Uphill Climb Ahead for Orange County

Photograph of hillside climb South Orange County

Southern California Real Estate Market seems ready for the come back this spring. The no inventory of homes for sale is at record lows. In the twenty three years as a lender in Orange County, I have never seen the numbers of new listings in Multiple Listing Service ( MLS ) this few. As the existing houses on the market in the middle range are now selling with multiple offers, the value of those sitting is gradually rising.

It's been a rocky road since the crash of 2008. It seems the uphill battle may now be at the summit. A few challenges still loom out there. There are homes where residents have not made payments for more than a year, and the lenders have not foreclosed. There are homeowners who hung on by renting their home when they had to take a job transfer. There are move up buyers and move down owners who have struggled and stayed in one place.

Will the November elections shake up the real estate market in Orange County in a good way?  I don't believe national elections will have any changes on local employment or business, and therefore will not likely have positive or negative results.

Residents of Orange County can look forward to slow growth, and perhaps a little pop up in the spring of 2013. I for one am looking forward to climbing up. :)

Photograph of Giant Salvia. This plant grows to nine feet tall with flower spikes one to two feet long. Does not have the stronger aroma of some sage plants, but very showy, low water and good for a sunny side yard, attracts butterflies and birds.

Caroline Gerardo Barbeau

Mortgage Loan Officer
W. J. Bradley Capital LLC.
Newport Beach, California 92660

(949) 637-8190


Color and Low Water in Orange County Gardens

Easy gardening tips in Orange County, California coastal climate
Plants that are colorful but require low water, no chemical spraying, and low care. I have a number of blue pots that I purchased at Plant Depo in San Juan Capistrano and Green Thumb nursery when they have blow out sales. The deep blue glaze is best made in Vietnam, so the shipping costs make them pricey, but I love that color.

I have seen my Moulton Niguel Water bill increase by double in the past two years, and it is not because of some leak, it is that we had less rain to refill my swimming pool over the summer.
Photograph of a  Gorgeous canna that smells like jasmine
Photograph of Mexican sage in my yard, has bloomed for nine months. It will die back if we get a cold snap, but requires little water, no fertilizer, and is pest resistant. The bonus is Mexican sage attracts butterflies and song birds follow...


San Juan Creek Flood Control ?


These are photographs of San Juan Creek in between J Serra High School and Laguna Niguel hills. In the middle of Orange County Soccer Fields and neatly organized parks are some abandoned houses, wild orange groves and trails with rattle snakes. The widening of the bridges at Crown Valle Parkway and Del Obispo may have unforeseen results on the drainage into the creek. Larger storm drains are installed only underneath the two long going projects. Will this cause flooding in the coming years to houses in Old San Juan and below?



Home Loans Newport Beach

Why Applying for a Home Loan Online Is Total Nonsense


Closing a loan today is more intense than ever before. Allow me to visit your Newport Beach home or office.

I can visit your home and pick up the necessary paperwork often in one visit, rather than have you make numerous trips to locate additional pieces of information. I recommend you ask your accountant to send you your tax returns as pdf attachments. Most often you have access to your bank statements as “print a statement” and we will help you put this together.

Thank you for considering me to help you achieve the best loan financing. As local mortgage professional twenty three years working in our community, I understand area lending guidelines, unique beach front or Orange County properties and draw on resources  lender.

My team works closely with you to help provide information so you can make informed decisions. We provide:
• Competitive rates and fees
• An extensive product line
• Prompt communication, feel free to call us anytime
• Service that continues after your loan closes

As your Loan Consultant I'll work with you every step of the way.

Confidence, honesty, security, in your own home.
W J Bradley Mortgage Capital LLC.
SW Birch Street
Newport Beach, California 92660
NMLS# 324982
C. G. Barbeau
Caroline Gerardo Barbeau
(949) 637-8190

mortgage newport beach

Get The Lowest rate





Photographs of the beach and ocean in Newport today!

Sky filled with colorful clouds in Big Corona, Corona Del Mar, California

I am so blessed to take twenty minutes off and eat my lunch watching the ocean. My mortgage loan office is in West side Newport Beach. I spoke on the telephone with a client making calculations on my HP 12C then took these photographs with my iphone. How lucky I am!





• Competitive rates and fees
• An e
xtensive product line
• Prompt communication, feel free to call us anytime
• Service that continues after your loan closes
As your Loan Consultant I'll work with you every step of the way.
W J Bradley Mortgage Capital LLC.

Caroline Gerardo Barbeau

C. G. Barbeau

20341 SW Birch St Suite 330

Newport Beach, California 92660

(949) 637-8190 cell




Start the financing process with a free consultation.

I suggest we fine tune your credit before you need to close, as FICO score determines a piece of the pricing. Next we will review comparable sales in your target property and look at the net income you show on Federal Tax returns in the past years.
















Confidence, honesty, security, in your own home.

NMLS# 324982

(949) 637-8190




Costa Mesa, Dana Point, Laguna Niguel, Lake Forest, Newport Beach, Mission Viejo, California




Documents You Will Need to Start:


IRS Form 4506-T — signed and dated

Pay stubs covering the last 30 days with year-to-date information included (all jobs and applicants)

W-2s for the past two years

Federal tax returns (1040s) for the past two years

Asset / Bank statements — Past two months' statements all accounts & pages no online printout We will discuss explanations for late payments, collections, judgments documentation for any large deposits on asset statements


Driver's License and Social Security card — legible copies

Hazard (Homeowner's) insurance information including agent's name and phone number

Purchase contract — signed by all parties (fully executed)


Gross Income

Total income earned before taxes and other deductions.

Wells Fargo, Bank of America. J P Morgan Chase make no representations or warranties as to accuracy or completeness of information and assumes no liability for use of this information.















Additional Self Employed Documents.


Federal tax returns (personal as well as business returns) — complete copies for the last 3 years









Read my 100 tips to raise your FICO score before you apply. Do not go pull your credit report the report you run may not be the same as a mortgage report. Ask for it for free.







AT Last One Stop to find a mortgage, be referred to shop for insurance, foreclosures, construction, and home care



“I serve you with knowledge, kindness and attention to detail.”

C. G. Barbeau (949) 637-8190




I encourage you to shop for your homeowners insurance annually and review coverage. Most borrowers choose an insurance agent and never change, not realizing if the agent is still handling their policy until they have a claim. Having an agent you trust is important when you have damage.

Top home improvement items that increase value for dollar:

Adding bedroom or simple bath square footage

Front door hardscaping

Neutral paint

Worst for the dollar:

Pool, kitchen, and rear yard because these are expensive and very personal to taste


Thirty Year Fixed Rate Mortgage  



Most borrowers today want a low thirty year fixed rate mortgage. Perhaps this is the very best choice for you. It is useful to look at certain life conditions that may fit this theory: stability and no surprises ahead are the reasons why this is likely the right thing for your family. There is not a great difference between the fifteen and thirty year interest rates, but the payment for a fifteen year is considerably higher. Often you are better off choosing the 30, and making a 15 year payment as long as you are able. Life seems to always bring unexpected changes.


Although much negative press has been distributed about ARM or Adjustable Rate Mortgages, those who chose those today find their rates in the low 3’s and can double up on principle while the rate is low.
















Conforming, Jumbo, super jumbo, VA, FHA, Construction, Land Loans, Commercial, HOME EQUITY, CASH OUT, No Cashout



“Ask me why I no longer work directly for bank after 22 years being inside: customer service is not in a bank’s plan. Customers for life are my goal.”





















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