I'm serving snacks - most from my organic garden for
a real estate preview. I carved the butternut squash to act
as cups holding roasted nuts, olives and placed a big variety
of cheese on a wooden platter.

Aren't the colors just beautiful?

Someone took one of the butternut squash sculptured
cups and there was a big bite mark.

Did they not know what it was?
Next time I'm going to be really crazy and serve
boquerones, alici (white anchovies) with spicy sauce
hard boiled quail eggs, and olives

CHF Golden State Finance Authority

 CHF/ GSFA Lenders

CHF is changing its name to Golden State Finance Authority (GSFA).
View E-News Bulletin here.
What Has Already Transitioned?
Our website now displays the Authority’s new name: Golden State Finance Authority (GSFA). A new logo is also displayed.
What You Can Expect Next
· Over the next couple of weeks, you will notice the CHF name on our Online Reservation System change to GSFA.
· The respective programs, CHF Platinum and CHF MCC will change to GSFA Platinum and GSFA MCC.
· The Program Documents available for download through the Online Reservation System will also reflect the Authority’s name change soon. (i.e. Grant letters and reservation confirmations will display GSFA as the sponsor.)
· NOTE: The EIN # for the Authority remains the same.
Mortgage Lenders and Home Borrowers
We ask that you circulate this information to your branch offices and respective loan officers participating in our home ownership programs.
As always, if you have questions, let us know. We appreciate your patience during this transition.

Golden State Finance Authority
1215 K Street, Suite 1650
Sacramento, CA 95814

Note: Golden State Finance Authority (GSFA) was formerly known as CRHMFA Homebuyers Fund (CHF). A formal name change is pending.


FHA CHEAPER Streamline Refinance for Cheaper payment

FHA Reduces Single Family 

Annual Mortgage Insurance Premium 


Rates for 

Most Title II Forward Mortgages

1/12/2015  Federal Housing Administration (FHA) published 

 Reduction of FHA Annual MIP Rates and Temporary Case Cancellation Authority.
 This Mortgagee Letter implements the 50 basis point (0.50%)
 reduction in FHA’s annual Mortgage Insurance Premium (annual MIP) rates for
 most Single Family Title II forward mortgages 
announced by the President Obama on January 8, 2015. 
 This rate reduction furthers the Administration’s and FHA’s 
ongoing goal to prudently expand access to 
mortgage credit for individuals and families across a range of incomes.

1/22/2015 FICO 700 30 year
rate 3.875% APR 3.989
costs for a $400000. loan :
streamline no appraisal
Escrow $510 title $510 recording $110
Underwriting and processing $1295
plus prepaid interest, taxes if due and
hazard if due
NEW MIP is lower RATE is lower
Call for a free quote - you might even
be able to go conventional.


LOWER your monthly


Call me

(949) 637-8190

30 year rates in the 3's

15 year rates in the 2's

Rates change daily

The annual MIP rate reduction is effective for FHA
Case Numbers assigned on and after January 26, 2015
for most Title II forward mortgages with amortization
terms greater than 15 years.

Today’s Mortgagee Letter includes a table which shows
the current and new annual MIP rates by amortization term,
base loan amount, and loan-to-value ratio.
The rate reductions have also been incorporated into FHA’s
Mortgage Insurance Premiums table for forward mortgages.
This updated Mortgage Insurance Premiums
table will be integrated into FHA’s
Single Family Housing Policy Handbook (HUD Handbook 4000.1)
 at the next available update.
Temporary Case Cancellation Authority
FHA will temporarily approve Case Number Cancellation Requests for loans with FHA Case Numbers assigned but not yet closed, to allow mortgagees to obtain the reduced annual MIP rates. Mortgagees must submit Case Number Cancellation Requests under this temporary authority using the submission instructions specific to this temporary authority posted today on FHA’s Case Processing Requirements web page.
Mortgagees may begin requesting Case Number cancellations on January 15, 2015, but must submit all Case Number Cancellation Requests under this temporary authority by 11:59 p.m., Eastern, on February 26, 2015. Mortgagees should not order new Case Numbers under this temporary authority until they have confirmed in FHA Connection that the previous Case Number has been cancelled.

