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9/19/2012

mortgage newport beach





Get The Lowest rate

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Being Approved For A MORTGAGE LOAN SIMPLE STEPS

 



 

 
Photographs of the beach and ocean in Newport today!
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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!

2012

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• 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

 

 



FREE CONSULTATION BEFORE YOU APPLY (949)784-9699



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.



 

 

 

 



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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

 







HOMEWORK LIST:

 



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

Other

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.

 



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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.



 

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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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