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GIGI LITTLEFIELDREALTOR - INTERO REAL ESTATE SERVICES
Office: 661-702-0188Cell: 818 515-8982Fax: 661 702-7953gigiring@hotmail.com
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Gigi Littlefield  - Your Realtor  
Santa Clarita -Valencia -Castaic - Stevenson Ranch - Saugus Canyon Country - Newhall -  and Serving all Areas  of Southern California. Cell 818-515-8982   
Real Estate
Home Inpection

If you want to buy a home, but aren't sure if your budget can handle soaring real estate prices, we've got good news. There are things you can do to stretch your buying power. With the help of your real estate agent - and these 10 tips - you can become a savvy home buyer without breaking your budget.

1. Get pre-approved for your home loan. This means, fill out a loan application and go through the process of securing financing. That way, when you're ready to seriously evaluate real estate, you'll know exactly how much home you can afford. And you can prove to a seller that your offer is sincere.

2. Explore creative financing options. During the home loan pre-approval process, ask about ways to get creative with your financing. Low down payment options, first and second mortgage combinations and first time buyer programs might help you afford more funding. Many lenders are now offering interest-only home mortgages; just make sure you thoroughly evaluate the terms for this type of home loan. Down payment grants are also available in some instances and might be worth investigating or discussing with your realtor.

3. Sell your existing home first. Although selling your existing home before finding new real estate to buy can be a little nerve wracking, any inconvenience will be offset by your ability to make an offer with cash in hand. Contingent purchases are not the best when negotiating to buy a home. Having your financing in order and your bags packed will give you the advantage in a competitive market.

4. Look for vacant real estate. Perhaps a seller's job has transferred him out of the area. Or maybe a family purchased a new home before putting their existing one on the market. In any case, a vacant home could be just the deal for a savvy home buyer, so have your realtor look for vacant property in your preferred neighborhoods. And keep in mind, the longer a house stays empty, the greater your negotiating power will be.

5. Consider cosmetic fixers. If you're handy with a paintbrush, a toolset and gardening equipment, consider buying real estate in need of cosmetic fixing. Property that lacks curb appeal needs minor handiwork or the yard overhauled could end up being the home of your dreams for a price you can afford. You just need to look beyond the ho-hum to see the potential of a cosmetic fixer.

6. Buy a home that's a major remodel project. If you want to live on Lake Washington, but can't afford a $2M home mortgage, consider buying a dilapidated cottage on a fabulous lot with western exposure. In time you'll need to gut the existing home and build from the ground up or contract significant home improvements. But in the end your property value will skyrocket. If your carpentry and other construction skills are well-developed, you can save even more and accrue "sweat equity" during your remodel by doing much of the work yourself.

7. Don't discount bank foreclosures. One person's loss could be your gain if you buy real estate in foreclosure. Although the search for a decent foreclosure may take a while, your realtor should be able help. The U.S. Department of Housing and Urban Development (http://www.hud.gov/) can be an excellent resource for foreclosed properties. Because HUD houses are sold at market value, your best bet will be homes that need cosmetic work or even major repair.

8. Land with a manufactured home. Sometimes, to buy a home on a budget, you need to look beyond convention. Even if your wish is to buy real estate, you may have to settle for a piece of property in an outlying area with a mobile or manufactured home. Discuss this option with your real estate agent and try to keep an open mind about this possibility.

9. An older, smaller home. Older homes are typically priced much less than newer construction and don't tend to create buyer bidding wars. If you can enjoy life in an older and smaller home in a neighborhood or suburb off the beaten path, this could be your ticket to real estate ownership.

10. The cheapest house in the best neighborhood. You have your heart set on a specific - and expensive - neighborhood. Maybe it's the schools that you're interested in. Or perhaps it's the close proximity to downtown or the waterfront. In any case, a budget-savvy buyer will look for the least expensive home for sale in the neighborhood. If you're not in a hurry, you can even play the waiting game to see what properties come on the market. Your real estate agent can be a real asset in this case by investigating potential sellers.

Buying real estate without breaking your budget will require research and compromise. On moving day, however, you'll have the satisfaction of knowing that your homework paid off!

Article Source: http://EzineArticles.com/?expert=Alex_Peterson

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Landscaping Remodeling    Landscaping Remodeling

Homeowners looking to stop foreclosure are faced with a number of options, one of which is doing a short sale. Some people, depending on their situation, may allow a property to go into foreclosure instead of attempting a short sale. One reason is they don't want to keep the home in the first place. By accepting a short sale, the lender can avoid a lengthy and costly foreclosure, and the owner is able to pay off the loan for less than what he owes. The primary consideration above all is the affect both can have on your credit score.

The Basics Of A Short Sale

The concept of a short sale is fairly simple. A short sale occurs when the sale proceeds of a house fall short of what the owner still owes on the mortgage. Many lenders will agree to accept the proceeds of a short sale and forgive the rest of what is owed on the mortgage when the owner cannot make the mortgage payments. A few words of warning are in order. Not every lender will negotiate a short sale. If for example your payments are current, yet you foresee imminent cash flow problems arising that will affect your ability to make your monthly mortgage payment. Lenders have no interest in negotiation unless your payments are several months late. Another consideration is you may be held liable for taxes on the difference between the sale amount and the original loan amount. Short sales require nerves of steel.

The Credit Affects

Foreclosure

Without a doubt sellers will incur more damage on their credit report by going through foreclosure. Typically your credit score will take plunge between 200 to 300 points.

Short Sale

Short sales have a far less damaging affect on a seller's credit report. Credit scores typically lose between 80 to 100 points. What happens to your credit down the road? It is takes around three years after a foreclosure before a lender will offer a sensible interest rate, whereas for a person who went through a short sale typically waits around 18 months to buy another home at a good interest rate.

