Now It's Easy To Turn Any "As Is" House Into Your Ideal Home!

Home Buyer: Are You Frustrated with Fixer-Uppers?


The GoGreen Lending Hybrid Loan Program is a unique combination of Energy Efficient and Rehab mortgage loans that gives you the purchase money, plus: * Up to $15,000 for Green energy efficient upgrades and kitchen appliances. * Up to $35,000 for cosmetic repairs, home improvements and upgrades. * Substantial energy savings, tax credits and utility rebates


It's the CURE for the Power Hogs and Cosmetic Dogs on the market today!

Home Buyer: Are You Frustrated with Fixer-Uppers?

Now It’s Easy To Turn Any “As Is” House Into Your Ideal Home!

The GoGreen Lending Hybrid Loan Program is a unique combination of Energy Efficient and Rehab mortgage loans that gives you the purchase money, plus:

• Up to $15,000 for Green energy efficient upgrades and kitchen appliances.
• Up to $35,000 for cosmetic repairs, home improvements and upgrades.
• Substantial energy savings, tax credits and utility rebates
• FHA 203k Loans - Energy Efficient Mortgages (EEM Loans) - Solar Panel Loans

It's the CURE for the Power Hogs and Cosmetic Dogs on the market today!

Cardinal Pacific Training: GoGreen Lending Hybrid Loan Program Workshop

Turn any "As Is" property into a Turn-Key SALE!!

1. Convert Inventory that you have passed by in the MLS.
2. Compete with ALL CASH offers.
3. Receive Free Realtor Sales Kit.
4. Turn "As Is" houses into Ideal, Energy Efficient Homes.

Ask Your Realtor!

Whether you’re a Home Buyer or a Home Seller in the New Economy, you’re facing tough challenges. Over 70% of all homes in California are in financial distress, need cosmetic repairs or are not energy efficient. Which means these “As Is” properties are Cosmetic Dogs™ or Power Hogs™!

The Cure for the Cosmetic Dogs™ and Power Hogs™!

Our unique Hybrid Loan Program™ gives home buyers the purchase money, plus up to $50,000 in funding for cosmetic repairs, home improvements and energy upgrades.

If you’re a HOME BUYER, this program can help you:

• Find more homes you like in the neighborhoods you want
• Find the right home for your family faster
• Make the cosmetic repairs, home improvements and energy upgrades you want
• Enjoy up to 30% in energy savings
• Receive many available tax credits and utility rebates*

If you’re a HOME SELLER, this program can help you:

• Address any issues that potential buyers may have with your “As Is” property
• Make it easy for potential buyers to get their wish list of cosmetic repairs, home improvements and energy upgrades
• Pre-qualify buyers for a purchase loan amount INCLUDING the repairs, improvements and upgrades
• Close in as little as 30 to 45 days!

This unique mortgage loan solution provides funding for the home based on the value it will have after the repairs have been made. The cosmetic repairs, home improvements and energy efficient upgrades can be made as soon as you close escrow.

How to Finance “As Is” Properties 203K & Energy Efficient Loans

Cardinal Pacific Training Center

How to Finance “As Is” Properties 203K & Energy Efficient Loans

Convert inventory into ideal homes Show fewer houses saves YOU time The neighborhood, the schools, but not the right house?		Introducing the Go Green Lending Programs to your Home Buyer Qualifies for the purchase, PLUS funds to fix up Website videos Realtor sales kit
Competing with ALL CASH investor offers Retail price offers Buyer paid repairs	Free Realtor Sales Tools Go Green Lending Hybrid Buyer’s Guide Tri-fold Brochures	More Free Realtor Sales Tools C.A.R. Energy Audit Rebates C.A.R. Green Living Tips Resources for Realtors

Whether you’re representing Home Buyers or Home Sellers in the New Economy, you’re facing unique challenges.  Over 70% of all homes in California are in financial distress, need cosmetic repairs or are not energy efficient.  Which means these “As Is” properties are Cosmetic Dogs™ or Power Hogs™!

The Cure for the Cosmetic Dogs™ and Power Hogs™!

We’re the most experienced “As Is” mortgage lender in California … and our unique Hybrid Loan Program™ gives home buyers up to $50,000 in funding for cosmetic repairs, home improvements and energy upgrades.

Top 5 projects to boost home's value for resale

By Teri Cettina • Bankrate.com

1. Upscale siding (new fiber cement) replacement.

Average payback: 103.6 percent of cost
Estimated job cost: $10,393 for 1,250 square feet
National average resale value: $10,771

"Siding makes a huge difference in a house's resale value, because it's one of the first things you see. It really defines the condition of the home," says Moe Veissi of Veissi & Associates Inc., in Miami. "If other houses around you have old aluminum or vinyl siding and your siding is nicer and newer, buyers will notice you. With this project, you make your house more attractive -- you're not just improving your insulation value."

