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NEW LUNCH ENTRESS
Fettuccini Alfredo 19
Garlic, balil, broccoli, and fet tuccini pasta in cream sauce
Fettuccini Carbonara 20
Garlic, balil, bacon, and fet tuccini pasta in egg yolk cream sauce
Alio E Olio 20
dried tomatoes, roasted garlic, and spinach ser ved in our garlic olive sauce
Mustaccioli
20
Sauteed crumbled Italian sausage, onion, garlic, basil, mushrooms, and Cherr y tomatoes in our zest y marinara sauce over penne pasta
Bolognese 20
Homemade meat sauce ser ved with Spaghet t
Tortellini Pesto 20
Sautéed garlic, onions, herbs and sun-dried tomatoes In a creamy pesto sauce
Fusilli Diavola 20
Sautéed bell peppers, garlic, onions, cherr y tomatoes and herbs, tossed with fusilli pasta in a spicy marinara sauce
Rigatoni Ala Vodka 20
Sautéed bell peppers, garlic, onions and herbs tossed with rigatoni in a vodka sauce
Pesto Gorgonzola 20
Sautéed garlic, onions, mushrooms, cherr y tomatoes and herbs in a creamy pesto sauce tossed with gorgonzola and rigatoni pasta
Chicken Marsala
sauce ser ved with mashed potatoes
Chicken Parmesan
cheese ser ved with angel hair pasta, and marinara sauce Picatta
lemon garlic but ter sauce ser ved with angel hair pasta Champagne
A sautéed chicken breast, mushrooms, in a creamy champagne sauce ser ved with mashed potatoes
Behind in Payments?
Questions About Foreclosure?
Is your house underwater? Are you in preforeclosure? Do you have a NOD or notice of default filed? Is the notice that came form the bank an actual notice of default or just a warning? These are some of the many questions that you may have. If you are feeling overwhelmed ask for help. Open those notices ignoring them will not make them go away. Call the help lines that come with your notices, they can help. Call us it’s what we are here for we can help.
What kind of modification can I expect?
Many more lenders are now offering modifications to homeowners in distress.
Usually the bank will offer to lower your payment by temporarily lowering your interest rate and extending the loan period to 40 years. These are often more of a temporary solution as the banks seldom offers principal reductions and therefore you still have little promise of future equity. Depending on your goals and situation this may be a good option for you. Need
help? Go to www.NACA.com or call 888-302-6222.
What is a “Short Sale”?
A short sale is when the borrower/owner sells a property to a third party during a pre-foreclosure process. It is called a short sale because the owner will sell the property “short” of the balance owed to the lender or the bank.
Can the bank come after my other assets or attach my wages?
California law or SB 458 ensures that once a lender has agreed to accept a short sale payment on a property, all lien holders — those in first position and in junior positions — will consider the outstanding balance as paid in full and the homeowner will not be held responsible for any additional payments on the property.
What about income tax and the IRS?
Act now! If you are a homeowner whose mortgage debt is partly or entirely forgiven the deadline has been extended until December 31,2025, you may be able to claim special tax relief and exclude the debt forgiven from your income. There is no guarantee that this will be extended. For more info visit: http://www.irs.gov/
What about scams?
Be cautious of scams. Never pay an upfront fee these are illegal. Do not sign your
deed over to anyone or make a payment to anyone other than your mortgage servicer without seeking your servicer’s approval directly.
If you have tried to modify your loan and have been unsuccessful and you are thinking of walking away from your house, it’s time to get the facts, we may be able to help you. Even if you have stopped making mortgage payments and have gotten a notice of default, it is not too late. We can give you a comparison on your options to a Foreclosure. Get an action plan.
Loan modification, Short Sale or Strategic Default Which one is right for you?
Call today and speak with an experienced Short Sale agent to discuss and compare your options. Take control of your situation and start the New Year fresh. Remember to always seek legal and tax advice before making any decisions and if you have any questions or need more information please call, and let me help you make the best real estate decisions.
Patrick McCarran is a local Realtor and Broker. Call/text 925-899-5536 • pmccarran@yahoo.com • CallPatrick.com Independently owned and operated. Equal Housing Opportunity. In association with Realty One Group Elite DRE#0193160.
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