Salvaging your credit should always be the primary concern when making the decision between a short sale and stopping foreclosure. The savings in interest payments alone should be convincing enough for most people, not to mention your buying power in the near and distant future.

SaveMeFromForeclosure.com is a forerunner in the foreclosure prevention service industry, helping people to stop foreclosure and keep or sell their home. Our experience, along with our passion to help homeowners through this challenging time, set us apart from the competition. We only succeed if you are able to achieve a short sale and avoid foreclosure on your home with our assistance. Visit our website or call us at 1-888-472-8380 for a no-obligation consultation.

Article Source: http://EzineArticles.com/?expert=Chuck_Lunsford 

Home Inpection


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When housing prices in many parts of the country were booming a couple of years ago, there wasn't much national attention given to short sales. But with the current subprime debacle and increasing mortgage delinquencies, many people are wondering if the short sale process is a way to avoid foreclosure.

Basically, the definition of the short sale process is when the lender of a property allows the property to be sold for less than the amount due on the mortgage loan.

The obvious benefit to the short sale process is that it allows the seller to avoid the credit report damage associated with a foreclosure. A foreclosure can stay on your credit report for up to 10 years and can take an emotional and financial toll on you and your family.

But the pitfalls of the short sale process should be considered as well. The I.R.S. may consider any debt forgiveness as taxable income, thus resulting in a tax liability. In addition, lenders can often pursue a borrower for the deficiency balance (the difference between the amount owed and the amount paid).

In some cases you may be able to avoid taxation if you can prove you are insolvent. But if insolvency is unsuccessful, and you are faced with a tax liability resulting from the deficiency amount, it may make more financial sense for you to let the lender foreclose.

Kitchen Remodeling     Kitchen Remodeling

The Short Sale Process

The short sale process can vary, but it will generally work as follows:

1) The lender is contacted to discuss the possibility of a short sale and to determine the lender's process for completing the sale.

2) The seller issues a letter authorizing the release of personal information about the loan and the property to the buyer or escrow agency.

3) The lender will review a settlement statement, which will indicate the proposed selling price, remaining loan balances and itemize all expenses, including real estate commissions and other fees and expenses associated with the closing.

4) The seller will complete a "hardship letter," which will detail and explain all financial difficulties. Lenders will usually want to validate the seller's financial situation by looking at bank statements, investment accounts, along with examining paystubs and other financial records.

5) The lender will then look to the broker to provide a price opinion by examining the condition of the house and the market value of comparable properties.

6) The lender will then want to scrutinize the purchase agreement to determine if all amounts are reasonable and the real estate commission is acceptable.

Because of the documentation required, the short sale process can be lengthy. But if done correctly, it can work well for all parties involved. The lender avoids the uncertainty of the foreclosure process, the seller avoids a foreclosure on his or her credit report (along with potential bankruptcy), and the buyer hopefully got a good deal on a property.

Considering the complexity of the short sale process, you must be educated. If you are considering a short sale, make sure that you discuss your situation with a competent lawyer and accountant. The more educated you are on the process, the easier the transaction will be, and the better the impression you will make on the lender.

About the Author

Paul Sunndin is a writer and real estate investor. He is the author of the book “Everything You Have Learned About Real Estate is Wrong.” This book discusses the short sale as well as many of today’s relevant real estate topics.

To obtain a FREE copy of the eBook and to find out about innovative tactics for the real estate investor, visit his site at http://www.realtactic.com

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Kitchen Remodeling     Kitchen Remodeling

A short sale can only be affected after approval has been taken. But the amount of time the approval will take is difficult to guess. Those lenders who are in the short sales business believe that the approval comes through in 21 days from the time the details were provided about the short sale.

Lenders often find themselves in a tight spot when borrowers default on payments leading often to a foreclosure, or those whose payments are delayed due to various reasons. The approval process in such cases gets inordinately delayed and it is not unusual to find bottlenecks along the way, leading to backlogs extending for days, weeks and in some cases, even months at a time.

The short sale process is long and tedious, requiring a detailed set of regulations to be followed:

1. At the outset, the homeowner has to be approached to get details about all the available documents that would have to be procured and sent to the bank. The time required for this is seldom more than two days.

2. Next is the preparation of lists about how to get the home ready to be listed for sale. It also requires an appointment with the homeowner to visit the home to get a first hand picture about the property. This is also a quick survey taking just a few days.

3. The third stage begins when the estate agent begins to start marketing the place for selling, getting in touch with prospective buyers, advertising, and closing in one serious buyer. This could take anything from a few days to many months. Agencies generally begin to get queries within three to six weeks of the listing.

4. This is followed by the presentation that has to be made to the bank about the offer. It is here that the realtor's expertise in handling and negotiating a short sale comes useful. With prior experience many realtors are able to complete the negotiations in as little as two weeks, but sometimes, a small oversight may drag the process to even three months. But an average number of 30-60 days can be taken from the date of the offer sent to the lender to the time of short sale approval. This period entails at least 60-90 phone calls, faxes and mails between the realtor and the lender.

5. Finally, the short sale approval from the bank in hand, it is time for the buyer to shut the home and move out. Most are ready with previous planning and are able to do so in 10-14 days though some may take three weeks.

Short sales are not meant just for payment defaulters, as is commonly believed to be true for all foreclosed homes. Even those who have never defaulted on a single installment can make a short sale, due to the negative equity that they have for the present. It becomes easy to short sell the house and get out of the tight financial situation.

Learn more about the Anchorage Real Estate market or search Anchorage Homes For Sale on Ryan Tollefsen's Alaska Real Estate web site.

