PIN IT

1/30/2014

Foreign National Mortgage Loans


Laguna Beach window

 

FOREIGN NATIONAL MORTGAGE PROGRAM

An intricate part of providing a comprehensive

portfolio product line is offering mortgage loans

to Canadians, Europeans, Australians and anyone from

a country of residence that is not OLFAC restricted.

These transactions can be complex and require

a Borrower to organize documentation in pdf

formats to be able to easily supply information.

My experienced underwriting and processing teams

will assist you, on a loan by loan basis, through the steps to

acquire the appropriate documentation.

 

FOREIGN NATIONALS

•The borrower is not required to have a Social Security

number, Green Card or visa.

•No FICO score is required. We will accept foreign

credit reports to demonstrate credit worthiness or

satisfactory alternate credit, from country of origin.

•Second Home: 60% LTV to 2 million, 55% LTV to

$3 million, and 50% LTV to $5 million.

•Interest only is available.

•Income documentation is required.

•IF Borrowers have time, they can establish a FICO score

  By opening secured cards

•If the documentation is in a foreign language, it needs

•A valid passport and a second form of ID is required.

•Loan amounts up to $5,000,000. We will consider

loan amounts over $5,000,000 on a case by case basis.

If the borrower has a Green Card or Visa: 70% LTV to $1 million.

DIFFERENCE

•We specialize in Jumbo ARMs

•Portfolio Lender

•Expanded Guidelines: Loan amounts to $5,000,000

•Exception Lending: Simple process and quick turn-around

 





外籍人士按揭計劃


提供全面的複雜的一部分


組合產品線,提供按揭貸款


加拿大人,歐洲人,澳大利亞人和任何人


居住的國家,是不是OLFAC限制。


這些交易可能會非常複雜,需要


借款人來組織文檔的pdf


格式可以輕鬆地提供信息。


我的經驗豐富的承保和加工團隊


會協助您,在貸款按貸款的基礎上,通過步驟


獲取相應的文檔。






外國公民


•不要求借款人有一個社會保障


數,綠卡或簽證。


•無需FICO評分。我們將接受外國


信用報告,以證明信用或


滿意備用信貸,從原籍國。


•第二個家: 60 %按揭成數至200萬, 55 %為按揭成數


300萬美元和50 %按揭成數至5萬美元。


•唯一的興趣是可用的。


•需要收入證明文件。


•如果借款人有時間,他們可以建立一個FICO評分



打開固定卡


•如果文件是外文的,它需要


•有效的護照和ID的第二種形式是必要的。


•貸款金額高達500萬美元。我們會考慮


貸款按個別金額超過對案件500萬美元。


如果借款人有綠卡或簽證: 70 %按揭成數至100萬美元。


差異


•我們專注於ARM的珍寶


•貸款人組合


•擴展的準則:貸款金額500萬美元


•例外貸款:工藝簡單,快速的周轉
Lā gǔ nà hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn xiàn, tígōng ànjiē dàikuǎn



Jiānádà rén, ōuzhōu rén, àodàlìyǎ rén hé rènhé rén



Jūzhù de guójiā, shì bùshì OLFAC xiànzhì.



Zhèxiē jiāoyì kěnéng huì fēicháng fùzá, xūyào



Jièkuǎn rén lái zǔzhī wéndàng de pdf



Géshì kěyǐ qīngsōng de tígōng xìnxī.



Wǒ de jīngyàn fēngfù de chéngbǎo hé jiāgōng tuánduì



Huì xiézhù nín, zài dàikuǎn àn dàikuǎn de jīchǔ shàng, tōngguò bùzhòu



Huòqǔ xiāngyìng de wéndàng.







Wàiguó gōngmín



•Bù yāoqiú jièkuǎn rén yǒu yīgè shèhuì bǎozhàng



Shù, lǜkǎ huò qiānzhèng.



•Wúxū FICO píngfēn. Wǒmen jiāng jiēshòu wàiguó



Xìnyòng bàogào, yǐ zhèngmíng xìnyòng huò



Mǎnyì bèiyòng xìndài, cóng yuánjí guó.



