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VIP MEMBERSHIPS + PERSONAL SHOPPERS*

Most Popular HOME CONSULTANTS FULL SERVICES + Best Value TRAVELS CONSULTANTS + EARING POINTS CREDIT  FOR EVERY PURCHASE.

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WELCOME TO CALI STORE VN 2019

250 BRAND NAMES & DEPARTMENT STORES + 

One Stop Shopping Mall Online 24/7

www.calistorevn.com

NEW AMERICAโ€™S LEADING RETAIL EXPERIENCE ๐Ÿ‡บ๐Ÿ‡ธ 

1-855-880-8866


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WE CARE FOR OUR NEXT GENERATIONS

GREAT FLIGHTS+ GREAT SAVINGS membership

OUR MEMBERSHIP BENEFITS OFFERS & SERVICES

CALI STORE VN @ MEMBERSHIPS

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CALI STORE VN Membership:
Take full advantage of every CSV membership benefit including a variety of services that can help you save money.
CALI STORE VN (CSV) membership is a free membership for life.

PROMOTIONS + EVENTS

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250 FASHION BRAND NAME STORES & DEPARTMENT STORES AT GREAT DISCOUNTS  & SALE UP 50% OFF!

The Biggest SALE of The Year are in July 4th, Thanksgivings, Christmas  Holidays Season.

Half Year SALE & End Of Seasons SALE.

OUR CUSTOMERS testimonials

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Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.

Membership Benefits Offers

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Congrats, you've been invited to join the club!

SAM'S Club Offers: 

https://www.samsclub.com/r/8q3qbqn

LENDING CLUB Offers:

https://www.lendingclub.com/site/borrow/personal-loans?lc_referrer=Member_166053585

Membership Benefits Offers

Congrats, you've been invited to join the club!

Congrats, you've been invited to join the club!

AMERICAN EXPRESS Offers:

http://refer.amex.us/ANDYTS8lh

Membership Benefits Offers

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Congrats, you've been invited to join the club!

CALI STORE VN Membership: Take full advantage of every CSV membership benefit including a variety of services that can help you save money. CALI STORE VN (CSV) membership is a free membership for life.



BUYING A HOME PROCESS & HELPFUL TIPS @ ANDY TRAN REALTOR; DRE #01913079

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR BUYERS NEED TOย KNOW!

PREQUALIFICATION OR PREAPPROVAL? WHAT YOUR CLIENTS NEED TO KNOW

You  have making important decisions about financing your new home. A smart first step is to know how much theyโ€™ll be able to borrow by getting prequalified or preapproved by a lender.


PREQUALIFICATION

What is prequalification?

Prequalification is an estimate from a lender indicating the amount you could potentially borrow for a home. Itโ€™s not a commitment to lend.

Why should I get prequalified?

Getting prequalified can give you a price range for when you start searching for a new home.

How do I get prequalified?

You can get prequalified easily online or over the phone. The amount is often based on simple information such as your income, assets and credit score. Please contact me to learn how convenient it is.


PREAPPROVAL

What is preapproval?

Unlike prequalification, preapproval is a much more specific estimate of what you could borrow from your lender. 

At ADK BANCORP INC. preapproval status lasts for 60 days.

Why should I get preapproved?

If you need to move quickly in a competitive housing market, preapproval gives you an edge. It shows the seller that you are a serious buyer, which sets you apart from other buyers.

How do I get preapproved?

By getting pre-Approved, youโ€™re doing most of the work required to secure a loan. Pre-Approval requires underwriting and much of the supporting documentation necessary for a mortgage, including copies of pay stubs that show your last 30 days of income, W-2 statements from the past two years, signed personal and business tax returns from the past two years, and your two most recent bank statements for all financial accounts. If you are self-employed, Pre-Aapproval also requires a copy of your most recent quarterly or year-to-date profit/loss statement.







Estimate your personal rate with the

mortgage calculator or 

refinance calculator

&



5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

5 TIPS TO HELP BUYERS PREPARE & READY WHEN YOU FIND YOUR DREAM HOME!

April 2019

5 TIPS TO HELPS BUYERS PREPARE

BUYERS seeking for potential of a DREAM HOME. 

1. Review 

Start by looking at your credit score to make sure there are no errors. Also, pay off any delinquent bills and reduce your debt to get a more favorable debt-to-income ratio. Most lenders want your debt-to-income ratio to be no more than 36%.

