10/02/2018

Refinance! Save for Tomorrow











Got a notice from your lender your HELOC rate is going up?
Payment increasing?
Call me to talk about strategies to save money.
The Fed is not going to stop increasing...

I you have a Home Equity Line of Credit the interest rate and
payment will rise. Typically your maximum rate is eighteen
percent, just like a credit card rate, very expensive.
$100,000.00 at six percent your payment is $1,110.21
$100,000.00 at eighteen percent payment is $1801.85

C G
(949) 784- 9699
NMLS #324982



9/25/2018

Want Down Payment Help?


















Down Payment Assistance For You in California

We have our own program that is not a silent second or lien

Call me to ask how to qualify for this money waiting to be your
sweet grandmother gift.

here are some links to programs that I offer in California

California

9/10/2018

Emergency Plans

Be READY for an Emergency

My Fall List to get your box/ suitcase/ bag ready


Bottled water one gallon a day for each person to drink
5 days supply dry and canned foods
battery radio
flashlight and many extra batteries
Prescription medications and glasses
Infant formula and diapers
Pet food and extra water for your pet
Important family documents such as copies of insurance policies, identification and bank account records in a waterproof  container
Cash and change
Emergency reference material such as a first aid book
First Aid Kit - not just the store bought basics add bandages
duct tape
dust mask
plastic tarp
moist towelettes
plastic bags
wrench, pliers, screwdrivers, knife
can opener
sleeping bag or warm blanket for each person
clothing including a long sleeved shirt, long pants and sturdy shoes.
Household chlorine bleach and medicine dropper – When diluted nine parts water to one part bleach, bleach can be used as a disinfectant. Or in an emergency, you can use it to treat water by using 16 drops of regular household liquid bleach per gallon of water. Do not use scented, color safe or bleaches with added cleaners.
Fire Extinguisher
Matches in a waterproof container
extra lighter
Feminine supplies and personal hygiene
Mess kits, paper cups, plates and plastic utensils, paper towels
Note pad, Paper and pencil
rope
string
weapon of choice
practice turning off gas- not really turn off just get out tools, look at your switch. watch some youtube videos how to turn it off

8/28/2018

Move into a $440000. house






























$65000 annual income
buys a $440000 house
with $100000 down


or if you are self employed
we have bank statement programs

We also have grant programs that give you the down payment

Call to ask about qualifying for a home mortgage
C G (949) 784- 9699

NMLS 324928

This is not a commitment to lend