Silver Lining in Reverse Mortgages

In the last weeks I have had a number of calls for reverse mortgages
Perhaps I need to re-look at the silver lining in HECM's
For someone who owns a home that they want to stay in until
they go to heaven they make sense.
Reverse mortgages are a hybrid FHA project.
No payment is necessary, but property taxes and fire insurance
must be maintained current by the Borrower.
Makes sense for certain people
Let's chat about it
Caroline Gerardo Eagle Home Mortgage, Universal American Mortgage
NMLS 324982

Close your Mortgage On Time

Chicken Little by J G Chandler

The sky is falling
The stock market crashed
TRID is coming
geez
I got this email today:

TRID has real estate agents panicked. Now's your chance to be the hero.
Delayed closings. Adding 15 days to their transactions. Doing walkthroughs a week early (how you are supposed to convince a seller to move out a week early is beyond me).
There are the nightmares shared by agents across the country, and the kicker is that the entities they depend on are actually making it worse...perpetuating the misinformation and freaking everyone out.
It's time you stepped in to save them, and win their trust and their business at the same time.
OriginatorSuccess has made it easier for you to do that by creating a multi-page PDF Agent FAST FAQ guide, and we're giving it to you FOR FREE to share as your own.
We've even made it easy for you to brand it before you share it. This guide isn't going to be available for long though, so you better download it now...
Go ahead, download their two hundred dollar
junk infomercial right here:XXX

Don't worry it isn't going to crash your 
mortgage closings.

Caroline Gerardo at Eagle Home Mortgage 
has you covered. We close on time.
Low rate, great service, loans that make
sense (949) 784-9699

Call me to get on the MLS

Caroline Gerardo Senior Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303   CarolineGerardo@eaglehm.com www.eaglehomemortgage.com/carolinegerardo   Eagle Home Mortgage 100 Spectrum Center Drive Suite 500 Irvine CA 92618   CALL ME FOR THE CODE TO SIGNON 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, NV #3244. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

Shop the MLS Free

Would you like real time free  access to the multiple listing service? Shopping for a home in California and have grown tired of Zillow, Trulia and Redfin showing photographs of homes that already closed?

Contact Caroline Gerardo with Eagle Home Mortgage ( a Lennar company) for a free trial. Look all night long on the MLS during your free time. When you are ready, get preapproval and then make your best offer.

Go ahead shop until you drop or find that perfect home online direct on the MLS. Do your shopping from home and then have your Realtor get you into your top picks.

(949) 637-8190 cell

Direct Lender

Lenders like to say they are direct. They also say they are big or have assets or they are fast. They just might be wearing a funny hat and can't close your home on time

Here are the top twenty Companies and banks that Closed Mortgage Loans in the United States in 2012.

	Flagstar Bank	Troy, MI	$53,586,827,000	94%/6%	221,237	$26,612,567,904	2,871	50	20
2	Guaranteed Rate	Chicago, IL	$14,710,666,093	0%/100%	53,411	$6,800,000,000	750	49	12
3	Freedom Mortgage Corp.	Mount Laurel, NJ	$13,772,356,120	71%/29%	65,163	$3,589,663,484	125	50	23
4	PrimeLending, PlainsCapital Company	Dallas, TX	$13,735,022,825	0%/100%	66,670	$8,787,254,188	1,185	50	27
5	Stearns Lending Inc.	Santa Ana, CA	$11,810,814,448	82%/18%	48,655	$5,692,804,090	560	49	23
6	Pinnacle Capital Mortgage	Roseville, CA	$7,647,142,667	32%/68%	29,732	$4,999,555,953	995	13	5
7	Sierra Pacific Mortgage Co. Inc.	Folsom, CA	$7,559,405,058	75%/25%	29,917	$5,162,249,725	368	48	27
8	Mortgage Master Inc.	Walpole, MA	$7,305,861,638	0%/100%	23,809	$5,285,471,564	250	22	25
9	United Shore Financial Services LLC	Troy, MI	$7,041,740,634	88%/12%	34,091	$1,797,284,739	75	49	27
10	Fremont Bank	Fremont, CA	$7,000,016,431	24%/76%	25,024	$3,771,706,000	33	3	49
11	George Mason Mortgage LLC	Fairfax, VA	$6,577,775,135	38%/62%	18,617	$3,893,934,538	155	10	26
12	W.J. Bradley Mortgage Capital LLC	Centennial, CO	$6,495,740,657	0%/100%	22,187	$2,378,546,301	440	22	11
13	Guild Mortgage Co.	San Diego, CA	$6,441,077,578	10%/90%	31,691	$3,571,310,464	802	37	52
14	Fairway Independent Mortgage Corp.	Sun Prairie, WI	$6,001,390,613	8%/92%	29,377	$3,609,673,149	522	45	16
15	Caliber Funding LLC	Irving, TX	$5,484,274,224	65%/35%	23,068	$891,506,517	211	47	5
16	Cole Taylor Mortgage	Ann Arbor, MI	$5,187,000,000	81%/19%	20,617	$1,880,000,000		41	3
17	Primary Residential Mortgage Inc.	Salt Lake City, UT	$4,990,129,796	0%/100%	25,715	$3,473,560,028	831	50	14
18	New Penn Financial	Plymouth Meeting, PA	$4,773,680,000	41%/59%	19,268	$1,492,728,813	468	46	5
19	Academy Mortgage	Sandy, UT	$4,663,752,424	0%/100%	25,935	$3,327,846,391	705	44	25
20	Mortgage Services III LLC	Bloomington, IL	$4,599,082,172	80%/20%	20,699	$2,880,410,086	122	42	6

W.J. Bradley was number 12 last year and in June of 2013 we were number five. The only Bank on the list is Flagstar - forget about Wells Fargo, Chase, Bank of America they aren't in the top 150.

