FYI with JVP

Homeguard home warranty and John V Pinto, Realtor discuss the potential for PG&E implementing a public safety power shut off during times of high fire, danger and homeowner coverage for purchasing a gas generator. --- Send in a voice message: https://podcasters.spotify.com/pod/show/john-pinto2/message

Transaction Rescue service is a free benefit for members of the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.) that helps them with any mortgage-related issues or questions that may arise in their real estate transactions¹. The service provides one-on-one assistance from a lender liaison who can help with finding a lender, loan qualifications, down payment assistance, closing transactions, underwriting, short sales, funding, payoffs, REOs, deeds in lieu, and preparing clients for homeownership¹. The service also offers webinars, education, and tools to enhance the financial literacy and strategies of C.A.R. members and their clients¹²³. If you are a C.A.R. member and you need help with a stalled or challenging transaction, you can submit an inquiry online or call the helpline at (213) 739-8383¹. The service is available Monday to Friday from 9:00 a.m. to 6:00 p.m. PST¹. I hope this information is useful for you.

John V Pinto, 50 year California Realtor, talks title, and escrow with Sal Covarrubias, San Francisco Bay Area sales manager for First American Title Company. Having a frictionless sign off experience for buyers and sellers when they're closing escrow is the common goal between realtors, lenders, and escrow professionals. --- Send in a voice message: https://podcasters.spotify.com/pod/show/john-pinto2/message

Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about Precautions to take when traveling during the COVID 19 pandemic. Noemi articulates how to stay safe while traveling, depending on your vaccination status, your mode of transportation, etc. For more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. For more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about the Pandemic of the Unvaccinated. Noemi amplifies the messaging coming from the CDC. For more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health. Noemi advises us to be hyper-vigilant, NOT relaxed, about maintaining COVID 19 protocols. For more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about COVID-19 "Breakthrough" Infections. How likely is it for you to get infected if you've gotten vaccinated? Noemi tells us about the different efficacy rates for each vaccine. For more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Sommelier Kara Joseph discuss the exciting and educational experience of her foray into the New York City Wine World. If you want to order Kara's book "If Wine Could Talk", go to Joseph, Kara: 9781950906949 on Amazon.com: Books, or try Target or Bares & Noble. You can reach Kara at https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto talks with Noemi Mauricio, Clinical Community Educator for Adventist Health about COVID-19 "booster" shots and "3rd dose" vaccination shots - the Who, When and Where. for more information in Napa County, go to: https://covid19.ca.gov/vaccines/. In other locations, please check the Public Health- COVID-19 website for your county. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Sommelier Kara Joseph discuss her studies in Marketing, Mass Communications and theater at the University of Florida, and how that curricula helped prepare her for a career in Wine Education. If you want to order Kara's book "If Wine Could Talk", go to Joseph, Kara: 9781950906949 on Amazon.com: Books, or try Target or Bares & Noble. You can reach Kara at https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto talks to Sommelier Kara Joseph about manifesting her ideal life, living amongst the vineyards and securing employment in an iconic Rutherford, California chateaux. If you want to order Kara's book "If Wine Could Talk", go to Joseph, Kara: 9781950906949 on Amazon.com: Books, or try Target or Bares & Noble. You can reach Kara at https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto & Sommelier Kara Joseph discuss the social aspects of Wine, and how that dynamic escalates as solo tasters go from having a glass, to a shared bottle with a friend, to vertical group tastings, and from 750 ml to the excitement of galvanizing larger gatherings with magnums+.  If you want to order Kara's book  "If Wine Could Talk", go to Joseph,  Kara:  9781950906949 on Amazon.com: Books, or try Target or Barnes & Noble.  You can reach Kara at   https://www.facebook.com/karatalkstowine or on any social media with  her handle “karatalkstowine”.     If you want to contact, make a comment, ask a question of John, or sell,  buy or 1031 Exchange any real estate, you can leave a voice message on  this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto & Sommelier Kara Joseph go down her Winemaker Memory Lane. If you want to order Kara's book "If Wine Could Talk", go to Joseph, Kara: 9781950906949 on Amazon.com: Books, or try Target or Bares & Noble. You can reach Kara at https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto and Kara Joseph discuss some of her favorite vineyards in France, Italy, Spain and the USA.  If you want to order Kara's book "If Wine Could Talk",  go to Amazon.com/books Joseph, Kara:  9781950906949.  And you can reach Kara at  https://www.facebook.com/KaraTalksToWine or on any social media with her handle “KaraTalksToWine”. If you want to contact, make a comment or ask a question of John, you can leave him a voice message right on the Anchor podcast homepage. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto & Kara discuss the Sommelier Certification, & words to the wise who want to pursue this course of study.  If you want to order Kara's book  "If Wine Could Talk", go to Joseph, Kara:  9781950906949 on Amazon.com: Books.  You can reach Kara at  https://www.facebook.com/karatalkstowine or on any social media with her handle “karatalkstowine”. If you want to contact, make a comment, ask a question of John, or sell, buy or 1031 Exchange any real estate, you can leave a voice message on this podcast or text him at 408-785-8885. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto & Abel Fregoso of Homebridge Mortgage discuss financing tools and how past refugees have paved the way for Afghan refugees to achieve the American Dream of Home Ownership. Voice Message us any questions right inside this podcast. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To Use a FNMA "Homestyle" Loan to finance the construction of an Accessory Dwelling Unit (ADU) or Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To Use an FHA 203k loan to Finance the Construction of an Accessory Dwelling Unit (ADU) or a Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about how to use a cash-out refi to finance the construction of an Accessory Dwelling Unit(ADU) or a Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about using a HELOC to finance the construction of an Accessory Dwelling Unit (ADU) or Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about How To use a Home Equity Loan to finance the construction of an Accessory Dwelling Unit (ADU) or a Jr.ADU. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about Mortgage Insurance - its benefits, options & costs. When should you avoid it and when should you embrace it? --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services explain what "closing costs" are; the two categories of Recurring and Non-Recurring Closing Costs; and why it's important to see a Net Sheet to determine how much money you'll need to come up with to close your home purchase. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talk about the difference between a Loan Pre-Qualification vs. a Loan Pre-Approval.  --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services talks about new changes to the home loan qualifying process under post-COVID-19 guidelines. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Financial Services discuss Credit Tips when applying for a home loan. What are the DOs & DON'Ts? --- Send in a voice message: https://anchor.fm/john-pinto2/message

