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By Lisa Strickland-Meade

Special to VCSHomes.com
Tucked up against the Santa Susana
mountains and surrounded by picturesque
rolling hills is the scenic community of
Simi Valley. Located just 40 minutes from
downtown Los Angeles and mere minutes
fromthe San FernandoValley, Simi Valley,
with its easy access to several major freeways
and Metrolink service, is centrally located
for work or play. Wide open spaces, rolling
hills and valley views, fabulous weather and
fantastic dining, shopping and recreational
opportunities all
welcome prospective
residents to a place they
will surely want to call
home.
Simi Valley offers
a little something for
everyone. Outdoor
enthusiasts can enjoy
the miles of dedicated
biking, hiking and
walking trails. Golfers will appreciate Simi
Valleys six golf courses and horse enthusiasts
will be impressed by the network of
equestrian trails and facilities. Food lovers
will delight in the variety of dining options in
Simi Valley, ranging fromformal and eclectic
to family friendly. Shoppers will be pleased
by the assortment of stores in town, with
offerings fromlarge chain retailers to smaller,
boutique local businesses.
Family living just cant
be beat in Simi Valley. The
city repeatedly appears on
the Safest Cities in America lists. Simi
Valley schools are top notch and students
consistently score above state and national
averages on achievement tests. Simi Valley
High School has been featured as one of
the top 1,000 high schools in the country.
There are many colleges and higher learning
facilities nearby for those wishing to proceed
with higher education, which 80 percent
of Simi Valley students do. Well-kept sports
fields and organized sports activities abound
and with 35 parks, playgrounds and a dog
park, everyone in the family is sure to be
pleased.
Residents also can enjoy the cultural
and entertainment offerings unique to Simi
Valley. The beautifully restored Simi Valley
Cultural Arts Center offers live, local theatre
events and a variety of other performances.
Since its opening in 1995, it has been host to
hundreds of performances and patrons have
come to enjoy the quality entertainment
offered at reasonable
prices. The Ronald Reagan
Presidential Library and
Museum, besides providing
touring opportunities, also hosts numerous
exhibitions, lectures and family-oriented
events.
Current residents of Simi Valley may be
wondering just what their home is worth or
about their options for refinancing. People
looking to relocate to Simi Valley may need
help finding that perfect loan for their dream
home. Joe Engle, of LoanSmart in Simi Valley,
is here to help. LoanSmart is a brokerage
agency run by real estate broker Engle. He
has been a resident of Simi Valley for 11 years
and has been very active in the community.
His extensive personal knowledge of Simi
Valley and surrounding communities,
combined with his 13 years mortgage
industry experience, make himan excellent
resource when shopping for a loan.
Mortgage rates are at the lowest level
in over 50 years, so anyone thinking of
refinancing or buying should call to see what
rates are available and if they qualify,said
Engle.
In particular, the refinance market has
really opened up and there are lots of
programs and newopportunities available.
Refinance rates are unbelievably lowright
now,said Engle. You can call me to see
if you qualify for the Home Affordability
Refinance Plan sponsored by Fannie Mae and
Freddie Mac.
Homeowners looking to refinance might
be curious about the value of their current
home. Engle invites themto give hima call
and he will provide a complimentary update
on the estimated current value of a property.
Engle is happy to educate prospective clients
about this and other refinance options in this
rapidly changing market.
LoanSmart works with clients to match
their needs to the loan services that best
work for them. Senior citizens might be
interested in the reverse mortgage, which
can be a great tool to receive tax-free cash
in a lump sumor in monthly installments.
Reverse mortgages can be used to pay off
existing mortgage debt for seniors 62 and
older. Lenders have more reverse mortgage
type programs available right nowand the
fees for these mortgages have recently come
down quite dramatically,said Engle.
Engle believes in educating his clientele
on all the different products that might help
themreach their goals of finding a better
loan or home ownership. In fact, Engle
offers complimentary consultations over the
phone, in his office or in his clients home.
This attention to detail and personal service
is why people choose LoanSmart.
For more information, check out its
website at http://www.loansmartinc.comor
call Engle at his office, 915-2600, or on his cell
phone, 490-0009.
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ZIPPING
aroundventuracounty
Simi Valley
93063
ENGLE
LoanSmart offers local experience, personal service
The Simi Valley
Cultural Arts
Center has served
the community
since the mid-
1920s when it
originally was the
Simi Community
Methodist
Episcopal Church.
Since then it
has served as
a mortuary,
Jewish temple,
a residence and
even a temporary
high school. The
city acquired the
property in 1991
and restored it.
Lisa Strickland-Meade / Special to VCSHomes.com A
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