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Bathroom Remodeling

Bathroom Remodeling


















Henrik Plumbing

When buildings are purchased, leased or rented, or sold, commercial inventories are commonly required. Such activity is done by land or building owners to lessen hassles and conflicts by themselves and their tenants.

Items that are commonly found in offices like tables, desks, fax machines, telephones copiers and others that may still be considered as part of a lease remain to be listed for inventory alongside with the wise tagging or labeling of each items to know whether if it's still in good condition or already needed to be thrown away.

Experts in property inventories and considered leasing gurus already know what specific properties are needed to include to be leased and what should be returned or dispatched at the end portion of the leasing period.

For buildings, with a wide range of offices with numerous employees and large operational activities need keen and well-listed commercial inventories due to the number of office items which can either be too big or more difficult, too small. Because they remain inside a leased period, all an inventory clerk would do is count.

Leasing is cheaper to consider than purchasing, Most people do this to protect themselves from owning a property or properties that may be worthless in the future but someone only chose leasing as a way, security of not totally spending one's money as investment is quite sure. That is why it is said that commercial inventories really protect the lessor as well as the lessee from fully being bankrupt when the worst things in investing to a business occur.

In inventory reports, making clear and recognizable descriptions of items are pretty important for properties to be distinguished more and easily labeled. Even contents of a particular structure also are being listed for more complete commercial inventory.

Cataloging photographs to be used to present commercial inventories also is a great idea in protecting both parties. Pictures are commonly used in instances like this because it can show previous markings or scratches on existing properties. And these snapshots may also be taken and developed to use for comparison purposes. If it is learned that these commercial inventories were changed or damaged right after tenants moved in, part of his deposit will be used to pay for property damages.

Having this procedure of documenting things helps to lessen or get rid of misunderstandings that may lead to disputes in the last portion of the lease period. If ever a particular tenant takes something from the place where he had leased to live in, because of making commercial inventories, the possibility of re-acquiring whatever the tenant took could be clear. Making such documentation activity really ensures tenant protection from being intruded with his or her personal property and vice versa.

If the two sides have to settle things in court, a judicial system can easily resolve disputes if commercial inventories are present. This will spare costs in settling legal issues and also cool down hot-tempered individuals from having lawsuits which can be easily resolved without having scandalous situations.

Expenses to these reports from commercial inventories vary based on how big the building, the volume of items to be on the inventory and the inventory firm paid to make inventory reports. For a good estimate of your office building or any workplace, hire an inventory clerk who is known to be keen with details and good in counting.

The best skilled and talented inventory clerks surely will generate a comprehensive report. Check a known and reputable inventory company for a quotation for you to start with such beneficial procedure. Though this may cost a person or a company expenses, knowing the right number of properties and knowing that no one is taking your things away from you, having commercial inventories are quite worth to be invested at.

Daniel Zane is the owner of London inventory services one of the UK's leading suppliers of property inventories.

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ReAirconditioning.com



The history of real estate is tightly tied with man's quest for settlement and his constant search for a permanent home. It started back during pre-historic times of the tribal system and started to take shape during the feudal system where tenancy and taxes began to predominate. Back then, peasants and merchants bought, rented or sold properties under the nose of the royal class. When aristocracy was put to end in most areas of the world, the system of renting and taxation was put in the responsibility of politicians. Title lands came into existence, and lands were sold in what seemed like a free market in favour of merchants and citizens with money.

The idea of mortgages also existed way, way back and there is no particular country that its history can be traced to. Initially available only to the noble class, the industrial revolution effectively equalized the system as the wealth of the world became even. This was when mortgage loans began to be granted even for common people, who then were able to own and build homes for themselves.

In the United States, the idea of organized Real Estate came to be in the late 19th century. The National Association of Real Estate Exchanges was founded in 1908, which sought to unite those in the industry for the purpose of unifying efforts for the interest of real estate. It was in the early 1920's when various states adopted real estate licensing laws. About a decade after that, America experiences the great depression which led to the collapse of the real estate market.

However, a few years after, the industry regained back its prowess. The National Housing Act was enacting in 1934, which created the Federal Housing Administration. The industry experienced steady development in the years that followed, with the concept of condominiums introduced in the 1950's.

In the 1970's, there came about a significant increase in housing prices which have made it difficult for ordinary earners to own their own homes. At this time, inflation hit more than 20% and home loan interest rates were as high as 18%. With the fall of the Berlin Wall in 1989, the industry took a turn (as did the rest of the world). This brought forth a positive trend in the real estate industry and soon after, more and more investors staked money in the industry and there was no turning back.

Today, the development industry still undergoes its ups and downs. The risk involved in real estate continues to be there. However, with the years, real estate companies, banks and lenders have sought to make property ownership easier for Americans. Property is now seen as an investment that you can buy, rent, sell or trade. There are laws that govern these transactions to protect the interest of property owners, tenants and buyers. The power to own properties - which then was available only to tribal leaders, kings and landlords - is now ours. And that makes all the difference.

The author of this article has expertise in Austin Texas homes. The articles about Round Rock homes for sale reveals the author's knowledge on the same. The author has published many articles in his Austin real estate blog as well.

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Intel Remodeling


Unfortunately, one of the inherent problems of buying pre-owned homes is not knowing exactly what you're buying. No matter how good the inspector was that you hired to inspect the home before you bought it as an investment, the chances of a costly defect is always an ominous occurrence waiting to happen. However, when completing the purchase of a new tract home, even though the home may have a defect or two, the defect is correctable most of the time, if not all the time. This is accomplished through the built-in home warranty that comes with a home upon its purchase. More often than not, national, regional, and local builders have some type of warranty that covers even the smallest of defects, such as cracked tile, masonry work, squeaky floor boards, and caulking issues, or major issues, such as pipe leaks, roof problems, foundation cracks, and other structural issues. Structural issues may include a ten-year warranty to cover costs related to the defect. Generally, warranties are defined as standard and structural, as most major homebuilders provide these warranties, such as KB Homes, Centex, and Pulte Homes.

