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    • Useful info / Finance / Insurance
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must See ！ ！ For First Time Home Buyers in California ！ ！

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment （ Down Payment ） and other expenses （ necessary to make the loan ） Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification （ Refinance ）.
    （ Silent Second ） which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer （ who has not been a homeowner for at least the past three years ）.

    There are income limits by County.
    （ Income Limit ） Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    （ Pay Stubs, Bank Statement, Tax Return, Employment History, etc. ）

    First Mortgage is a Government Loan （ FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage （ payment ） payment .

    CalHFA Goverment Loan （ FHA ） would be supported by this program for 3 ． 5% （ of the purchase price or the lower of the appraisal value ）.
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 ． 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 ， 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ？ Please feel free to contact us ！

    **************************************************************** **********************************************

    住宅ローン家モーゲージ
    • Event / Group / Organization
    • 2024/06/20 (Thu)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Cultural Exchange ： Meet people who want to meet real English, speak Japanese once in a while, and make new friends!

    NPO "Aikizuna Service Center (former Aikizuna Kai)" has been holding a popular "Cultural Exchange", a place for international exchange between Japanese and foreigners, every Thursday from 6:00 p.m. at Convoy Area (detailed time ・ location see below).

    This gathering has been going on since the days of the Aikinkai, but we had to take a break for a while due to the Corona. However, it resumed in May last year. When it was reopened, it was only those who used to participate regularly during the Aikinkai era, but recently new people have started to join, and we have been having a lot of fun every week. A wide range of people, from students to people with gray hair, have participated, making it a mixing of Japanese and American people of all ages. The conversation is a mixture of Japanese and English, and the laughter never ends. I want to speak Japanese once in a while, I want to improve my English conversation skills, I want to make new friends, etc. Everyone has their own ideas. Everyone has their own ideas and thoughts about what they want to do. If you are interested, please come and join us ！ We are looking forward to seeing you ！ You can join or leave during the class without any problem.

    The outline is as follows.

    Anyone who wants to speak English, Japanese, or make Japanese or American friends is welcome to join us. ！
    There are many people studying English and Japanese, but can they actually use the language they have learned? We have decided to start a group where you can use English and Japanese freely. We aim to create an environment where you can talk among friends, unlike in class.
    Date and Time ：
    Every Thursday at 6pm ～ 8pm
    Location ：
    Sul&Beans/ Somi Somi (former Caffe Bene)
    4620 Convoy St
    San Diego, CA 92111 San Diego, CA 92111
    No charge to attend. Bring your children.

    There is also a Culture Exchange Facebook page. We post information about the event from Wednesday night to about noon on Thursday. We recommend checking it before you leave home, especially if you are coming from far away.
    https://www.facebook.com/groups/culturalexchangesd/

    Contact:
    Aizuna Service Center
    858-380-5899
    info@ azunaservicecenter.org

    英語国際交流友達
    • Press Release / Media
    • 2024/06/17 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Walking Around Town ： Latest Articles （ Check here for information on Hawaii ）

    Alii ・ Coffee ・ Company, a cafe where Hawaii's coffee connoisseurs go crazy for the hottest craft coffee
    https://hawaii.vivinavi.com/ss/article/0001

    International menu wins hearts ！
    Sho's Kitchen Honolulu, a popular local bento shop
    https://hawaii.vivinavi.com/ss/article/0002
    Clean from the inside out. 100% plant-based burgers from a food truck ！
    https://hawaii.vivinavi.com/ss/article/0003

    Royal Hawaiian ・ The Center's recommended breakfast spot
    Safe dining with outdoor seating and open space
    https://hawaii.vivinavi.com/ss/article/0004

    Oahu. The ・ Bus, Hawaii's only public transportation system, is the best way to explore in depth ！
    https://hawaii.vivinavi.com/ss/article/0005

    Getting from Honolulu airport to Waikiki Means
    https://hawaii.vivinavi.com/ss/article/0006

    Hawaii Kai, an exclusive residential area surrounded by natural beauty where you can free your mind
    https://hawaii.vivinavi.com/ss /article/0007

    A gourmet town of Hawaii ！ Kaimuki, Hawaii
    https://hawaii.vivinavi.com/ss/article/0008

    Hawaii Travel
    Oli Oli Oli Plaza in Waikiki is open to all visitors to Hawaii ！
    https://hawaii.vivinavi.com/ss/article/0009
    Honolulu ・ A Walk in Chinatown
    https://hawaii.vivinavi.com/ss/article/0010

    Look at Kakaako, a new place with wall art all over town ！
    https://hawaii.vivinavi.com/ss/article/0011

