Mortgage Rates

Mortgage rates remain the same as yesterday, 

though the demand decreased.

Home loans at two or three are just an amazing deal in 2021. 

Spring season is seeing some rising. 

Values of homes keep going up.

It is difficult to purchase a home when ten other people 

make over priced offers. 

I have some strategies to get your offer accepted. 

Let's talk about it.

Today's market opened sessions with treasuries 

lower across all maturities.

 The Ten Year yield is at 1.7119, 

0.90 basis points higher than prior closing of 1.7029.

US stocks rise as traders focus on technology 

shares before President Biden reveals his stimulus plan

 which includes a $2.25 trillion boost to infrastructure.

TODAY'S COUPONS:    Ten Year Notes 94- 21  ( -01.5) FN 2.5% Coupon 102-22 (+02.5) Support 1.257% Resistance 0.793%

Hipoteca

Necesidad de Hipoteca:

Declaraciones de impuestos Formularios 

del IRS todas las páginas 2019 2020

Formularios W-2 y 1099 para 2019 y 2020.

Talones de cheque de pago de los últimos treinta días.

Extractos bancarios todas las páginas 

de los últimos dos meses.

Identificación con foto.

Carta de concesión de pensión 

/ indemnización laboral / seguridad social.

Factura hipotecaria

Factura de seguro contra incendios 

solo la factura con número de póliza.

 

 

 

Tax returns IRS forms all pages 2019 2020

W-2 forms and 1099 for 2019 and 2020

Paycheck stubs past thirty days

Bank statements all pages past two months

Photo Identification

Award letter for pension

/ workman’s compensation/ social security

Mortgage bill

Fire insurance bill just the bill with policy number

Antique California flowers that grow easy in 

your home garden from seed: 

poppy, nasturtium, succulents, and sunflowers. 

You are my sunshine. 

Let's make getting your next home mortgage full of love.

C G Caroline Gerardo Barbeau | Sun West Mortgage ...

carolineg.swmcretail.com

 

Smokey Mountains

Smokey Mountains Trip

 Our trip to see the synchronized fireflies

We stayed in a fabulous AirBnB hosted by Syresa and Lonnie 

in a turn of the century house that was once a farm in Sevierville.

 The Mary Seaton room was charming and cozy. 

We had a reservation to get into the park and a campsite to park 

and wait for the fireworks show. 

Our plan was: park our Enterprise rental car in the space, 

 set up our cameras on tripods in the woods, wait for the witching hours, 

and return happy with photos and videos of the 

lightening bugs dancing in unison. 

I contacted Go Pro ten months in advance about purchasing 

their latest equipment to be able to record in low light or darkness. 

I spoke with Nick Woodman and he assured me this would be successful.

I even practiced on the ranch in moonlight. 

Unfortunately the videos are black darkness...

I can tell you about the fun of finding the old cemetery at night. 

We found two graveyards with fireflies and this was loads 

of fun for myself and my daughter. 

One is in the old ghost town in Elkmont and the other is 

near where we parked at the campsite. Scary fun.

Here are some other short videos. 

We saw Elk, Bears, butterflies, a fox, 

and lots of mosquitoes but all was a blast.

Elk strolling out of the woods to the nice mowed grass

Here comes the Mommies and baby elk calfs

One of the B and B's where we stayed

Solar Panel Mortgage Issues

 

I have a solar system. 

Mine is likely very different than yours, mine is off grid. 

Solar is a wonderful thing to reduce your electric bill 

and save money but can be a problem when you

refinance or sell your home. 

Solar has a limited life, and because it's silica or glass

 it's fragile to extreme weather. 

When you installed yours you might have gotten a Pace Loan.

Most don't read all the fine print about the Pace Mortgage. 

Here's some tips and tricks and a checklist:

Solar panels create a variety of challenges when you 

purchase or refinance real estate. 

The Title Officer and Mortgage Loan Officer first determine what 

type of instrument was used to install the unit. 

Was it financed, leased, rented back, purchased

 or some combination of methods to pay for the unit 

which is now real property, not personal property.

 Sometimes the homeowner doesn't own the units at all, 

and they allow access to utility company employees

 like an easement to climb on the roof.

Here is a little checklist on how to handle the variety of issues 

that may arrive when you buy a home with solar panels 

or try to refinance your existing home loan or mortgage

 to a lower payment.

No matter what the sales person told you all 

Pace Loans must be paid off to transfer title, refinance, or sell.