LIGHTHOUSE REAL ESTATE SERVICES

Oscar A. Barker - Broker

Dear Future Client,

Lighthouse Real Estate Service is a full service company and offers the following products:

• We Serve Property Buyers:     
• First Time Home Buyers
• Second Homes
• Multiple Residential Properties
• Commercial Properties
• We Serve Property Sellers:    
• Home   Sellers
• Multiple Residential Property
• Commercial Properties  
• We Originate Loans for:             
• First  Time Home Buyers Loans
• Loans for Multiple Residential Properties
• Loans for Commercial Properties
• Refinacing of Homes, Multiple Residential and Commercial Properties.                     

For us it will be a privilege to serve you.

Sincerely,

Oscar Alfred Barker - Broker - 626.290.6569
CA DRE Broker # 01133705 

Beginning of Operations:
Lighthouse Real Estate Service has been in operation since 1998. Mr. Oscar Alfred Barker, its Broker, began his career in real estate in 1992 as a full time Broker.

Knowledge:
Its Broker, Mr. Oscar A. Barker has gain his knowledge through hands on experience and has completed studies in Loan Processing and Underwriting. Mr. Barker is an avid reader of all aspects of real estate. Mr. Barker is and Industrial Engineer by trade graduated in the USA.

Products:
Lighthouse is a one stop servicing real estate company. We provided the following services:

• Selling your Home
• Buying your Home
• Loans for First Time Buyers
• Loans for Second Homes and/or Investment
• Refinancing

Oscar A. Barker - Broker

Experience:

In 1992 he began working full time in the field of real estate. He is well experienced in the Selling and Buying of Homes; Loans for First Time Home Buyers. Refinancing of Homes.

Education:

Mr. Barker has a Bachelor Science in Industrial Engineering. He has advanced studies in finance and business administration. In addition, has advanced studies in the processing and underwriting of loans.

Membership:

Mr. Barker is a member of:

• National Association of Realtors

Personal Information:

Mr. Barker is married with Guadalupe Barker for over 30 years. They have four children. All of them graduated from the California State University, Los Angeles.

Your Privacy is Our Concern

Information Requested

During a real estate transaction, especially for buyers and borrowers, several pieces of private information is collected. Here there is a typical list, which not exhaustive of the information required:

• Social Security Number
• Bank Accounts
• Work Information
• Credit History
• Income/Tax Information

Internal Control:

• Lighthouse Real Estate Services will allow access to the files only to employees that are going to process the transaction. The personnel of the company has been property trained in the need to protect the private information.
• Our computers are protected with 'firewall" programs that will prevent attacks of hackers.
• Paper that is wasted is shredded.

Your Information will not be sold.

• Your information will not be sold nor will be made available to no one that is not directly related to the transaction.
• Wholesale lenders will receive your private information. They have their own guidelines to uphold the privacy of the borrowers.
• Credit company will also receive some of your private information to obtain your credit history. They as well have their own privacy rules.

It is illegal to discriminate in the provisions of or in the availability of financial assistance because of the consideration of:

1. Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice; or
2. Race, color, religion, sex, marital status, national origin or ancestry.

It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions, to provide financial assistance.

These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of a one-to-four unit family residence occupied by the owner and for the purpose of the home improvement of any one-to-four unit family residence.