2. Midrange bathroom remodel. This includes updating an average 5-by-7 foot bathroom that's at least 25 years old with moderately priced fixtures, a double-sink vanity, a ceramic-tile floor and vinyl wallpaper.

Average payback: 102.2 percent of cost
Estimated job cost: $10,499
National average resale value: $10,727

"Improving an existing, but outdated, bathroom is almost always a good investment," says Finley Perry of F.H. Perry Builder in Hopkinton, Mass. "An up-to-date bathroom makes your home look like it's been kept in good repair, and that's what all prospective homeowners are looking for."

However, Perry cautions homeowners not to try to personalize their bathrooms too much or spend megabucks trying to turn them into ultimate home spas. "Your home is a valuable asset, and you want to treat it respectfully whenever you remodel," he says.

In other words, think twice about adding a pricey imported soaking tub or three separate shower stalls for your growing family's convenience. Those renovations might not fit the taste of a buyer 10 years down the road. If that happens, the money you spent on your bathroom renovation is down the toilet, so to speak.

3. Minor kitchen remodel. This consists of giving a functional, but dated, kitchen a makeover. It includes new cabinet doors and drawers (with cabinet boxes left in place), a moderately priced wall oven, cooktop, countertop, sink and faucet and resilient flooring.

Average payback: 98.5 percent of cost
Estimated job cost: $14, 913
National average resale value: $14,691

Along with bathrooms, kitchen updates are almost always among the smartest remodeling projects for resale value, say the pros. "Home buyers seem to gravitate to the kitchen first when they're looking at a house," says Joe Traynor, a real estate appraiser in Indianapolis. "And as appraisers, we do give extra credit to houses with updated kitchens.

"However, I've also seen homeowners go too far -- they might put granite countertops and top-of-the-line stainless-steel appliances in a very modestly priced house," he says. "Those improvements aren't going to help the home's value in the long run, and the owner definitely isn't going to get his money back when he sells."

4. Midrange siding replacement. This more modest variation of the No. 1 ranked project (upscale siding) includes replacing 1,250 square feet of siding with new vinyl siding and trim.

Average payback: 95.5 percent of cost
Estimated job cost: $7,239
National average resale value: $6,914

The value of this project is in its immediate curb appeal: New siding cleans up a house quickly. However, Perry points out that vinyl may not be appropriate and could actually detract from a home's value in historic neighborhoods or upscale areas where traditional wood siding is still the preferred material.

5. Attic bedroom remodel. This entails converting unfinished attic space in a two- or three-bedroom house into a finished bedroom and bathroom with shower. It includes a new shed dormer, new windows and closet space in the eaves.

Average payback: 93.5 percent of cost
Estimated job cost: $39,188
National average resale value: $36,649

Because this is a relatively expensive undertaking, real estate experts suggest you do an attic renovation only if you're going to live in the house for a while (preferably five to 10 years) and enjoy the reclaimed space yourself. Over the long haul, this project adds significant value to your home because it creates brand-new living space and isn't just a cosmetic improvement.

Keep in mind, though, that attic remodels don't make sense in every neighborhood and part of the country.

"In Florida, most of the attics aren't big enough to stand up in, so remodeling them wouldn't make sense at all. Plus there's the heat issue -- these rooms would be sweltering hot for us and very expensive to cool," says Viessi, a Miami Realtor.

"This is a good example of a remodeling project that would be wise to discuss in advance with a Realtor who's familiar not just with housing in your area, but in your specific neighborhood," says Viessi. He says good Realtors are always happy to spend time talking with you about the wisest renovation projects for your home -- even if you're not planning to sell your home anytime soon.

Other top resale projects from the Cost vs. Value report ranked by percentage of cost recouped at resale, include:

• an upscale bathroom remodel: 93.2 percent.
• a major kitchen remodel: midrange, 91 percent; upscale: 84.8 percent.
• a deck addition: 90.3 percent.
• basement remodeling: 90.1 percent.
• window replacement: 89.6 percent.
• a bathroom addition: midrange: 86.4 per cent, upscale 85.8 percent.
• roofing replacement: 84.7 percent.
• a family room addition: 83 percent.
• a master suite addition: midrange 82.4 per cent; upscale 80.1 percent.
• a home-office remodel: 72.8 percent.

While a good return on your investment is important in every remodeling project, experts say that the most important factor in your decision should still be whether the project improves the way you live in your home now.

