Mortgage Home Loan Rights

Your list of rights when applying for a home mortgage loan:

1. RIGHT to shop for the best loan for you and compare the charges of different mortgage brokers and lenders.
2. RIGHT to be informed about the total cost of your loan including the interest rate, points, and other fees.
3. RIGHT to obtain a “Loan Estimate” of all loan and settlement charges before you agree to the loan or pay any fees.
4. RIGHT to know what fees are nonrefundable if you decide to withdraw your loan application.
5.  RIGHT to ask your mortgage broker to explain exactly what the mortgage broker will do for you
6. RIGHT to ask questions about charges and loan terms that you do not understand.
7. RIGHT to a credit decision that is not based on your race, color, religion, national origin, sex, marital status, age, or whether any income is derived from public assistance.
8. RIGHT to know the reason if your loan application is turned down.
9. RIGHT to receive the HUD settlement costs booklet “Buying Your Home”.

Your borrower  list of responsibilities when applying for a home loan:

1. To answer questions  in full with honesty
2. provide paperwork without crossing out or altering the statement
3. Respond to emails and phone calls promptly
4. Read what is sent to you
5. Ask lots of questions

All photographs are under my copyright
From greenhouse and fields in California

Wreath Making

I make wreaths of native and greenery available on the ranch.
Last Christmas I sold them at Rogers Gardens, but I will have them at
a tree lot in Dana Point.

They are wild and fun, not your plastic $179 wreath from Target or Hobby Lobby

I sell them wholesale for $20 and $45 for anything you order. The size is from twenty inches
to forty. Every one is different. Some have long needle pine, olives, toyon berries (used by Native people as tea), lemons or oranges with cloves, rosemary, lavender, sage and pine cones.
They smell wonderful. They are all organic and decompose very easily. The frame is wild grape.
Even the wire turns to dust.

Here are a few unfinished. They will have velvet ribbons and more wild fruits before I deliver them.
A few friends an family get one dropped on the doorstep as if Santa stopped by on black friday.
I'm not into selling Christmas as big mall stuff.

Use what greenery surrounds you.
I start with grape vines and wire them.
I allow them to dry in shapes then remove
the wire.

Happy Thanksgiving

On Guard

Be on guard for hackers. It’s hard to keep secure in the digital age. Don’t give any application your real date of birth- Facebook, Apple, and social media apps do not need your Private information. They sell your behaviors and habits online.

If you use a cell phone for banking, Venmo, email or work Outlook notifications you are vulnerable.

On your desktop/ laptop be aware. Allowing Google Cloud Identity, Okta, One Login, Last Pass Enterprise. CA SSO, Sailpoint Identity Now, Microsoft, or companies that manage and secure user authentication in applications, website web services and into devices puts you at risk. These companies hold a cheat sheet of passwords online. The best protection is to use different and complex passwords and to change them once a month.

Email accounts can be hacked. Don’t send bank statements, paperwork with your social security number and date of birth unless you can encrypt the send email. Delete the thousands of old emails stored in your account. 

When an email arrives from an unknown sender, don’t click on the attachments. When you see an email from Apple or your bank name try and reply to the email and see if the email address is indeed who they say they are. If the email is reportapplexyq~”{pm@papz.com  you can see the email address looks wrong. If it feels wrong, don’t answer. If you get an email from your bank account to change the password DO NOT click on the link. Call the Bank and double check.

When wiring funds for a real estate transaction. Call the lender, call the escrow company more than once to triple check the account information.

It is easier to protect yourself with cumbersome passwords than to try and make a claim to get the money back.

C G Caroline Gerardo Barbeau

Mortgage Banker CMG FI

RATES ARE LOW

NMLS 324982

(949) 784- 9699