•Dì èr gè jiā: 60%Ànjiē chéngshù zhì 200 wàn, 55%wèi ànjiē chéngshù



300 Wàn měiyuán hé 50%ànjiē chéngshù zhì 5 wàn měiyuán.



•Wéiyī de xìngqù shì kěyòng de.



•Xūyào shōurù zhèngmíng wénjiàn.



•Rúguǒ jièkuǎn rén yǒu shíjiān, tāmen kěyǐ jiànlì yīgè FICO píngfēn



Dǎkāi gùdìng kǎ



•Rúguǒ wénjiàn shì wàiwén de, tā xūyào



•Yǒuxiào de hùzhào hé ID de dì èr zhǒng xíngshì shì bìyào de.



•Dàikuǎn jīn'é gāodá 500 wàn měiyuán. Wǒmen huì kǎolǜ



Dàikuǎn àn gèbié jīn'é chāoguò duì ànjiàn 500 wàn měiyuán.



Rúguǒ jièkuǎn rén yǒu lǜkǎ huò qiānzhèng: 70%Ànjiē chéngshù zhì 100 wàn měiyuán.



Chāyì



•Wǒmen zhuānzhù yú ARM de zhēnbǎo



•Dàikuǎn rén zǔhé



•Kuòzhǎn de zhǔnzé: Dàikuǎn jīn'é 500 wàn měiyuán



•Lìwài dàikuǎn: Gōngyì jiǎndān, kuàisù de zhōuzhuǎn
 
외국인 모기지 프로그램


포괄적 를 제공하는복잡한 부분


포트폴리오 의 제품 라인은 주택 담보 대출 을 제공하고 있습니다


캐나다 , 유럽 , 호주 및 사람 에서 에


거주국가가 OLFAC 제한 되지 않도록 .


이러한 거래는 복잡 하고 필요할 수 있습니다


PDF 로 문서를 구성하는 차주


형식은 정보를 쉽게 제공 할 수 있습니다.


내 경험이 풍부한 보험 처리 팀


하는 단계 , 대출 기준 에 의한 대출 에 도움을 줄 것입니다


해당 문서 를 획득 .






외국인


•대출 은 사회 보장 에게 해야 할 필요가 없습니다


수 , 그린 카드 또는 비자 .


• 어떤 FICO 점수 가 필요하지 않습니다. 우리는 외국 을 받아 들일 것이다


신용도 나 방법을 설명하기 위해 신용 보고서


원산지 에서 만족 대체 신용 .


• 두 번째 홈 : 60 % LTV 만 55 % LTV 에 2


3백만달러 , 50 % LTV 에 5백만달러 .


• 이자 에만 사용할 수 있습니다.


• 소득 서류 가 필요합니다.


• 차용자 시간이 있으면 , 그들은 FICO 점수를 설정할 수 있습니다



보안 카드를 열어


문서 가 외국어 인 경우 • , 그것은 필요


•유효한 여권 및 ID 의 두 번째 양식 이 필요합니다.


• 대출 5백만달러 까지 도달한다 . 우리는 고려할 것


대출 은 케이스 바이 케이스 에 5,000,000 달러 금액 .


1 백만 달러 70 % LTV : 차주는그린 카드 또는 비자 가있는 경우 .


DIFFERENCE


• 우리는 엄청나게 큰 무기 전문


• 포트폴리오 대출


• 확장 지침 : 대출 금액 5,000,000달러 에


• 예외 대여 : 간단한 프로세스와 빠른 턴 어라운드



















外籍 人士 按揭 计划


提供 全面 的 复杂 的 一部分


组合 产品 线,提供 按揭 贷款


加拿大人,欧洲人,澳大利亚人 和 任何 人


居住 的 国家,是OLFAC限制 不是.


这些 交易 可能 会 非常 复杂,需要


借款 人 来 组织 文档 的PDF


格式 可以 轻松 地 提供 信息.


我 的 经验 丰富 的 承保 和 加工 团队


会 协助 您,在 贷款 按 贷款 的 基础 上,通过 步骤


获取 相应 的 文档.