    Hawaii's Super Cheap Shopping Paradise ！ "Waikele ・ Premium ・ Outlets"
    https://hawaii. vivinavi.com/ss/article/0012

    Latest ！ Lanikai in Summer 2022 ＆ Enjoy Kailua ！
    https://hawaii.vivinavi.com/ss/article /0013

    Travel Back in Time to the Kingdom ！ Visit Iolani Palace
    https://hawaii.vivinavi.com/ss/article/0014

    Hawaii Souvenirs for 2022 From the standard items to new seasonal items ～
    https://hawaii.vivinavi.com/ss/article/0015

    [Basic Information on Hawaii Island] Discover a new you in the great outdoors ！ Different from Oahu Enjoy the charm of Hawaii
    https://hawaii.vivinavi.com/ss/article/0016

    Ukulele stores in Hawaii ・ 4 ukulele schools ！ How to choose one
    https:// hawaii.vivinavi.com/ss/article/0017

    Plane fans will love ！ The best place to go "Lagoon Drive ・ Parking ・ Lot"
    https://hawaii .vivinavi.com/ss/article/0018

    Hawaii's Security
    https://hawaii.vivinavi.com/ss/article/0019

    Beyond the Epic History of "Hawaii ！
    https://hawaii.vivinavi.com/ss/article/0020

    [Very Popular] Visit a Farmer's Market in Hawaii! ！
    https://hawaii.vivinavi.com/ss/article/0021

    The Hilton ・ Hawaiian ・ Village Fireworks Show ！ https://hawaii.vivinavi.com/ss/article/0022

    Top 5 Foods to Try When in Hawaii ！ Top 5 Typical Foods in Hawaii
    https://hawaii. vivinavi.com/ss/article/0023

    Black Friday in Hawaii&Cyber Monday
    https://hawaii.vivinavi.com/ss/article/0024

    Surfing Mecca ！ Visit Old Town Haleiwa on the North Shore ！
    https://hawaii.vivinavi.com/ss/article/0025

    Oahu Panoramic view of the South Coast ！ Basic knowledge of Diamond Head before climbing
    https://hawaii.vivinavi.com/ss/article/0026

    New Wave of Waikiki Hotels "Twin Fins ！
    https://hawaii.vivinavi.com/ss/article/0027

    Power in Waikiki ／ Healing spots in Waikiki
    https://hawaii.vivinavi.com/ss/article/0028

    Waikiki Market finally opens with Hawaiian food culture ！
    https://hawaii.vivinavi. com/ss/article/0029

    Hawaiian Language ・ Summary of Hawaiian Dialects|Let's learn words used everyday ！
    https://hawaii.vivinavi.com/ss/article/ 0030

    Shangri-La ・ La Mansion
    https://hawaii.vivinavi.com/ss/article/0031

    Coco Head ・ How hard is the trail ？ Difficulty and things to keep in mind
    https://hawaii.vivinavi.com/ss/article/0032

    Arizona Memorial Museum to experience firsthand the history of Japan and the United States
    https ://hawaii.vivinavi.com/ss/article/0033

    The hottest topic right now ！ Fantastic new luau show "Aloha ・ Kai ・ Luau" under the stars
    https://hawaii .vivinavi.com/ss/article/0034

    Grand Opening of New Resort Complex Wai Kai （ Wai Kai ） in Eva Beach
    https://hawaii.vivinavi.com/ ss/article/0035
    It's more interesting to go there after knowing the name of the place ！ Oahu Activity Spots
    https://hawaii.vivinavi.com/ss/article/0036
    I went to ！ Joy of Sake event in Hawaii
    https://hawaii.vivinavi.com/ss/article/0037

    It took about 100 years to complete ！ St. ・ Andrews Cathedral, a church famous for its stained glass
    https://hawaii.vivinavi.com/ss/article/0038

    After 50 years, the ban has finally lifted ！ "The Little ・ Plumeria ・ Farm Tour"
    https://hawaii.vivinavi.com/ss/article/0039

    Hawaii ・ Oahu's best beaches for surfing ・ 6 points of interest ！ What are the best places for beginners ？
    https://hawaii.vivinavi.com/ss/article/0040

    Fastest growing in attention ！ Hawaii 5 Ube Sweets Recommendations
    https://hawaii.vivinavi.com/ss/article/0041

    The Appeal of Hawaiian Koa Wood and 4 Stores to Buy Koa Products
    https://hawaii. vivinavi.com/ss/article/0042