"The fact of remodeling is that you never get your money back instantly," says Perry. "If you're undertaking a project because you're going to stay in your home awhile, and it will enhance your lifestyle, then great -- do it. It's tough to put a price on the happiness many young families get from fixing up their house and truly enjoying it for the next 20 years."

Looking to Re-Finance?

Refinance at a Great Rate, Save Money and Receive Thousands of Dollars!

If you’re ready to turn your current house into an Ideal Home, GoGreen Lending™ has a unique Re-Finance Hybrid Loan Program™ that will save you thousands of dollars and provide all of the funding you need for energy efficient upgrades, cosmetic repairs and home improvements.

Our Re-Finance Hybrid Loan Program™ combines a 
Rehab Loan with an Energy Efficient Mortgage, so it:

• Provides you with thousands of dollars in funding for cosmetic repairs, home improvements & energy upgrade
• Makes it easy for you to get your wish list of cosmetic repairs, home improvements & energy upgrades
• Pre-qualifies you for a loan amount INCLUDING the repairs, improvements & upgrades
• Closes in as little as 30 to 45 days to get started on repairs!

This unique mortgage loan solution provides funding for the home based on the value it will have after the repairs have been made.  The cosmetic repairs, home improvements and energy efficient upgrades can be made as soon as you close escrow.  Once you’ve made the energy efficient upgrades, you’ll save money each month on your utility bills.

The Energy Upgrade California Program for Home Owners
As a participating lender, we can help you receive thousands of dollars with rebates and incentives, while you upgrade your current home with money-saving energy efficient improvements.  The U.S. Government is allocating $30 million to homeowners in Los Angeles County alone!

Spotlight on 203k Rehab Loans

The Most Experienced “As Is” Mortgage Lender… Offering the Premier Hybrid Energy Efficient / Rehab Loan Program in California!

GoGreen Lending™ is the Green Division of Lighthouse Capital Group and the most experienced “As Is” mortgage lender in California.  We help home buyers, home sellers and home owners solve energy efficient, home improvement and cosmetic property issues with the funding to fix them.

Lighthouse Capital Group is a full service lender that has offered exceptional quality personal mortgage lending services in the Southern California area for over 25 years. We have established a reputation as an honest, trustworthy and experienced lending choice for individual clients as well as institutional banks. Our expertise in lending guidelines and understanding of the borrower's needs has enabled us to maintain a solid base of repeat and referral business.

This unique Hybrid Loan Program addresses the needs of 70% of homes in the current market and allows us to help improve quality of life, increase home value, deliver cost savings, rebates and incentives, as well as reduce consumption of natural resources.

FIND OUT MORE June 18th 2012 10am-1130am 

Register on Eventbrite today!

Contractors: Turn ANY As Is Properties into Turn Key Sales!

As a contractor in the New Economy, you’re facing unique challenges that you can turn into great opportunities. Over 70% of all homes in California are in financial distress, need cosmetic repairs or are not energy efficient. Which means these “As Is” properties are Cosmetic Dogs™ or Power Hogs™!

The Cure for the Cosmetic Dogs™ and Power Hogs™!

We’re the most experienced “As Is” mortgage lender in California … and our unique Hybrid Loan Programs™ give you three opportunities to develop new clients.

Get up to $50,000 in funding for cosmetic repairs, home improvements and energy upgrades for home buyers you’re currently working with

• Attract and find new home buyers through GoGreen Lending™
• Close in as little as 30 to 45 days to get started on repairs
• Give your clients up to 30% energy savings + tax credits and utility rebates
• Show potential buyers how to address any issues they may have with the Seller’s “As Is” property
• Make it easy for potential buyers to get their wish list of cosmetic repairs, home improvements and energy upgrades
• Pre-qualify buyers for a loan amount INCLUDING the repairs, improvements and upgrades
• Close in as little as 30 to 45 days to get started on repairs!
• Provides home owners with thousands of dollars in funding for cosmetic repairs, home improvements and energy upgrades.
• Makes it easy for home owners to get their wish list of cosmetic repairs, home improvements and energy upgrades
• Pre-qualifies home owners for a loan amount INCLUDING the repairs, improvements and upgrades
• Closes in as little as 30 to 45 days to get started on repairs!












GoGreen Lending™ is the “Green Division” of Lighthouse Capital Group, a full service lender with over 25 years of experience in the mortgage business. We have the credentials, experience and team of trustworthy Green professionals in place and ready to go.
Call             562.429.5252       or click here to request a meeting with a GoGreen Lending™ mortgage professional, to find our how you can become a part of our Green Team.