXVII – 2004 – New England Patriots vs Carolina Panthers

SuperBowl XXXIX – 2005 – New England Patriots vs Philadelphia Eagles

SuperBowl XL – 2006 – Pittsburgh Steelers vs Seattle Seahawks

SuperBowl XLI – 2007 – Indianapolis Colts vs Chicago Bears

SuperBowl XLII – 2008 – New York Giants vs New England Patriots

SuperBowl XLIII – 2009 – Pittsburgh Steelers vs Arizona Cardinals

SuperBowl XLIV – 2010 – New Orleans Saints vs Indianapolis Colts

Until Next time Here is to your success! Jason Wheeler

High Balance Jumbo Mortgage Loans in California and San Francisco Bay Area only 20% Down Payment for Purchases!

Posted by Jason Wheeler | Fully Follow Me | Read More

When you are looking for a Jumbo High Balance Loan in California or in the Bay Area in general it can be difficult to secure financing for a high end 2nd home or an investment property with a 20% down payment.

Most Jumbo High Balance Lenders will only let you finance 70% of the purchase price. We are proud to offer some of the most competitive rates on loans from $729,000 up to 2 Million Dollars. Our Loan Process is pretty easy and we can close quickly.

Here are just a few of the things we can do with 2nd homes and Investment properties most retail lenders like Citibank Bank of America and Wells Fargo can’t touch! To top it off we guarantee to beat their pricing! Get in touch and ask us about our pricing guarantees and 30 day close guarantees on purchases.

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  • Loans on 2nd Homes and Investment Properties up to 75% or 80% Loan to Value (LTV)
  • Jumbo Loans on 1 Unit to 4 Unit Investment Properties
  • Interest Only programs available
  • 40 Year Amortization for lower loan payments

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Call or Email Us now for a Quick Approval and Personalized Quote 925-285-2172

Investor relationships are key when you are referring to getting a loan. Especially if you are applying for a Jumbo Loan

amount above $700,000. In today’s volatile lending environment it has become more and more difficult to secure financing



 

especially for large loans and high end properties. We are very proud to announce that we have the ability to fund Jumbo Loans above $5,000,000 in many cases.

Below you will find over 10 reasons you should contact us for all your large jumbo loan needs as well as conventional lending and transactional funding.

===================================

  1. Portfolio Lender – Private investors not Fannie Mae and Freddie Mac
  2. Loan Amounts to $500,000 (May go higher – case by case basis)
  3. LTV’s to 80% for Purchase & Rate and Term
  4. Cash-out to 65% LTV / 70% CLTV
  5. Condo’s to 60% LTV, to 70% on select Condo Projects
  6. Second Homes and 2-4 Units to 70% LTV
  7. Non-Owners – Investment Property to 50% LTV to $1,000,000
  8. Pledged Asset Portfolio Loan Program
  9. Vesting Title in Entities Program, LLC’s, Trusts,
  10. Partnerships and Sub-S Corp
  11. Local Manual Underwrite to every file

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We Have the Tools To Unlock The Money Leverage you Need!

SF Gate Says jumbo mortgages are hard to get but DON’T worry about it. We can do your loan! One of the Bay Areas biggest Real Estate Sites Redfin will tell you that these loans are tough to come by too! The fact is you need banking relationships like ours!

If you are a Real Estate Agent and you are looking to break into the high end market place in the Contra Costa East Bay Area you must have a reliable source for funding your high end Jumbo deals. Many lenders cannot deliver on this type of loans in the current market place but we have the expertise and the relationships needed in order to fund these deals for you high end buyers.

The Mortgage Process is not always easy and Rates Change on a daily basis, however if you want the best chance to get you Jumbo Loan funded let us know and we will help you with your loan scenario!

Testimonials and Reviews for Jason Wheeler

 

Rising Mortgage Rates in Contra Costa Bay Area Area on a Major Uptrend – Lock Your Rate Today with Your Mortgage Broker in the East Bay

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Mortgage Rates in the Bay Area and in California have seen a major uptrend in the last few weeks. If you are sitting on the fence you may want to take advantage and lock in your low rates today! This uptrend could last for some time.


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Bank rates change daily and sometimes multiple times daily. See below for most up to date data on mortgage trends. If you would like pin point pricing you should email or call us anytime.