外国 公民


• 不 要求 借款 人 有 一个 社会 保障


数,绿卡 或 签证.


• 无需FICO评分.我们 将 接受 外国


信用 报告,以 证明 信用 或


满意 备用 信贷,从 原籍 国.


• 第二 个 家: 60 %按揭 成 数 至200万, 55 %为 按揭 成 数


300万 美元 和50 %按揭 成 数 至5万 美元.


• 唯一 的 兴趣 是 可用 的.


• 需要 收入 证明 文件.


• 如果 借款 人 有 时间,他们 可以 建立 一个FICO评分


打开 固定 卡


• 如果 文件 是 外文 的,它 需要


• 有效 的 护照 和ID的 第二种 形式 是 必要 的.


• 贷款 金额 高达500万 美元.我们 会 考虑


贷款 按 个别 金额 超过 对 案件500万의美元.


借款 人 有 绿卡 或 签证 如果: 70 %按揭 成 数 至100万 美元.


差异


• 我们 专注 于ARM 의的 珍宝


• 贷款 人 组合


• 扩展 的 准则:贷款 金额500万 美元


• 例外 贷款:工艺 简单,快速 的 周转







편집을 취소취소













이 번역 은 원본보다 더 나은 무엇입니까?네, 번역 제출
제출 주셔서 감사합니다.
라 gǔ 나 hǎitān chuāngkǒu







Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn 데 fùzá 데 yībùfèn



Zǔhé chǎnpǐn 시안 (西安) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu 렌 , àodàlìyǎ 르네 그는 RENHE REN



Jūzhù 데 guójiā , 시 부시 OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng 후이 fēicháng fùzá , xūyào



Jièkuǎn 렌 라이 zǔzhī wéndàng 데 PDF



기 GeSHi kěyǐ qīngsōng 데 tígōng xìnxī .



Wǒ 데 jīngyàn fēngfù 데 chéngbǎo 그는 jiāgōng tuánduì



HUI xiézhù NIN , 자이 dàikuǎndàikuǎn 데 jīchǔ 상 , tōngguò bùzhòu



Huòqǔ 위 Xiangying 데 wéndàng .






Wàiguó 공민왕



• BU yāoqiú jièkuǎn 렌 yǒu yīgè shèhuì bǎozhàng



슈 lǜkǎ Huo의 qiānzhèng .



• Wúxū FICO 의 píngfēn . Wǒmen 지앙 jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huo의



Mǎnyì bèiyòng xìndài , 콩 yuánjí 구오 .



• 디 어 GE 지아 : 60 % Ànjiē chéngshù 다우 200 WAN , 55 % 웨이 ànjiē chéngshù



300 완 메이 위안 그는 50 % ànjiē chéngshù 다우 5 완 메이 위안 .



• 웨이이 데 xìngqù 시 kěyòng 데 .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO 의 píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn 시 wàiwén 데 , 조교 xūyào



• Yǒuxiào 데 hùzhào 그는 ID 드 디 어 zhǒng xíngshì 시 bìyào 데 .



• Dàikuǎn jīn'é gāodá 500 완 메이 위안 . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò 음주 운전 ànjiàn 500 완 메이 위안 .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huo의 qiānzhèng : 70 % Ànjiē chéngshù 다우 100 완 메이 위안 .



Chāyì



• Wǒmen zhuānzhù 유 ARM 드 zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn 데 zhǔnzé : Dàikuǎn jīn'é 500 완 메이 위안



• Lìwài dàikuǎn : 궁이 의 jiǎndān , kuàisù 데 zhōuzhuǎn
laguna bichi ui chang








oegug-in mogiji peulogeulaem



pogwaljeog leul jegonghaneunbogjabhan bubun



poteupollio ui jepum lain-eun jutaeg dambo daechul eul jegonghago issseubnida



kaenada , yuleob , hoju mich salam eseo e



geojuguggaga OLFAC jehan doeji anhdolog .



ileohan geolaeneun bogjab hago pil-yohal su issseubnida



PDF lo munseoleul guseonghaneun chaju



hyeongsig-eun jeongboleul swibge jegong hal su issseubnida.



nae gyeongheom-i pungbuhan boheom cheoli tim



haneun dangye , daechul gijun e uihan daechul e doum-eul jul geos-ibnida



haedang munseo leul hoegdeug .







oegug-in



•daechul eun sahoe bojang ege haeya hal pil-yoga eobs-seubnida



su , geulin kadeu ttoneun bija .



