Can I Get a Mortgage Loan with Some Bad Credit History ?

I have held the same Job for 25 years, but I have some negative payment history. Can I still purchase a home in the South Bay.

  • Employment status or employment history has nothing to do with your credit score, but some lenders may review it to determine if you are stable enough to repay a loan.
  • Your income has nothing to do with credit scores. Your savings has nothing to do with your FICO’s credit scoring equation. However, some lenders may consider these factors to determine the likelihood that you will default on a loan.
  • I cannot get a loan due to poor credit. This is not true. There are many lenders who give loans for bad credit but charge high interest rates.
  • Bad Credit never goes away. With sound debt-management practices, the negative marks will eventually vanish. Late payments, bankruptcies, foreclosures and collections typically remain on your credit report for seven years. (The exceptions are Chapter 7 bankruptcies and tax liens, which remain for 10 years and indefinitely, respectively.)
  • All Credit scores are created equal. Each of the three major credit bureaus produces a FICO score based on the information it has about your credit history.
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South Bay Pride: The Grand Prix

Curtesy Stephen Carr/DaIly Breeze Staff Photographer

Courtesy Stephen Carr/Daily Breeze Staff Photographer

Whether you are a Racing Car  race fan or not,  the  Excitement is in the air as the 40th  annual Long Beach Grand Prix has arrived.

  • Gates open at 7 a.m. on Friday, Saturday and Sunday, April 13.
  • Tickets starts from $28 for a Friday general admission to $135 for a three-day pass that includes reserved seating in grandstand upper levels on Saturday and Sunday.
  • This is so much more than just the races themselves. You will find exhibits, awards and destinations all over the venue. Worth traveling to for  a family day or even a weekend of fun and adventure.



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South Torrance, Ca 90505

HIghly Rated South Torrance High School

HIghly Rated South Torrance High School

South Torrance  located in the South west end of Torrance… West of Crenshaw to the Redondo Beach border, Sepulveda Bl south to the Palos Verdes border.

South Torrance … zip code 90505 includes several well-established neighborhoods … Walteria, Southwood, SouthEast Torrance West, South Torrance, Seaside Ranchos, Hollywood Riviera.  Presently, there are 21 single family homes on the market in this zip code.  South Torrance home prices are from $625,000 to $1,725,000; average sqft approximately 2000 sqft on approximately 7400 sft land.

How has the March 2014 market been doing in 90505?

Check out the Market Value in South Torrance, Ca 90505

Check out the Market Value in South Torrance, Ca 90505

Click here to find out how your South Torrance neighborhood is doing.

How may I help your South Torrance purchase this Spring? Let me know what you are looking for in your South Bay Properties Home Search.


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A Little South Bay History

With mention of Huell Howser this week in the Daily Breeze , a local little known videographer, Jerry Miles came to mind. He really is our very own local Video Historian.
Although Jerry  has lived out of this area for all of his adult life,  it is apparent that the South Bay left an indelible mark on his heart and soul. He has used his gift of videographer to capture his memories (and others) on video. Thank You Jerry, this is much needed in this day and time,  now we have our history in Photos.
Go to for a taste. There is a large drop down menu of choices. Then click on You tube on the lower right for more.  Jerry Miles to finds more.

Everything is here from shots of our South Bay cities way back in the day to the Beach Boys to Northrop’s Flying Wing. Jerry has them  all, so stop, slow down and ENJOY. Here is one of them.

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Costco to Build New Store

Chuck Bennett —Daily Breeze Staff Photographer

Chuck Bennett —Daily Breeze Staff Photographer

According to Nick Green, of the Daily Breeze, another big change in the wind. Costco has filed an application with the city to build a larger store with more parking. This will be built on the 23-acre parcel on Lomita Boulevard adjacent to its current location. The new store would total 161,500 square feet on 17.5 acres. The current store is 148,000-square-foot store and features 761spaces compared to the new store which will offer 874 parking spaces for the shoppers convenience.

The other interesting part of this story is that Home Depot
located in the Crossroads Shopping center is considering moving in to the old Costco once the new structure and the Costco move in complete which is across the street for Lowes.

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Facelift for Peninsula Center in Rolling Hills Estates

Just announced this week, Rolling Hills Estates will do a $12 million remodel to the aging Peninsula Center strip mall.

The Rolling Hills Estates Planning Committee has approved the $12 million Peninsula Center remodel shown in this artist’s rendition.

As reported by Nick Gree, of the Daily Breeze, “The improvements will take place over the next year,” said Niki Wetzel, principal planner for Rolling Hills Estates, in the wake of Monday’s tentative approval of the project by the Planning Commission. The panel will formally sign off next month on what is the first significant improvement to the landmark mall in about two decades.

The work will see the addition of three new outlying pad buildings and revamp two others that currently exist, resulting in the addition of about 24,400 square feet of additional retail space to the 294,000-square-foot mall, Wetzel said.

