Thousand Steps Beach

Rare Listing For Sale at Thousand Steps Beach,
Laguna Beach California.

Homeownership with CalHFA

Caroline Gerardo at EAGLE HOME MORTGAGE
a Lennar Homes Company can help you with this
excellent financing solution to avoid having
a mortgage insurance payment added to
your monthly principle and interest payment.
By financing your mortgage insurance
costs in one lump sum into your loan amount, you can
potentially lower your monthly payments.
OR -For the same monthly payment qualify
for a larger loan amount.
It’s your choice!
There also may be tax benefits to this approach
(please consult your tax advisor).
Layer this with our grant program,
or bond programs, and or MCC credit
you can buy more of a home than you might think.
Exciting Good NEWS:
The California Housing Finance Agency announced
an amazing opportunity that helps more
low to moderate income California families purchase homes.
CalHFA will remove the first-time home buyer requirement
on its first mortgage programs to allow more
California homebuyers to take advantage of the
benefits of CalHFA’s affordable financing.
 “CalHFA’s mortgage loans now provide
more low to moderate income families
across the state of California with affordable
opportunities to purchase homes with fixed-rate
mortgages and down payment assistance programs,”
said the this week -Executive Director Claudia Cappio.
California’s homeownership rate stands at about
54 percent as of the end of the first quarter of 2014,
according to U.S. Census estimates,
this is a sorry 10 percentage points
below the national homeownership rate.
I believe homeownership is down in California
because we were hit hard by the crash.
California is seeing recovery in coastal areas
and great strides in the Bay Area,
but inland communities are not seeing big gains.
Only jobs, and I mean full time good paying
jobs not gig economy jobs will bring our beautiful state back.
Studies also show that homeownership is linked to stronger neighborhoods, better educational achievement, civic participation and healthier outcomes.
Our lending programs provide unique opportunities for families to purchase homes, including:
-       Offering a first mortgage for 97 percent of the value of the home, combined with a 3 percent built-in down payment second.
-       Access to no interest and low-interest down payment assistance loans that don’t have to be repaid until the home is sold, refinanced or the mortgage is paid off.
-       Access to grants, tax credits and low interest rates

Caroline Gerardo is Committed to Seeing You Home.


Senior Loan Officer

Caroline Gerardo


Irvine CA 92618

8105 Irvine Center Drive Suite #500

Eagle Home Mortgage a Lennar Homes Company

Efax 855-883-4303

Office 949-784-9699

Cell 949-637-8190

NMLS #324982

NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California a Lennar Homes Company. Licensed by the Department of Business Oversight under the California Residential

Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.


Snake in the Garden

Potting bench

I spotted a snake in the garden today.
He was black orange and brown.
No audible rattle but he was so fast, who knows. 
Later I searched online, found some sites with images. This only confused me as I only got a
glimpse of him. Hoping it's a gopher snake...
Calling him Tony, some of you might know why...
Put my cowgirl boots on, an orange bucket, a cardboard lid, gloves
and the pool scoop all ready for battle.
My plan was to capture him and send him on the other side of the
glass wall. However, couldn't find him.
Do I have to rip out all my nasturiums, trim under the bushes and
cut back all the herbs?
Meanwhile I'm at the office, working on a couple purchase loans
that need to turn in their paperwork. Turn in your taxes and bank
statements or I'll send Tony over to pick them up, lol.
Perhaps I can get a short video
of him and post it before I send him off to the beach?


Curbside appeal

Nice example of hardscape, gorgeous front door, and white impatiens 

Another example of simple elegant curbside appeal. The brick and stucco
low wall are softened by privet hedge and white roses. I love the jealousy
glass in the front door. Wish my photographs were taken on a foggy day.
Who says there is June gloom in Laguna Beach?

Don't Change These During Mortgage Process

Caroline Gerardo
Senior Loan Officer
NMLS #324982
Cell 949-637-8190
Office 949-784-9699
eFax 855-883-4303
Committed to Seeing You Home.
Eagle Home Mortgage
8105 Irvine Center Drive Suite #500
Irvine CA 92618
NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.


