FYI with JVP🎙🏠

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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. 

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?  

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.

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?  

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.

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.

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

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.

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.

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. 

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.

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?"  

Realtor John V. Pinto and Senior Loan Officer Abel Fregoso of Homebridge Lending tell you everything you want to know about VA Home Loans.

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.

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.

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.

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).