• eotteon FICO jeomsu ga pil-yohaji anhseubnida. ulineun oegug eul bad-a deul-il geos-ida



sin-yongdo na bangbeob-eul seolmyeonghagi wihae sin-yong bogoseo



wonsanji eseo manjog daeche sin-yong .



• du beonjjae hom : 60 % LTV man 55 % LTV e 2



3baegmandalleo , 50 % LTV e 5baegmandalleo .



• ija eman sayonghal su issseubnida.



• sodeug seolyu ga pil-yohabnida.



• chayongja sigan-i iss-eumyeon , geudeul-eun FICO jeomsuleul seoljeonghal su issseubnida



boan kadeuleul yeol-eo



munseo ga oegug-eo in gyeong-u • , geugeos-eun pil-yo



•yuhyohan yeogwon mich ID ui du beonjjae yangsig i pil-yohabnida.



• daechul 5baegmandalleo kkaji dodalhanda . ulineun golyeohal geos



daechul eun keiseu bai keiseu e 5,000,000 dalleo geum-aeg .



1 baegman dalleo 70 % LTV : chajuneungeulin kadeu ttoneun bija gaissneun gyeong-u .



DIFFERENCE



• ulineun eomcheongnage keun mugi jeonmun



• poteupollio daechul



• hwagjang jichim : daechul geum-aeg 5,000,000dalleo e



• ye-oe daeyeo : gandanhan peuloseseuwa ppaleun teon eolaundeu




















oejeog insa ange jì huà



jegong jeonmyeon jeog fù zá jeog ilbubun



zǔhab chǎnpum xiàn,jegong ange dàigwan



ganadaein, ōuju-in,odaeli yàin hwa imha in



geoju jeog guóga,siOLFAChanje busi.



zhèsa gyoyeog ganeung huì bisang fù zá,suyo



chagwan in lái zǔ zhī mun dàng jeogPDF



gyeogsig gai qīngsong ji jegong sinsig.



a jeog jīng yàn bongbu jeog seungbo hwa gagong tuán duì



huì xiéjo nín,jae dàigwan an dàigwan jeog gi chǔ sang,tong guò bo zhòu



huòchwi sang yīng jeog mun dàng.







oe guó gongmin



• bu yogu chagwan in yu il gè sa huì bojang



shù, lǜjab hog qiān zhèng.



• musuFICO píngbun.a men jiāng jeobsu oe guó



sin-yong bàogo,i zhèngmyeong sin-yong hog



mǎnui bèiyong sin dài, cóng wonjeog guó.



• jei gè ga: 60 %ange seong shù ji200man, 55 %wèi ange seong shù



300man miwon hwa50 %ange seong shù ji5man miwon.



• yuil jeog xìngchwi si gayong jeog.



• suyo su-ib zhèngmyeong mungeon.



• yeogwa chagwan in yu shí jiān,ta men gai geonlib il gèFICO píngbun



ta kāi gojeong jab



• yeogwa mungeon si oemun jeog, tā suyo



• yuhyo jeog hùjo hwaIDjeog jei zhǒng hyeongsig si pil-yo jeog.



