Free Money to Buy a Home in California

Jaccuzzi, stool, and Laguna Canyon view

 

DOWN PAYMENT ASSISTANCE GRANT PROGRAM   I am pleased to announce the addition of Conventional Loans to the Down Payment Assitance Platinum Program. Homebuyers can now apply for the down payment assistance grant providing up to five percent gift when qualifying for a fixed-rate 30-year Conventional Fannie Mae First Mortgage. Previously, the grant program was only available in conjunction with FHA, VA or USDA First Mortgages. With the addition of Conventional Mortgage Loan options, WE aim to serve more people and provide homebuyers with more choices.   Free money to buy a home. Call and ask me about terms and conditions that apply. C. G. Barbeau (949) 637-8190 Borrowers must qualify for the loan. Income limits apply. Available in California. Cannot own a home on your Federal Tax returns 2012 2013

Janet Yellen appeared before the House Financial Services Committee

Grants Gifts Money to Buy a Home

Laguna Beach House

Trust

Rate Sheet  as of 2/4/2013 Rates Change this is not a Commitment to Lend Down Payment Assistance Loan Description 30 Year 3% Grant Program  4.25%  rate 4.400 APR 5% Grant Program  4.75%  rate 4.901 APR CHDAP FHA         3.875% rate 4.021 APR CHDAP CONV.       4.125% rate 4.290 APR   Down Payment Assistance Homebuyers Fund: Designed to increase homeownership opportunities for low-to-moderate income individuals and families in California. Down Payment Assistance proceeds may be used for down payment and/or closing costs up to 5%. Or $21,100.00 It may not be enough to buy a Beach house in Laguna, but certainly a wonderful program for a first time home buyer.

Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190   eFax 855-883-4303 CarolineGerardo@eaglehm.com www.eaglehomemortgage.com/carolinegerardo http://cgbarbeau.blogspot.com     Committed to Seeing You Home.

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. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

This is not a commitment to lend.
Rates and terms change daily.
Borrower must qualify for FHA loan purchase.

Succulent Crafty Trend

A big trend in Orange County home gardens is using succulents as landscaping and in pots. I believe the fashion is stirred several things. First there is an interest in conserving water. My local water company Mouton Niguel Water put limits on the days, times and amounts of yard watering we are allowed to sprinkle. The strange thing is the Home Owner Associations seem to rebel against the look of a low water landscaped front yard. In fact numerous homeowners in Association tracts are fined if they don’t have sixty percent grass lawn in the front. The second reason I believe this is one of the dominant plant types at our local nurseries is - because they are cheap. The plants are not cheaper to buy, but they require little or no maintenance.

I am not the greatest fan of succulents, I am more interested in California natives, organic produce and cottage flowers but here is my crafty salute to gifts or new versions of potted succulents you can make in ten minutes. Little or no cost and a five year old can help you.

Items needed: find some recycled wire frames (old Christmas wreaths or recycled wire pots) sphagnum moss and some clippings from neighbors succulents. Offer to make them one in exchange for the clippings.

(I keep a large piece of cardboard on the one side of our garage for painting project tarps)

Spray paint the metal with some gloss paint to keep rust down. Make a nest of sphagnum that has been soaked in water and push in the plants. I added an epiphytic orchid that I have growing wild that I know requires little care. I used these garden labels that you can use a pencil to write a note or the name of the plant. I then took some old nail polish and just brushed it over the words to be able to read the label better.

I will practice and let this one grow. I have a number of antique wire baskets and I am toying with using them. Perhaps if you do a mortgage with me I will give you some...

"Enthusiasm Changes The World." Caroline Gerardo copyright 2012