In addition, a pedestrian colonnade is slated for removal so that there is improved vehicular access linking the northerly and central portions of the mall on the 25-acre site at the intersection of Hawthorne Boulevard and Silver Spur Road. Sidewalks will flank the 24-foot-wide road

The facade of the mall, which dates to the mid-1950s, will also receive an overhaul, as will the landscaping. ”

 My favorite store – SteinMart – left several years ago :-)  Maybe they will come back?

But if you are looking for great tasting baked goods .. Meyer’s Bakery is still providing

meyer's bakeryawesome sweets!

What’s your favorite store or restaurant as Peninsula Center in Rolling Hills Estates?

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I Am Thinking of Remodeling My Mid Century Torrance Home. Where Do I Start?

Ask these questions:

  • Why am I remodeling?
  • How much do I want to spend?
  • Is the remodeling for my pleasure or to upgrade for reselling?
  1. Make out a budget following these guidelines:
    On a $400,000 Home, You will want to cap at $60,000 for remodeling using the following percentages.

    1. Finished attic account for 10-15%
    2. ½ bath= 5%, bathrooms,
    3. Full bath: 5-10%
    4. Kitchen 10-15% of the property value.
Photo courtesy of DIY Network

Photo courtesy of DIY Network

Once you have devised a budget, interview General contractors, asking for copies of their licenses and insurances, including workman’s comp. Make your choice, sign the contract and you are on your way to a beautiful like new Torrance home.

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Wiseburn High School Building Begins.

The transformation of the Northrop Grumman facility to the brand new Wiseburn High School in El Segundo has begun.  wiseburnhigh school rendering
By the time the project is complete it will house the new Wiseburn High School and the three DeVinci Chater Schools that are currently in the Wiseburn school facilities. This is the first school being developed in the South Bay in 50 years.
This is rather an innovative concept. The Wiseburn High School and the DeVinci schools will share the building and certain facilities while remaining independent. But will consolidate  activities such as sports, band etc.

This is a great opportunity to students and parents attending the Wiseburn School District!



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Stuffed Animal Collection in honor of Kelsey Potts

KELSEYThis Saturday March 14, Kelsey Faith Potts of San Pedro, who would have turned 14. Tragically Kelsey died last fall from complications caused by a respiratory virus.

She will be remembered tomorrow by family and friends this weekend as they take up a collection of stuffed animals in her honor for the organization Stuffed Animals for Emergencies (SAFE).BUNNY

You may take your donations near the southwest corner of Averill Park in San Pedro (at 14th and Dodson streets) from noon to 3 p.m. Sunday.

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St Patrick’s Day 2014 in the South Bay & Long Beach

Good blessings to you and yours for this St Patrick’s Day Weekend.  There are several events in the South Bay and Long Beach that you might attend.
Don’t forget … WEAR GREEN …  or you could get PINCHED!

This is the fourth year in a row that the Annual Hermosa Beach St. Patrick’s Day Parade will be put on by the Hermosa Beach Chamber of Commerce. The parade commences at 11:00 a.m. and is always packed full with a diverse array of participants aggregated from South Bay businesses, individuals, schools, and civic organizations. Girl Scout troops, DeLoreans (cars first built in N. Ireland), bagpipers, school bands, city officials, and a dancing Bud Light group usually choreographed with dolly carts and empty beer cases continuously make the Hermosa Beach St. Patrick’s Day Parade an eclectically charming, community event.
The Saint Patrick’s Day 5K commences Sunday, March 16th, starting at 8 a.m. in Rivera Village, Redondo Beach.  Prices to enter include an early entry fee of $30 by March 8, 2014, and $35 after March 8, 2014. For the Kid’s Dash, the entry fee is $25 by 3/8/14 and $30 after 3/8/14. All participants will receive a Saint Patrick’s Day Run T-shirt.

shamrock-n-roll_s165x110On Saturday, March 15, head to The Queen Mary for festive fun at the Shamrock ‘N’ Roll. This “St. Practice Day” celebration has everything you need for a rockin’ time. Honor the revelry and tradition of the Emerald Isle with Celtic rock and Irish party tunes, raise a mug full of green beer, challenge your friends in pub games, and dine on traditional Irish grub available for purchase like corned beef and cabbage sliders, bangers and mash, and much more. Tickets cost only 15 BUCKS! 7PM-1AM

“A Man of No Importance”               

Man of No Importance

Man of No Importance

Torrance Theatre Co presents this wonderful story about Alfie Byrne, a bus conductor in 1964 Dublin, whose heart holds secrets he can’t share with anyone but his imagined confidante, Oscar Wilde.

Downtown Torrance – 1316 Cabrillo Ave, Torrance 90501

Call / Text for Reservations: 424/243-6882 – Mar 14 thur Apri 12


St Patrick’s Day Party at Long Beach Pops!

Sat, March 15 at 8pm — Long Beach Convention Center

Founding member of "The Irish Tenors"

Founding member of “The Irish Tenors”

Founding member, of the worldwide sensation, “The Irish Tenors”, Ronan Tynan’s rich vocals will set the stage for an evening of joy and inspiration.



Have fun this weekend!!

Posted in a-Hermosa Beach, a-Long Beach, Holidays, Queen Mary, St Patrick's Day, Torrance Theatre Co | Tagged , , , , , , | Comments Off