2. Get prequalified or preapproved.

Getting prequalified for a mortgage gives you an idea of what your loan program and the amount you can borrow might look like in advance. Plus, it can be done through my website for free.

3. Figure out how much home can you afford

Next, set a price range. What can you reasonably afford? Donโ€™t forget to include insurance, property taxes, and condo/homeowner association fees if applicable.

Helpful tip: 

https://calistorevn.idxbroker.com/idx/mortgage

 can help you determine monthly home payments.

4. Know what you want

Now itโ€™s time to focus on your vision. Do you want a two story or ranch? Need a large yard for entertaining? Nearby bike and jogging paths? Close proximity to schools? What are your target neighborhoods?

Knowing your price range and what you want is important in a sellerโ€™s market where you may need to move quickly.

5. Study different mortgage types

There are many types of mortgages available. The 30-year, fixed-rate mortgage is the most common, but familiarizing yourself with all your options helps you make smart financial decisions. Talk with a lending specialist to learn more.

Ask us or an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.









Estimate your personal rate with the

mortgage calculator or 

refinance calculator

&

HOME LOANS & PROGRAMS WHAT YOU NEED TO KNOW WHICH IS BEST ONE FOR YOU?

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Everyone has different needs based on their specific situation. When we work together, I'll put best products and services to work to help you as clients find the home loan that's right for you.

Affordable Loan Solutionยฎ mortgage

This loan offers a competitive rate and a down payment as low as 3% to help make buying a home more affordable. It may be a good, responsible loan option for qualified homebuyers who don't have enough savings for a larger down payment.

Here are some highlights of the program:

  • Competitive rates with a down payment as low as 3%
  • Applicants cannot own additional properties at closing
  • Mortgage insurance is not required
  • Homebuyer education may be required for first-time buyers through a HUD-approved counseling provider or nationwide network of counselors or us as an ADK BANCORP INC. lending specialist, I am happy to talk with you about your home buying or refinancing needs.
  • Maximum income and loan amount limits apply (varies by location)

FHA and VA loan programs

These government lending programs from the Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) can help your eligible clients find low-down-payment options. They serve a vital role for first-time homebuyers and also move up buyers seeking low-down-payment options.

FHA program highlights include:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Higher loan-to-value (LTV) ratios
  • Nonoccupant co-borrower
  • Up-front Mortgage Insurance Premium (UFMIP) financed or paid in cash by applicant or seller
  • Monthly Mortgage Insurance Premium (MIP) required

VA program highlights include4:

  • Industry standard credit score requirements
  • Nontraditional credit
  • Up to 100% LTV ratio
  • No mortgage insurance (While VA loans do not have mortgage insurance, the borrower may be required to pay a VA funding fee. This fee is typically financed into the loan amount.)

CURRENT MORTGAGE RATE

CURRENT MORTGAGE RATE

Estimate your personal rate with the

 mortgage calculator or 

refinance calculator

&


PERSONAL LOANS & AUTO LOAN

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 Finally there is an easy way to get 

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VIP MEMBERSHIPS BENEFITS

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Congrats, you've been invited to join the club!

BUSINESS & PERSONAL FINANCE SERVICES CENTER


CALI STORE VN 2019 www.calistorevn.com 855.880.8866

CALI STORE VN 2019 ๐Ÿ‡บ๐Ÿ‡ธ OVER 500 BRAND NAMES & DEPARTMENT STORES

Through innovation, we're creating a seamless experience to let customers shop anytime and anywhere online, through mobile devices and online stores. We are creating opportunities and bringing value directly to customers and communities around the globe.

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM...JOIN NOW!

RESIDENTIAL & COMMERCIAL REAL ESTATES DREAM TEAM...JOIN NOW!

* New Listings *

4180 Wilshire Blvd #202, Los Angeles CA 90010  MLS # OC19109896 $1,025,000

4180 Wilshire Blvd #202, Los Angeles CA 90010

MLS # OC19109896 $1,025,000

&

The Mortgage calculator or the refinance calculator.

The Loan Calculator helps you estimate the monthly payments

* Business Opportunity *

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9684 Westminster Blvd, Garden Grove CA 92844

MLS # OC19084422 $125,000

&

The Mortgage calculator or the refinance calculator.

The Loan Calculator helps you estimate the monthly payments