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9/22/2014
Moving Expenses Deductable?
9/18/2014
中國公民申請按揭在美國
需要的項目申請按揭貸款：
護照複印件
駕駛執照副本
ITIN號碼
o國際信用報告的參考，
Ø主體性的完整地址
Ø目前年稅收法案，現行保險法案
o對於公寓最新維護法案
HUD1閉幕詞，如果在過去24個月購買
Ø完整的地址，
Ø租約的副本，如果租
Ø從你的會計師的信件翻譯成英文，其中包括：
•公司名稱
•您的標題
•業務類型
•持股比例
•年收入在過去兩年
而本年度至今
Ø要打印的就業核查函
在公司信箋（翻譯成英文），指出：
•您的姓名和職務
•工作開始日期
•補償過去的3年
•聯繫信息
Ø銀行對賬單後六個月
在中國過去兩年的報稅表翻譯成英文
這裡完整的按揭貸款申請：申請http://eaglehomemortgage.com/carolinegerardo/
註冊並填寫所附表格
借款人支付鑑定費的前期，這是不退還
借款人必須簽署最終文件與美國公證
關閉在美國抵押貸款作為一個中國公民確實需要一個很好的協議
文書工作和開放的信息披露
https://drive.google.com/file/d/0B21qMvohjmkvcHNUSHd6WG03cjg/edit?usp=sharing
Caroline Gerardo
(949) 784-9699
efax 855-883-4303
9/17/2014
Burning Dropbox
.jpg) |
| Burning Dropbox |
Dropbox drives me crazy. Certain clients love to use it
thinking it provides the security and ability to send taxes and bank statements
for their loan applications. I always work in the format or system the client
is most comfortable. If they want to text, I put on my glasses and text all
day. If they want to meet face to face in their home, that is often the easiest
method to get the paperwork I need out of their hands in one or two sweeps. If
they want to use Dropbox I do it but it is so frustrating. Dropbox seems to
delete files, make them into weird encrypted formats and one day the file is
gone the nest it reappears.
Dropbox was affected by the heartbleed hacker virus. I assume
it has had other security breaches, but like banks they keep it quiet. I have worked for a couple banks over my twenty nine year career in mortgage
banking. When an account is compromised or
a teller steals, it rarely gets in the news. Certain banks fire the criminal employee who
may end up at some other financial services bank. The bank covers the money
loss and tells the customer “it will never happen again.”
In today’s world where we depend on the security and ease
of the internet it is difficult to imagine going back to only handwriting on
paper and United States Postal Service.
What Dropbox does is a single encryption key that employees
can see your files. One must assume that hackers try to contact Dropbox
employees in every method of spam and enticement to access the global
duplication of data. Users can’t read the data of others it is scrambled into
pieces like a shredder does to paper.
Read more here for five suggestions that are better than
superior to and some even cheaper than Dropbox:
If you are a hacker Dropbox and any data storage or cloud
storage would be a great place to steal private information.
One of the signature elements of Dropbox is
global duplication of data information. All uploads are “hashed” with a digital
signature which is checked against all the data from every other user.
If you upload a file that Dropbox has already
viewed, it gives a pointer to the duplicate file chunks rather than your own.
The universal access to data reads the duplicate file.
Dropbox for Teams stinks. Sure the company
added a unified control panel for accounts associated with a business, but is
very limited in practical use. There was no Active Directory or LDAP
integration for single-sign-on. Dropbox
rolled out new software for Teams into Dropbox for Business and added Active
Directory and Single Sign-On one might think they have improved, but no they
have not.
There’s still no content audit or control
mechanism, so users can use “unlimited” online Business storage for whatever
they want, be it personal or sensitive (see “Security”). About the only thing
an admin can do is see who’s sharing what outside the Business and the last
thing they did. That’s not much functionality.
Dropbox really needs to upgrade their systems to
appeal to corporate America. When a system goes down during working hours customers
want answers and processes right away. There is nothing worse than the feeling
that all your hard work has burned up in smoke and disappeared. Dropbox doesn’t
have help information answers to questions readily published. They added AD support. BUT they never answer questions
quickly. There is no link on their website that says contact us here. There is
the banking cop out to type in a tiny box your query and pray they will get
back to you. Employees do not post or use email.
Dropbox is not useful for public links in
business. Dropbox will suspend the use of public
links if a link generates more than 20GB per day of downloads for free users
and 200GB for paid users. Dropbox is terrible with photographs and video that
tend to be much larger images.