    Reef-safe sunscreen is a must in Hawaii ！ Recommended sunscreens available over the counter
    https://hawaii.vivinavi.com/ ss/article/0043

    Enjoy the feeling of being a driver ！ Ride the Skyline, Oahu's new public transportation system ！
    https://hawaii.vivinavi.com/ss/article/ 0044

    Enjoy Shopping at Hawaii's Top 3 Supermarkets ！ Which do you like, Walmart, Target or Whole Foods ？
    https://hawaii.vivinavi.com/ss /article/0045

    Everyday is a Resort ！ Plant Lover Primer - Places to Check Out While in Hawaii
    https://hawaii.vivinavi.com/ss/article/0046 <

    Discover the International Marketplace ！ The more you know, the more interesting it is
    https://hawaii.vivinavi.com/ss/article/0047

    With Your Dog ！ Dog Friendly Hiking Spots in Oahu ・ 7 Beach Spots
    https://hawaii.vivinavi.com/ss/article/0048

    Stylish Souvenirs of Hawaii Hawaii Souvenirs Here ！ Kahala Mall Walking Tour 2023
    https://hawaii.vivinavi.com/ss/article/0049

    Charming local atmosphere ！ Pearlridge Introducing Pearlridge Center （ Pearlridge Center ）
    https://hawaii.vivinavi.com/ss/article/0050

    More and more, we cannot take our eyes off ！ Kapolei, the heart of West Oahu
    https://hawaii.vivinavi.com/jpn/ss/article/0051

    The "House of the Sun", the sunrise, the lavender highlands … Maui, the island with so much to offer.
    https://hawaii.vivinavi.com/jpn/ss/article/0052

    Like a neighbor island ！ Feel the great outdoors on Oahu
    https://hawaii. vivinavi.com/jpn/ss/article/0053

    120 years of love. Let's go to Waikiki Aquarium ！
    https://hawaii.vivinavi.com/jpn/ss/article/0054

    China Walls, a spectacular spot that Hawaii connoisseurs want to keep secret
    https ://hawaii.vivinavi.com/jpn/ss/article/0055

    Honolulu City Shines ！ Honolulu ・ City ・ Lights" to make you feel Christmas
    https ://hawaii.vivinavi.com/jpn/ss/article/0057

    Feel the ZEN in Hawaii ～ Heidoin Temple ～
    https://hawaii.vivinavi.com/jpn /ss/article/0058

    Recommended beaches on the west coast of Hawaii Island and a walk around the historic town of Honokaa from Waimea, the third largest city on Hawaii Island ＜ Part 1 ＞
    https://hawaii.vivinavi.com/ jpn/ss/article/0059

    You already feel like a local when you eat it ！ Spam, Hawaii's soul food
    https://hawaii.vivinavi.com/jpn/ss/article/0060
    Beginner's Guide ！ Honolulu Marathon Preparation
    https://hawaii.vivinavi.com/jpn/ss/article/0061

    Honolulu Marathon 2023 10K Participation Report
    https://hawaii.vivinavi.com/jpn/ss/article/0062

    Recommended beaches on the west coast of Hawaii Island and a walk from Waimea, the third largest city on Hawaii Island, to the historic town of Honokaa ＜ Part 2 ＞
    https://hawaii.vivinavi.com/jpn/ss/article/0063

    Lots of good things for the user ！ "Short term lease" now available ！
    https ://hawaii.vivinavi.com/jpn/ss/pickup/0018

    Tasteful and comfortable ！ Major renovation completed at Hilton's Tapa Tower
    https://hawaii. vivinavi.com/jpn/ss/pickup/0019

    Available from the moment you arrive on the plane ！ Convenient for your Hawaii trip ・ Great value ・ Smart eSIM is a hot trend
    https:// hawaii.vivinavi.com/jpn/ss/article/0056

    What the statuesque royals wear ？ Learn more about Hawaii's traditional dress and its history ！
    https://hawaii .vivinavi.com/jpn/ss/article/0064

    Elegant time spent on the heights of Tantalus ～ Registry Land House ～
    https://hawaii.vivinavi.com/ jpn/ss/article/0065

    Oahu's Hole in the Wall "Yokohama ・ Bay （ Yokohama Bay ）" ！
    https://hawaii. vivinavi.com/jpn/ss/article/0066

    Take Full Advantage of Four Major Benefits ！ Save on Women's Travel at Hale Puna Waikiki by Halekulani
    https://hawaii.vivinavi.com/jpn/ ss/pickup/0020

    Kodak Hula Show is back after more than 20 years ！ "Kilohana Hula Show"
    https://hawaii.vivinavi.com/jpn/ss/article/ 0067