• dàigwan geum é go dá500man miwon.a men huì go lǜ



dàigwan an gè bié geum é cho guò duì angeon500man-uimiwon.



chagwan in yu lǜjab hog qiān zhèng yeogwa: 70 %ange seong shù ji100man miwon.



cha yì



• a men zhuānju uARM uijeog jin bǎo



• dàigwan in zǔhab



• kuòjeon jeog jun zé: dàigwan geum é500man miwon



• lye-oe dàigwan:gong yì jiǎn dān,kwaesog jeog ju zhuǎn








pyeonjib-eul chwiso
chwiso














i beon-yeog eun wonbonboda deo na-eun mueos-ibnikka?
ne, beon-yeog jechul

jechul jusyeoseo gamsahabnida.

la gǔ na hǎitān chuāngkǒu








Wàijí rénshì ànjiē jìhuà



Tígōng quánmiàn de fùzá de yībùfèn



Zǔhé chǎnpǐn sian (seoan) , tígōng ànjiē dàikuǎn



Jiānádà REN , ōuzhōu len , àodàlìyǎ leune geuneun RENHE REN



Jūzhù de guójiā , si busi OLFAC xiànzhì .



Zhèxiē jiāoyì kěnéng hu-i fēicháng fùzá , xūyào



Jièkuǎn len lai zǔzhī wéndàng de PDF



gi GeSHi kěyǐ qīngsōng de tígōng xìnxī .



Wǒ de jīngyàn fēngfù de chéngbǎo geuneun jiāgōng tuánduì



HUI xiézhù NIN , jai dàikuǎndàikuǎn de jīchǔ sang , tōngguò bùzhòu



Huòqǔ wi Xiangying de wéndàng .







Wàiguó gongmin-wang



• BU yāoqiú jièkuǎn len yǒu yīgè shèhuì bǎozhàng



syu lǜkǎ Huoui qiānzhèng .



• Wúxū FICO ui píngfēn . Wǒmen jiang jiēshòu wàiguó



Xìnyòng bàogào , yǐ zhèngmíng xìnyòng Huoui



Mǎnyì bèiyòng xìndài , kong yuánjí guo .



• di eo GE jia : 60 % Ànjiē chéngshù dau 200 WAN , 55 % wei ànjiē chéngshù



300 wan mei wian geuneun 50 % ànjiē chéngshù dau 5 wan mei wian .



• weii de xìngqù si kěyòng de .



• Xūyào shōurù zhèngmíng wénjiàn .



• Rúguǒ jièkuǎn REN yǒu shíjiān , tāmen kěyǐ JIANLI yīgè FICO ui píngfēn



Dǎkāi GUDING kǎ



• Rúguǒ wénjiàn si wàiwén de , jogyo xūyào



• Yǒuxiào de hùzhào geuneun ID deu di eo zhǒng xíngshì si bìyào de .



• Dàikuǎn jīn'é gāodá 500 wan mei wian . Wǒmen HUI kǎolǜ



Dàikuǎngèbié jīn'é chāoguò eumju unjeon ànjiàn 500 wan mei wian .



Rúguǒ jièkuǎn REN yǒu lǜkǎ Huoui qiānzhèng : 70 % Ànjiē chéngshù dau 100 wan mei wian .



Chāyì



• Wǒmen zhuānzhù yu ARM deu zhēnbǎo



• Dàikuǎn REN zǔhé



• Kuòzhǎn de zhǔnzé : Dàikuǎn jīn'é 500 wan mei wian



• Lìwài dàikuǎn : gung-i ui jiǎndān , kuàisù de zhōuzhuǎn
 

1/27/2014

Upside Down in your USDA loan ?


Outdoor Living, Green Chinese Ceramics

Succulent low water garden

French Patio setting
Rural Homeowners Rejoice!

USDA Home Loan Borrower Program Brings Refinancing Relief

A new pilot program recently announced by the White House allows owners with USDA-insured mortgages to take advantage of today's low rates – and lower their monthly mortgage payments. If your home loan is backed by the United States Department of Agriculture, you may qualify for streamlined refinancing with:
§ No new property appraisal required
§ Reduced documentation requirements
§ You can be upside down

  To be eligible for this new program:

You cannot have missed any mortgage payments in the past 12 months.

Borrowers in the following states may meet the program requirements: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Rhode Island, South Carolina and Tennessee.

Don't Wait! Take advantage of this program to get relief from your high mortgage payments now!


