Las tasas de interés están cerca de los mínimos históricos

Las tasas de interés están cerca de los mínimos históricos
El poder adquisitivo ha aumentado y en muchas áreas el costo del alquiler hoy es mayor que el costo de la adquisición. Algunos dicen que los préstamos hipotecarios son imposibles de obtener sin tener un crédito perfecto y sin dar un 20% de enganche. ¿Desea saber la verdad? Siga leyendo, ya que vamos a citar los tres factores básicos para calificar para un préstamo hipotecario.
Ingresos: Si tiene un trabajo o una fuente constante de ingresos, está listo para iniciar algo grande.  Si mensualmente paga su alquiler a tiempo, esto podría ser más sencillo de lo que piensa.
Activos: Rara vez se necesita un pago inicial del 20%. En realidad hay muchos programas que funcionan con un 5%, 3,5% y, en algunos casos, incluso un 0% de depósito. Además, los costos de cierre a veces pueden ser pagados por los prestamistas, vendedores o provienen de donaciones o subvenciones. Así que si usted piensa que no tiene suerte porque no tiene un montón de dinero en efectivo, no se preocupe. Lo más probable es todavía exista  una solución que pueda funcionar.
Crédito: Si usted paga sus cuentas a tiempo y ha podido evitar enfrentar problemas sustanciales como una quiebra, una ejecución hipotecaria, las ventas al descubierto y juicios, es probable que su crédito se encuentre en buen estado. Los requisitos siempre varían, pero todavía puede haber opciones de préstamo razonablemente flexibles, tales como los programas de garantía de préstamos de la FHA.
Solo con eso. Estos tres elementos son lo básico para obtener préstamos hipotecarios. Habrá excepciones, pero no se deje engañar al pensar que el proceso es imposible. Para los que trabajan y pagan sus facturas puede que no haya mucho que obstaculice el camino hacia su propia casa.
Llame ya, estaremos encantados de ayudarle.


Sincerely,

Caroline Gerardo Barbeau please call me C. G. phone: (949)784-9699 NMLS 324982

© 2019 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS# 1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender,licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025. AZ license #0903132. Georgia Residential Mortgage Licensee #15438. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. Hawaii Mortgage Loan Originator Company License No. HI-1820. Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS department of financial services. Licensed by the Oregon Division of Financial Regulation #ML-3000. Tennessee Mortgage License # 109401. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.

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CMG Financial 949 South Coast Drive Suite 240 Costa Mesa CA 92626

Be careful with EMAILS

 Phishing Scams! 

Stop and Think before you click on links in any email. 

 

EVERY DAY SOMEONE GETS HACKED SCAMMED ROBBED

Don't encourage these criminals

Don't fall prey and open their attachments

My Mom loves to forward email jokes from unknown people - don't do this.

WE don't need the virus and we don't have the time anyways

Billions of emails are sent a day.  That represents a lot of opportunity for phishing scams, in which scammers distribute emails that appear to come from legitimate organizations or individuals and try to entice the recipient into clicking on malicious links or attachments. Spear-phishing is a more targeted type of phishing in which a specific organization or person is the target. The typical goal of phishing attacks is to get you to give up sensitive information such as a Social Security number or financial information. Phishing is also used as a way for attackers to get inside an organization’s network for cyber espionage or other malicious activity. 

Scammers will use spoofed email addresses, phony websites with legitimate logos, or phone numbers to fake customer service centers operated by the scammers. Last year phishing attacks cost organizations $4.5 billion in losses. 

Common Phishing Scams

When it comes to phishing, the best line of defense is you. If you pay attention to potential phishing traps and watch for telltale signs of a scam, you can minimize your risk of becoming a victim. Here are some scenarios you may encounter: 

·         An email appearing to be from a bank, credit card company, or other financial institution requests that you “confirm” your personal account information. Supposedly, your information has been lost, or your account is going to be closed, so it is “urgent” that you respond immediately.

·         A urgent e-mail or txt on mobile device from your boss or Corp. manager/executive asking for you to do them a favor or give some info that is out of the ordinary.

·         A phony email from the “fraud department” of a well-known company asks you to verify your information because they suspect you may be a victim of identity theft.

·         An email may take advantage of a current event, such as a popular data breach, which scammers used to send phishing emails with malicious links for “free credit reporting.”

·         An email claiming to be from a state lottery commission requests your banking information to deposit the “winnings” into your accounts.

·         A scammer pretends to have a large sum of money and needs “someone trustworthy” to help access it. The scammer promises to share the wealth in exchange for your help - specifically, your financial information. 

Easy Tips to Protect Yourself from Phishing       

·         Do not send any sensitive personal information via email. Legitimate organizations will not ask users to send information this way.

·         Visit banking or financial websites by typing the address into the address bar. Do not follow links embedded in an unsolicited email.

