San Clemente Mortgage

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San Clemente is a city located in Orange County, California. As of the 2000 census The estimated population, in 2003, was 57,768.. San Clemente is the southernmost city in the county, six miles south of San Juan Capistrano. Its location makes it the only city in Orange County closer to San Diego than to Los Angeles. Prior to the arrival of the Spanish, the area was inhabited by what came to be known as the Juaneño Indians. After the founding of the Mission San Juan Capistrano, the local natives were conscripted to work for the mission. The city of San Clemente was founded in 1925 by real estate developer Ole Hanson who named it for San Clemente Island and envisioned it as a Spanish-style coastal resort, a "Spanish Village by the Sea." In an unprecedented move, he had a clause added to the deeds requiring all building plans to be submitted to an architectural review board in an effort to ensure that future development would retain some Spanish-style influence (for example, for many years it was required that all new buildings in the downtown area have red tile roofs). It was incorporated in 1928 with a council-manager government. In 1968 President Richard Nixon bought the H. H. Cotton estate, one of the original homes built by one of Hanson's partners. Nixon called it "Casa Pacifica," but it was nicknamed "The Western White House." It sits above one of the West Coast's premier surfing spots, Trestles, and just north of historic surfing beach San Onofre. During Nixon's tenure it was visited by world leaders and cronies alike, including Soviet Premier Leonid Brezhnev, Mexican President Gustavo Díaz Ordaz, Japanese Prime Minister Eisaku Sato, Henry Kissinger, and Bebe Rebozo. Following his resignation, Nixon retired to San Clemente to write his memoirs. He later sold the home and moved to Park Ridge, New Jersey. The property also has historical tie to the democratic side of the aisle; prior to Nixon's tenure at the estate, H.H. Cotton was known to host Franklin D. Roosevelt, who would visit to play cards in a small outbuilding overlooking the Pacific Ocean. San Clemente is also the surfing media capital of the world, home to Surfing Magazine, The Surfer's Journal, and Longboard Magazine, with Surfer Magazine just up the freeway in San Juan Capistrano.Interstate 5 runs through San Clemente. The Foothill Transportation Corridor is planned to connect Mission Viejo to the Orange/San Diego county line and will run along the east side of San Clemente on its way to I-5. Poche beach is located on the north side of San Clemente, California. Known for its stinky tunnel that provides beach access, the wave is not very popular unless there is a large swell with a low tide. It is also one of the best kitesurfing spots in South Orange County due to the propensity for side/onshore wind (spots such as Sunset Beach on the north side of Orange County has stronger and more reliable winds than South Orange County). Original kitesurfers at this spot include Richard West and Wayne Cook way back in 2002. The Shorecliffs Beach Club (Private) has a very attractive building, parking lot, and play area/paddle board court at the beach. Life guards are provided in the summer season.

http://ci.san-clemente.ca.us/sc/Org/CityNews/Calendar/default.asp - Other helpful information.

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San Clemente Fixed Rate Mortgages

This is the most common type of mortgage program. Your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable.

San Clemente Adjustable Rate Mortgages

These loans generally begin with an interest rate that is 2-3 percent below a comparable fixed rate mortgage, and could allow you to buy a more expensive home. However, the interest rate changes at specified intervals (for example, every year) depending on changing market conditions; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

San Clemente Reverse Mortgage

A reverse mortgage is a special type of loan made to older homeowners to enable them to convert the equity in their home to cash to finance living expenses, home improvements, in-home health care, or other needs. With a reverse mortgage, the payment stream is "reversed." That is, payments are made by the lender to the borrower, rather than monthly repayments by the borrower to the lender, as occurs with a regular home purchase mortgage.

California FHA and VA Mortgage Loans

There are many factors to consider when applying for a government loan. We will be by your side every step of the way. Below is some helpful information to help get you started.