Caroline Gerardo Loan Officer NMLS #324982

EMAIL: CarolineGerardo@eaglehm.com

http://www.eaglehomemortgage.com/carolinegerardo
http://cgbarbeau.blogspot.com/  



Committed to Seeing You Home. 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. Caroline Gerardo | Eagle Home Mortgage 8105 Irvine Center Drive #500, Irvine, CA 92618

Refinance Rates Dipped

Refinance

1/22/2014

How Much Home Do You Qualify For?

 How much home do you qualify for?
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Interest rates can greatly affect your loan amount and how
much home you can afford.
Your credit history, the type of mortgage you choose, loan amount, and current market conditions are all things that affect your interest rate.
In addition to the interest rate, the loan amount and sales price you qualify for is determined by your income, and monthly debt. However, there are many options available that will allow you to purchase a home with less cash required and a lower payment...
 
Call to see how much home YOU qualify for.
 
LOPhoto
Caroline Gerardo
Loan Officer
NMLS #324982
Cell 949-637-8190
Office 949-784-9699
eFax 855-883-4303
CarolineGerardo@eaglehm.com
www.eaglehomemortgage.com/carolinegerardo
Committed to Seeing You Home.
Eagle Home Mortgage
8105 Irvine Center Drive Suite #500
Irvine CA 92618
LOLogo
Image
NMLS #849059 NMLS #324982 Caroline Gerardo (949) 637-8190 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.
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1/17/2014

SSN Printouts No More




Blue shingles


Yellow House

 


Dear Prospective Mortgage Borrower:

Important upcoming changes to the services at Social Security offices across the country.

As of February 2014, the Social Security Administration will no longer offer Social Security number (SSN) printouts and benefit verification information in our field offices.  However, to ensure a smooth transition, we will continue providing these services if requested until April 2014.  We are making these changes to meet the increasing demands for our services at the same time that our agency budget has been significantly cut by over $1B in each of the last three years.  During this same time period we have invested in technology that offers more convenient, cost-effective, and secure options for our customers to obtain certain services without visiting a local office.

Because the SSN printout is not an official document with security features, and is easily duplicated, misused, shared illegally, or counterfeited, eliminating it helps prevent fraud.  Employers, departments of motor vehicles, and other entities requiring SSN verification can obtain this information in real time or overnight using online government services such as E-Verify and Social Security’s Business Services Online.  Beneficiaries and recipients needing a benefit verification letter can obtain one immediately by registering for a my Social Security account at www.socialsecurity.gov/myaccount, or through the mail within 5–7 days by calling our national toll-free number, 1-800-772-1213.

I appreciate your support for this effort as we work to provide the best possible service to the American people.  For future updates and news visit www.socialsecurity.gov/thirdparty .

If you have questions, please feel free to contact me directly:  Caroline Gerardo at
Eagle Home Mortgage, A Lennar Company,  (949) 637-8190   NMLS# #324982
This is about Federal cost savings.
Make sure you keep your pink white and black long fold 1099 over forms.
 
You may need them to apply for a loan, or reverse mortgage 

 
Public Affairs Specialist
Social Security Administration of The United States

1/15/2014

Target Boycott



Dear Gregg Steinhafel CEO of Target:

I am a victim of the Target fraud. Offering ProtectMyID is a foolish move.
Experian's software does not do anything to protect from fraudulently charging
on a credit card.
 
I don't expect Target to hunt down the Armenian Mafia, and the Russian mob
who hack credit cards in the billions BUT an insider closed their eyes, allowed
someone access and or saw someone install a scanner and some camera equipment.
Target employees know more than you admit to the public.

Banks also get hacked, they are often silent about the crimes- they pay the loss
and pray the FBI or local police will accidentally run into the criminals.

You need better security because this is still happening today.
My loss was over eight thousand dollars, some of which VISA paid but they won't
point a finger at Target, instead they point blame to some unknown gas station attendant.

Fraud is eating away at the security and confidence in America. While I appreciate your apology,
Target needs to actually do something. ProtectMyID is a joke and an insult to your customers.
Although I have been a red ball flag waver for your brand, a stock holder and a frequent shopper
who spends hundreds of dollars each visit. I will be shopping elsewhere until you tell me you have
reviewed video of every scanning machine at each register to find embed devices that capture card numbers. I suggest everyone boycott your brand. Target likely still has pinhole cameras in stores, in your credit card hubs and headquarters that offer up information to these criminals.

