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.

This email was sent as part of my effort to maintain our relationship and keep you well informed of market conditions. It could be interpreted as a commercial message. If you would like to stop receiving these emails, you may unsubscribe at any time. Unsubscribe here. 
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.

« Prev

Next »

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