Lending Thursday

The general view of buying your first home is that you should buy a condo and work your way up to a home. Did you know that with a condo a $350 monthly HOA fee is the difference of approx. $75,000 in a purchase of a new home. For Example currently in Ventura County $350-$450 HOA dues are very common among condo complexes. These fees are also not set and can rise if the Board feels it is necessary. So let say John Smith is wanting to buy his first home and doesn’t think he can afford any single family home so he starts looking for a condo. Mr. Smith finds a beautiful upgraded condo for $400,000 and it has a $350 a month HOA fee. When you compare a $400,000 condo payment including the HOA fee of $350 you could essentially purchase a single family residence for $475,000 and have the same total monthly payment. So in my opinion the condo before the house mindset does not accurately reflect reality. Not only are you now expanding your search tremendously, you are also obtaining the ultimate goal of owning your own home with minimal rules unlike a condo with an HOA Board to report to. Tip of the week: Know all your options before you buy!

Troy Williams
Prospect Mortgage

Workout Wednesday


It’s not all about how many pounds you loose, it’s about the quality of your workout. Remember; Muscle ways more than fat..so while starting a new workout regimen you may gain some weight (by definition of the scale) but more than likely it is because you are gaining muscle that will help you burn the fat. Just keep going…I promise it’ll all be worth it.
This website has some great Ideas for workouts and eating well.

Let me know if you have any questions!

Laura 805-910-6484

Taco Tuesday



  • 4 zucchini, quartered lengthwise
  • 1/2 cup grated Parmesan
  • 1/2 teaspoon dried thyme
  • 1/2 teaspoon dried oregano
  • 1/2 teaspoon dried basil
  • 1/4 teaspoon garlic powder
  • Kosher salt and freshly ground black pepper, to taste
  • 2 tablespoons olive oil
  • 2 tablespoon chopped fresh parsley leaves


  • Preheat oven to 350 degrees F. Coat a cooling rack with nonstick spray and place on a baking sheet; set aside.
  • In a small bowl, combine Parmesan, thyme, oregano, basil, garlic powder, salt and pepper, to taste.
  • Place zucchini onto prepared baking sheet. Drizzle with olive oil and sprinkle with Parmesan mixture. Place into oven and bake until tender, about 15 minutes. Then broil for 2-3 minutes, or until crisp and golden brown.

Due Credit: http://damndelicious.net/2014/06/21/baked-parmesan-zucchini/