And yet, despite the coverage that most warranties will provide for a pre-owned or resell home, such as the warranty you can buy for $350 to $450 from Fidelity or Old Republic, nothing beats the comfort of acquiring a new home that has that bumper-to-bumper warranty coverage and still has that new car smell to it. Other negatives of pre-owned homes include the following: mold issues, termite infestation, hard to detect structural damage, and cracked foundation or slabs. It would be very rare for the latter issues to arise in a brand new tract home. These are only a few of the problems that may occur with pre-owned homes since there may be many more.

One such example of the beauty of newness and the benefit of having a home warranty provided by the builder was a new tract home I bought from Ryland Homes. This particular home had been the third home I had bought from Ryland; the second home incidentally was one door down, which I had bought at the same time. Long story short, I had just closed the home the day before, went out the next day to pick up the keys from the sales office in Moreno Valley, and proceeded to go to the brand new home. Upon proceeding through the front door, I was hit with a foul smell that was reminiscent of stagnant water and light sewage. Walking farther into the family room and then into the living room, I noticed two things that gave me immediate alarm. First, there was a leak coming from the first floor ceiling as I looked up, straight onto the carpet below. Second, I determined if there was a leak coming from the ceiling, that meant there was damage on the second floor, and if that was the case, it was likely from a burst pipe emanating from the master bathroom.

Going upstairs, my worst fears were realized. From the corner of the room that abutted the master bathroom, a huge three-by-three-foot section of wall in the master bedroom had begun to essentially melt away. This unsightly scene occurs when gypsum stone or drywall is exposed to substantial amounts of water on its surface.

Fortunately, the customer service department of Ryland Homes, being the outstanding professionals they are, responded quickly and were out there the next day to begin a ten-day cleanup and remediation of the damages. An outside company that specializes in mold detection and removal was brought in to remediate and repair. Ultimately, the tests came back negative, which meant there was no mold damage. This outcome was very critical since I had essentially pre-sold the home before I'd even closed it. Upon disclosing the potential mold damage to the prospective buyers-who eventually bought the property-there was a moment of dread, or rather a couple of days worth of dread, as a result of not knowing the extent of the damages and how it would affect the agreed upon sales price.

It can be surmised that if it were not for the reliability and responsiveness of the builder's warranty and customer service department, the outcome may have not been so positive. Even so, I netted $57,000 on this transaction, not to mention $64,000 on the other home one door down. I also had the pleasure of making two first time home buyers very happy. The people who bought the home were actually two sisters, both single mothers in their mid-forties who were moving from the Los Angeles area into Riverside County. This was the classic story of people moving into suburbia because of the high cost of housing in Los Angeles. One of the sisters actually worked only three blocks away at the local high school. Her sixty-five-mile daily commute had just been reduced to three blocks. Another happy customer and another closed transaction.

(The latter passage was an excerpt from the recently released book, The Flip: The True Life Story of How a Successful New Tract Home Investor Went from Zero to Hero, Back to Zero. To learn about Mr. Potter's expertise, go to http://www.theflip.tv and discover why New York Times bestsellers, PhD's, and HGTV hosts have raved about The Flip, a real estate docu-fiction which chronicles the real estate crisis before, after, and now. The book was also an Amazon Kindle reader bestseller).

As a member of the National Association of Realtors and the National Association of Home Builders, D. Sidney Potter began his real estate career in 1992 as a mortgage operations consultant for Synergy Consultancy Group, and proceeded to work for Marcus & Millichap and Sperry Van Ness as a commercial real estate broker selling shopping centers and storefront retail. In addition to being a former member of the International Council of Shopping Centers, he holds a BA, 2 MBA's and part of a Doctorate from Pepperdine University. Most recently he served on the Board of Directors for two major HOA's in Las Vegas.

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Service Master Clean

Los Angeles County:

Agoura Hills, Alhambra, Arcadia, Artesia, Azusa, Baldwin Park, Bellflower, Beverly Hills, Big Pines, Burbank, Carson, Century City, Cerritos, Chatsworth, China Town, City of Industry, Claremont, Commerce, Compton, Covina, Culver City, Downtown LA, Downey, Eagle Rock, El Monte, El Segundo, Encino, Gardena, Glendale, Glendora, Granada Hills, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Highland Park, Hollywood, Inglewood, Irwindale, Japan Town, Korea Town, La Canada/Flintridge, La Crescenta, La Habra, La Mirada, La Puente, La Verne, Lakewood, Lancaster, Lenox, Lomita, Long Beach, Los Angeles, Los Nietos, Lynwood, Manhattan Beach, Marina Del Rey, Monterey Park, Montrose, Northridge, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Reseda, Rolling Hills Estates, San Fernando Valley, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Signal Hill, South Pasadena, Temple City, Torrance, Valinda, Van Nuys, Ventura County, Verdugo City, Walnut, West Covina, West Hollywood, Westlake Village, Westwood, Whittier and all other cities and communities of Los Angeles County.

Orange County:
Aliso Viejo, Anaheim, Balboa Island, Brea, Buena Park, Capistrano Beach, Corona Del Mar, Costa Mesa, Coto de Caza, Cowan Heights, Cypress, Dana Point, El Modena, El Toro, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, Laguna Beach, Laguna Hills, Laguna Niguel, Lake Forest, Leisure World, Lemon Heights, Los Alamitos, Mission Viejo, Modjeska Canyon, Newport Beach, Orange, Orange Park Acres, Placentia, Rancho San Margarita, Rossmoor, San Clemente, Santa Ana, Seal Beach, Silverado Canyon, Stanton, Sunset Beach, Surfside, Tustin, Villa Park, Westminster, Yorba Linda and all other cities and communities of Orange County.

