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    • Event / Entertainment / Hobby
    • 2024/06/10 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Free Admission] Japan Fair 2024 June 29 ・ 30th （ Sat ・ Sun ）

    ＼ Japan Fair ／

    Japan Fair starts this year ！

    ✨ Date ✨ June 29 ・ 30th （ Saturday ・ Sunday ）

    ✨ Location ✨ Meydenbauer Center
    11100 NE 6th St, Bellevue, WA 98004

    ✅ Booth
    ✅ Marketplace
    ✅ Cultural Experiences
    ✅ Live Music ・ Performances
    ✅ Kids Activities
    ✅ Food Court
    ✅ Free Workshops ・ Seminars
    and more,

    ★ For more details and program, please visit the following website
    https://www.japanfairus.org/

    [Contact us]
    info@japanfairus.org

    ジャパンフェアyoutubeオンライン日本japanfair
    • Introduction / Life / Housing
    • 2024/05/31 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    ＜ Did you know ？ ＞ when you want to buy a house, the first thing you need is the documents from the loan company ！

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ？
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Useful info / Finance / Insurance
    • 2024/05/25 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    How to take advantage of the Reverse Mortgage, a loan program for seniors age 62 and older ？.

    Reverse mortgages are designed specifically for seniors age 62 and older. It lends against the difference ） between the Equity （ of your home （ minus your current mortgage ） if you have one , but unlike a regular loan, you do not have to make monthly payments. The only thing you have to pay is property tax and fire insurance. Even if you are paying off your mortgage, you are still paying these taxes and fire insurance, just like someone without a loan. The loan can be paid off when the house is sold. Until you sell it, you have 100% ownership of the property and it is treated the same as a regular loan. The loan can be modified as many times as you want, just like a regular loan.

    Below are some highlights of how you can take advantage of this.

    #1 You can use it to buy a house. As you get older, it can be intimidating to take on debt, but with a reverse mortgage you only need about half the down payment, depending on your age, and you don't have to use 100% cash. If you sell your current home and downsize, you can still keep half of the Cash on hand.

    #2 When you suddenly need cash, for example, a large sum of money for roof repairs, medical bills, or car repairs, problems happen when you least expect it. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.

    #3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on this reverse mortgage. In addition to Social Security, you can also use a reverse mortgage to generate, for example, ＄ 1000 extra income each month. （ Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. ）

    Even if you have a loan on your home now, you can convert it to a reverse mortgage. Also, since the income is not paying off the loan, you will only be considered to be able to pay property taxes, fire insurance, and Home Owners Due （ ） if any. We would be happy to help you live a long and meaningful life. Please do not hesitate to contact us （ free of charge ） to discuss any concerns you may have about your own or your parents' retirement.



    There are many questions about loans.
    If you are in such a case, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Introduction / Life / Housing
    • 2024/05/24 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who want to pay off their loans quickly ！. A Savings Plan to Avoid Regrets in Retirement

    Many people see a loan as a debt and want to pay it off as quickly as possible ！. However, if you put off saving and only put money toward repayment, you may find yourself in a difficult situation when you retire.

    ■ Home values increase every year
    Across the U.S., home prices are expected to increase by an average of about 4% per year. The figure is only 4%, but since home prices are large in value, a 4% increase is a significant amount of money. In this way, it can be said that the price of a house rises by itself just by living in it.

    ■ Do you have a retirement savings plan ？
    Japanese people are very serious and many of them want to pay off their loans as soon as possible.
    However, if all the money that should be saved for retirement were to be used to pay off loans, you would end up living on your pension alone. While it is important to repay loans, it is equally important to save for a comfortable life in retirement. The key point here is what I mentioned earlier: "The value of a house increases by 4% per year. Since the value of a house increases just by living in it, one of your options is to increase your savings through investments and 401K while you are still working, and pay off your loan at a reasonable pace.
    That being said, there are many things about loans that are not clear.
    In such a case, please leave it to us, Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use "Send Message" below to If you cannot answer the phone, please contact us by clicking the "Send message" button below.

    • Useful info / Finance / Insurance
    • 2024/05/24 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must See ！ ！ For First Time Home Buyers in California ！ ！

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment （ Down Payment ） and other expenses （ necessary to make the loan ） Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification （ Refinance ）.
    （ Silent Second ） which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer （ who has not been a homeowner for at least the past three years ）.

    There are income limits by County.
    （ Income Limit ） Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    （ Pay Stubs, Bank Statement, Tax Return, Employment History, etc. ）

    First Mortgage is a Government Loan （ FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage （ payment ） payment .

    CalHFA Goverment Loan （ FHA ） would be supported by this program for 3 ． 5% （ of the purchase price or the lower of the appraisal value ）.
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 ． 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 ， 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ ）
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ？ Please feel free to contact us ！

    **************************************************************** **********************************************

    住宅ローン家モーゲージ
    • Useful info / Beauty / Health
    • 2020/03/25 (Wed)

    電解水がウイルス対策に有効！（TBS新情報７days ニュースキャスターで紹介されました）

    通常この製品はアルカリイオン水又は、水素生成器として健康飲料を目的として販売されています。
    アルカリ電解水が健康に良い事は知られていますが、最近では一般家庭でも酸性電解水がウイルス対策に有効であることから注目を集めています。

    この製品は水道水を浄水する過程でアルカリイオン水を生成し、同時に酸性水が電気分解によって生成されます。この酸性水は非常に殺菌性が高く、日本では多くの食品工場等で幅広く使用されています。
    添付の新聞記事のように、日本では病院、市庁舎等でケミカルのない安全なサニタイザーとしても使用されています。

    https://gansoionizer.com

    ご家庭では、加湿器に電解酸性水を入れて使用して頂くと、空気中のウイルス対策として効果が期待できます。

    当社製品は弱酸性からPH2.5の強酸性水の製造が可能となっており、１台でアルカリ電解水と酸性電解水を作ることができます。
    厚生労働省の認可を取得していますので、安心してご使用頂けます。
    日本製です。

    日本では３か月待ちの状態ですが、アメリカのオフィスにはまだ在庫がございます。
    ご興味のある方はお電話またはメールにてご連絡ください。
    分割払いもございますので、ご相談ください。
    ただ今特別価格にてご紹介させて頂いております。

    U.S. Jaclean, Inc. / GANSO Water / DAIWA MASSAGE CHAIR
    本社　1816 W. 135th St. Gardena, CA 90249 : (Office) 310-538-2298 (日本語）310-402-3780
    Email: hyoshida@usjaclean.com (日本語、英語どちらでも対応しております）
    https://gansoionizer.com
    https://daiwamassage.com
    https://www.usjaclean.com

    支社：ハワイ、シアトル、ダラス、ヒューストン、ラスベガス、オーランド、シカゴ、メリーランド
    Florida: 6835 S Conway Road Suite #300 Orlando, FL 32812 : Phone 407-930-7682
    Hawaii: 99-954 Iwaena Street, Suite B, Aiea, HI 96701 : Phone 808-848-0488
    Illinois: 849 North Church Court Elmhurst, Il 60126 : Phone 847-278-7059
    Maryland: 6770 Oak Hall Ln, Suite #111 Columbia, MD 21045 : Phone 407-489-6770
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    Texas Plano: 1808 10th Street, Suite #200 Plano TX 75074 : Phone 972-379-2517
    Texas Stafford: 803 Summer Park Drive, Suite #100 Stafford, TX 77477 : Phone 281-969-8842
    Washington: 6405 S. 209th Street, Suite #102 Kent, WA 98032 : Phone 253-236-5753

    Coronaコロナウイルス心配不安殺菌