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Call or Email Us for a Quick Approval and Personalized Quote

Rates on the above trend chart show the AVERAGE mortgage rate currently in California. The rate on your loan scenario could be lower or higher than the posted average rate depending on different criteria and what lender we work with. For absolutely NO OBLIGATION email us and we will shop over 30 lenders in order to get you the best combination of rate and costs to close along with the criteria required to close your loan. In order to get your FREE Custom Quote just email us with:

  1. The Loan Amount you wish to qualify for
  2. The property you want to finance and weather you occupy it or not
  3. Reason for the loan ext… (lower my rate, take cash out, purchase a property)

Within 24 hours we will email you back with a custom quote that you can compare with other lenders like your personal bank or current broker. YOU DON’T EVEN HAVE TO CALL OR PROVIDE A PHONE NUMBER!

Some of the Loan Options we Specialize in Are

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Currently mortgage rates are lower than they have been in the last 50 years! If you have been on the fence on a refinance or looking to purchase a property in the East Bay Area, Pleasant Hill, Martinez, Walnut Creek, Concord or one of the surrounding cities in the SF Bay Area, we can help you close your loan fast and efficient with little to no closing costs at some of the best rates on the market today. We would like to educate you on the important steps of the mortgage process and we work with banks like Wells Fargo, Bank of America, and many smaller partners that offer great incentives and can often close in 30 days or less and we can help you qualify for tax credits and local government programs in the Bay Area.

The fact is that if you are currently searching for a 30 Year Fixed Mortgage or just looking for a shorter term loan like a 5 Year Arm, we will be able to compare mortgage rates and pricing with multiple banks so that you can benefit with the bet pricing on your mortgage refinance up to 125% of your appraised value or a strait home purchase on an REO or a foreclosure. There are many steps you must take to be successful when buying a home in the Bay Area. But the first thing you should do is get a good local quote from a mortgage broker that has the ability to shop and compare rates in the city that you are looking to finance in. Here are 10 essential tips to buying a home in the Bay Area

We do loans all over California however we specialize in the San Francisco Bay Area and Contra Costa County. We have several clients in Pleasant Hill, Martinez, Concord, Antioch, Walnut Creek, San Ramon, and Lafayette. If you are financing property in the east bay area don’t hesitate to get in touch with us now for a rate comparison.



 


 

Get in touch today for your free review!

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

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Five Reasons To Join Us at Our East Bay Real Estate Seminar Event

money houseMany people would love to start building wealth in real estate but they lack the money, the time, the education and the guidance to get started. Of all the obstacles that keeps people from building wealth in real estate the biggest challenge is the MONEY.

If there was a way that provided the MONEY you need to invest in REAL ESTATE and provided you with the EDUCATION to implement some income producing real estate strategies, would you want to know about it?

Join us for a FREE workshop and learn about a community that provides you with the Money , Education and Support to start & accelerate a lucrative real estate investing  business and successfully build wealth today.

Here are FIVE very powerful reasons you’ll want to Join Us:

  1. Increase your sales production and earn 2x the money for ½ the work
  2. Work with real estate investors in the foreclosure, short sales, REO’s and auction properties
  3. Become an investor and make profits in addition to your commission
  4. Access funding for up to $1.0M to fund your own transaction or investments
  5. Turbo-Charge your real estate sales career by helping people buy their homes with Bad Credit (BK, foreclosures, No Credit, etc.).

And so much more!!!

If you are seriously looking for a way to improve your finances and create wealth in real estate then join us at the Real Estate and  Business Income workshop!

30 Seats Available! Register Now!

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

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CA Tax Credit Details Released | How To Get the New Home Buyer Tax Credit

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Important Details | The 2010 New Home Credit and First-Time Buyer Credit begins May 1, 2010.

The New Home / First-Time Buyer Credits are available only for purchases that close escrow on or after May 1, 2010. 

Applying for the 2010 New Home/First-Time Buyer tax credits:  Applications must be faxed after escrow closes. The new application will be available by May 1, 2010.  We will deny the application if the 2009 form is used or if we receive the 2010 application before May 1, 2010.

Check this page often. We will add updates as they become available.

General Information: These tax credits are available for taxpayers who purchase a qualified principal residence on or after May 1, 2010, and before January 1, 2011. Additionally, these tax credits are available for taxpayers who purchase a qualified principal residence on or after December 31, 2010, and before August 1, 2011, pursuant to an enforceable contract executed on or before December 31, 2010.  The purchase date is defined as the date escrow closes. Taxpayers may apply for the tax credits if they have entered into a contract before May 1, 2010, as long as escrow closes on or after May 1, 2010.