What does this mean?
started after the MI rates jumped in 2009
Save money monthly on your MIP premium also
mortgage rates are much lower. Reduce your monthly
payment by refinancing sometimes without an appraisal

Call me even if you already
streamlined you may be able to
refi free for lower monthly payment
Loans in process at a bank?
Cancel and come over to lock at today's rates

old MIP rates
assigned on or after January 26, 2015.
Term 15 Years
80b s
85b s 100b s
105b s
45b s
70b s
95b s
Base Loan Amt. $625,500


Previous MIP
130b s 135b s
150b s
155b s
Term 15 Years

45b s 70b s
70b s 95

NMLS #324982


Home Made Bath Fizzie Recipe

lovely soaking tub
Home made bath salt steamer simple cheap and easy
Here is the recipe (recipes)

Rubber ice cube tray works best
Mine I bought in the dollar rack at Target or Daiso
Old cookie sheet
one box  baking soda (1 LB baking soda = sodium bicarbonate)
1 tablespoon corn starch
fresh herbs 20 leaves
1/2 cup water

Choice of oils see #1 #2 or #3

Mix dry ingredients in a bowl
break up any lumps with your fingers

In a small pot boil some fresh mint or rosemary (whatever
herb you have growing and enjoy with about 1/2 cup water
Allow the water to cool and toss the plant material
Rosemary awakens vitality, mint makes happy
keep the green water aside for the end

For the smell you have a couple choices:
#1 the easy cold and cough remedy
Vick's Vapor Rub a tablespoon the
eucalyptus is great for cold or sinus
Camphor is a cough suppressant and analgesic
menthol is also a cough suppressant and analgesic
Vick's Vapor Rub has petroleum that's a little messy
Blend slowly into the baking soda mix

OR #2 you can make your own cough and cold mix:
1/8 cup coconut oil
10 drops of Eucalyptus Oil
10 drops of Peppermint oil
5 drops of Rosemary oil
Blend slowly into the baking soda mix

Or #3 for a relaxing soothing shower:
1/8 cup coconut oil
10 drops lavender oil or
15 drops of Kneipp lavender bath oil
2 drops of rose oil

I prefer to use organic -
Mountain Rose also has great products

You are mixing one of the three batches
of oils into the dry mix with your fingers

Add drops of the mint water (you may
only need 2 tablespoons it depends on
how humid it is.

The paste should be sticky
It is thick like pastry dough

Press tightly into the ice cube trays
(you can also use tiny cupcake tins
or roll in a ball)

the rubber ice cube trays work well
because you can press out the shapes

If any are messy just push them back
into the ice cube trays and do them over

Place shapes on old cookie tray

Put in oven set to 200 degrees for
five minutes
Turn off heat, let them cool and
dry in the oven

Place in recycled jars (clean jelly
jar, clean olive jar)

Keep lid off to dry thoroughly
for a day. Then close the lid

Paint the lids with nail polish to
label or add a paper note

The shower steamers can be
placed anywhere in the shower.
They melt and the aromatherapy
opens your sinus and makes you
oh so happy.

I decorate mine with a few
dried flowers on the ribbon
for gifts

Prep time: 5 minutes
Nutrition: not edible I have a friend I gave menthol ones to when he had a cold
and he didn't read the instructions and thought they were cookies. EEEWW ucky