My company has the smallest number of  mortgage loan originators in the top 50. We also have the fastest turn time. Caroline Gerardo with W J Bradley closed purchase loans in eleven days. Think of me as the little engine that could. Call and find out what is the difference between a real direct lender who has assets to weather the storm.

(949) 637-8190  C. G. Barbeau  NMLS # 324982

Caroline Gerardo Mortgage Loans

It's a good question. Why should you choose W.J. Bradley to obtain your home financing? You get bombarded by ads, mailers and spam from lots of mortgage lenders. How do you know which bank or mortgage company to call? Who do you click on?

Here are some great reasons to choose C G and WJB:

Direct lender. No middleman, no broker, just you and your loan officer.

Experienced. Caroline Gerardo Barbeau (C. G.) has been a mortgage lender since 1988. She has worked in Newport Beach almost as many incredible years serving Borrowers looking for best mortgage.

Caroline has closed more than two billion dollars in residential home loans.

She has bought and sold nearly eighty properties herself.

She has seen it all and has contacts to help make your mortgage transaction sail through.

Her goal is to offer the best advice free to assist you in selecting the financing that best fits your needs. Caroline has owned properties up and down the State of California. She lives in South Orange County, California

Products you need. From FHA to ARMs to jumbos to HomePath loans, HARP 2.0 no limits, underwater, Purchase, Investment, Refinance, Jumbo, Super Jumbo, Coastal Loans and Land Loans, you name it- If Caroline doesn’t have the loan or loans she will give you to the person who does.

She offers financing to fit nearly every borrower's needs.

Cutting-edge technology. We know it's a high-tech world, and we're using that to our — and your — advantage. I can tell you where in the process your loan is at any time. I even know whose desk it's on.

Fast and flawless. We are fast and we are accurate, which means you close on time. In fact, we lead the industry with our turn times.

Commitment. You're not a number. You are a client that I value highly. I am committed to explaining the loan process and helping you make informed choices.

I’m available any time. Clients call me at 5:30 AM or after work. I will work the way that suits your needs- email, text, telephone call, go to your home, sit on the kitchen table, fax, or messenger. I want to hear from you today and after you close your home mortgage loan.

I welcome your questions on the weekends. I’m no stodgy banker who turns off the phone at five o'clock.

At W.J. Bradley, you come first. Period. I'm here to help you get what you need. Call me today to learn more about what W.J. Bradley and I can deliver

Caroline Gerardo Also known as C. G. Barbeau

Mortgage Banker 23041 SW Birch Newport Beach California 92660

W.J. Bradley Mortgage Capital, LLC

Office: 949.637.8190

Cell: 949.784.9699

NMLS: 324982

http://www.mywjb.com/caroline-gerardo/

 

 

A little birdy told me

http://mywjb.com/caroline-gerardo/


My W J Bradley Mortgage Capital LLC website went live today.
I hope to add blog posts about real estate financing and local Orange County
market news directly into the new website. Newport Beach, Laguna Beach, South Orange County Real Estate News

Please go take a look and tell me  what you think. Photograph of a silly little birdy telling you where to find Caroline Gerardo 's website

Greed Free

Caroline Gerardo's short fiction story Greed is Free on Amazon released June 2011

Short story Lust released on Amazon June 26th 2011

my camera has a mind of it's own

Accidental Self Portrait

Don't you love it when you are holding your camera and it just does what ever it wants to see.

Reflections before the snow. So Blessed not to be in New York this week. May everyone keep warm. Here the temperature is 78 in Orange County and I am sitting in the sun without a sweater.

Vacation Photograph

Photograph of C. G. Barbeau on vacation with Tony R Smith celebrating his pomotion to Simmons Bedding.

Final edited draft completed. George Leonard - I spiked it on the kitchen table.

I decided to go with Amazon's start up Creat Space, although I have two offers
from what I call brick and mortar paper publishers. One ( starts with a P) estimates
time to printed book in hand to be ten months.

I hold a strong belief the book is suspenseful, timely, and clean writing.

I let go of all my passive past sentence structure and changed from first person
to what I might call an over the shoulder viewpoint. Edits took ten months.

Note to any writers: Think about the point of view in the first Chapter not after
you have written the last line. Point of view was a stickler for two agents and
I took the advice, which was not easy on the ear, and slowly plowed through the
changes. My final writing style in the piece is less Southern Gothic and more
Hemingway than I ever planned. The style fits the theme.

"Toxic Assets" is done.