    Visit the reopened DFS Waikiki
    https://hawaii.vivinavi.com/jpn/ss/article/0068

    Kawaii never stops Cat Café MOFF is now available at many large malls in Hawaii ！
    https://hawaii.vivinavi.com/jpn/ss/article/0069

    "I want to rent a car ！. ？
    https://hawaii.vivinavi.com/jpn/ss/pickup/0021

    Feel the Urban Hawaiian Life ！ Enjoy the Ward Area <33266> Enjoy the Ward Area ！
    https://hawaii.vivinavi.com/jpn/ss/article/0070

    Sneak into the factory of "Diamond Bakery" established in 1921! The secret of its popularity
    https://hawaii.vivinavi.com/jpn/ss/article/0071

    Speaking of Hawaii ！ ～ Various recommended poke ～
    https://hawaii.vivinavi.com/jpn/ss/article/0072

    Chocolate in Hawaii is a great souvenir ！ Recommendations
    https://hawaii.vivinavi .com/jpn/ss/article/0073

    Feel the royal treatment at the Hilton's The ・ Ali'i from the moment you arrive
    https://hawaii.vivinavi.com/jpn/ss/ pickup/0022

    Spectacular views of Oahu's south coast are right in front of you ！ What is "Punchbowl"
    https://hawaii.vivinavi.com/jpn/ss/article/0074

    Free Activities ！ Enjoy Tennis in Hawaii ！
    https://hawaii.vivinavi.com/jpn/ss/article/0075

    Earth and Easy on the Wallet ～ Oahu SDGs Shop ～
    https://hawaii.vivinavi.com/jpn/ss/article/0076

    One of the best waterfalls to see on Hawaii Island ＜ Rainbow Falls ＞ and a walk in downtown Hilo
    https://hawaii.vivinavi.com/jpn/ss/article/0077

    • Event / Group / Organization
    • 2024/06/07 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Cultural Exchange ： Meet people who want to meet real English, speak Japanese once in a while, and make new friends!

    NPO "Aikizuna Service Center (former Aikizuna Kai)" has been holding a popular "Cultural Exchange", a place for international exchange between Japanese and foreigners, every Thursday from 6:00 p.m. at Convoy Area (detailed time ・ location see below).

    This gathering has been going on since the days of the Aikinkai, but we had to take a break for a while due to the Corona. However, it resumed in May last year. When it was reopened, it was only those who used to participate regularly during the Aikinkai era, but recently new people have started to join, and we have been having a lot of fun every week. A wide range of people, from students to people with gray hair, have participated, making it a mixing of Japanese and American people of all ages. The conversation is a mixture of Japanese and English, and the laughter never ends. I want to speak Japanese once in a while, I want to improve my English conversation skills, I want to make new friends, etc. Everyone has their own ideas. Everyone has their own ideas and thoughts about what they want to do. If you are interested, please come and join us ！ We are looking forward to seeing you ！ You can join or leave during the class without any problem.

    The outline is as follows.

    Anyone who wants to speak English, Japanese, or make Japanese or American friends is welcome to join us. ！
    There are many people studying English and Japanese, but can they actually use the language they have learned? We have decided to start a group where you can use English and Japanese freely. We aim to create an environment where you can talk among friends, unlike in class.
    Date and Time ：
    Every Thursday at 6pm ～ 8pm
    Location ：
    Sul&Beans/ Somi Somi (former Caffe Bene)
    4620 Convoy St
    San Diego, CA 92111 San Diego, CA 92111
    No charge to attend. Bring your children.

    There is also a Culture Exchange Facebook page. We post information about the event from Wednesday night to about noon on Thursday. We recommend checking it before you leave home, especially if you are coming from far away.
    https://www.facebook.com/groups/culturalexchangesd/

    Contact:
    Aizuna Service Center
    858-380-5899
    info@ azunaservicecenter.org

    英語国際交流友達
    • Signature service / Life / Housing
    • 2024/06/04 (Tue)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Let Hitomi Gruenberg help you find real estate in San Diego ！.

    ＜ If you are looking for a house ＞
    ・ If you are in Japan and interested in overseas real estate investment
    ・ If you are looking for a second home in San Diego
    ・ If you are buying property in San Diego and looking for a manager
    First time home buyers
    ・ Of course, those looking for their own home

    ＜ Those looking to sell their home ＞
    Many customers result in sales above listing price.
    Customers who are still not sure whether they want to sell or not, please feel free to contact us.
    If you want to know how much your house is worth now, please feel free to contact us.


    Please feel free to contact us ！
    310-525-0615

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