Mosquito Trap Free

How to make a mosquito trap

How to Make a mosquito Trap without 
spending a dime. I had all these things:

liter soda bottle is best (we don't 
buy soda so I used a thinner water one)
old miss matched black sock (you know those lost extras)
old black tshirt 
used file folders
plastic grocery bags
black plastic pot used
duct tape
2 tablespoons brewer's yeast
5 tablespoons white sugar
old smashed nectarine (or substitute)
1/8 cup of any wine
cup of warm water
drops of jasmine oil 
teaspoon boric acid

I had these two black socks without matches I wasn't certain
which one would fit right.

War on mosquitoes.
Organic, cheap, budget, green

First step is to check your yard and neighbor's and
get rid of any standing water or soggy lawn. Kill the
larvae by drying them in direct sunlight or put them 
in a jar and freeze them for a day.

The second step in creating your trap is to make
the syrup bait.
In an old jar put all the wet ingredients 
Stir the sugar, wine, yeast and water and
place in full sun no lid for a day or two
Save the jasmine

Third step:
line up all your pieces.
I cut the old t-shirt into strips that I used for
my tomatoes and had some scraps left over.
Below here you will see the cotton strip.
I decided it was too wide for my wick.
I ripped it in half without scissors.
The strip is double the length of my cut 
bottle as to hang touching the syrup and 
be tucked outside to the sock.
This will make the odors come out
more into the room to tempt the critters

Here is a plastic pot that I'm using to hold up the
mosquito trap and keep my nosy dogs from
knocking it over.
I lined the bottom with paper scraps then
two  plastic bags, just  in case something
or someone knocks it over

Cut your bottle at about 2/3
level. Use a sharp knife to
make a hole, then scissors
around the circumference.
Mine isn't perfect or pretty.
Duct tape the inverted lid
into the larger bottom half.

I cut two collars.
I left the old wire
tab clips on. They
will act as spacers
holding the bottle
upright inside the
plastic pot.
They also add
shade for bugs.
Mosquitoes like
black so I've
covered the exterior
all dark.

Shimmy the sock over the plastic bottle.

See here I ripped the t-shirt into a
thinner strip for my wick.

Place the wick inside.
Add the boric acid and a couple drops
of jasmine oil to the solution before you
pour it into the trap.
Gently pour the solution into the bottle.
Place the bottle centered in the pot.
You could add more plastic bags as
side wall air bags.
Put one collar around an inch up from the base
Second collar half way up.
I made a third one of black paper for the top.

The trap should be placed where there is no
wind. Choose a corner near where people
will be. The trap mimics the odor of human
exhaled breath. Mosquitoes like black, they
like jasmine and they like rotting nectarines.

They should fly in and have a little cocktail.
They won't be able to fly well, and night night

Add drops of jasmine to the wick every
other day.
The solution syrup lasts about 11 days.

Don't forget to check, fountains, old tires,
and leaks. It is summer and they love an
invitation to a party.

Top of the trap
Nothing better than
DIY cheap


Un prêt Hypothécaire aux États-Unis:

Comment un ressortissant étranger de France  peut obtenir un prêt hypothécaire aux États-Unis:
Obtenir un prêt de la maison aux États-Unis prend du temps et nécessite une bonne quantité de
paperasse, même pour les citoyens américains. Voici une liste générale de ce que vous devez préparer.
Tous les documents doivent être en format pdf ou doc ​​word et clairement lisible. Si elle est floue ne l'envoyez pas.
Les articles peuvent être envoyés par courriel ou par télécopieur à C. G.
Les ressortissants étrangers:
Emprunteur n'a pas de carte verte et pas de visa.
 Max 60% LTV; nous souscrivons en tant que deuxième Maisons ... si un immeuble de placement, les preneurs fermes examineront au cas par cas. Unifamiliale, maison de ville, copropriété
Montant minimum de prêt de 300.000 maximale de cinq millions de dollars.
Crédit: Non FICO nécessaire ... rapports de crédit internationales sont acceptées ou quatre références de pays d'origine de crédit est nécessaire ... Si vous avez besoin d'autres formes de crédit, puis obtenir ce que vous pouvez avec l'idée que votre travail est de faire le souscripteur à l'aise ... c'est-à- vous pouvez fournir une lettre de l'employeur, la banque, ou du créancier, d'obtenir des factures de services publics, etc Votre objectif est de mettre l'assureur à l'aise en ce qui concerne la solvabilité de l'emprunteur.
Nous avons besoin de l'histoire de 2 ans vérification du revenu. Il n'est pas nécessaire d'avoir des déclarations fiscales américaines ... les documents fiscaux du pays d'origine est correct. Si le pays d'origine ne nécessite pas l'emprunteur de déposer l'équivalent de déclarations de revenus, alors nous avons besoin de bulletins de salaire, relevés bancaires, une lettre de l'emploi sur la tête de lettre de la compagnie expliquant compensation, etc
 Doit obtenir des placements chevronnés dans une institution connue dans le monde entier vérifiable financière (c.-à Credit Suisse, HSBC, UBS, Bank of Tokyo) ... les fonds ne peuvent pas être dans une institution qui ne peut être vérifiée.
Nous avons besoin des dernières soixante jours de relevés bancaires réels toutes les pages. Les dépôts inhabituels qui ne sont pas les salaires ou les entreprises doivent fournir la source (comme dans l'argent déplacé dans un compte doit également disposer d'une copie du chèque déposé et le bordereau de dépôt si elle n'est pas un revenu d'emploi). La principale raison de l'approvisionnement du revenu et des actifs est de l'OFAC (Office of Foreign Assets Control) qui surveille les pays étrangers, les régimes, les terroristes connus, etc En outre, le nom de l'emprunteur, l'employeur et l'institution financière du pays d'origine où la emprunteur a leurs fonds seront gérés par un moteur de vérification de l'OFAC pour s'assurer qu'ils ne présentent pas ... cela se fait par un souscripteur mais voici le site de l'OFAC si vous souhaitez vérifier. Une fois la liste de téléchargements, recherchez le nom de votre emprunteur et des AKAs ... si rien ne vient, vous êtes bon pour aller.

* Traducteur - spécialiste en déclarations ou équivalent - Analyse financière:
 Si la documentation sur le revenu et de l'actif est dans une langue étrangère, je vous conseille d'obtenir un traducteur. Il peut être nécessaire pour vous d'embaucher un comptable / CPA (préparateur d'impôt ou équivalent) pour analyser, interpréter, convertir et présenter l'information de manière si le souscripteur peut facilement le comprendre. C'est, un résumé complet et comptable de la situation financière de l'emprunteur. Cependant, un traducteur de langue peut suffire et serait probablement moins coûteux.
 Inclure une carte de visite ou en-tête du traducteur, du préparateur ou CPA impôt ainsi le souscripteur peut contacter si nécessaire.
 Toutes les ambassades des États-Unis de fournir des services de traduction.
 Pas besoin d'avoir un numéro de sécurité sociale ou numéro d'identification fiscale NIF ou ITIN doivent être appliquées pour, pas réellement émis avant que nous commencions. Emprunteur de demander un numéro de TIN avec l'IRS ici:
 Copie du passeport et une deuxième forme de pièce d'identité valide (permis de conduire ou une autre pièce d'identité).
 Procuration n'est pas autorisée. L'emprunteur devra aller à un consulat américain à signer et avoir des documents de prêt notarié. Ou trouver un notaire américain avec notaire licence américaine.
 Vérification de l'hypothèque ou de vérification des loyers est nécessaire pour 12 mois précédents.
 Actifs mis en gage est autorisée, cependant, les actifs doivent être dans un compte bancaire américain.
 Les réserves de 12 mois de service total de la dette (y compris tous les paiements, les voitures, etc.)
 Vous pouvez postuler en ligne ici:

Ou complète et email à
C. G. Barbeau
8105 Irvine  Center Drive # 500
Irvine California 92618