Go
to their Facebook business page and there are thousands of people complaining about
lost files and no response from Dropbox. They won’t allow people to write on
their Facebook wall- with good reason – there would be angry and obscene
comments from paying clients. It appears they don’t monitor the Facebook page
as they never respond to anyone. Or perhaps some intern is allowed to post but
never read or answer. Type Dropbox and you will see bloggers and others all
complaining about purchasing a paid service that doesn’t work.
Okay
so stop your whining C. G. If clients want to use Dropbox, you will use it. There
are better services, actually thousands of them. If the client feels safe using
Dropbox, I am going to keep rebooting my computer, clearing the history and
trying again.
My
work email is encrypted and very secure. It is so good at catching spam that
few to zero get through. If I type nine numbers in a row (such as in a social
security number) in the body of an email or as an attachment it places a second
layer of security on the file.
A
couple alternatives to Dropbox:
Google
Drive
Spideroak
Mega
Cubby
Media
Fire
Or
you can bring your box of papers to me and I will copy them, and then scan them
into our system. We handle information that must be kept secure. I see
Borrowers income taxes, bank statements, credit reports and perhaps a window
into their lives more closely than other types of jobs. I will treat my client’s
information with the highest security and respect that they deserve.
Caroline
Gerardo ( C. G. Barbeau)
Eagle
Home Mortgage a Lennar Homes Company
8105
Irvine Center Drive # 500 Irvine California 92618
Also
Newport Beach California 92660
NMLS
# 324982
(949)
637-8190 (949) 784-9699
E fac
855- 883- 4303
Mortgage
Banker here to answer your questions and close your loan
Thank
you for reading. What do you think about Dropbox?
.
9/16/2014
Mortgage For Bruce Wayne?
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| Bruce Wayne's house |
.JPG) |
| What Americans think they look like on paper |
Only Bruce Wayne can get a home loan?
Only
superheroes get a home loan?
Wells Fargo released their survey today of a
little over two thousand Americans about home ownership and mortgage.
The
results are interesting. The popular opinion is only the rich and uber-wealthy with
perfect credit and loads of cash can qualify for a loan today.
Perhaps that is not far off from Freddie Mac Fannie
Mae guidelines plus add bank overlay
rules, it is difficult for some to get a conventional rate mortgage after the crash.
However, every day I see more niche
products cropping up to dispel this myth. Americans and foreign nationals can find home loans that suit their needs.
For specifics of the respondents of the Wells Fargo survey:
Seventy four percent of respondents answered:
“know and understand” the process involved in buying a home.
I think this number reflects a self-conscious
answer rather than fact. Every day I remind Borrowers of the five circles that
make up a mortgage loan approval. Not one day passes when a potential Borrower
argues about supplying necessary paperwork or only provides a small percentage
of what is necessary to get approval.
Thirty percent of respondents stated that
only individuals with high incomes can obtain a mortgage.
Not true at all in fact smaller loans seem to be easier to close
§
Sixty
four percent of respondents believe they must have an excellent credit score to
buy a home.
Not true a FICO I closed a loan recently with a FICO score of 510
§
Sixty
four percent of respondents said that they are knowledgeable about how much of
a down payment is needed to buy a home, nearly half (44 percent) also believe
that a 20 percent down payment is required.
Not true there are some 0 down programs and 3.5% for FHA
o
When
respondents aged eighteen to thirty four were asked to list the biggest
barriers to owning a home, lacking the funds for a down payment was among the
most difficult issue.
o
Save
save and gifts
§
Nearly
half (forty four percent) of those who answered the survey said that they know
nothing or very little about the closing costs required for buying a home.
This varies state to state and who the escrow or attorney is
Generally in an escrow state costs are about 3% in table funding state 5%
or less
About half of the respondents feel they do not have
access to homes that fit their needs financially.
Perhaps cost of homes in areas are high
The ten things that really go into mortgage loan approval:
1. Identification driver’s license and social security cards
2. Paycheck stubs past month or profit and or loss year to
date for self employed
3. W-2 forms and Federal income taxes signed past two years
4. Bank statements, asset statements, 401 k past two months
5. 401 k terms of withdrawal.
6. Decent Credit history- this we can work on credit can be
patched
7. Landlord information or mortgage statement, fire hazard
bill and Homeowner Association statement.
8. Collateral property information and money for appraisal
9. Property appraises for value and is in habitable
condition, Condominiums have other guidelines.
10.
