Sailing into underwriting In the mortgage process, lenders have lots of questions. Before anyone makes a commitment to own your loan for 30 years, they want to fully understand your situation. Much of this responsibility falls on the shoulders of a detail-oriented individual called an underwriter. Our loan officers work hard to understand your full situation in order to present a complete picture to the underwriter. This helps to quickly identify anything else needed to approve your loan. To honor you and your time, our team works to always present a complete package to the underwriter of your loan and to do this early, rather later in the process. For example, during the last downturn, many people found out at the worst time they were in mortgages they could not afford. We offer many mortgage products, but consider us more like a dating service…by getting to know you we will be better equipped to find your perfect mortgage match! Clear communication for a seamless process Boiled down to its most essential form, the mortgage process is about communication.

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The network has also been added to the subchannels of Fox-owned MyNetworkTV stations in five other markets: Buzzr , a new digital multicast network focusing on classic game shows, which is a joint venture of Fremantle Media most notably, the owners of the Mark Goodson and Reg Grundy libraries among others and KCOP’s parent company, Fox Television Stations, debuted on channel Analog-to-digital conversion[ edit ] KCOP-TV shut down its analog signal, over VHF channel 13, on June 12, , as part of the federally mandated transition from analog to digital television.

Sports coverage[ edit ] Channel 13 served as the broadcast home of the Los Angeles Marathon from its inception in to , the NBA ‘s Los Angeles Clippers from to and currently since , [28] and the Los Angeles Dodgers from to and two Los Angeles Chargers games in

Deputies Shoot, Kill Homicide Suspect Near Camp Fire Evacuation ZoneA high-speed chase of a suspect wanted in a double homicide ended in a fatal officer-involved shooting near the .

The event is the largest wine and food tasting produced by the Sta. Tickets are available online at www. Buy early, as the event always sells out. Full list of participants below. Each winemaking team will spend approximately 10 minutes with a table of eight to 10 guests and will pour up to two wines. The winemakers will discuss vineyard sources and open up the conversation for a round-table discussion, said Barbara Satterfield, longtime executive director of the SRHWGA.

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The city of Santa Barbara is getting into the pop-up shop business. Retail and restaurant entrepreneurs looking for a short-term storefront space in downtown Santa Barbara engaged in a speed dating-style event Wednesday that paired businesses to property owners and brokers. Entrepreneurs had four minutes to share their ideas and ask questions, and storefront space were not guaranteed at the event.

Santa Barbra rolled out the initiative to encourage the short-term retail pop-ups downtown, where businesses forego building improvements and alterations, saving money and time in construction costs, and there is no building permitting requirements, said Nina Johnson with the city, who is spearheading many of the downtown initiatives.

The Santa Barbara Zoo provides open, naturalistic habitats to more than animals from species of reptiles, mammals, birds, and insects. The zoo is located on thirty acres of lush botanic gardens that feature many native plants, ornamentals, trees, cacti, succulents, and exotic species.

Meteorology[ edit ] The National Weather Service defines Santa Ana winds as “Strong down slope winds that blow through the mountain passes in southern California. The Santa Anas are katabatic winds —Greek for “flowing downhill”, arising in higher altitudes and blowing down towards sea level. Any low-pressure area over the Pacific Ocean, off the coast of California, can change the stability of the Great Basin High, causing a pressure gradient that turns the synoptic scale winds southward down the eastern side of the Sierra Nevada and into the Southern California region.

This cool, dry airmass sweeps across the deserts of eastern California toward the coast, and encounters the towering Transverse Ranges , which separate coastal Southern California from the deserts. The airmass, flowing from high pressure in the Great Basin to a low pressure center off the coast, takes the path of least resistance by channeling through the mountain passes to the lower coastal elevations, as the low pressure area off the coast pulls the airmass offshore.

The air has already been dried by orographic lift before reaching the Great Basin, as well as by subsidence from the upper atmosphere, so this additional warming often causes relative humidity to fall below 10 percent. During Santa Ana conditions it is typically hotter along the coast than in the deserts, [8] with the Southern California coastal region reaching some of its highest annual temperatures in autumn rather than summer.

These result from precipitation on the windward side of a mountain range which releases latent heat into the atmosphere which is then warmer on the leeward side e. If the Santa Anas are strong, the usual day-time sea breeze may not arise, or develop weak later in the day because the strong offshore desert winds oppose the on-shore sea breeze.

At night, the Santa Ana Winds merge with the land breeze blowing from land to sea and strengthen because the inland desert cools more than the ocean due to differences in the heat capacity and because there is no competing sea breeze. Santa Ana winds often bring the lowest relative humidities of the year to coastal Southern California.

