Time To Refinance

Mortgage Rates Have Decreased
Your House Value Increased
Let's get rid of your mortgage insurance
Let's save you some money
Call now (949) 637-8190

When you look at mortgage rates,
you’ll see that they’re based on different factors,
 such as the type of mortgage,
the loan amount and points.
The APR is useful when you’re comparing
the total cost of mortgage products
among lenders, because it includes
estimated loan fees and closing costs
 spread out over the length of the loan.

  • Adjustable-Rate Mortgage: The initial payment on a 30-year $200,000
  • 5-year Adjustable-Rate Loan at 2.875% and 70% loan-to-value (LTV) is $829.79 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 3.007%. After the initial sixty months, the principal and interest payment is $818.39. The fully indexed rate of 2.875% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years. The loan is amortized over 30 years.
  • 30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed Rate Loan at 4.125% and 70% loan-to-value (LTV) is $969.3 with one point due at closing. The Annual Percentage Rate (APR) is 4.335%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $417,000.00
  • 15-Year Fixed-Rate Mortgage: The payment on a $200,000 15-year Fixed-Rate Loan at 3.125% and 70% loan-to-value (LTV) is $1393.22 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.543%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $ 417,000.00

  • Jumbo Fixed Rate

    Super Jumbo Mortgage

    Construction Loans

    Foreign National Loans to
    Canadians and most other countries


    Caroline GERARDO NMLS #324982

    One of our nations biggest home builders


    Orange County Garden

    Red giant mustard in the dark blue pot.
    All winter / spring we have been cutting
    kale, spinach, arugula, and this red
    giant mustard for salad greens. I planted a big mix
    of edible salad greens - mesclun,
    tyee F1 spinach, and another
    thirty varieties all from seed.
    I'm allowing this mustard to
    go to seed to have more to share and trade seeds.
    My side yard is small.
    I don't use any fertilizers, no chemicals
     - only compost and water.
    Yes I have slugs and snails
    (I'm constantly hunting them and putting
    out yeast sugar water traps)
    but we didn't buy much green produce
    for the past six months.
    Mind you, my daughter is vegan, greens
    are her mainstay.
    I'm adding romanesco, some heirloom broccoli's, dragon carrots,
    squash and multi-colored heritage carrots today.
    The ten varieties of tomatoes are already blooming. Of course
    all the yellow and purple cherry ones have fruit. Yummy!
    It was foggy yesterday morning- good for photos but you
    can't see the ocean very well in this picture, but its there.

    Left two pots with geraniums, impatiens and purple pole beans
    that will be soon climbing and take over the impatiens. This makes
    a nice tent on the pergola.
    To the right is a spectacular epi.
    When I planted this epi it had four colors,
    but the orange variety is the heartiest and blooms first.
    There are pink blossoms starting on the opposite side.
    My plan was that all four epis would evenly mix in
    the pot. So much for plans.
    Below is a pot saucer with a number of seeds drying-
    nasturtiums that are almost spent in the garden, sweet
    peas and painted blankets that still are going strong.

    This pot has a rose I haven't patented yet. In the 1990's
    I had a house in the central valley. What started as a hobby-
    hybridizing roses became a passion. Many extinct varieties
    I found in graveyards around the world. Yes graveyards-
    because varieties that were planted in the 1800's that survived
    with little care were valuable as seed stock to me.
    I ended up selling a number of patents after I moved to
    Orange County, California.
    The weather here did not suit the type of
    roses I perfected- roses that required no spraying of any kind,
    liked heat, repeat bloomed and have the ruffley peony look.

    Now after living in moist Coastal Air I've been working on
    roses that don't rust and are also disease resistant - totally
    organic again same flower shapes... It's more difficult than
    heat resistance- its taken about eight years to have four cultivars.
    With my work as a mortgage banker - sometimes the roses
    get neglected. Only the tough ones will make the cut.
    Then of course I'm slowly editing my fourth novel.
    My children are almost old enough to help, hmmm
    wondering what wonderful things the next stages of
    my life will unfold.

    This jasmine has almost taken over the tree here.
    Two years ago I almost cut the whole tree down.
    This variety drops about forty leaves a day - year
    round drip torture as it is planted down wind right by
    the pool. Also in the photo hydrangea- I love them

    Close up of the epi you can see some snail damage
    on the leaves.


    Mortgage Rates Blue Bird of Happiness

    Laguna Beach bird houses, mail boxes and special treats.

    Today Mortgage Rates dipped to the lowest in more than a year.
    If you have mortgage insurance, values have increased. Call me
    for a free review to save you money.
    Perhaps it is the blue bird of happiness that things have

    Caroline Gerardo
    NMLS 324982

    Yes this is a real working mailbox in Laguna Beach

    A funky example of a Laguna Beach mailbox.

    Preview of my side garden. The epis are blooming!
    I'm praying for no wind and squishing snails to be
    able to enjoy the week or two of blooming glory,
    Next post I will put up more of the West side of my
    garden. Combining plants helps keep pests down.
    I don't use fertilizers or any chemicals. I compost
    and treat things with simple green solutions.
    Why you say?
    Most of my back yard is edible!
    See the bowl below (blue dish with seeds) -
    I collect seeds to use next year and to trade with
    friends and family.
    No GMO :)

    Sun Casts Out June Gloom

    The sky was cloudy this morning.
    Do we have Orange County June gloom already?
    Then at 11:15 the sun decides to come out.
    Casting the fog aside, I feel that way too.
    I'm taking the day off.
    I will be holding an open house tomorrow
    with my friend Hillary Caston.
    Looks like she already has offers on
    the Egret listing.