Patience,
and an email address you open daily to send pdf. documents because more paperwork
may be needed.
You do not have to be a superhero to get a home loan.
But if you want us to include the income from your side line job as
crime fighter and upholder of Gotham City,
Bruce Wayne you must be declaring your income from your Bat Man gig.
Caroline Gerardo
NMLS 324982
cell phone number: (949) 784-9699
Lennar Homes company
9/09/2014
Garage Sale How To
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DO Not allow anyone into your garage or home. Wear clothing with pockets for money. Do not carry a purse. Lock the entry door to your home
I own a home in an Orange County Neighborhood that is expensive. It isn't spelled out in our CCR's that a rummage sale is not allowed. However, yard sales and garage sales are frowned upon. This is a quick and easy method to have a sale that cleans out clutter in your home, recycles things that are usable and makes a little cash. You will be cleaned up before anyone complains.
Step ONE
Three Days before the Sale make eight direction signs. I had a couple old political signs. I used the armature and added card board and paper left over from my children's school art homework projects. The signs only need provide direction from the main road to your home. Don't spend money to do this, improvise and recycle.
Call Saint Vincent De Paul for the pickup of what is left over on Monday. The best day for yard sales are a Saturday after the 1st or 15th when people receive a paycheck
Step Two two days before:
Ask your children to remove twenty articles of clothing that don't fit or they haven't worn in two years. Put together old books, toys, appliances, furniture, things you haven't repaired but were thinking about doing but a year went by. All the "stuff "should be loaded into the garage. You can color code price tags or just use colored painter's tape. Think pricing of fifty cents up to ten dollars. The average item being one dollar. You need card tables, some ladders, hangers, and about sixty dollars in one dollar bills for change.
The Friday the day before:
1.Post a Craig's list Ad enter photographs of any large items you want to sell. Add that you will not be taking early birds. Supply a phone number where they may contact you. You do not hold anything. All things are sold for cash only.
2. Check that you have coffee and some paper cups ( you can sell coffee or give it away) Frankly you can sell anything. I had great success selling potted basil plants
3. The night before remind you helper that they have to get up an hour before the sale. Typically your sale will be from 8:00 AM - 11:00 AM (don't go all day - the most sales happen early)
The morning of the sale at 6:30 turn the coffee on. Run and put signs up, pull the tables out on the driveway, put anything such as a ladder with broom handle or hanging area for clothing. If people can see the items, they will buy. Don't just put a box of clothing out. Try to make the items look desirable. Put big items to block your garage doors. You can block the garage with a simple rope or colored tape.
Smile, answer questions, greet the people as they walk up.
No you are not holding anything.
No you don't take checks.
Things that sell: toys, children's clothing that looks clean, gadgets, tools, crafts, appliances, seasonal decorations, sporting goods, stuff you hoarded...
This is a thrifty way to clean out closets and de-clutter. It can bring in some cash. This makes room for your home to be new and fresh. It is also a good way to prepare to sell your home.
Total time invested : five hours
Think of it as money making recycling.
9/07/2014
Laguna Niguel Farmer's Market
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Laguna Niguel farmer’s market is the best in Orange County.
Sundays 8:00 AM to 12:00 PM.
If it is hot, vendors reduce pricing around 11:00 AM because less customers show up.
If you go late at 11:25 AM some vendors put their local produce on sale
items will be picked over but vendors discount.
Buy Local
Buy Organic
Save money at the farmer's market
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| heirloom multi colored carrots |
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| red chili and jalapeno |
Laguna Niguel farmer’s market is the best in Orange County.
Sundays 8:00 AM to 12:00 PM.
If it is hot, vendors reduce pricing around 11:00 AM because less customers show up.
If you go late at 11:25 AM some vendors put their local produce on sale
items will be picked over but vendors discount.
Buy Local
Buy Organic
Save money at the farmer's market
27271 La Paz Laguna Niguel California 92677
I suggest you buy what is in season that day. Don't go with a preconceived exact list of what you want. Purchase what is fresh and available. Try a small quantity of a new vegetable. Vendors give free samples and recipe advice
I suggest you buy what is in season that day. Don't go with a preconceived exact list of what you want. Purchase what is fresh and available. Try a small quantity of a new vegetable. Vendors give free samples and recipe advice
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| winter melon |
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| farmers market organic |
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| peaches sweeter than mother in law |
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| Yellow and Red Chili |
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| Heirloom Tomatoes |
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| Local Organic Produce Cheap |