Mortgage Loan Originator | Real Estate Agent - Spanish.

Hablo Español

“Always to do what’s right for the client” is my mantra and my commitment to you. I take pride in providing you with a remarkable experience, earning your confidence and trust, and going above and beyond your expectations.

With over 15 years of experience and having closed hundreds of loans, I understand how to help you with your loan needs, whether you’re looking to purchase a home, refinance your loan, consolidate debt, or take cash out. I am rewarded every time I help people achieve their goals and dreams.

You are unique, every situation is different, and I am dedicated to making sure that all of your needs are achieved. I will work closely with you, understand your situation, and give you options so you can make an informed decision.  I truly love what I do every day, and  realize how fortunate I am to be helping individuals and families realize their dream of home ownership.

Most of my business is referred to me by past clients, business associates, and friends.  I welcome you as my client and promise you will receive a service level not offered anywhere else. My ultimate goal is to create a lasting relationship with you so that I can continue providing excellent service for many years to come!

In my spare time, I enjoy spending time with my two children and husband; I love to Zumba, dance and explore the outside world.

Yvette Garay Mortgage Loan Originator
Cell: (916) 919-7889 (Text me!) 
Fax: (916) 724-5137
 http://www.yvettegaray.com/
Licensed - NMLS # 248317
Location: Roseville Branch

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About Me Lyon Real Estate Roseville Office

EXPERIENCE

With the kind of know-how that comes from over many years of successfully sale experience, Claudia can handle the most complicated real estate transaction. Combined with her insight into the Sacramento and Placer Counties, Claudia has become our local expert at putting together smooth, trouble-free transactions-and lots of them!

COMMITMENT

To do an even job for her clients and to stay ahead in a very competitive field, Claudia continues to attend real estate seminars and classes. She is an exclusive Accredited Buyer's Representative. Only 64 agents in the greater Sacramento area are in possession of this exclusive designation. She is bilingual in Spanish, and understands her clients needs, better than anyone, when comes to language barriers. She is also a Quality Service Certified agent, which means that her clients' priorities come first and her service is first class.

HARD WORK

Claudia is a dynamic, working full-time at her profession. Clients can always reach her easily and can count on a quick, helpful response, no matter how busy she is.

ENTHUSIASTIC

You'd be hard-pressed to find a Realtor with a more enthusiastic or positive attitude. Claudia love what she does...and it shows!

INTEGRITY

"People trust me with their single largest asset. It's a responsibility I take very seriously. I give 110% because I know that their success is ultimately my success."

RESULTS

Claudia is consistently a best-seller here in the area. While past results may not be the only measure of success, when it comes to sell or to buy your home, can you think of anything else to go by?

Member of the National Association of Realtors, California Association of Realtors,Placer County Association of Realtors, Real Estate Buyer's Council, Multiple Listing Service (MLS).

AWARDS AND HONORS

Member of the Master's Club. Senior Executive Associate with Lyon Quality Service Certified Top 1% Countywide in production

TESTIMONIALS

" I am very grateful that I met Claudia and I will never use any other Realtor again. She is one of a kind!...Cheri Decena

"Claudia has been a pleasure to work with and has always been extremely helpful as well as timely in her practice as a Real Estate consultant:...Mark Isackson

"Claudia went well beyond her duties in order to get our transaction resolved to our satisfaction. She is a great professional that gets things done"...Nim Alvarado

"She was very helpful over email and phone demonstrated by her quick responses to questions as well as the various odd times of the day that she would write. I knew I had a Realtor who worked hard for her client"...Justin Nelson

"Very knowledgeable and kind"...S.Arreola

Claudia Vyhmeister 

Direct: (916) 765-9730     Fax: (916) 865-3075     DRE# 01393964     www.seeclaudia4homes.com

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www.aSpanishMobilenotary.com  |  www.CaliforniaApostille.US

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Canada Notaries

To find a Notary Public in Canada:
Canlaw where you can specify an area.

Yellow Pages, but you will find a list of notaries in Canada, nationwide unless you specify a location like Montreal, Quebec.

British Columbia, BC Notaries. Notaries in BC put a high priority on service to their local communities. Over one third are involved in fundraising and social service, over one third in business associations, and more than 30 percent are active in youth sports and recreation.

For Quebec find a Notary Public (Professional Association Quebec notaries in French).

Need a Notary in Canada?  Things to consider.

Canada Notary and Apostille service.



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California Apostille - Sacramento Spanish Mobile Notary Public - California Mobile Notary Network

Sacramento Estate Planning - Chronically Ill

There are certain considerations that should be kept in mind for those with chronic illnesses.   Before addressing this issue, there should be some clarification as to the definition of "chronically ill." There are at least two definitions of chronically ill. The first is likely the most common meaning, which is an illness that a person may live with for many years. Diseases such as diabetes, cardiovascular disease, lupus, multiple sclerosis, hepatitis C and asthma are some of the more familiar chronic illnesses. Contrast that with a legal definition of chronic illness which usually means that the person is unable to perform at least two activities of daily living such as eating, toileting, transferring, bathing and dressing, or requires considerable supervision to protect from crisis relating to health and safety due to severe impairment concerning mind, or having a level of disability similar to that determined by the Social Security Administration for disability benefits. Having said all of that, the estate planning such a person may undertake will likely be similar to that of a healthy person, but there will likely be a higher sense of urgency and it will be much more "real" and less "hypothetical."