    Succulents in Planters

    Raised bed with succulents.
    All started from cuttings.
    Succulents are easy care and gaining in popularity in
    Southern California. Strange thing, many Homeowner
    Associations will not allow owners to change their front
    yard gardens to low water.
    We have terrible drought, I wonder if this
    attitude will continue this summer

    Planter hanging on wall with succulents. Planter is a mesh bag,
    filled with 1/3 vermiculite, 1/3 sand and 1/3 compost

    Koi pond with turtle peeking up


    House For Sale Aliso Viejo

    The secret why the developer named this tract Laguna Audobon: you can spot birds in the canyon and flying in the spectacular sunsets. Single family, serene street, and what a sky!
    37 Egret, Aliso Viejo, California
    Seacoast Village
    $719,000.00 listed by
    Hillary Caston
    other streets in the tract:

    Crane St., Praire Falcon, Egret Ln., Falcon
    ·         3 Bedrooms
    ·         2 Full Bathrooms
    ·         1 Partial Bathroom
    ·         1874 Sq. Ft.
    ·         $383.67 per Sq. Ft.
    ·         .07 Acres
    ·         Single Family House
    ·         Built: 1994




    Laguna Beach House For Sale

    Turquoise planter with succulents

    Pool with an ocean view

    Outdoor fireplace

    Shell mirror



    Condo Loans Laguna Woods



    Laguna Woods Village, once called Leisure World is a lovely community.

    I can offer conventional Fannie Mae and Freddie Mac
    direct loans in Third Mutual Laguna Woods
    Many banks won’t lend on the Third Mutual section.
    I have obtained direct condo approval.


    If you are purchasing in Laguna Woods California,
    give me a call.
    When a borrower turns in all their paperwork
    upfront my team can close in as little as eight days.
    I suggest you organizeyour past two years Federal Taxes, social security award letter, any w-2’a and 1099’s past two years, retirement award letters and current bank statements together as pdf files to make the process easy.
    I will even train you how to download them and send securely.
    There are many different venues to enjoy seven clubhouses, two golf courses, ten tennis courts, numerous types of theaters. Almost three hundred clubs, volunteering and community activism is encouraged. There is an equestrian center, garden plots, and RV parking. With daily fieldtrips and activities new friendships will grow.

    The Village covers over 2,000 acres and includes free bus transportation through-out the community and immediate shopping in the area. Inside a secure community are a Shopping Mall, restaurants, medical facilities/hospital, grocery markets, drug stores/prescriptions and banks.

    You may never have to leave the community.
    Everything fun for your convenience and
    healthy lifestyle is ready for these next years.

    • Call me for a quote: (949) 637-8190  cell
    • NMLS #324982  C G
    • Local schools:
    • Olivewood ElementaryK-60.8 mi
    • 9 out of 10

    • 9 out of 10


    Casa Lorenzo floor plan Laguna woods

    5500 Paseo Del Lago # 2E for sale view


    Laguna Niguel Single Family For Sale

    29692 Jarrett Circle
    Laguna Niguel, CA
    For Sale! This won't last.
    Day one on the market
    Private front entry gate leading to a large,
    lush, front patio with slate walls
    and fountain greets you before entering the house.
    Warm wood flooring, including bamboo in the bedrooms,
    and tile in the kitchen and bathrooms.
    High ceilings in the living and dining area gives this
     home a large and open  feel.
    Gourmet new  kitchen boasts upgraded countertops and cabinets,
    high end stainless steel appliances,
    with undermount sink and views of the backyard.
    Numerous skylights, ceiling fans, updated fixtures, 
    Master bedroom extra closet space,
    a vanity area, and remodeled bathroom.
    Third bedroom is currently used as an office
    with french doors that open out to the front patio.
    Large, wrap around backyard with panoramic views.
     2-car garage with full driveway.
    Quiet single loaded cul de sac location.
    HOA amenities include pools, parks,
    Tot Lot, sport court-Basketball , BBQ'S, Volleyball, & Clubhouse.
    Under six hundred thousand dollars in Laguna Niguel!

    • 3 beds
    • Bathrooms:2 baths
    • Single Family:1,350 sq ft
    • Lot:9,104 sqft


    Listing Agent to contact is:
    Donna Finney 
    Century 21 OMA
    229 Avenida Del MAr
    San Clemente cA 92672 

    Donna Finney

    San Clemente House For Sale

    San Clemente New Listing
    Single Family Home
    MLS# OC14097426
    I previewed this beautiful home in San Clemente.
    With three bedrooms and two and a half baths
    there is plenty of room in 2710 square feet.
    Wonderful House For Sale
    Dual pane windows were added two years ago - this
    makes for better insulation and quiet.
    The downstairs is updated nicely.
    This house has been on the market
    just a day, it won't last
    who is the listing agent


    Big Sur Rural Mailboxes

    Some fun photographs of mailboxes in California.
    News to your mailbox! Mortgage rates have fallen!
    Call me I fix broken deals. If your loan has stalled
    I can help you get closed
    NMLS 324982