San Bernardino County:
Adelanto, Apple Valley, Argus, Baker, Barstow, Big Bear, Bloomington, Chino, Chino Hills, Cima, Colton, Daggett, Devore, Earp, El Mirage, Etiwanda, Essex, Fawnskin, Fontana, Forest Falls, Grand Terrace, Harvard, Helendale, Hesperia, Highland, Hinkley, Hodge, Ivanpaw, Joshua Tree, Kelso, Landers, Lenwood, Loma Linda, Lucerne Valley, Ludlow, Montclair, Morongo Valley, Muscoy, Needles, Ontario, Oro Grande, Phelan, Pinon Hills, Rancho Cucamonga, Redlands, Rialto, Running Springs, San Bernardino, Twenty Nine Palms, Upland, Victorville, Wrightwood, Yucaipa, Yucca Valley and all other cities and communities of San Bernardino County.

Riverside County:
Anza, Arlington, Banning, Beaumont, Blythe, Cabazon, Calimesa, Canyon Lake, Cathedral City, Cherry Valley, Coachella, Corona, Desert Hot Springs, Edgemont, El Cerrito, Gilman, Glen Avon, Glenn Valley, Hemet, High Grove, Home Gardens, Homeland, Hot Springs, Idyllwild, Indian Wells, Indio, La Sierra, Lake Elsinore, Lakeview, La Quinta, Mecca, Mead Valley, Meadow Brook, Mira Loma, Moreno Valley, Murrieta, Murrieta Hot Springs, Norco, Nuevo, Palm Desert, Palm Springs, Perris, Quail Valley, Riverside, Rancho Mirage, Ripley, Rubidoux, Sage, San Jacinto, Sun City, Temecula, Temescal Canyon, Thousand Palms, Valle Vista, White Water, Winchester and all other cities and communities of Riverside County.

Imperial County:
Brawley, Calexico, Calipatria, El Centro, Holtville, Imperial, Westmorland and all other cities and communities of Imperial County.

Ventura County:
Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Port Hueneme, San Buenaventura, Santa Paula, Simi Valley, Thousand Oaks and all other cities and communities of Ventura County. 


Our Service Areas Include: 
Los Angeles County, Agoura Hills, Alhambra, Arcadia, Artesia, Avalon, Azusa, Baldwin Park, Bell, Bell Gardens, Bellflower, Beverly Hills, Bradbury, Burbank, Calabasas, Carson, Cerritos, Claremont, Commerce, Compton, Covina, Cudahy, Culver City, Diamond Bar, Downey, Duarte, El Monte, El Segundo, Gardena, Glendale, Glendora, Hawaiian Gardens, Hawthorne, Hermosa Beach, Hidden Hills, Huntington Park, Industry, Inglewood, Irwindale, La Canada Flintridge, La Habra Heights, La Mirada, La Puente, La Verne, Lancaster, Lakewood, Lawndale, Lomita, Long Beach, Los Angeles, Lynwood, Malibu, Manhattan Beach, Maywood, Monrovia, Montebello, Monterey Park, Norwalk, Palmdale, Palos Verdes Estates, Paramount, Pasadena, Pico Rivera, Pomona, Rancho Palos Verdes, Redondo Beach, Rolling Hills, Rolling Hills Estates, Rosemead, San Dimas, San Fernando, San Gabriel, San Marino, Santa Clarita, Santa Fe Springs, Santa Monica, Sierra Madre, Signal Hill, South El Monte, South Gate, South Pasadena, Temple City, Torrance, Vernon, Walnut, West Covina, West Hollywood, Westlake Village, Whittier, Acton, Alondra Park, Altadena, Avocado Heights, Charter Oak, Citrus, Del Aire, Desert View Highlands, East Compton, East La Mirada, East Los Angeles, East Pasadena, East San Gabriel, Florence-Graham, Hacienda Heights, La Crescenta-Montrose, Ladera Heights, Lake Los Angeles, Lennox, Littlerock, Marina del Rey, Mayflower Village, North El Monte, Quartz Hill, Rowland Heights, South San Gabriel, South San Jose Hills, South Whittier, Val Verde, Valinda, View Park-Windsor Hills, Vincent, Walnut Park, West Athens, West Carson, West Compton, West Puente Valley, West Whittier-Los Nietos, Westmont, Willowbrook, Agoura, Agua Dulce, Antelope Acres, Athens, Bassett, Big Pines, Castaic, City Terrace, Del Sur, Firestone Park, Florence, Gorman, Juniper Hills, Kinneloa Mesa, Lake Hughes, Leona Valley, Llano, Neenach, Pearblossom, San Pasqual, Topanga, Two Harbors, Universal City, Valyermo.

Ventura County, Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Santa Paula, Simi Valley, Thousand Oaks, Ventura (San Buenaventura), Port Hueneme, Bardsdale, Bell Canyon, Casa Conejo, Casitas Springs, Channel Islands Beach, El Rio, Faria Beach, La Conchita, Lockwood Valley, Meiners Oaks, Mira Monte, Mission Oaks, Newbury Park, Oak Park, Oak View, Piru, Point Mugu, Saticoy, Somis.