These tax credits are limited to the lesser of 5 percent of the purchase price or $10,000 for a qualified principal residence. Taxpayers must apply the total tax credit in equal amounts over 3 successive tax years (maximum of $3,333 per year) beginning with the tax year in which the home is purchased. The tax credits cannot reduce regular tax below tentative minimum tax (TMT). The tax credits are nonrefundable and unused credits cannot be carried over.

The total amount of allocated tax credit for all taxpayers may not exceed $100 million for the New Home Credit and $100 million for the First-Time Buyer Credit. However, since many taxpayers will not be able to utilize the entire tax credit, the legislation specifies that the $100 million cap for the New Home Credit will be reduced by 70 percent of the tax credit allocated to each buyer and the $100 million cap for the First-Time Buyer Credit will be reduced by 57 percent of the tax credit allocated to each buyer. For example, if a taxpayer is allocated $10,000 for the New Home Credit, the $100 million cap for the New Home Credit will only be reduced by $7,000. If a taxpayer is allocated $10,000 for the First-Time Buyer Credit, the $100 million cap for the First-Time Buyer Credit will only be reduced by $5,700. The 70 and 57 percent reductions do not impact the amount that can be claimed by the taxpayer.

We will allocate the tax credits on a first-come, first-served basis. 

Only one tax credit is allowed per taxpayer. If a taxpayer qualifies for both tax credits, the law specifies that we will allocate the amount under the New Home Credit.

Taxpayers will not be eligible for either tax credit if any of the following apply:

  • The taxpayer was allowed a 2009 New Home Credit.
  • The taxpayer is under 18 years old. (A taxpayer who is married as of the date of purchase will be considered to be 18 if the spouse/registered domestic partner (RDP) of the taxpayer is 18 or older on the date of purchase.)
  • The taxpayer or the taxpayer’s spouse/RDP is related to the seller.
  • The taxpayer qualifies as a dependent of any other taxpayer for the tax year of the purchase.

New Home Credit:  A qualified principal residence, for purposes of the New Home Credit, must:

  • Be a single family residence, either detached or attached. This can be a single family residence, a condominium, a unit in a cooperative project, a house boat, a manufactured home, or a mobile home. A home constructed by the taxpayer is not eligible since the home has not been “purchased.”
  • Have never been occupied. Sellers must certify that the home has never been occupied in order for a taxpayer to receive an allocation of the credit.
  • Be eligible for the California property tax homeowner’s exemption.
  • Be occupied by the taxpayer as their principal residence for a minimum of 2 years immediately following the purchase.

Tax credit allocation:

  • A Certificate of Allocation will not be issued if:
    • The seller does not certify the home has never been occupied.
    • We do not receive the application and a copy of the properly executed settlement statement within 2 weeks (14 calendar days) after the close of escrow.
    • We receive the application or reservation request after the total tax credits available have been allocated.
  • FTB’s determination may not be protested or appealed.

First-Time Buyer Credit:  A qualified principal residence, for purposes of the First-Time Buyer Credit, must:

  • Be a single family residence, either detached or attached. This can be a single family residence, a condominium, a unit in a cooperative project, a house boat, a manufactured home, or a mobile home. A home constructed by the taxpayer is not eligible since the home has not been “purchased.”
  • Be eligible for the California property tax homeowner’s exemption.
  • Be occupied by the taxpayer as their principal residence for a minimum of 2 years immediately following the purchase.

A first-time buyer is any individual (and the individual’s spouse/RDP, if married on the date of purchase) who did not have an ownership interest in a principal residence, either in or out of California, during the preceding 3 year period ending on the date of the purchase of the qualified principal residence. If the buyer is married on the date of purchase and either the buyer or the buyer’s spouse/RDP had an ownership interest in a principal residence during the preceding 3 year period, the buyer does not qualify for the First-Time Buyer Credit even if the spouse/RDP is not going to be on title.

Tax credit allocation:

  • A Certificate of Allocation will not be issued if:
    • We do not receive the application and a copy of the properly executed settlement statement within 2 weeks (14 calendar days) after the close of escrow.
    • We receive the application after the total tax credits available have been allocated.
  • FTB’s determination may not be protested or appealed.

Applications: We will accept applications by fax only beginning May 1, 2010. Do not use the 2009 application. We will post more information by May 1, 2010.

