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    • Useful info / Finance / Insurance
    • 2026/02/08 (Sun)

    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)

    Feb 21 （ Sat ） DFA Application Preparation Seminar ＆ （ Japanese ） Home Buying Guide Free ｜ Refreshments included

    Real Estate and Loans Seminar
    Up to 20% Down Payment Assistance Loan Program Explained

    Date ： February 21, 2026 （ Sat ） 1pm ～
    Location ： Irvine （ Online Concurrent ）

    Seminar Overview

    CALHFA Offers FY 2026 Dream For All （ DFA ） Evaluation Benefit Sharing Program Application Period
    （ February 24, 2026 ～ March 16th acceptance ） is just around the corner.

    This program is very popular with first-time homebuyers who have difficulty making a down payment, as the state pays
    ・ up to 20% of the purchase price （ up to $150,000 ）
    ・ no repayment until the sale

    . This is a very popular program for first-time homebuyers who have difficulty making a down payment, and is based on a lottery system.

    In addition to the details of the DFA program,
    this seminar will explain the various down payment assistance programs available to those who do not qualify for the lottery, and
    the steps ・ to take when purchasing a home using these programs.

    Instructor

    Kana Makino （ Kana Makino ）
    Loan Officer
    WEST CAPITAL LENDING, INC
    NMLS#2504398 ｜ DRE# 02053858

    loan broker with over 140 partner financial institutions.
    We offer a wide variety of mortgage programs that banks do not offer
    ・ for investors
    ・ for the self-employed
    ・ for retirees with limited income and more.

    Guest

    Yuka Kato （ Yuka Katou ）
    California Certified Real Estate Agent
    TOGETHER REALTY
    DRE#02032261

    ・ Properties available on a budget
    ・ Features by area
    ・ Properties to look for ・ Regions and other useful advice for your actual property search. and other useful advice to help you find the right property.

    Seminar Content

    ■ DFA Down Payment Assistance Program

    ・ Program Details
    ・ Eligibility （ First Time Homebuyer definition, immigration status, household income limits by county, and more ）
    ・ Application Period ・ Application Process
    ・ Required Documents ・ Notes

    ■ Other Down Payment Assistance Programs
    ・ Assistance Programs Available without a Lottery System
    ・ Programs Available to Those Not Eligible for DFA
    ・ Requirements for Each Program ・ Required Documents ・ Procedures

    Home Buying Basics

    ・ Pre-Approval （ Pre-Approval ） Information Required ・ Documents
    ・ Home Search Tips, Target Properties
    Latest Real Estate Market Trends
    ・ Buying Process and Points to Note

    How to Apply

    Web Form （ QR Code on the right ）
    or Call Please apply by text.

    📞 949-266-7761
    📞 949-246-1862

    *Please register in advance due to the light meal to be served.

    不動産ローン住宅ローン住宅購入頭金支援頭金補助

    with light meal

    • Useful info / Education / Lesson
    • 2026/02/06 (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)

    🎉Refer-a-Friend Campaign🎉!

    LASC, a trusted language school with over 40 years of history
    Established in 1982, LASC has been providing quality education to many students for over 40 years.

    New students transferring to LASC can refer a friend and get one month free tuition ！

    📌 Please note ： Referral form must be submitted before registration, LA schools only.

    Don't miss this opportunity to bring a friend to LASC ！ Don't miss this great offer ✨

    （ 📌 There are rules for application. Please contact us for details. ）

    LASC is the perfect language school for those who want to learn English well and have fun.
    In a relaxed atmosphere, our professional teachers will help you achieve your goals ！

    School tours and information sessions are always available. Please come and join us ！

    We also accept transfers at any time ！ !
    If you have any questions about courses or visas, please feel free to contact us anytime in Japanese.

    • Useful info / Beauty / Health
    • 2026/02/06 (Fri)

    FEB PROMOTION

    FEB PROMOTION

    • Useful info / Finance / Insurance
    • 2026/02/02 (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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

    • Useful info / Finance / Insurance
    • 2026/02/02 (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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

    • Useful info / Professional
    • 2026/01/27 (Tue)

    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)

    My Response

    Negative people
    seem to assume that bad luck that happens by accident happens 'all the time' as if it happens 'all the time' and that 'everyone' is bad, even bad people they happen to meet.

    They seem to assume that the world is hard to live in because they are in the habit of always looking for bad things.
    It's not that the world is bad, it's our reactions, our perceptions are distorted and our assumptions.

    Mr. P, who has lived in Los Angeles Anzel for over 10 years, laments that things have always been bad since he came to the US.
    I am sure he attracts those situations or looks for negative things all the time.

    I am sure the people you associate with also attract or are attracted to such people.
    What a waste.

    Since you are here in the U.S., I wish you would be more grateful for the things you can only experience in the U.S. and the daily encounters you have, and live a happy life.
    It is important to have the habit of looking for the good in others, the happy things that happened today, the good things, and to look for enjoyment yourself, rather than just looking for the bad things.

    Love, Miwako

    • Useful info / Finance / Insurance
    • 2026/01/26 (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)

    2/3 （ Tue ） Emergency Seminar on California DFA Down Payment Assistance Program ！

    [Irvine Venue ＆ Online Concurrently]
    Up to 20% of the purchase price （ Up to $150,000 ） paid by the state and not repaid until the time of sale, this is literally a dream come true program. The application period is from 2/24 to 3/16; here are the eligibility requirements and how to apply.

