Mortgage Rates Down

Mortgage rates
are down!

Let's see how
low limbo
your payment
might go!

Call now!


Home Fund IT

Call me for details on HOME FUND IT
set up your own website and start the savings account

call me
949-  784- 9699


For Sale By Owner

Review your mortgage options before you sell your home. Do it while you have time to improve your FICO and credit. Do it while interest rates are low in March 2018. Let's plan together what amount of money you will net in your hands and what new house payment fits your needs. We have tools to help sell your home: flyers, appraisal, tips to get top dollar for your house.

Home Fund It

mortgage money

Happy Saint Patrick's Day
Rather than going out for green beer...
let's talk about saving for your down payment

Ask all your family and friends to fund the down
payment for the new home you need

Increase Your Down Payment With Home Fund IT

Ask me how to close a home mortgage fast

Home Down Payment

First Time Home buyers biggest obstacle is down payment.
We have a new and exciting solution to saving for down  payment and closing costs.
This product works just like a go fund me account.
Buyers share their own personal story and friends and relatives deposit into their
No gift letter is needed.
No donor bank statement is needed.
Realtors can set up their own website.
Buyers can set up their own website.
IT is easy.
Ask me how.
C G 
949- 784-9699

 Wait wait and we give the, $1500 AND FReddie MAC gives them $1500
in addition to what thety saved from gifts from friends and family.
This is great if you have an uncle who doesn't want to provide a gift letter
or his bank statement. Or someone self employed who has cash to donate to you


The Big Z Zillow incorrect?

Zillow vs. Redfin: Who has the Most Accurate Estimate?

CMG Image
Real estate websites like Zillow and Redfin are a resource for home buyers or homeowners looking to get an idea of the value of a home they are interested in buying or refinancing.  Like any free tools, Zillow and Redfin’s valuation estimate tools are not 100% reliable.  Homeowners upgrade homes over time, some neighborhoods have homes with comparable attributes, while other homes are more spread out and very different from their nearest neighbors.  Understanding that free real estate resources will not be perfect every time, who has the most accurate estimate tool: Zillow or Redfin?
An independent study showed Redfin had a median national error rate of just 1.77% for homes that are currently on the market, and a median national error rate of 6.66% for homes that are not currently on the market.  As of February 2019, Redfin has a total of 74.4 million properties in its database, 1.3 million that are listed for sale, and 73.1 million are off market.  Zillow does not segment its margin of error by homes that are  listed for sale versus homes that are off market. 

 Zillow’s median national error rate is 4.5%.  However, Zillow has enlisted the support of data scientists around the world to reduce its median national error rate to 4.0%. 
For many professional appraisers, a 4% median error rate is acceptable, however it’s important to understand that a median national error rate can be skewed.  In new home communities, where homes are based on select plans the margin of error will likely be lower.  In rural communities where homes are more spread out, there will be fewer neighbors to compare to, and likely a larger margin of error.  In communities where homes are older and fewer homes have been recently sold, the data will be older and thus the margin of error will be larger. 

While real estate websites can help you get an idea of what your home is worth or a home you are looking to buy, real estate professionals have access to other valuation tools and listing services, including the MLS.  Through the MLS, Realtors and real estate agents get early access to listings before they are public.  Professional appraisers are also trained to value all of the specific details of a home including upgrades, age, area, and other factors that may not be detected by generic valuation algorithms. 
If you want to have a professional valuation for free, contact me

Sources: Chicago Tribune


Free Appraisal California

I have a tool to share with you that
actually has live human appraisers
review a property value.

This would be useful for listing
appointments for Realtors

Or Home owners who want to
know the value of their residential
property before they refinance or sell

If you want me to build a custom
site for your business - call me

here's the link

happy memory

my home site

C G Barbeau   - Caroline Gerardo Barbeau

NMLS 324982

(949)   784- 9699