·         Only open an email attachment if you’re expecting it and know what it contains. Be cautious about container files, such as .zip files, as malicious files could be packed inside.

·         If you want to verify a suspicious email, contact the organization directly – but don’t call the number which is provided in the email.

·         Use discretion when posting personal information on social media. This information is a treasure-trove to spear phishers who will use it to feign trustworthiness.

·         Use antivirus software to detect and disable malicious programs, such as spyware or backdoor Trojans, which may be included in phishing emails. Keep your Internet browser updated with the latest security patches. 

Disabled Vet Special Property Tax CREDIT

Amended Knight Bill Allows California Disabled Veterans an Extra
Tax CREDIT
You can also go back and amend prior Tax Returns IF you forgot
to take this credit

SPECIAL GIFT TO Disabled Vets Reminder to
Get all the credit you can!
Save money!

This is not tax advise
C G Barbeau


Veterans deemed one hundred percent disabled by the United States Department of Veterans Affairs (VA) are exempt from paying property taxes on up to $100,000 ($150,000 for veterans with household incomes of $40,000 or less) of the value of their principal residence.

(a) An order for a refund under this article shall not be made, except on a claim:

(1) Verified by the person who paid the tax, his or her guardian, executor, or administrator.

(2) Except as provided in paragraph (3) or (4), filed within four years after making the payment sought to be refunded, or within one year after the mailing of notice as prescribed in Section 2635 , or the period agreed to as provided in Section 532.1 , or within 60 days of the date of the notice prescribed by subdivision (a) of Section 4836 , whichever is later.

(3)(A) Filed within one year, if an application for a reduction in an assessment or an application for equalization of an assessment has been filed pursuant to Section 1603 and the applicant does not state in the application that the application is intended to constitute a claim for a refund, of either of the following events, whichever occurs first:

(i) After the county assessment appeals board makes a final determination on the application for reduction in assessment or on the application for equalization of an escape assessment of the property, and mails a written notice of its determination to the applicant and the notice does not advise the applicant to file a claim for refund.

(ii) After the expiration of the time period specified in subdivision (c) of Section 1604 if the county assessment appeals board fails to hear evidence and fails to make a final determination on the application for reduction in assessment or on the application for equalization of an escape assessment of the property.

(B) Filed within six months, if an application for a reduction in an assessment or an application for equalization of an assessment has been filed pursuant to Section 1603 and the applicant does not state in the application that the application is intended to constitute a claim for a refund, after the county assessment appeals board makes a final determination on the application for reduction in assessment or on the application for equalization of an escape assessment, and mails a written notice of its determination to the applicant and the notice advises the applicant to file a claim for refund within six months of the date of the county assessment appeals board's final determination.

(4) Filed within eight years after making the payment sought to be refunded, or within 60 days of the notice prescribed by subdivision (a) of Section 4836 , whichever is later, if the claim for refund is filed on or after January 1, 2015, and relates to the disabled veterans' exemption described in Section 205.5 .

(b) An application for a reduction in an assessment filed pursuant to Section 1603 shall also constitute a sufficient claim for refund under this section if the applicant states in the application that the application is intended to constitute a claim for refund.  If the applicant does not so state, he or she may thereafter and within the period provided in paragraph (3) of subdivision (a) file a separate claim for refund of taxes extended on the assessment which the applicant applied to have reduced pursuant to Section 1603 or 1604.

(c) If an application for equalization of an escape assessment is filed pursuant to Section 1603 , a claim may be filed on any taxes resulting from the escape assessment or the original assessment to which the escape relates within the period provided in paragraph (3) of subdivision (a).

(d) The amendments made to this section by Chapter 656 of the Statutes of 2014 apply to claims for refund filed on or after January 1, 2015.

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Grant Seminar

 Thursday February 21st Event

9:00 AM
Breakfast included
But you must make
a reservation with me

Call me
949   784 - 9699

C G

Grants

Down Payment
Assistance

REFINANCIAMIENTO

OBSTÁCULOS AL REFINANCIAMIENTO: ¿Qué percepciones podrían evitar que ahorres dinero?

«Leí que la tasa de interés debe ser 1 o 2 % más baja que la actual».

Cuando las cantidades promedio de los préstamos eran mucho más bajas, se necesitaba un descenso mayor en las tasas para conseguir ahorros reales. Hoy en día, incluso las diferencias pequeñas pueden tener un gran impacto. La mejor forma de determinar el valor es dividir tus costos por tus ahorros. Esto brinda un período de «equilibrio», y si sabes que usarás tu préstamo luego de ese punto, el resto son ganancias puras.
«Todavía no llegué al punto de equilibrio de mi último refinanciamiento».

Eso tal vez no importe. Refinanciar otra vez requerirá una inversión adicional, pero podría hacerte llegar a un punto de equilibrio general, y a ahorros más grandes, más rápido.