Reservations: Taxpayers who qualify for the New Home Credit may, but are not required to, reserve a tax credit prior to the close of escrow. Reservations will become important as we near the $100 million cap for homes that may not close escrow before the cap is reached, as a reservation will “hold the taxpayer’s place in line” until 2 weeks after escrow closes. To reserve a tax credit, the taxpayer and seller need to complete, sign, and fax to us a reservation request to certify that they have entered into an enforceable contract on or after May 1, 2010, and on or before December 31, 2010. A copy of the signed contract must be included with the reservation request. Taxpayers who reserve a tax credit still need to fax an application and a copy of the settlement statement within 2 weeks after the close of escrow. Taxpayers may not reserve a tax credit if the contract was entered into before May 1, 2010. We will post the reservation form and details about the process by May 1, 2010.

If you are only applying for the First-Time Buyer Credit, you will not be able to reserve the tax credit before escrow closes.

Claiming the tax credit:

  • The taxpayer must receive a Certificate of Allocation from us to claim the tax credit on their California personal income tax return. The Certificate of Allocation will state the maximum amount the taxpayer can claim listed by tax year.
  • The taxpayer should refer to the 2010 New Home / First-Time Buyer Credit Publication for instructions on claiming the tax credit (the publication will be available by December, 2010).
  • Special rules apply to married/RDP taxpayers filing separately, in which case each spouse/RDP is entitled to one-half of the tax credit, even if their ownership percentages are not equal. For 2 or more taxpayers who are not married/RDP, the tax credit amount will have already been allocated to each taxpayer occupying the residence on their respective tax credit allocation letter.
  • If the available tax credit exceeds the current year net tax, the unused tax credit may not be carried over to the following tax year.
  • The tax credit may not reduce regular tax below TMT.
  • The tax credit is not refundable.
  • Any disallowance of the tax credit may not be protested or appealed

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Weekend Wrap Up 4/2/2010 | First Quarter Down What is Your Markeing Plan?



 

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"The Weekend Wrap Up"

Presented by Jason Wheeler

Can you believe that we have reached the end of the 1st quarter of 2010 already!? During this time it is great to reflect and see how your current marketing strategy is working for your business. Personally I made some big changes for my business in the new year and I have been having some truly phenominal results. No matter what your business is you NEED a marketing plan.

Here are are a few tips that myself and some partners are having some great success with!

  1. Tighten your target market. Smaller, highly targeted marketing options are far cheaper – and often more effective – than tactics that reach a larger audience.  For example, instead of direct mailing to an entire state of note holders or potential buyers and sellers off of a quality list, maybe direct mail to only note holders in that state with notes under $100,000, that are seasoned less than six months on residential property only.  Or if you are using classified ads, instead of placing your ads in a large regional paper, maybe place them in smaller local papers in outlying rural areas around major cities.
  2. Ask for ‘remnant space’.  If you are advertising, whether it is print, TV or radio, every media outlet has unsold space they sometimes sell to smaller advertisers at a fraction of the regular price.  A company that I know got a nationwide remnant ads on CNN for only $500!  In this economic environment, ask for details!
  3. E-mail Newsletters.  Web-based services with pre-formatted templates that maintain your list and do all of the technical work for you (except for the writing) are a cheap, easy way to regularly remind note holders, referral sources and potential clients of your value and services.

What is Your Marketing Plan?

If your marketing plan is not getting the results you were planning or if you are just spending more money on your marketing plan than you really would like to you may want to make a change! Have you ever heard the story "Who Moved My Cheese"? If not you should watch this quick video.

If what you are doing is not yeilding results than now is the time to change. Since 2003 you know I have been helping people with Mortgages and I’ve also found some success in Real Estate Investing. However I’ve recently discoverd I have a a passion for Marketing and helping other grow thier business. This lead me to develop and launch my new business Sky High Media in partnership with several affiliates we guarentee results for the best price or you don’t pay.

Financing Trends

Here we are wrapping up Friday 4/2/2010. Mortgage rates are still extremely low. Some of the niche programs for first time buyers and tax credits are still available.

You can look at weekly rate trends Here | Popular Funding Programs

If you have financing questions, or want to learn more about what we are doing as Real Estate Investors? Or if you are looking for new income or lending sources… Don’t hesitate to get in touch with me anytime! Right now we have access to over 300 non traditional lenders looking to give you money for your real estate deal.

Real Estate Investor Events This Week!

Investor Forum in Bay Area CA RSVP Here!

This is your opportunity to learn from pros that are making local deals. If you would like to get started and work with a team of professional real estate investors you absolutely deserve to receive the information that we will be sharing this evening!

If you would like to network and learn with people who are truly creating success with Real Estate Investing in today’s market you don’t want to miss this.

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Until Next time Here is to your success! Jason Wheeler 925-285-2172

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