That you take so long to find out they got into your online business is an example of sleeping at the helm. As a shareholder - I say, "you are fired." 

#target #breach thanks for sharing my email, home address, telephone number, social security number, credit card, spending habits and dog license with organized crime

Calling Target Shoppers
 Caroline Gerardo Barbeau
 
 copyright 2014
 
 

From: Target.com
To: carolinegerardo@
Sent: Wednesday, January 15, 2014 6:00 AM
Subject: Important message from Target to our guests

IMPORTANT INFORMATION from TARGET

 
Dear Target Guest,
As you may have heard or read, Target learned in mid-December that criminals forced their way into our systems and took guest information, including debit and credit card data. Late last week, as part of our ongoing investigation, we learned that additional information, including name, mailing address, phone number or email address, was also taken. I am writing to make you aware that your name, mailing address, phone number or email address may have been taken during the intrusion.
I am truly sorry this incident occurred and sincerely regret any inconvenience it may cause you. Because we value you as a guest and your trust is important to us, Target is offering one year of free credit monitoring to all Target guests who shopped in U.S. stores, through Experian’s® ProtectMyID® product which includes identity theft insurance where available. To receive your unique activation code for this service, please go to creditmonitoring.target.com and register before April 23, 2014. Activation codes must be redeemed by April 30, 2014.
In addition, to guard against possible scams, always be cautious about sharing personal information, such as Social Security numbers, passwords, user IDs and financial account information. Here are some tips that will help protect you:
  • Never share information with anyone over the phone, email or text, even if they claim to be someone you know or do business with. Instead, ask for a call-back number.
  • Delete texts immediately from numbers or names you don’t recognize.
  • Be wary of emails that ask for money or send you to suspicious websites. Don’t click links within emails you don’t recognize.
Target’s email communication regarding this incident will never ask you to provide personal or sensitive information.
Thank you for your patience and loyalty to Target. You can find additional information and FAQs about this incident at our Target.com/databreach website. If you have further questions, you may call us at 866-852-8680.
Gregg Steinhafel
Chairman, President and CEO

1/13/2014

Is It a Good Time to Refinance?

Committed to Seeing You Home.
Loan Officer
Caroline Gerardo
CarolineGerardo@eaglehm.com
Irvine CA 92618
8105 Irvine Center Drive Suite #500
Eagle Home Mortgage
855-883-4303
949-784-9699
949-637-8190
eFax
Office
Cell
NMLS #324982
Is now the right time to refinance?
Call Today.
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.
Your adjustable rate mortgage payment is increasing.
You want to consolidate monthly debt such as credit
cards, car loans, etc.
Your current interest rate is higher than today's rate
and you want a lower payment.
You want to “cash out” equity to use for college tuition,
vacation, or home improvements.
It could be, if...
As a mortgage professional, I
have helped many different
types of people with many
different needs. Together, we
can discuss your situation and
see if now is the right time for
YOU to refinance.

1/11/2014

Living At the Beach

South Laguna Beach home in the morning

Living at the beach has many benefits. Research demonstrates that the view of the sea reduces stress, better air quality improves lung capacity and encourages a healthier lifestyle. I remember my Grandmother with her white legs in the waves patting the salt water on her arms telling us, “ocean water is good for you.” I believe what she said is true.
The ocean also offers natural beauty that people who have daily access to the wonder seem more appreciative of sunsets, the changes in the tide and moments changing in our daily lives.
Living near the daily moisture poses a couple problems to your home. The exterior will require more frequent painting, sealing the windows and looking for rust. Our rooftops seem to get yellowish mold, and actual green moss tends to grow on the north side of brick or mortar. A simple scrub with bleach diluted will keep these at a minimum.
Enjoy winter with moderate temperatures. I had coffee this morning in my backyard listening to the sounds of the tide and enjoying the birds. Perhaps I will walk down to the beach and splash some of those positive ions on us all. Have a happy day!