«No quiero agregar años a mi préstamo».

El préstamo nuevo que se crea cuando refinancias es ficticio. Tú determinas la duración real del préstamo según cuánto pagues. Si al bajar tu tasa de interés ahorras $100 por mes, añade ese dinero a tu pago nuevo. Reducirás tu saldo más rápido y alcanzarás la apropiación antes que si hubieras conservado tu préstamo actual.

«Es demasiado caro. Prefiero ahorrar mi dinero».

¡Refinanciar es ahorrar! Las tasas de interés históricamente bajas que actualmente hacen que un refinanciamiento sea tan bueno también hacen que «ahorrar» tu dinero en el banco sea un pésimo negocio. Los bancos solo pagan fracciones de porcentaje por guardar tu dinero, pero invertir en un refinanciamiento te ahorrará cientos de dólares por mes y obtendrás un rendimiento mucho mayor.
Ejemplo: Si cerrar cuesta $3600 con ahorros anuales de $1200, eso es una tasa de devolución del 33 % de tu dinero ($3600 x 33,3 % = $1200).
Lo que es mejor, con frecuencia puedes refinanciar sin usar fondos de tu bolsillo.

Refinanciar también puede tener otros beneficios. 

Una tasa más baja no solo puede significar pagos más pequeños, sino que también pagarás más para el saldo principal cada mes. Tal vez puedas liberar dinero para renovar tu hogar, financiar educación universitaria, comprar un hogar para vacacionar o invertir en propiedades sin añadir gastos mensuales.


¿Estás listo para explorar tus opciones de refinanciamiento según los números? Estamos para ayudarte. 

Grant Seminar Irvine California

Realtors, Real Estate Agents, Escrow, Title, Insurance

Seminar this Thursday morning 9:00 AM Irvine California

Call me to make a reservation

Grants ~ Down Payment Assistance ~ Mortgage

(949) 784- 9699

Refinance Lower Payment

Mortgage Rates Drop  - Freddie Mac: The U.S. economy remains on solid ground, inflation is contained and the threat of higher short-term rates is fading from view, which has allowed mortgage rates to drift down to their lowest level in 10 months. http://www.freddiemac.com/pmms/


THE TIME TO REFINANCE IS NOW
If you did a loan in 2017 or 2018 you can save some money on monthly payments
Call me and ask me how much you will save
Let's crunch the numbers and see your 2019 future

(949) 784- 9699
C G
Caroline Gerardo Barbeau
NMLS #324982

http://www.cmgfi.com/agents/caroline--gerardo-barbeau/

http://www.cmgfi.com/agents/caroline--gerardo-barbeau/


Busy bees get their paperwork in and save money

Market News

The Case-Shiller home price index appreciated at a slower pace in November, marking the slowest annual pace of appreciation since  January 2015. Month-over-month the index is up 0.3% and year-over-year the index is up 4.7%. Despite having no reports for January due to Federal Partial Shutdown now information is flowing,  until we hit another wall In January, consumer confidence declined, most likely due to the 35-day government shutdown.  The index plunged from 126.6 in December to 120.2 in January. For the week ending 1/25, new purchase applications were down 2.0%  and refinance applications dropped 6.0% for a composite decrease of 3.0%. The ADP employment report added 213,000 jobs in January. Large firms added 66,000 jobs,  midsize companies added 84,000 jobs and small businesses added 63,000 jobs. Although the government has reopened, the release of the first estimate for fourth-quarter  Gross Domestic Product has been delayed until further notice. The pending home sales index declined in December, down 2.2% month-over-month and 9.8% year-over-year. After hitting a record low the previous week, initial jobless claims increased to a  seasonally adjusted annual rate of 253,000, for the week ending 1/26.  Continuing claims also increased to a level of 1.78 million. The release of November’s new home sales report was delayed because of the  government shutdown and released last Thursday. In November, new home sales soared a staggering 17% month-over-month, marking a 2.7% annual increase, and reaching a seasonally adjusted annual rate of 657,000 homes. In January, the labor market continued to show strength with the addition of 304,000 nonfarm payrolls,  296,000 private payrolls, and 13,000 manufacturing payrolls. The unemployment rate ticked upward to 4.0%.  The participation rate was virtually unchanged at a rate of 63.2%.  Average hourly earnings increased 0.1% month-over-month and 3.2% year-over-year.  The average workweek totaled 34.5 hours. US construction spending tracks total spending on private and public construction project.   Total construction spending increased 0.8% month-over-month and 3.4% year-over-year. In January, the consumer sentiment index inched up to a level of 91.2.

This week's important economic reports include: ISM manufacturing index MBA applications State of the Union address Weekly jobless claims Consumer credit

WEEK OF FEBRUARY 4, 2019