Orange County, Anaheim Hills, Anaheim, Atwood, Placentia, Balboa, Newport Beach, Balboa Island, Newport Beach, Capistrano Beach, Dana Point, Carlton, Yorba Linda, Corona del Mar, Newport Beach, Dove Canyon, Rancho Santa Margarita, East Lake, Yorba Linda, El Modena, Orange, Floral Park, Santa Ana, French Park, Santa Ana, Foothill Ranch, Lake Forest, Las Flores, Rancho Santa Margarita, Lido Isle, Newport Beach, Mesa Verde, Costa Mesa, Monarch Beach, Dana Point, Newport Coast, Newport Beach, Northwood, Irvine, Olinda Village, Brea, Olive, Orange, Portola Hills, Lake Forest, Quail Hill, Irvine, San Joaquin Hills, Newport Beach, San Juan Hills, San Juan Capistrano, Santa Ana Heights, Newport Beach, Santiago Hills, Orange, South Laguna, Laguna Beach, Sunny Hills, Fullerton, Surfside, Seal Beach, Talega, San Clemente, Turtle Rock, Irvine, Tustin Legacy, Tustin, Tustin Ranch, Tustin, West Garden Grove, Garden Grove, Woodbridge, Irvine, Coto de Caza, Cowan Heights, El Modena, Emerald Bay, Ladera Ranch, Lemon Heights, Midway City, Modjeska Canyon, Orange Park Acres, Rancho Mission Viejo, Red Hill, Rossmoor, Silverado Canyon, Sunset Beach, Trabuco Canyon, Tustin Foothills, Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove,, Huntington Beach,, Irvine,, La Habra,, La Palma,, Laguna Beach, Laguna Hills,, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda, Anaheim Hills, Anaheim, Atwood, Placentia, Balboa, Newport Beach, Balboa Island, Newport Beach, Capistrano Beach, Dana Point, Carlton, Yorba Linda, Corona del Mar, Newport Beach, Dove Canyon, Rancho Santa Margarita, East Lake, Yorba Linda, El Modena, Orange, Floral Park, Santa Ana, French Park, Santa Ana, Foothill Ranch, Lake Forest, Las Flores, Rancho Santa Margarita, Lido Isle, Newport Beach, Mesa Verde, Costa Mesa, Monarch Beach, Dana Point, Newport Coast, Newport Beach.

Service Zip Codes Include: 90020, 90024, 90024, 90025, 90025, 90026, 90026, 90027, 90028, 90046, 90048, 90048, 90048, 90049, 90049, 90049, 90067, 90067, 90068, 90068, 90069, 90069, 90077, 90077, 90210, 90211, 90212, 90212, 90265, 90272, 90290, 90401, 90401, 90402, 90403, 90404, 90405, 90405, 90406, 90407, 90408, 90409, 90410, 90411, 91011, 91012, 91040, 91041, 91042, 91043, 91201, 91202, 91203, 91204, 91205, 91205, 91206, 91207, 91208, 91208, 91209, 91210, 91214, 91214, 91221, 91222, 91224, 91225, 91226, 91301, 91301, 91301, 91301, 91302, 91302, 91302, 91303, 91304, 91304, 91304, 91305, 91306, 91306, 91307, 91307, 91307, 91311, 91311, 91316, 91320, 91320, 91321, 91321, 91324, 91325, 91326, 91330, 91331, 91331, 91335, 91340, 91340, 91341, 91342, 91342, 91342, 91343, 91343, 91343, 91344, 91344, 91345, 91345, 91350, 91350, 91351, 91351, 91352, 91354, 91355, 91355, 91356, 91360, 91361, 91361, 91362, 91362, 91364, 91367, 91377, 91381, 91381, 91381, 91384, 91384, 91401, 91401, 91402, 91402, 91403, 91403, 91404, 91405, 91406, 91407, 91408, 91409, 91411, 91411, 91412, 91413, 91423, 91423, 91436, 91436, 91501, 91502, 91503, 91504, 91504, 91505, 91505, 91506, 91523, 91601, 91602, 91602, 91602, 91603, 91604, 91604, 91605, 91606, 91606, 91607, 91607, 91607, 91608, 91609, 93020, 93021, 93062, 93063, 93065