Most healthy individuals view the estate planning they establish as not having any applicability for years, perhaps even decades. Whereas a chronically ill person more acutely appreciates that the planning he or she does will have real consequences in his or her life and the life of loved ones. Some of the most important planning will center around who the person appoints as his or her health care decision maker and also who is appointed to handle financial affairs. a will and/or revocable living trust will play a central role in the person's planning as well.  Care should also be taken to address possible Medicaid planning benefits.  A consultation with an estate planning and elder law attorney is critical to ensuring all necessary planning steps are contemplated and eventually implemented. 

Sacramento Spanish Real Estate agent Karla Trejo

Karla Trejo, Realtor. North American Real Estate and Mortgage. 5727 145h Ave, Sacramento CA 95820. Tel 916-475-2910

Whether you're looking to buy or sell a home, give yourself the advantage of working with a licensed Real Estate Broker or Agent who belongs to the MetroList Multiple Listing Service. MetroList® is the largest MLS in Northern California, with an inventory of thousands of homes for sale. Its vast scope works to provide sellers with the maximum sale price possible and buyers with the most value for their money

Jul 18, 2015

Purchase loans - Successful signings

Home owners Luis and Miriam, Realtor Karla Trejo, Notary Public Sergio Musetti

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Sergio Musetti, Sacramento Spanish Mobile Notary Public Signing Agent,  Apostille service in California, Spanish English Translation, servicio de Apostilla,

Medicare and Post-Hospital Coverage

Medicare and Post-Hospital Coverage                                                      
                  

There is an increasing trend to admit Medicare beneficiaries to hospitals for "observation" as outpatients, rather than admitting them as regular "inpatient" hospital patients.

This practice may prevent patients from obtaining coverage for post-hospital care under Medicare.  Since many individuals rely on Medicare as their primary health insurance coverage, this practice can have serious impact on these patients who may need post-hospital rehabilitation or other post-hospital care.

A Medicare beneficiary who is admitted on an "inpatient" basis to a hospital for at least three nights is normally entitled to limited Medicare benefits post-discharge for skilled care in a rehabilitation center or nursing home.  Part A of Medicare will cover nursing home rehab or skilled care at 100% for the first 20 days, and then all but a co-pay of about $158.00 per day up to another 80 days.  However, this benefit is only available after an "inpatient" hospital stay for the required three nights.

 An example of how this can be devastating to a Medicare patient is:  patient breaks an ankle and is in the hospital for 1 day, and then is transferred for rehab to another facility.  Because the patient did not spend "three nights" in the hospital, Medicare will not pay anything towards the post-hospital rehabilitation costs.

 What is causing this increased use of observation-outpatient classification by hospitals?  It appears that the auditing procedures established by Medicare in 2010 to detect and prevent Medicare fraud are the driving force behind the upswing in outpatient classifications.

These audits are conducted by private contractors who are paid based upon the Medicare reimbursements to hospitals that the contractors identified as being unnecessary and required the hospitals to pay back to Medicare.

 ??My thanks to Linnea J. Levine, a Certified Elder Law Attorney? in Westport, Connecticut for the information contained in this article.

Law Office of Joan Medeiros 

2377 Gold Meadow Way, Ste 100, 

Gold River, California 95670  

Tel 716-729-1307

www.SacramentoEstatePlans.com

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Sacramento Estate Planning, 

Estate Planning for High Net Worth Individuals, 

Asset Protection, 

Planning for Children, 

Special Needs Planning,

Probate Estate Administration, 

Elder Law / Medi-Cal Asset ProtectionPlanning, 

Wills and Trusts, 

Probate Cost Calculator

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Notary in Sacramento

Notary public Sacramento.  To find (notary Sacramento) type public notary Sacramento in Google, Bing, Yahoo or other search engine.  If you need a
mobile notary to come to your location you may type mobile notary Sacramento.
If you need a notary in Sacramento you can also check the Secretary of State. They have a list of all the California notaries.
Other ways to find a Sacramento notary is with notary databases.  They may list notaries by expertise, languages, zip code or location, memberships and other
items found in a Notary profile.


Sergio Musetti, Sacramento notary public, provide notary services in Sacramento county, Yolo county, Placer county.
When you find a notary public in sacramento you can also check how many years of experience, expertise in certain areas: general
notarization, specialized like loans, as a Notary Signing agent, notarizing loan packages like refinance, purchase, seller package, buyer package, HELOC,
reverse mortgages.
If you are interested in a specific language, besides writing notary public Sacramento ca, you can also add a specific language for best results. For example, Spanish Notary in Sacramento.
notary sacrament ca,notary public in Sacramento ca,


A Sacramento mobile Notary should be able to tell you cost and availability. You can schedule a Notary in advance.

Sergio Musetti,  Notary in Sacramento CA, and Apostille service. Tel 916-550-0007