Tuesday, March 5, 2019

Carta de Regalo - Gift Letter.

gift letter is written correspondence explicitly stating that money received from a friend or relative is a gift. Gift letters often come into play when a borrower has received assistance in making a down payment on a new home or other real estate property.

Gift Letter I, ____________________________________, hereby certify that I/We given/will give a gift of $ _____________________ to _________________________, my ______________________________ for the premises located at ______________________________________________________________ on ______________________________. I/We certify that this is a bona fide gift and there is no obligation, expressed or implied, to repay this sum in cash or other services of any kind now or in the future. I/We understand that this gift will require documentation, including proof I/We have given the gift from the account listed below, and proof that the funds have been received by the applicant or the applicant’s attorney prior to settlement. THE LENDER may confirm that the funds came from the account listed below: Name of Depository or other Source: ________________________________________________ Address of Same: ________________________________________________ Account Number: ________________________________________________ I/We Certify that the funds given to the applicant were not made available to the donor from any person or entity with an interest in the sale of the property including the seller, real estate agent, builder, loan officer, or any entity associated with them. _____________________________________ __________________________________ _____________________________________________________________________________________ _____________________________________ __________________________________ NECESSARY DOCUMENTATION FOR ALL LOANS (FANNIE MAE, FREDDIE MAC, FHA, USDA, VA): 1. Verification that gift funds were deposited into applicant’s bank account (bank statement) or attorney trust account (escrow letter) 2. Donor’s bank statement evidencing funds came from donor’s account WE ARE AWARE OF THE FOLLOWING:I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provision of Title 18, United States Code, Section 1014 and Section 1010.



Algunas cartas de regalo tienen que ser firmadas y notariadas (Notary Public) dependiendo de que organismo las pide.

Que es una carta de regalo?
Los fondos que se le entregan a la carta de regalo y certifica que los fondos son un regalo y no hay obligación de pagar en ningún momento.
Carta de regalo:  Dinero del estado que alguien utiliza para el pago inicial o para otros fines provenientes de un amigo o un regalo familiar, sin la creación de ninguna deuda.  La gente envía cartas de regalos a los prestamistas y a las agencias gubernamentales.

Algunas instituciones bancarias exigen la firma legalizada de un documento que indica que la persona que recibe un préstamo declara que ha recibido o recibirá dinero que no tiene que devolver, quien le manda el dinero, para que se usara el dinero y otros detalles para satisfacer el que aprueba los prestamos, bancos, underwriter, etc.

Ejemplo de Carta de Regalo:

Carta de Regalo

Yo, _______________, por la presente certifico lo siguiente:

1. He hecho una donación de $___________ a _______(nombre del que recibe el dinero)

cuya relación conmigo es: __________________(familiar, amigo, etc)

(información del banco donde se origina el envio de dinero)

2. Este regalo se aplicara para cubrir los gastos relacionados con _______________________
(si compra una propiedad, o hace un refinanciamiento, etc., describa y ponga los datos o información).

3. No se espera ni esta implícito ningún reembolso del regalo en forma de efectivo o por servicios futuros del destinatario.

4.  No soy y no tengo una afiliación con el constructor, el desarrollador, el agente de bienes raíces o cualquier otra parte interesada en la transacción (excepto en el caso de un regalo).

_________________________                            ___________
Firma del Donante                                                       Fecha

           Nombre del Donante

                                     Dirección del Donante

   Numero de Teléfono


Si usted ha recibido una petición de algún organismo o agencia para proveer una carta de regalo legalizada, notariada, o si va a otro país, también apostillada, ellos le darán  características adicionales o puntos para incluir en dicha carta. Ejemplos:

Si este depósito importante fue un regalo: 

  • Carta de regalo firmada (que el prestamista puede proporcionar). 
  • Copia del cheque correspondiente al regalo. 
  • Copia del recibo de depósito.

Otros documentos que podría necesitar (si corresponde):
  • Documentación de regalos. Copia de la carta de regalo firmada y comprobante de la transferencia de fondos del donante a su cuenta. Esto podría ser una confirmación de transferencia bancaria o una copia del cheque y comprobante de depósito. Algunos programas de préstamo requieren pruebas de la capacidad del prestatario para otorgar el regalo, que normalmente es una copia del estado de cuenta del donante.
  •  Carta de regalo: Una carta que escribe un miembro de su familia para verificar que le ha dado una cantidad de dinero como donativo y que usted no necesita devolver. Usted puede usar este dinero para pagar una parte de su pago inicial mediante algunos productos hipotecarios.

    Same day Apostille service, servicio de apostilla en California
    California legalization of documents.
    Apostille, apostilla, apostillado, apostillar documentos para el exterior. www.CaliforniaApostille.US
    California Apostille service, English Spanish Translation, Notary Public Signing Agent service Sacramento, Yolo, EL Dorado, Placer counties.