    I can't because I don't have enough down payment
    I was told I can't buy a house with my current income
    I'm afraid of paying the loan

    Have you given up on "buying a house" for that reason ？

    Actually, I'm in the process of buying my first house. There is a state support program for first time home buyers.

    🌈 California Dream For All （ DFA ） and ？

    California's down payment support program for first time home buyers.

    Here's the key ！

    🏠 State support up to 20% of the price of the home
    （ Up to $150,000 ）

    💸 No monthly payments required ！ → You don't have to pay it back until you sell your home

    👨‍👩‍👧‍👦 For first-time home buyers

    "Those who couldn't afford to buy because they didn't have a down payment" every year in a very This is a very popular program.

    Free seminar （ All explained in Japanese ） ！

    "I'm worried about English …"
    "I don't understand how home buying works …"

    "I'm not sure about that. But don't worry 👍
    We explain the basics in Japanese in an easy-to-understand manner.

    ＜ Seminar contents ＞

    ・ DFA is really useful for me ？
    ・ How much house can I buy ？
    ・ What should I prepare? What do I need to prepare ？
    ・ What other assistance programs are available besides DFA ？

    ＜ Seminar Details ＞

    Date 🗓 February 3 （ Tuesday ） ⏰ 5:30 PM ～ 7:00

    Location📍 Orange Island ・ Culture Salon
    17811 Sky Park Cir. #J Irvine, CA 92614

    Simultaneously online on short notice Online participation is now available.
    If you wish to join online, please register from the same link. We will send you the Zoom link after registration.

    Free of charge ・ Advance registration required ⭐

    *Seats are limited

    ＜ Registration ＞

    🌐 Web ： https://bit.ly /4qCxUuU

    📧 Email ： kmakino@westcapitallending.com

    📱 Tel / Text ： 949-266-7761
    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending
    NMLS# 2504398 | DRE# 02053858

    Free ・ Advance registration required ⭐
    *Seats are limited.

    • Useful info / Life / Housing
    • 2026/01/22 (Thu)

    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)

    Seminar on California's DFA Down Payment Assistance Program 2026

    California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers.

    ・ You don't have enough saved up for a down payment or closing costs
    ・ You were told the house you want is too expensive for your current income
    ・ You are worried about your monthly payments

    Good news if you have given up on buying a home because of these reasons ！

    CalHFA has announced the application requirements for its 2026 Drea For All (DFA ) Appraisal Gain Sharing Loan Program. Up to 20% of the purchase price （ up to $150,000 ） of which is paid by the state and not repaid until the time of sale, this program is very popular with first-time homebuyers who struggle to make a down payment contribution. Applicants must submit an application, including a pre-approval letter from an approved lender, by the end of the application period, and winners will be selected by random drawing to receive a voucher. Eligibility includes first-time homebuyers and applicants must be under the maximum household income limit. This seminar will provide detailed eligibility and application requirements, as well as a detailed explanation of this and other down payment assistance programs in Japanese.

    Date and Time ： February 3 （ Tuesday ） 5:30 - 7:00 PM
    Location ： Orange Island ・ Culture Salon
    17811 Sky Park Cir. # J, Irvine CA 92614
    *Simultaneous online sessions will be held on short notice ！

    [[Drea for All Registration Period]]
    2/24/2026 - 3/16/2026

    *This program is always very popular. Prepare well and apply so as not to be disqualified ！

    ⭐︎⭐︎ Participation is free, but seats are limited, so please register in advance ！ ⭐︎⭐︎

    [[Advance Registration Method]]
    *From the web form https://bit.ly/4qCxUuU
    *Email: kmakino@westcapitallending.com
    *Tel&Text: 949-266-7761

    Kana Makino （ Kana Makino ）
    Mortgage Loan Officer / Realtor ®
    West Capital Lending | NMLS# 2504398 | DRE# 02053858

    不動産ローン住宅ローンリバースモーゲージリファイナンス

    Light meal included ！.

    • Useful info / Professional
    • 2026/01/20 (Tue)

    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)

    Too busy and over-scheduled.

    If you keep yourself busy every day, you will lose sight of your surroundings and lose your mind.
    For example: 、、、、

    If you cram too many blind dates and dates all at once, you will meet many people of the opposite sex, but you will be too selective, and you will miss the one you like.

    It may be good to have a large number of encounters, but if you cram in too many encounters before you are ready, it may become a mere task.

    The important things are left behind to be cherished and become very valuable and irreplaceable.
    What was not cherished (encounters, feelings, and relationships ） will never become irreplaceable.

    I believe that those who cherish each encounter and connection will also bring good connections.
    You have to see things with your heart to see them well.
    In other words, many important things are invisible.

    Neither the feelings for others, the desire to cherish them, humanity nor kindness are "things" that can be seen.
    There are many things that cannot be seen only by a person's title, possessions, status, or appearance.

    Try to have your own eyes to judge the important things that you cannot see.
    Love, Miwako

    • Useful info / Professional
    • 2026/01/13 (Tue)

    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)

    As there is a beginning, so there is an end,

    Just as this year has a beginning and already has an end, everything has a beginning and an end.
    The time we spend with our loved ones will end someday,

    The body we can move freely will someday stop being able to move,
    The scenery we are tired of seeing will someday stop being seen,

    But what we can no longer do someday, we can do now,
    Now I can say thank you to those who are near me,

    I can go see the scenery I want to see now,
    but the day when I can no longer do it will come suddenly

    I should do what I can while I can...

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