These low humidities, combined with the warm, compressionally-heated airmass, plus the high wind speeds, create critical fire weather conditions. The combination of wind, heat, and dryness accompanying the Santa Ana winds turns the chaparral into explosive fuel feeding the infamous wildfires for which the region is known. Wildfires fanned by Santa Ana winds burned , acres 2,

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Palm Springs and Mid-Century Modernism Mid-century modern room As early as the s, the Coachella Valley, and particularly Palm Springs, became known for the dry clear climate and mild warm winters which were so helpful to those recuperating from serious respiratory conditions. Wealthy people from all over the country, wishing to escape the winter snows and cold, soon began to value the area for relaxation and fun and as a place to enjoy the stark beauty and contrast of the scenic wonders the desert offered.

Soon the area became a get-away playground for the Hollywood elite and the stars created their own burgeoning movie colony here in the desert. The stars could stroll down the main streets and enjoy themselves in the restaurants and watering holes in relative comfort confident in being fairly anonymous. Because these homes were not the primary residences of the occupants, the owners felt that they had more freedom to take architectural risks in the designs.

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Hide Sep 2 Saturday 10am, Fullerton: Join us to go door-to-door talking to our neighbors about SB , legislation that would establish a universal healthcare system in the state. We can’t wait until the next election to start organizing in our community – we need to go door-to-door now! We’ll start with a training and end with a debrief of our experience knocking on doors and talking to voters. Dress for the weather, wear your walking shoes, and bring snacks and water.

We’re going to have a lot of fun, get to know each other and our neighbors, and start to do the work in order to expand healthcare to all. Sep 2 Saturday 10am, Irvine: Democrats of Greater Irvine Neighborhood Organizing 58 Costero Aisle We are reaching out to fellow Democratic voters in the Irvine community to organize and engage them in Democratic politics.

To flip Irvine blue in and beyond, we need to activate as many Democratic voters as possible, and every Saturday is an opportunity for you to join DGI Neighborhood Organizers and canvass neigborhoods in Irvine. Please join us this weekend. Please park in the uncovered areas. Sep 2 Saturday 11am-1pm, Santa Ana: Also please note that some details are still being worked out and the date is subject to change.

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For many, fire remains a fearsome, destructive force that can and should be controlled at all costs. Smokey Bear’s simple, time-honored “only you” fire prevention message has been so successful that any complex talk about the healthy, natural role of fire gets lost, ignored or denied by broad internal and external audiences. Although the message of this title may falsely incriminate Smokey Bear for the current pyrotechnic state of America’s wildlands, it does imply an important fact; our wildland vegetation burns.

It burns periodically, and must burn in order to survive.

Honolulu Singles Lock And Key Dating Events – The fun interactive ice breaker dating party for singles where men get keys, women get locks. Everyone interacts while trying to unlock to win prizes.

Hollywood stars and top athletes live in oceanfront homes here, under an elegant veil of privacy on long strands of beach, and enjoy front-row seats for surfing and unforgettable sunsets. While it may sound exclusive, there is plenty of Malibu magic for visitors to access too. The perfect aesthetics stretch beyond the beach, too.

The Getty Villa —the original home of the Getty Museum, which opened in —focuses on Ancient Greek and Roman Art admission is free, but you need to make a reservation. And for wearable art—and perhaps to spot one of the local celebs—browse the shops at the Malibu Country Mart and Malibu Lumber Yard , two upscale retail centers located next to one another.

Or browse the fresh catches—and try one of the famed ahi burgers—at Malibu Seafood , right across from Dan Blocker Beach. Tough as it is to drag yourself away from the ocean, head inland a short distance and you can also hike through hills and canyons, filled with spring wildflowers and even waterfalls, on trails in Santa Monica Mountains National Recreation Area.

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Search 25 Best Things to Do in Santa Barbara, California Santa Barbara is a beautiful coastal town and a popular weekend destination in Southern California, known for its excellent beaches, restaurants and romantic Pacific Ocean views. Take a helicopter tour, explore the wine country with a knowledgeable guide, see the magnificent Redwood Forest at the Santa Barbara Botanic Garden, and walk on Stearns Wharf which dates back to If you are looking for romantic things to do in Santa Barbara, CA in the evening, visit the historic Lobero Theatre where you can watch ballet, chamber orchestra, jazz and other performances.