怎麼外國人從中國可以在美國獲得按揭貸款獲得美國住房貸款是費時,需要一個良好的金額文書工作,即使美國公民。這裡是你所需要準備的常規列表。所有文件應在PDF或Word文檔格式,並明確可讀。項目可以通過電子郵件發送到C G。外國人:•投資組合可調整利率貸款的Avaiable•借款人有沒有綠卡,沒有簽證。•最高60%按揭成數;我們作為承銷二院...如果一項投資物業,
承銷商將考慮在逐案基礎。單家獨戶,聯排別墅,公寓•$ 300,000最高500萬最低貸款金額。•信用:無需FICO ...國際信用報告是可以接受的,
(例如,瑞士信貸,匯豐銀行,瑞銀,東京銀行)採購經驗豐富的資產......資金不能在無法驗證的機構。我們需要真正的銀行對賬單的所有網頁在過去六十日。任何不尋常的存款不屬於工資或企業必須提供源(如資金轉移到一個帳戶還必須具有沉積支票和存款單,如果沒有工作收入的副本)。其主要原因採購的收入和資產是外國資產控制辦公室(外國資產控制辦公室)負責監測國外,制度,已知的恐怖分子等,此外,借款人的姓名,雇主,以及從原產國的金融機構,其中借款人的資金將通過OFAC驗證引擎上運行,以確保它們不會顯示出來...這是由承銷商完成,但這裡是外國資產控制辦公室網站,如果你想檢查出來。一旦列表下載,搜索你的借款​​人的姓和任何AKAS ...如果沒有出現時,你是好去。*譯者 - 報稅或等同學歷 - 財務分析:o如果入息及資產的文件是外文的,我勸你得到一個翻譯。這可能需要你聘請會計師/註冊會計師(報稅或同等學歷),以分析,解釋,轉換和在這樣一種方式,包銷商可以很容易地理解其提交的信息。也就是說,有借款人的財務狀況進行全面總結和會計。然而,語言翻譯可能就足夠了,並很可能會更便宜。o包括翻譯,報稅或CPA的名片或信箋所以承銷商可以根據需要請聯繫。o所有美國使館提供翻譯服務。•不要求有一個社會安全號碼或稅號TIN或ITIN必須申請,不實際發行在我們開始之前。借款人在這裡申請與IRS TIN號碼:


How a Foreign National from China can get a mortgage loan in the United States
Getting a home loan in the U. S. is time consuming and requires a good amount of
Paperwork for even American Citizens. Here is a general list of what you need to prepare.
All documents should be in pdf or word doc format and clearly readable.
Items can be emailed to C. G.
Foreign Nationals:
• Portfolio Adjustable Rate Loans Avaiable
• Borrower has no Green Card and no VISA.
• Max 60% LTV; we underwrite as Second Homes…if an investment property, underwriters will consider on a case by case basis. Single family, town house, condominium
• Minimum loan amount of $300,000 maximum five million.
• Credit: No FICO required… international credit reports are acceptable or four credit references from country of origin is required… If you need alternative forms of credit, then get what you can with the idea that your job is make the underwriter comfortable…that is, you could provide a letter from an employer, bank, or creditor, get utility bills, etc. Your goal is to put the underwriter at ease regarding the borrower’s credit worthiness.
• Income:
o We require 2-years income verification history. It is not necessary to have U.S. tax returns…tax documents from country of origin is okay. If the country of origin does not require the borrower to file the equivalent of tax returns, then we need paystubs, bank statements, an employment letter on company letter head explaining compensation, etc.
• Assets:
o Must source seasoned assets in a known verifiable worldwide financial institution (i.e., Credit Suisse, HSBC, UBS, Bank of Tokyo)…the funds cannot be in an institution which cannot be verified.
We need the past sixty days of real bank statements all the pages. Any unusual deposits that are not payroll or business must provide source (as in money moved into an account must also have a copy of the deposited check and deposit slip if not employment income). The main reason for sourcing the income and assets is for OFAC (Office of Foreign Assets Control) which monitors foreign countries, regimes, known terrorists, etc. In addition, the borrower’s name, employer, and financial institution from the country of origin where the borrower has their funds will be run through an OFAC verification engine to ensure they do not show up…this is done by an underwriter but here is the OFAC website if you would like to check it out. Once the list downloads, search for your borrower’s last name and any AKAs…if nothing comes up, you’re good to go.
*Translator – Tax Preparer or Equivalent – Financial Analysis:
o If the income and asset documentation is in a foreign language, I advise you get a translator. It may be necessary for you to hire an Accountant/CPA (tax preparer or equivalent) to analyze, interpret, convert and present the information in such a way so the Underwriter can easily understand it. That is, have a comprehensive summary and accounting of the borrower’s financial position. However, a language translator may suffice and would probably be less expensive.
o Include a business card or letterhead of the translator, tax preparer or CPA so the underwriter can contact if needed.
o All U.S. Embassies provide translation services but this can be time consuming.
• Not required to have a Social Security Number or Tax Identification Number TIN or ITIN must be applied for, not actually issued before we start. Borrower  to apply for a TIN number with the IRS here:
• Copy of Passport and a second form of valid ID (driver’s license or other photo ID).
• Power of Attorney is not permitted. The borrower will have to go to an American consulate to sign and have loan documents notarized. Or find an AMERICAN notary with US notary license.
• Verification of mortgage or Verification of Rents  is required for previous 12 months.
• Pledged Assets is permitted, however, the assets must be in a U.S. bank account.
• Reserves of 12-months full debt service (including all payments, cars, etc.).
• You can apply online here:
Or complete and email to