Acton 93510 Agoura 91301 Agua Dulce, Saugus 91350 Airport Worldway (City of LA) 90009 Alhambra 91801/91803 Altadena 91001 Arcadia 91006-91007 ARCO Towers (City of LA) 90071 Arleta (City of LA) 91331 Artesia 90680 Athens 90044 Atwater Village (City of LA) 90039 Avalon 90704 Azusa 91702 Baldwin Hills 90008 Baldwin Park 91706 Bassett 91746 Bel Air Estates (City of LA) 90049/90077 Bell 90201 Bell Gardens 90201 Bellflower 90706 Beverly Glen (City of LA) 90077/90210 Beverly Hills 90210-90212 Biola Univ. (La Mirada) 90639 Boyle Heights (City of LA) 90033 Bradbury 91010 Brentwood (City of LA) 90049 Burbank 91501-91502/91506/91523 Burbank (Glenoaks) 91504 Burbank (Woodbury Univ.) 91510 Cal State Dominguez Hills (Carson) 90747 Cal State Long Beach (Long Beach) 90840 Cal State Northridge (City of LA) 91330 Cal Tech (Pasadena) 91125-91126 Calabasas 91302/91372 Canoga Park (City of LA) 91303-91304 Canyon Country (Santa Clarita) 91351 Carson 90745-90746 Carson (CS Univ. Dominguez Hills) 90747 Carson/Long Beach 90810 Castaic 91310/91384 Castellemare (City of LA) 90272 Century City (City of LA) 90067 Cerritos 90701 Chatsworth (City of LA) 91311 Cheviot Hills (City of LA) 90064 Chinatown (City of LA) 90012 City Terrace 90063 Civic Center (City of LA) 90012 Claremont 91711 Commerce, City of 90040 Compton 90220-90222 Country Club Park (City of LA) 90019 Covina 91722-91724 Crenshaw (City of LA) 90008 Cudahy 90201 Culver City 90230/90232 Cypress Park (City of LA) 90065 Diamond Bar 91765/91789 Dominguez Hills, Cal State (Carson) 90747 Downey 90240-90242 Downtown Los Angeles (City of LA) 90013-90015/90017/90021 Eagle Rock (City of LA) 90041 East Los Angeles 90022 East Los Angeles (City of LA) 90023 East Rancho Dominguez 90221 Echo Park (City of LA) 90026 Edwards AFB 93523 El Monte 91731-91732 El Segundo 90245 El Sereno (City of LA) 90032 Elizabeth Lake 93532 Encino (City of LA) 91316/91436 Federal Bldg (Lawndale) 90261 Firestone Boy Scout Res. 92621 Florence 90001 Gardena 90247-90249 Glassell Park (City of LA) 90065 Glendale 91201-91208 Glendale (La Crescenta) 91214 Glendale (Tropico) 91204-91205 Glendale (Verdugo City) 91046 Glendora 91740-91741 Glenoaks (Burbank) 91504 Granada Hills (City of LA) 91344 Griffith Park (City of LA) 90027 Hacienda Heights (La Puente) 91745 Hancock Park (City of LA) 90004/90020 Harbor City (City of LA) 90710 Hawaiian Gardens 90716 Hawthorne (Holly Park) 90250 Hermosa Beach 90254 Hi Vista 93535 Hidden Hills 91302 Highland Park (City of LA) 90042 Hollywood (City of LA) 90028/90029/90038/90068 Huntington Park 90255 Hyde Park (City of LA) 90043 Industry, City of 91744/91746/91789 Inglewood 90301-90303, 90305 Irwindale 91706 Jefferson Park (City of LA) 90018 Juniper Hills 93543 Koreatown (City of LA) 90005 La Canada-Flintridge 91011 La Crescenta (Glendale) 91214 La Habra Heights 90631 La Mirada 90638 La Mirada (Biola Univ.) 90639 La Puente 91744/91746 La Puente (Hacienda Heights) 91745 La Puente (Rowland Heights) 91748 La Verne 91750 Ladera Heights (City of LA) 90056 Lake Hughes 93532 Lake Los Angeles 93550/93591 Lake View Terrace (City of LA) 91342 Lakewood 90712-90713/90715 Lancaster 93534-93536 Lawndale 90260 Lawndale (Federal Bldg) 90261 LAX Area (City of LA) 90045 Leimert Park (City of LA) 90008 Lennox 90304 Littlerock 93543 Llano 93544 Lomita 90717 Long Beach 90802-90808, 90813-90815, 90822 Long Beach (Cal State Long Beach) 90840 Long Beach (McDonnell Douglas) 90846 Long Beach (North Long Beach) 90805 Long Beach (World Trade Ctr) 90831-90832 Los Angeles (Airport Worldway) 90009 Los Angeles (ARCO Towers) 90071 Los Angeles (Arleta) 91331 Los Angeles (Atwater Village) 90039 Los Angeles (Bel Air Estates) 90049/90077 Los Angeles (Beverly Glen) 90077/90210 Los Angeles (Boyle Heights) 90033 Los Angeles (Brentwood) 90049 Los Angeles (Cal State Northridge) 91330 Los Angeles (Canoga Park) 91303/91304 Los Angeles (Century City) 90067 Los Angeles (Chatsworth) 91311 Los Angeles (Cheviot Hills) 90064 Los Angeles (Chinatown) 90012 Los Angeles (Civic Center) 90012 Los Angeles (Country Club Park) 90019 Los Angeles (Crenshaw) 90008 Los Angeles (Cypress Park) 90065 Los Angeles (Downtown) 90013-90015/90017/90021/90029 Los Angeles (Eagle Rock) 90041 Los Angeles (East Los Angeles) 90023 Los Angeles (Echo Park) 90026 Los Angeles (El Sereno) 90032 Los Angeles (Encino) 91316/91436 Los Angeles (Glassell Park) 90065 Los Angeles (Granada Hills) 91344 Los Angeles (Griffith Park) 90027 Los Angeles (Hancock Park) 90004/90020 Los Angeles (Harbor City) 90710 Los Angeles (Highland Park) 90042 Los Angeles (Hollywood) 90028/90038/90068 Los Angeles (Hyde Park) 90043 Los Angeles (Jefferson Park) 90018 Los Angeles (Koreatown) 90005 Los Angeles (Ladera Heights) 90056 Los Angeles (Lake View Terrace) 91342 Los Angeles (LAX Area) 90045 Los Angeles (Leimert Park) 90008 Los Angeles (Los Feliz) 90027 Los Angeles (Mar Vista) 90066 Los Angeles (Mid City) 90019 Los Angeles (Mission Hills) 91345 Los Angeles (Montecito Heights) 90031 Los Angeles (Mount Olympus) 90046 Los Angeles (Mt. Washington) 90065 Los Angeles (North Hills) 91343 Los