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Search 25 Best Things to Do in Santa Barbara, California Top vacation ideas in Santa Barbara include relaxing on sandy beaches, visiting great museums and exploring stunning gardens. Originally the Santa Barbara Post Office, the building was renovated and now contains 60, square feet for art exhibits as well as an auditorium, a library, a museum store, and a cafe.

The museum focuses on education with its 40 programs and presents lectures, performances, and seminars, and is one of the top Santa Barbara attractions. The acre property features spectacular collections of exotic plants that Madam Walska collected and tended during her life. Her friends and admirers have also donated some of the collections. The whimsical tone of the garden reflects her taste for the dramatic and the unexpected.

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Santa Barbara is a one-of-a-kind vacation destination, especially with the kiddos in tow. From interactive museums to endless beach days , there are countless ways to keep everyone, at every age, entertained. Santa Barbara has a number of wallet-friendly hotel options, perfect for both big and small families. With five different lodging options from Santa Barbara Hotel Group , choose between hotels right on State Street, close to the train station or a short walk to the beach — the options are endless.

One of our personal favorites, Brisas Del Mar , is only a five-minute walk to the waterfront. This Mediterranean-style staple of SB features a heated pool, scenic views and continental breakfast, all under a classic, old-world ambiance. As an added bonus, Brisas Del Mar also offers a wine and cheese reception each afternoon, plus milk and cookies in the evening. Order a jumbo breakfast burrito filled with everything you need to kick-start your morning.

Try adding avocado and tater tots! Highlights include the Point Conception Lighthouse Fresnel Lens, which stood watch for about years. For a deeper exploration of marine life, booking a whale watching trip with Condor Express is an absolute must. Aboard Condor Express, choose to view the Pacific Ocean from scenic outdoor decks, or opt for indoor seating, enjoyable during any weather condition. When you return to shore, take in the Santa Barbara scenery as you walk along the waterfront towards State Street.

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I am a senior majoring in psychological and brain sciences and minoring in educational studies. Throughout my undergraduate years at UCSB, I have served various roles within the Division of Student Affairs and have been very fortunate to have held a variety of positions across campus. For the academic years of and , I was a peer mentor for Educational Opportunity Program EOP where I worked closely with first-year students.

In this role, I advised and counseled many new students about their academic, financial, or personal needs. The Second Year Experience, where I led and facilitated weekly class discussions and served as a mentor to my students. In addition, for three consecutive summers, from to , I served as a STEP Summer Transitional Enrichment Program resident assistant to incoming first-generation, first-year students.

The Santa Barbara Funding Group difference is best appreciated if you’ve experienced how painful getting a mortgage can be. Our streamlined process is designed to get us to funding fast, efficiently and in a manner that can be compared head to head with any of the best in the industry.

Merchant ships fill San Francisco harbor; c. Guidon of the California Company Company A during the Civil War Depiction of the completion of the first transcontinental railway. The Last Spike by Thomas Hill. Following the Treaty of Guadalupe Hidalgo February 2, that ended the war, the westernmost portion of the annexed Mexican territory of Alta California soon became the American state of California, and the remainder of the old territory was then subdivided into the new American Territories of Arizona , Nevada , Colorado and Utah.

The lightly populated and arid lower region of old Baja California remained as a part of Mexico. In , the total settler population of the western part of the old Alta California had been estimated to be no more than 8, , plus about , Native Americans, down from about , before Hispanic settlement in Soon afterward, a massive influx of immigration into the area resulted, as prospectors and miners arrived by the thousands. By the time of California’s application to the US Congress for statehood in , the settler population of California had multiplied to , By , over , settlers had come.

The seat of government for California under Spanish and later Mexican rule had been located in Monterey from until In , a state Constitutional Convention was first held in Monterey.

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Elliot Oliver Robertson Rodger [60] July 24, — May 23, was confirmed by police to be the sole perpetrator of the killings. His mother is Li Chin Rodger, a Malaysian research assistant for a film company, [63] [64] and his father is British filmmaker Peter Rodger , whose credits include working as a second unit assistant director for The Hunger Games. After his father remarried, he and his second wife Soumaya Akaaboune, a Moroccan actress, had a son together. In his manifesto, he said that he dropped out of all his classes in February He wrote that he had been prescribed risperidone but refused to take it, stating, “After researching this medication, I found that it was the absolute wrong thing for me to take.

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Upon successful registration we will email you a confirmation with the event details. You have nothing to lose. After a successful “match” and quick exchange of e-mails, I asked Theresa to a local concert. Free online dating in Santa Barbara for all ages and ethnicities, includingWhite, and everyone else. In order to ensure equal numbers of men and women at our events, everyone must register in advance.

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