International Citizens can get mortgage loans in the United States.
I'm in Irvine and Newport Beach California

Zěnme wàiguó rén cóng zhōngguó kěyǐ zài měiguó huòdé ànjiē dàikuǎn
huòdé měiguó zhùfáng dàikuǎn shì fèishí, xūyào yīgè liánghǎo de jīn'é
wénshū gōngzuò, jíshǐ měiguó gōngmín. Zhèlǐ shì nǐ suǒ xūyào zhǔnbèi de chángguī lièbiǎo.
Suǒyǒu wénjiàn yīng zài PDF huò Word wéndàng géshì, bìng míngquè kě dú.
Xiàngmù kěyǐ tōngguò diànzǐ yóujiàn fāsòng dào C G.
Wàiguó rén:
•Tóuzī zǔhé kě tiáozhěng lìlǜ dàikuǎn de Avaiable
•jièkuǎn rén yǒu méiyǒu lǜkǎ, méiyǒu qiānzhèng.
•Zuìgāo 60%ànjiē chéngshù; wǒmen zuòwéi chéngxiāo èr yuàn... Rúguǒ yī xiàng tóuzī wùyè, chéngxiāo shāng jiāng kǎolǜ zài zhú àn jīchǔ. Dān jiā dú hù, lián pái biéshù, gōngyù
•$ 300,000 zuìgāo 500 wàn zuìdī dàikuǎn jīn'é.
•Xìnyòng: Wúxū FICO... Guójì xìnyòng bàogào shì kěyǐ jiēshòu de, huò cóng yuán chǎn guó sì zīxìn zhèngmíng shì bìxū de...... Rúguǒ nǐ xūyào dàikuǎn de tìdài xíngshì, ránhòu ràng nǐ kěyǐ yǔ nǐ de gōngzuò shì ràng zhǔ chéngxiāo shāng shūfú de xiǎngfǎ...... Zhè shì, nǐ kěyǐ tígōng cóng gùzhǔ de xìn, yínháng huò zhàiquánrén, ná dào shuǐdiàn fèi děng nǐ de mùbiāo shì bǎ chéngxiāo shāng ānxīn guānyú jièkuǎn rén de xìnyù.
O wǒmen xūyào 2 nián de shōurù zhèngmíng lìshǐ. Zhè shì méiyǒu bìyào yǒu měiguó bàoshuì biǎo... Shuìwù wénjiàn cóng yuán chǎn guó shì hǎo de. Rúguǒ yuán chǎn guó méiyǒu yāoqiú jièkuǎn rén bànlǐ nàshuì shēnbào de děng jià, nàme wǒmen xūyào paystubs, yínháng duì zhàngdān, duì gōngsī xìn tóu de gùyōng xìn, jiěshì bǔcháng děng.
O bìxū zài yīgè yǐ zhī de kě héchá de quánqiú jīnróng jīgòu (lìrú, ruìshì xìndài, huìfēng yínháng, ruì yín, dōngjīng yínháng) cǎigòu jīngyàn fēngfù de zīchǎn...... Zījīn bùnéng zài wúfǎ yànzhèng de jīgòu.
Wǒmen xūyào zhēnzhèng de yínháng duì zhàngdān de suǒyǒu wǎngyè zài guòqù liùshí rì. Rènhé bù xúncháng de cúnkuǎn bù shǔyú gōngzī huò qǐyè bìxū tígōng yuán (rú zījīn zhuǎnyí dào yīgè zhànghù hái bìxū jùyǒu chénjī zhīpiào hé cúnkuǎn dān, rúguǒ méiyǒu gōngzuò shōurù de fùběn). Qí zhǔyào yuányīn cǎigòu de shōurù hé zīchǎn shì wàiguó zīchǎn kòngzhì bàngōngshì (wàiguó zīchǎn kòngzhì bàngōngshì) fùzé jiāncè guó wài, zhìdù, yǐ zhī de kǒngbù fèn zi děng, cǐwài, jièkuǎn rén de xìngmíng, gùzhǔ, yǐjí cóng yuán chǎn guó de jīnróng jīgòu, qízhōng jièkuǎn rén de zījīn jiāng tōngguò OFAC yànzhèng yǐnqíng shàng yùnxíng, yǐ quèbǎo tāmen bù huì xiǎnshì chūlái... Zhè shì yóu chéngxiāo shāng wánchéng, dàn zhèlǐ shì wàiguó zīchǎn kòngzhì bàngōngshì wǎngzhàn, rúguǒ nǐ xiǎng jiǎnchá chūlái. Yīdàn lièbiǎo xiàzài, sōusuǒ nǐ de jièkuǎn​​rén de xìng hé rènhé AKAS... Rúguǒ méiyǒu chūxiàn shí, nǐ shì hǎo qù.

