7/16/2013

Hillsborough California Estate Home Lease




Large Lap Pool and fountains Outdoor Entertainment areas

Kitchen with French Cabinets and carrerra marble counters, farm house sink, gourmet appliances

Private front entry tucked behind old growth oak trees and gated and alarmed
Another view of kitchen built in refrigerator, wine cooler, large pantry

Claw foot tub, steam shower, walk in fully decked out storage for the discerning designer clothing aficionado

Formal Dining room for banquets or parties or holidays


large driveway circles around the home towards 3 car attached garage, can park more vehicles
Formal living room also bonus room, pool house, library
Hillsborough California Single Family One Story 4533 square foot home for 1 year lease

4 bedroom 4 baths plus pool house that could be an office
$10,800 monthly  
Please contact me is available now (949) 637-8190 Caroline Gerardo Barbeau
County: San Marin

Great schools: South
Lease direct please contact me for an appointment


https://www.google.com/maps?ll=37.566009,-122.336843&spn=0.000017,0.009645&sll=37.565892,-122.337162&layer=c&cbp=13,239.03,,1,6.71&cbll=37.566009,-122.336843&t=m&z=17&panoid=lsTxxNnuPDRDnj_WL2IS7w

6/28/2013

Don't Get Bit By the Bank






Don't get bit by the bank.
 



 
Rates have increased and are extremely volatile. What are you waiting for? Make today the day you refinance to a lower interest rate. Consolidate your debt and put more cash in your pocket each month.
  • 15-, 20- and 30-year fixed interest rates and ARMs available
  • Second and investment homes may qualify!
  • LTV's over 125% may be possible
  • Some programs require no mortgage insurance
  • Flexible Underwriting - make sense home loans
  • USDA, FHA, 203k, VA, Conventional, Jumbo and more
Don't delay — call me today!
CAROLINE GERARDO (C. G. BARBEAU)
Mexican sage, pineapple sage, and herbs in my organic garden.
 
 

 


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Caroline Gerardo
Mortgage Banker
W.J. Bradley Mortgage Capital, LLC
Office: 949.637.8190
Cell: 949.784.9699
NMLS: 324982
 

 


 

 
EM-L7SHNU
© 2013 W.J. Bradley Mortgage Capital, LLC. 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government. All Borrowers and properties securing Mortgage Loans must be approved by WJB. Loan terms subject to change without notice.

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This message was sent from Caroline Gerardo http://mywjb.com/caroline-gerardo/
It was sent from: W.J. Bradley Mortgage Capital, LLC, 20341 SW Birch St., Suite 330 , Newport Beach, CA  92660



 

6/27/2013

Chloramine Poison Water?


Poison in Our Orange County Tap Water?


Ocean View South Laguna We all Expect Clean Blue Water



In the past two years I have purchased two new water heaters, two washing machines, changed out my toilet flappers every four months, installed new toilets, notice yellowing in plants, dinghy white laundry and blue and white scale on my pool. The cause is Moulton Niguel Water District’s switch to chloramine. Chloramine makes water highly corrosive.  I can’t find any studies completed to demonstrate if it is safe.
my toes in the bathtub 

Plumbing trucks are now common neighbors working on replacing leaks, toilets, water heaters in Laguna Niguel. Changes in water chemistry have caused the water to become aggressive towards the piping. Copper, galvanized, plastic and fiberglass used in pool pumps are all effected with fissures, cracks and pin holes at the start.

Moulton Niguel Water Company started using chloramines recently. This cocktail of chlorine and ammonia is employed in the water treatment process to kill bacteria in our drinking water. NH2Cl is used as a disinfectant in as an alternative to chlorination.  
desert plant

Why did they switch? Moulton Niguel Water saves money by cutting chlorine costs with chloramines.

Lennar Homes and others have filed lawsuits against Moulton Niguel Water ( MNWD). The complaint alleges leaks in copper "are the direct and/or proximate result of corrosive, aggressive, and/or improperly treated water" supplied by MNWD. Lennar sued MNWD for construction leaks and for any costs, damages or settlements incurred by the home builder as a result of the leaks.

A few facts:

Chloramine releases mercury from dental amalgams (you know the old silver colored fillings in the back of your mouth).
It shakes loose lead solder in older pipes.

It quickly kills frogs and other amphibians, reptiles, turtles, fish and other aquatic and marine life, to the extent that you cannot use chloramine-treated water to fill up a fish tank or backyard fish pond.

I didn’t know it was toxic to turtles until recently after my pet of 29 years died in my yard this spring.
Chloramine corrodes rubber toilet flappers and gaskets, rubber hoses, and rubber fittings in dishwashers and water heaters.

Chloramine de-elasticizes PVC pipes. The pipes become brittle plastic. Particulate of the plastic and oil by products leach carcinogens from the plastic pipe and joint compounds into drinking water.

Chloramine doesn’t evaporate by letting it sit out in an open container. A carbon filter can remove the chemical from your drinking water.

Taking a long relaxing shower might be toxic. Heat converts chemicals to a toxic gas.


murky water



Some Suggestions:

Adding fruit, such as slices of peeled orange, to a 1-gallon water pitcher, which will softens but not totally neutralize chloramine in about 30 minutes by adding degradable food substance and raising the PH.

Boiling 26 hours or 8 hours of Ultraviolet light Dissolving a 1,000-mg vitamin C tablet into your bath water, which will neutralize the chloramine in an average-size bathtub. Ascorbic acid and sodium ascorbate neutralizes both chlorine and chloramines but degrades in a day or two which only make it usable for short-term applications. SFPUC determined that 1000 mg of Vitamin C (tablets purchased in a grocery store, crushed and mixed in with the bath water) remove chloramine completely in a medium size bathtub.

Adding water softener salt to your toilet tanks and wash loads helps a bit with the rapid breakdown of rubber and plastic parts.

I am researching water filtration systems that we might install at the water head. Even my shut off valve to the main is so badly corroded; it is difficult to turn the water off in an emergency.

There are other disinfection techniques available to City Water Districts , such as ultraviolet light and micro-filtration, which would be safer. I hope other local residents will investigate and find solutions. Meanwhile MNWD increased the cost of water…



                         

6/26/2013

Rates Up and Appraisal Low Whatever Shall We Do?













Presentation for the Laguna Board of Realtors June 2013
Market trends Orange County California
What drives mortgage rates? How to deal with a low appraisal now that values are pushing upwards. How to deal with mortgage rates that have increased one percent. How to still buy the house you have under contract. Rates Up and Appraisal low we can deal with it.