September 1, 2016 Page 5 Leuzinger Starts With Big Win over Lakewood By Joe Snyder With Damion Porter at the helm for his third season, he saw his Leuzinger High football team make steps up as it steadily improved. This year, the Olympians return most of their starters from a 5-5 team that narrowly missed making the CIF-Southern Section Western Division playoffs as they are seeking, not only a spot in the newly revamped Southern Section Division X playoffs, but the Pioneer League and even the Southern Section title, something they have not accomplished since 1985. Currently in its first ranking, Leuzinger is ranked ninth in the division. Last Friday, the Olympians began their season with a stiff non-league game against Lakewood from the always tough Moore League, which is led by powerhouse Long Beach Poly. Leuzinger passed the big test with a 53-37 victory. This is first proof that it will be a strong contender. Leading 20-14 at halftime, the Olympians let loose for 33 third quarter points to build a 53-24 lead. Leuzinger senior quarterback Kaymen Cureton, who transferred from Los Angeles High where he keyed the Romans to the CIF-Los Angeles City Section Division finals before falling to Fairfax, got off to a good start. He completed eight of 15 passes for 202 yards and three touchdowns with no interceptions. Cureton also ran for 25 yards and a touchdown. The experienced Olympians, with 13 returning starters from the 2015 squad, had a balanced attack. Running back Daniel Carmicle rushed for 148 yards on 10 carries. Elijah Miles ran for 60 yards and scored a touchdown. Wide receiver Tariq Culpepper caught five passes for 98 yards and two touchdowns. Leuzinger hopes to add on to its good start as it continues its competitive preseason schedule at always tough El Segundo High Friday at 7 p.m. Two years ago, the Eagles captured the Ocean League crown but last season, the Eagles were faced with rebuilding that saw them finish in a three-way tie for second place with Lawndale, the only of the three teams to advance to the Southern Section Western Division playoffs, and Hawthorne. El Segundo, which beat Leuzinger in each of the last three seasons, returns most of its starters and should be a strong contender for the Ocean League crown. The Eagles are currently ranked seventh in the Southern Section Division VII. Inglewood Opens With Win Last year, Inglewood High’s football team was faced with a complete rebuilding, losing popular head coach Jason Miller, and being replaced by James Sims. As a result, the Sentinels ended their season at 1-9 with their only victory being by forfeit against Peninsula, which dropped its varsity team in the middle of Bay League play due to severe lack of players. This year, the Sentinels are more established with nearly all of their players back and began on a good note by rolling over CIF-L.A. City Section School Angelou, 34-7, last Friday at L.A. Southwest College. Inglewood was led by Daniel Barnett, who ran for 84 yards and two touchdowns on 16 carries. Armani Baker carried the ball four times for 58 yards, while Tyaire Dunlap rushed for 57 yards on four carries. Defensively, Baker caused a fumble that he picked up and ran 40 yards for a TD that gave the Sentinels a 12-7 lead shortly before halftime. Inglewood pulled away in the second half. Robert Manning had seven solo tackles. Michael Yates had six solo tackles. Inglewood hopes to improve to 2-0 as it remains home against another L.A. City Section school, Westchester today at 7 p.m. The game will continue to be at Southwest College since Coleman Stadium is undergoing repairs. Lawndale, Morningside Open This Week Lawndale High’s football team lost some key players from last year but has some outstanding young players that can make the Cardinals a strong contender for the Ocean League title. The Cardinals start the season at South Torrance Friday at 7 p.m. Head coach Travis Clarke will be looking at an experienced line, behind returning three-year starter in six-foot-three, 275-pound senior Steve Almaela. According to Clarke, Almaela has spurned interest from several NCAA Division I colleges. Lawndale’s offense will led by junior tailback Ryan Wells. Morningside is under first year head coach Dural Martin and returns senior running back Patrick Jeune. The Monarchs start their season at Southwest College today against L.A. City School View Park Prep. Game time is at 7 p.m. • Defense Stalls in Hawthorne’s Loss to La Canada Hawthorne wide receiver Carlos Jacobo lines up before the snap. Hawthorne drops first game of the season at home to La Canada, 35-21. Article and photo by Eric Ramos Hawthorne High School began the 2016 football season with tough non-conference match up with the La Canada Spartans. The Cougars trailed 20-14 to begin the third quarter. Quarterback Andrew Kalinowski marched the Cougars down the field on six minute, 10-play drive but came up short on the Spartans 15 yard line. The Cougars failed to gain any momentum on offense