Frank Pinto was born 4/21/1921 & prevailed over Mussolini, The Fascists, Hitler, 2 Nazi Slave Labor Camps, & being on the wrong end of The Mafia Labor Rackets run by Albert & Anthony Anastasia & their murderous crews. Tune-in & listen to John & Joe go down Memory Lane, Red Hook, Brooklyn, talking about their role model & ultimate survivor. He died peacefully on 12/26/2002. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, discuss a topic that's extremely important right now - Appraisal Issues. They describe how to anticipate them, avoid them when possible and deal with them when you can't. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, explain what "debt ratios" are and how they impact your maximum loan amount. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, discuss what used to be known as "Verification of Deposit & Proof of Funds". What are "seasoned funds"? How are bank account, stock and IRA/401K statements looked at by a lender? --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services, talk about the ins & outs of having a blood relative assisting in your purchase of a home. They can give a "gift" of some, and in some cases, all, of the down payment you need. Find out what kind of paperwork the lender will want to see. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso, Senior Loan Officer at Homebridge Financial Services explain how credit scores determine your qualification for a loan and what the interest rate will be. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss the real-world benefits and detriments of 30 year vs 15 year mortgages. What are the factors that determine the best decision for your situation? How do the interest rate, monthly payment, amount of interest paid over the life of the loan and the loan amount you qualify for, change between the two options? And is there a third option? You can see our Doodly version of this topic at: https://youtu.be/ZnIAhDZ6yag --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss why you should consider building an ADU (or Jr ADU)  and obstacles you may face when seeking financing. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan, when you require a higher loan amount than FHA allows and have a larger down payment. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer and Abel Fregoso of Homebridge Lending discuss the benefits of combining your home purchase financing with a renovation loan. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending discuss when it's beneficial to opt for an ARMs (Adjustable Rate Mortgages), potential savings in payments and interest rates, and understanding how future rates are tied to Loan Indices & Margins. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto & Senior Loan Officer Abel Fregoso talk about what Loan Products are available for Investors in 1 to 4 units. Learn how the location of the property & it's Sales Price will affect Loan Limits, Required Down-payment and Qualifying Debt Ratios. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending explain how you can adjust the interest rate on your home loan by increasing or decreasing the "points". How one factor in your decision should be the answer to the question "How long do I anticipate owning this property?" --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending explain the difference between "Conventional", "Jumbo" and "Super Jumbo" Home Loans. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending tell you everything you want to know about VA Home Loans. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto & Voice Artist Suzanne Davison discuss being mindful of the demographics that you are pursuing & establishing corresponding criteria for choosing a Professional Voice Artist to convey that messaging. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending talk about Niche Loan Products for Buyers of 1 to 4 units. These loans are particularly helpful for entrepreneurs, salespeople and people that own their own businesses. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto talks to Voice Artist Suzanne Davison about the more accessible and friendly approach to conversational voice-over, versus the Direct Response effectiveness of an announcer's sound. --- Send in a voice message: https://anchor.fm/john-pinto2/message

John V. Pinto and Voice Artist Suzanne Davison discuss how to streamline your presentations and sales pipeline through effective use of voice-overs and e-Learning. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Suzanne advises Voice-over Artists, Video-bloggers, Pod-casters, Public Speakers, Content Creators, etc., about proper warm-up and breath control techniques that will have you sounding your best. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Whether you are an aspiring Voice Artist, looking to promote your business, or want to add production value to your media, Suzanne imparts how you can up your game by incorporating professional Voice-over. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending talk about FHA Financing for SFRs (Single Family Residences). --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending talk about FHA (Federal Housing Authority) financing for 2 to 4 units, & how to use it to amass a real estate portfolio. --- Send in a voice message: https://anchor.fm/john-pinto2/message

Realtor John V. Pinto & Senior Loan Officer Abel Fregoso of Homebridge Lending talk about the many Down-Payment Assistance Programs that would benefit potential Home Buyers (and their agents). --- Send in a voice message: https://anchor.fm/john-pinto2/message

Being a Trade-up/down buyer in this Real Estate Market is more exciting than a Disney e-ride. Listen in on my conversation with lender Abel Fregoso on how to make that harrowing sell/buy scenario less precarious by shifting to a more predictable refi/buy/sell strategy. --- Send in a voice message: https://anchor.fm/john-pinto2/message