4/08/2021

John Everett

comet
The Comet 
This stormy image of the sea is full of wonder.

John Everett (Herbert Barnard) born 1876

Came from wealth and chose a nomadic life at sea. 
His paintings are recognized now long after his death in 1946.
Not enough bits of his life to make the puzzle fit together.


Married Katherine Everett and had two children that he didn't raise.
She became a landscape garden designer- how I wish there were images
of her work. All we have is her novel, Bricks and Flowers.


Painting of the gardens from the manor where Katherine lived 
(artist not sure from notebook owned by Lady Ardilaun)


Ruins At Sandsfoot Castle



Did he change his name to John because he didn't want to be Herb 
like his father or to emulate Millias???












And now what you came here
 to read the exciting ECOA rules.
Sometimes writing about mortgage is not beautiful.
Regarding Fair Access to home loans:

Credit must be made equally available to all creditworthy 
customers who may be eligible or qualified for them,
 in compliance with all fair housing, 
ECOA and applicable lending law. 
The statute makes it unlawful for any creditor 
to discriminate against any applicant with respect to any aspect of a credit transaction 
(1) on the basis of race, color, religion, national origin, sex or marital status, 
or age 

(2) because all or part of the applicant’s income derives from 
any public assistance program (including, without limitation, 
Social Security income and income derived
from Housing Choice Vouchers); and

(3) the applicant’s good faith exercise of any right under the 
Consumer Credit Protection Act, disability, and familial status.”

 *It shall not be an unlawful discriminatory practice to 
consider age in determining credit worthiness 
when age has a demonstrable and statistically sound relationship to a determination 

3/31/2021

Mortgage Rates

pink flowers in wall vases

pink and purple sweet peas










Mortgage rates remain the same as yesterday, 

though the demand decreased.

Home loans at two or three are just an amazing deal in 2021. 

Spring season is seeing some rising. 

Values of homes keep going up.

It is difficult to purchase a home when ten other people 

make over priced offers. 

I have some strategies to get your offer accepted. 

Let's talk about it.

Today's market opened sessions with treasuries 

lower across all maturities.

 The Ten Year yield is at 1.7119, 

0.90 basis points higher than prior closing of 1.7029.

US stocks rise as traders focus on technology 
shares before President Biden reveals his stimulus plan
 which includes a $2.25 trillion boost to infrastructure.
TODAY'S COUPONS:   
Ten Year Notes 94- 21  ( -01.5)
FN 2.5% Coupon 102-22 (+02.5)
Support 1.257%
Resistance 0.793
%
 

3/29/2021

Hipoteca


Necesidad de Hipoteca:

Declaraciones de impuestos Formularios 

del IRS todas las páginas 2019 2020

Formularios W-2 y 1099 para 2019 y 2020.

Talones de cheque de pago de los últimos treinta días.

Extractos bancarios todas las páginas 

de los últimos dos meses.

Identificación con foto.

Carta de concesión de pensión 

/ indemnización laboral / seguridad social.

Factura hipotecaria

Factura de seguro contra incendios 

solo la factura con número de póliza.

 

 

 

Tax returns IRS forms all pages 2019 2020

W-2 forms and 1099 for 2019 and 2020

Paycheck stubs past thirty days

Bank statements all pages past two months

Photo Identification

Award letter for pension

/ workman’s compensation/ social security

Mortgage bill

Fire insurance bill just the bill with policy number



Antique California flowers that grow easy in 

your home garden from seed: 

poppy, nasturtium, succulents, and sunflowers. 

You are my sunshine. 

Let's make getting your next home mortgage full of love.


poppy

nasturtium

 

3/26/2021

Smokey Mountains


Smokey Mountains Trip
trees




 Our trip to see the synchronized fireflies

We stayed in a fabulous AirBnB hosted by Syresa and Lonnie 

in a turn of the century house that was once a farm in Sevierville.

 The Mary Seaton room was charming and cozy. 

We had a reservation to get into the park and a campsite to park 

and wait for the fireworks show. 

Our plan was: park our Enterprise rental car in the space, 

 set up our cameras on tripods in the woods, wait for the witching hours, 

and return happy with photos and videos of the 

lightening bugs dancing in unison. 

I contacted Go Pro ten months in advance about purchasing 

their latest equipment to be able to record in low light or darkness. 

I spoke with Nick Woodman and he assured me this would be successful.

I even practiced on the ranch in moonlight. 

Unfortunately the videos are black darkness...

I can tell you about the fun of finding the old cemetery at night. 

We found two graveyards with fireflies and this was loads 

of fun for myself and my daughter. 

One is in the old ghost town in Elkmont and the other is 

near where we parked at the campsite. Scary fun.

Here are some other short videos. 

We saw Elk, Bears, butterflies, a fox, 

and lots of mosquitoes but all was a blast.

Elk strolling out of the woods to the nice mowed grass

Here comes the Mommies and baby elk calfs




One of the B and B's where we stayed