and the defense gave up 345 yards on the ground in a 35-21 loss to La Canada last Friday. Hawthorne came out looking to throw the ball to their talented wide receiver group of Justice Powers, Marte Mapu and Carlos Jacobo but the offensive line broke down and the defense couldn’t stop the run. “We didn’t play physical enough and we made a lot of mistakes,” Hawthorne head coach Donald Paysinger said. “We needed to stop the run and eliminate big plays.” La Canada took an early lead on the third play from scrimmage when running back Brandon Sharman ripped off an 80 yard run before being tackled at the Cougars’ 5-yard line. On the next play, Spartans’ running back Tyler Breneman scored from 5 yards out to take a 6-0 lead. The 2-point conversion failed. The Spartans added another score with running back Vince Dioguardi’s 3-yard touchdown run. On the ensuing drive, Kalinowski hit wide receiver Carlos Jacobo on a short pass, Jacobo stiff armed a defender and raced 56 yards for the score, to cut La Canada’s lead, 13-7. “We could’ve done better and worked as a team,” Jacobo said, who finished with seven catches for 185 yards. “We have to beat teams off the ball and work hard.” The Spartans added two fourth quarter touchdowns by Dioguardi to put the game away. Hawthorne will have a short week as they host Rivera High School today at 7 p.m. Rivera is coming off a 38-0 loss to Marquez. “We will watch film and make the corrections,” coach Paysinger said. “This game is in the past, now we move forward.” • Finance 5 Interest Rate Terms Every First-Time Homebuyer Should Know (BPT) - You’ve saved enough for a down payment, your budget is looking good and you’re earning steady income. You’re at the point in your life where you feel confident you’re ready to buy that first home. Congratulations! Buying a home is one of the most exciting and rewarding purchases you’ll ever make. However, if it’s your first time shopping for a mortgage, you may not be super knowledgeable about some of the financing terms you’ll hear, including “interest rates.” If you’ve used any kind of credit before, you probably have a basic understanding of interest - it’s the money lenders charge in exchange for allowing you to use their funds to make a purchase. While the basic concept is simple, mortgage interest rates can be complex and differing. “Many factors go into determining the interest rate your lender will offer you,” says Eric Hamilton, president of Vanderbilt Mortgage and Finance. “By understanding the factors that influence your interest rate, you can obtain the best possible mortgage plan and get into the home of your dreams quicker.” A variety of factors determines your interest rate, including: • Down payment - Just as you put money down on a new car, mortgage lenders like to see down payments from homebuyers. A down payment not only reduces the total amount you need to borrow, but it also shows the lender you are able to manage money. Different lenders require different amounts for a down payment, but most would likely view 10-20 percent of the home’s purchase price to be a good down payment. • Collateral - This is the property you agree to “put up” in exchange for the loan and serves to protect the lender against a borrower’s default. If you’re buying a manufactured home, you can collateralize the loan with either the home itself or with the home and a piece of land together. For site-built homes, the loan would be collateralized with the home and land together always. • Loan amount - The amount you need to borrow is calculated by taking the purchase price of the home, less your down payment, and adding any other expenses that will be financed as part of the loan, which could include closing costs, discount points and third party fees. • Credit score - Lenders will want to review the credit reports and scores for everyone who is listed as a borrower on the mortgage application. With your written permission, the lender will obtain your credit report from a credit reporting agency. Generally, the better your credit score is the more likely you will be approved, plus qualify for the best available interest rate from the lender you choose. • Origination cost - This is the amount the lender charges to process the loan application, which includes gathering and reviewing all loan application documents, underwriting and closing your home loan. This expense typically appears on your loan documents as a “loan origination fee.” “After you apply for a mortgage, the lender should be able to give you an idea of the interest rate you’ll likely qualify for,” Hamilton says. “With that information, you can use a monthly mortgage payment calculator to estimate just how much the mortgage payment will be each month. Knowing the monthly payment can help homebuyers make better decisions about budgeting, savings, spending and investing.” To learn more about mortgages for manufactured homes, visit www.vmfhomeloan. com. •
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