    Ref. http://www.freddiemac.com | https://fembi.com/ | http://www.libertymtgusa.com |
    https://itsyourpad.com/blog1/podcast/ | https://www.investopedia.com |

Monday, March 4, 2019

Sacramento Spanish mobile Notary Signing Agent - Apostille update


National Notary Association membership
Active: Yes
NNA Membership Expiration Date: 3/31/2023
NNA Certified: Yes
Background Screening: Yes

 Notary Rotary profile updated.
Notary Public Carmichael, para servirle...

                                                           California Apostille Service
www.CaliforniaApostille.US   same day Apostille - Apostilla

Notaio S Musetti, atti notarili in campo immobiliare e societario.


An Apostille or an authentication is a document that certifies the authenticity of the signature, seal and position of the official who has executed, issued or certified a copy of a public document. It allows a public document issued in one country to be recognized as valid in another country. Apostilles and authentications are often needed in adoptions, extraditions and certain business transactions.  An apostille is a certification form set out in a treaty called The Hague Convention Abolishing the Requirement of Legalization for Foreign Public Documents (1961).

Wednesday, February 20, 2019

City of Lincoln Escrow.

Keela Clark brings 17 years of experience as an escrow officer to the title and escrow industry. Hired in 2014 by Stewart Title, Keela is a fixture in the Lincoln area of Placer County. Her experience in escrow covers new homes, REO’s, exchanges, and a specialization of refinance and resale business. With Stewart Title being the sole title and escrow provider in the city of Lincoln combined with Keela’s extensive knowledge of escrow and the title industry as a whole, Stewart Title has created a winning formula for her, her staff, and the company.
Furthermore, Keela is vested in her community. A past Planning Commissioner for the city, she currently serves on both oversight committees for Western Placer Unified School District Board Measures A & N, is an Affiliate Member of PCAR, and a member of the Lincoln Chamber of Commerce. Add nine years of management experience to her resume and it is easy to see why Stewart Title has made such a positive impact on the title and escrow industry in the city of Lincoln. Most importantly however for Keela is the pride she takes in her family, having raised three beautiful children and being a proud grandmother.

Wednesday, September 26, 2018

Home Equity

As a Notary Signing Agent you are expose to refinance loans, buyer and seller packages, reverse mortgages, HELOCs, Home Equity Line of Credit; now, what is Home Equity?
Home Equity: Current market value minus liens.
Liens: Is a claim on a residential property for the homeowner's unpaid bills like a mortgage. A lien is a legal document filed through the office of the recorder or court clerk in your county of residence.

As Mr Johnson explains:  Your home equity is an asset that indicates how much of your home has been paid off and is fully owned by you. If you purchased your home outright with cash, lucky you; your equity is simply the total amount of your home’s appraised value. However, most homebuyers have to finance real estate purchases with a mortgage.

In this case, your home equity is simply the market value of your home minus the current balance of your mortgage. Your first stake of equity in your home is your down payment, and your equity increases as you pay down your mortgage loan and/or as your home’s value appreciates.

So you can use that home equity by getting a second mortgage, HELOC or buying a new home.

Want to know the value of your home?
Ask Rick Johnson or watch his short video.

Mortgage Broker/Real Estate Agent/Solution Expert
Village Financial Group, Inc.
NMLS#360614 CaBRE#01711076


Sergio Musetti Notary Public, Apostille, Spanish Translation, Servicio de Apostilla en California

Friday, August 31, 2018

What happens if you don't have a will?

Many times I am asked to notarize a will. In California a Will has to be dated and signed by the testator. ... we do not notarize a Will like some other states do. However, what happens if you do not have a will?  That is part of Estate Planning.   Read this example.

Last week the New York Times reported that Aretha Franklin died at the age of 76 without having a Will or Trust in place. The Queen of Soul left behind an estate valued at nearly $80 million dollars, which number is expected to grow, given her valuable musical works. In light of this revelation, many are wondering, what will happen to her assets?

Who gets her money? Not her grand kids, charities or her unmarried life partner. Although the star’s failure to sign a Will does not mean immediate peril for her estate or loved ones, the lack of proper estate planning will result in unnecessary delay and the loss of millions of dollars. When a person dies without having a valid Will in place, a set of state laws called intestate succession provides that a decedent’s property will pass to his or her direct surviving heirs. In Aretha Franklin’s case, she is survived by her four sons. Accordingly, her estate will likely be equally divided among her sons. However, this distribution scheme may not have been what Ms. Franklin had in mind. For example, at the time of her death, Ms. Franklin was in a long-term relationship; however, she and her partner never married. Under current intestacy laws, in order to inherit from your partner’s estate you must have been legally married at the time of death. Accordingly, it is unlikely that Ms. Franklin’s life partner will receive a share in her estate. Additionally, it is reported that one of her sons may have special needs. If an individual with special needs inherits directly, he or she could lose any aid currently being received and they may be otherwise at risk of harm. The musical icon also had a host of grandkids. By failing to execute a Will or Trust, no provisions can be made for their college or healthcare through her estate.