Author: Caroline Gerardo
Category: Bath Soaking Herbs

the steamer can be put in the corner of the shower where hot water will hit it

bath relaxation

ice cube molds for my heart love bath steamers
Analgesic, antibacterial, anti-inflammatory, antimicrobial, antiseptic, antispasmodic, aromatic, carminative, cholagogue, deodorant, , insecticide, sedative,
natural oils, relaxing bath, amazing home made, cheap
Baking soda is a natural cleanser for the shower floor.
You may find the oil a bit slippery, you can wipe the floor dry with an
microfiber towel. The multi surface towels plus the steamers will keep the
shower floor clean.
Olde Timey cure for congestion and common cold

these "molds" are from tuna cans- wash them extra thoroughly 

SAVE money FHA CHEAP MIP and rate

Beach Cottage
SURF's up for FHA refinance

WASHINGTON, DC 20410-8000
HOUSING COMMISSIONER annouced today cheaper MIP premiums coupled with lower
interest rates can save you on your monthly payments

January 9, 2015
To: All Approved Mortgagees 

Reduction of Federal Housing Administration (FHA) annual Mortgage
Insurance Premium (MIP) rates and Temporary Case Cancellation Authority

This Mortgagee Letter (ML) communicates lower annual MIP rates for FHA
Title II forward mortgages and provides opportunity for cancellation of
existing case numbers in order to utilize the MIP rates contained in the ML.

Background Pursuant to its statutory mandate, FHA continuously strives to achieve the
appropriate balance between meeting the housing needs of the borrowers
FHA’s mortgage insurance programs were created to serve and minimizing
the level of risk undertaken relative to the insurance of those mortgages.
FHA has determined that the appropriate balance of its statutory operational
goals now requires a reduction of the rate of annual MIP charged pursuant to
Section 203(c)(2)(B) of the National Housing Act (NHA). As provided in
this ML, the total annual MIP charged pursuant to sections 203(c)(2)(B) and
(C) for most Title II Single Family forward mortgages has been revised as
provided in this ML.
Effective Date This ML is effective for case numbers assigned on or after January 26,
2015.Affected Topic This ML reduces the rate for annual MIP for all Title II forward mortgages,
with terms greater than 15 years, except;
single family forward streamline refinance transactions that are
refinancing existing FHA loans that were endorsed on or before May
31, 2009; (before the rates were lower)
Section 247 mortgages (Hawaiian Homelands)
This ML supersedes the annual MIP rates established in ML 2013-4. All
other sections of ML 2013-4 remain in effect.
AFTER May 31 2009
AND MIP  REFUND/ lower premium
Call to see if you can 
take advantage of this today 
(949) 784-9699

The following table shows the existing and the new annual MIP rates by
amortization term, base loan amount and Loan to Value (LTV) ratio. All
New MIP amounts set forth in this table are effective for case numbers
assigned on or after January 26, 2015.
Term > 15 Years
Base Loan Amt. LTV Previous MIP New MIP
≤ $625,500 ≤ 95.00% 130 bps 80 bps
≤ $625,500 > 95.00% 135 bps 85 bps
> $625,500 ≤ 95.00% 150 bps 100 bps
> $625,500 > 95.00% 155 bps 105 bps
Term ≤ 15 Years
≤ $625,500 ≤ 90.00% 45 bps 45 bps
≤ $625,500 > 90.00% 70 bps 70 bps
> $625,500 ≤ 90.00% 70 bps 70 bps
> $625,500 > 90.00% 95 bps 95 bps

CALL NOW to refinance and save money (949) 784-9699
rates can touch the 3%' s now if your FICO is high
APR 3.99 for conforming FHA with middle FICO of 700
Take advantage of this drop now with cheap rates and
lower MIP 

To allow mortgagees to obtain the reduced annual MIP rates contained in this
ML for loans in process with active FHA Case Numbers ie: loans not funded, 
FHA will temporarily approve cancellation requests for active FHA Case Numbers
within 30 days of the effective date of this ML.
FHA will provide operational details on case cancellations through FHA Info
notifications and on FHA’s lender information page available at


Mortgage Rates Dip!

It has been a while since we talked
Mortgage rates have dipped! I am here to save you money, let's plan for 2015. Call me any time.
Caroline Gerardo
Senior Loan Officer
NMLS #324982
Cell 949-637-8190
Office 949-784-9699
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.