*Yì zhě - bàoshuì huò děngtóng xuélì - cáiwù fēnxī:
O rúguǒ rù xī jí zīchǎn de wénjiàn shì wàiwén de, wǒ quàn nǐ dédào yīgè fānyì. Zhè kěnéng xūyào nǐ pìnqǐng kuàijìshī/zhùcè kuàijìshī (bàoshuì huò tóngděng xuélì), yǐ fēnxī, jiěshì, zhuǎnhuàn hé zài zhèyàng yīzhǒng fāngshì, bāoxiāo shāng kěyǐ hěn róngyì dì lǐjiě qí tíjiāo de xìnxī. Yě jiùshì shuō, yǒu jièkuǎn rén de cáiwù zhuàngkuàng jìnxíng quánmiàn zǒngjié hé kuàijì. Rán'ér, yǔyán fānyì kěnéng jiù zúgòule, bìng hěn kěnéng huì gèng piányí.
O bāokuò fānyì, bàoshuì huò CPA de míngpiàn huò xìnjiān suǒyǐ chéngxiāo shāng kěyǐ gēnjù xūyào qǐng liánxì.
O suǒyǒu měiguó shǐguǎn tígōng fānyì fúwù.
•Bù yāoqiú yǒu yīgè shèhuì ānquán hàomǎ huò shuì hào TIN huò ITIN bìxū shēnqǐng, bù shíjì fāxíng zài wǒmen kāishǐ zhīqián. Jièkuǎn rén zài zhèlǐ shēnqǐng yǔ IRS TIN hàomǎ:Http://Www.Irs.Gov/Individuals/International-Taxpayers/Obtaining-an-ITIN-from-Abroad/
•hùzhào de fùyìn jiàn hé yǒuxiào shēnfèn zhèngjiàn de dì èr zhǒng xíngshì (jiàshǐ zhízhào huò qítā yǒu zhàopiàn de zhèngjiàn).
•Bù yǔnxǔ shòuquán wěituō shū. Jièkuǎn rén jiāng bùdé bù qù dào měiguó lǐngshìguǎn qiānshǔ bìng yǒu dàikuǎn wénjiàn gōngzhèng. Huòzhě zhǎo yīgè měiguó gōngzhèng měiguó gōngzhèng xǔkě zhèng.
•Suǒ xū de qián 12 gè yuè de ànjiē huò zūjīn de héchá yànzhèng.
•Dǐyā zīchǎn shì yǔnxǔ de, dànshì, zīchǎn bìxū shì zài měiguó de yínháng zhànghù.
•12 Gè yuè de quán huán běn fù xī chúbèi (bāokuò suǒyǒu fùkuǎn, qìchē děng).
•Nín kěyǐ zài zhèlǐ zàixiàn bàomíng:Http://Eaglehomemortgage.Com/carolinegerardo/

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