Angeles (North Hollywood) 91601-91602/91604-91607 Los Angeles (Northridge) 91324-91325 Los Angeles (Pacific Highlands) 90272 Los Angeles (Pacific Palisades) 90272 Los Angeles (Pacoima) 91331 Los Angeles (Palms) 90034 Los Angeles (Panorama City) 91402 Los Angeles (Park La Brea) 90036 Los Angeles (Pico Heights) 90006 Los Angeles (Playa del Rey) 90293 Los Angeles (Porter Ranch) 91326 Los Angeles (Rancho Park) 90064 Los Angeles (Reseda) 91335 Los Angeles (San Pedro) 90731-90732 Los Angeles (Sawtelle) 90025 Los Angeles (Shadow Hills) 91040 Los Angeles (Sherman Oaks) 91403/91423 Los Angeles (Silverlake) 90026 Los Angeles (South Central) 90001/90003/90007/90011/90037/90047/90061-90062 Los Angeles (Studio City) 91604 Los Angeles (Sun Valley) 91352 Los Angeles (Sunland) 91040 Los Angeles (Sylmar) 91342 Los Angeles (Tarzana) 91356 Los Angeles (Terminal Island) 90731 Los Angeles (Toluca Lake) 91602 Los Angeles (Tujunga) 91042 Los Angeles (USC) 90089 Los Angeles (Valley Village) 91607 Los Angeles (Van Nuys) 91401-91403/91405-91406/91411/91423 Los Angeles (Venice) 90291 Los Angeles (Watts) 90002/90059 Los Angeles (West Adams) 90016 Los Angeles (West Beverly) 90048 Los Angeles (West Fairfax) 90035 Los Angeles (West Hills) 91307 Los Angeles (West Los Angeles) 90025 Los Angeles (Westchester) 90045 Los Angeles (Westlake) 90057 Los Angeles (Westwood) 90024 Los Angeles (Wilmington) 90744 Los Angeles (Wilshire Blvd) 90010 Los Angeles (Winnetka) 91306 Los Angeles (Woodland Hills) 91364/91367 Los Feliz (City of LA) 90027 Los Nietos 90606 Lynwood 90262 Malibu 90265 Manhattan Beach 90266 Mar Vista (City of LA) 90066 Marina del Rey 90292 Maywood 90270 McDonnell Douglas (Long Beach) 90846 Mid City (City of LA) 90019 Mission Hills (City of LA) 91345 Monrovia 91016 Montebello 90640 Montecito Heights (City of LA) 90031 Monterey Hills (City of LA) 90032 Monterey Park 91754-91756 Montrose 91020 Mount Olympus (City of LA) 90046 Mount Wilson 91023 Mt. Washington (City of LA) 90065 Newhall (Santa Clarita) 91321 North Hills (City of LA) 91343 North Hollywood (City of LA) 91601-91602/91604-91607 North Long Beach (Long Beach) 90805 Northridge (City of LA) 91324-91325 Northridge, Cal State Univ. (City of LA) 91330 Norwalk 90650 Oak Park 91301 Pacific Highlands (City of LA) 90272 Pacific Palisades (City of LA) 90272 Pacoima (City of LA) 91331 Palmdale 93550-93552/93591 Palms (City of LA) 90034 Palos Verdes Estates 90274 Panorama City (City of LA) 91402 Paramount 90723 Park La Brea (City of LA) 90036 Pasadena 91101/91103-91107 Pasadena (Cal Tech) 91125-91126 Pearblossom 93553 Phillips Ranch 91766 Pico Heights (City of LA) 90006 Pico Rivera 90660 Playa del Rey (City of LA) 90293 Playa Vista (City of LA) 90094 Pomona 91766-91768 Porter Ranch (City of LA) 91326 Quartz Hill 93536 Rancho Dominguez 90220 Rancho Palos Verdes 90275/90717/90732 Rancho Park (City of LA) 90064 Redondo Beach 90277-90278 Reseda (City of LA) 91335 Rolling Hills 90274 Rolling Hills Estates 90274 Rosemead 91770 Rosewood 90222 Rowland Heights (La Puente) 91748 San Dimas 91773 San Fernando 91340 San Gabriel 91775-91776 San Marino 91108 San Pedro (City of LA) 90731-90733 Santa Clarita (Canyon Country) 91351 Santa Clarita (Newhall) 91321 Santa Clarita (Valencia) 91354-91355 Santa Fe Springs 90670 Santa Monica 90401-90405 Saugus, Agua Dulce 91350 Sawtelle (City of LA) 90025 Shadow Hills (City of LA) 91040 Sherman Oaks (City of LA) 91403/91423 Sierra Madre 91024 Signal Hill 90755 Silverlake (City of LA) 90026 South Central (City of LA) 90001/90003/90007/90011/90037/90047/90061-90062 South El Monte 91733 South Gate 90280 South Pasadena 91030 South Whittier 90605 Stevenson Ranch 91381 Studio City (City of LA) 91604 Sun Valley (City of LA) 91352 Sunland (City of LA) 91040 Sylmar (City of LA) 91342 Tarzana (City of LA) 91356 Temple City 91780 Terminal Island (City of LA) 90731 Toluca Lake (City of LA) 91602 Topanga 90290 Torrance 90501-90506/90277-90278 Tropico (Glendale) 91204-91205 Tujunga (City of LA) 91042 Universal City 91608 USC (City of LA) 90089 VA Hospital (Sawtelle) 90073 Valencia (Santa Clarita) 91354-91355 Valinda 91744 Valley Village (City of LA) 91607 Valyermo 93563 Van Nuys (City of LA) 91401-91403/91405-91406/91411/91423 Venice (City of LA) 90291 Verdugo City (Glendale) 91046 Vernon 90058 View Park 90043 Walnut 91789 Walnut Park 90255 Watts (City of LA) 90002/90059 West Adams (City of LA) 90016 West Beverly (City of LA) 90048 West Covina 91790-91793 West Fairfax (City of LA) 90035 West Hills (City of LA) 91307 West Hollywood 90069 West Los Angeles (City of LA) 90025 Westchester (City of LA) 90045 Westlake (City of LA) 90057 Westlake Village 91361-91362 Westwood (City of LA) 90024 Whittier 90601-90605 Whittier (Whittier College) 90608 Whittier College (Whittier) 90608 Willowbrook 90059/90222 Wilmington (City of LA) 90744 Wilshire Blvd (City of LA) 90010 Windsor Hills 90043 Winnetka (City of LA) 91306 Woodbury Univ. (Burbank) 91510 Woodland Hills (City of LA) 91364/91367 World Trade Center (Long Beach) 90831-90832

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