Without proper planning, children with special needs may be harmed. Estate planning includes planning for those with special needs. Very often, individuals with special needs receive state aid, such as Medicaid, Social Security and even special housing. There are estate planning strategies, i.e., Special Needs Trust planning, one can use to create a legacy for their loved ones that will not jeopardize that individual’s eligibility for extra help. In addition, a Special Needs Trust is administered by a Trustee, whose responsibility it is to secure the assets in the Trust. At times, when people with special needs inherit directly (not through a Trust), they may be at risk of being harmed by those around them.

The lack of proper planning means the estate misses out on efficient tax saving deductions! Aretha Franklin, an American icon, was well known for using her platform and deep pockets to support racial and woman’s equality initiatives. Given that Ms. Franklin neglected to sign a Will or Trust, her estate will not include any legacy distributions to advance any of these charitable causes. The lack of proper estate planning also means that her estate will miss out on crucial tax savings deductions, such as an estate tax deduction for charitable gifts. Presently, the federal estate tax rate stands at 40% for estates that exceed $11.2 million dollars. Luckily, for most Americans estate taxes will not be an issue; however, this is not the case for Aretha Franklin. It is unlikely that the legendary crooner would have wanted nearly half of her estate to be paid over to the tax authorities versus creating a legacy through charitable trusts to support her interests.

The failure to plan could mean the estate’s loss of the superstars’ music rights and digital assets Highly specialized estate planning is required in order to protect the rights of an estate to a deceased artist’s royalties, musical works, and extremely valuable digital content. These rights are all governed by a mix of contract, copyright, and intellectual property law. Ms. Franklin’s failure to execute a Will means that her estate can possibly lose the ability to (1) market her musical works, (2) continue receiving income from the music she left behind, and (3) control how her music is used on a public platform.

  Conclusion – everyone, famous or not, should have their end of life and estate planning affairs in order. Ms. Franklin is not alone when it comes to legendary stars dying without a Will. The same thing occurred to Prince, Kurt Cobain, Jimi Hendrix, Bob Marley and a host of others. Given these stars' impressive careers and undeniable access to legal representation, one would think that their end of life affairs would all be in good order, but sadly, this was not the case. Proper estate planning is important for everyone, famous and non-famous alike. Executing your advance directives lets you decide who should be in control of your affairs, how and to whom your assets should be distributed, and what tax saving incentives your estate can benefit from. For more information, please call our office at (916) 729-1307 or visit our website: www.SacramentoEstatePlans.com

Monday, June 4, 2018

Real Estate Transactions. Seller Closing.

Lourdes Mendoza, Real Estate Agent, Fusion Real Estate Network

"I consider myself extremely fortunate to be doing exactly what I want to do in life. In my case this means working with my family and friends, friends of my friends, and other personal referrals to buy and sell real estate in the greater Sacramento area, as well as in Sutter, Yolo and Yuba Counties. I lived in Marysville until I graduated from Lindhurst H.S. After H.S., I was off to CSU Sacramento where I obtained a B.S. in Communication Studies. Coming from an agricultural, migrant background, my parents did not have the means to pay for my college education so I put myself through school by working in the fields during summer break and then by working as a student assistant. While in college, I experienced my first major success in life. I was able to travel abroad and live in Sweden as an international student for one year. One of the most rewarding experiences! I knew then that anything was possible. I felt very proud to live in a different culture and to be able to adapt so well. The highlight of my year abroad was traveling to St. Petersburg, Russia. I enjoy being a Realtor because I love working closely with individuals and learning about their goals and dreams of home ownership. I am excited to assist individuals in attaining their goal of homeownership. The most important thing to know is, I am professional and I seek education in order to stay current on an ever changing Real Estate market. I would never expect to be given your business because of our relationship, or how we may know each other. However, if you ever have a residential real estate need, I would be extremely honored if you would give me an opportunity to work hard for you to earn your business. Thank you so much for taking the time read a little about me. It is appreciated. "

Zillow | Trulia | Realtor | ActiveRain | NAHREP Board of Directors 

Sergio Musetti, Spanish/Italian National Notary Association Certified Notary Signing Agent.
aSpanishMobileNotary.com | SigningAgent | LinkedIn | Carmichael Mobile Notary |

Thursday, May 17, 2018

Sacramento County Mobile Spanish Notary NNA SigningAgent background update

Background check valid until 2019.
National Notary Association Certified Signing Agent
Sacramento County mobile bilingual Spanish Notary Public
Carmichael 95608 traveling Notary. For loan signings, FHA, conventional, buyer or seller package, purchase, HELOCs, VA, also covers Yolo and Placer counties.

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