Is It a Good Time to Refinance?

Committed to Seeing You Home.

Loan Officer

Caroline Gerardo

CarolineGerardo@eaglehm.com

http://www.eaglehomemortgage.com/carolinegerardo

Irvine CA 92618

8105 Irvine Center Drive Suite #500

Eagle Home Mortgage

855-883-4303

949-784-9699

949-637-8190

eFax

Office

Cell

NMLS #324982

Is now the right time to refinance?

Call Today.

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.

Your adjustable rate mortgage payment is increasing.

You want to consolidate monthly debt such as credit

cards, car loans, etc.

Your current interest rate is higher than today's rate

and you want a lower payment.

You want to “cash out” equity to use for college tuition,

vacation, or home improvements.

It could be, if...

As a mortgage professional, I

have helped many different

types of people with many

different needs. Together, we

can discuss your situation and

see if now is the right time for

YOU to refinance.

Living At the Beach

South Laguna Beach home in the morning

Living at the beach has many benefits. Research demonstrates that the view of the sea reduces stress, better air quality improves lung capacity and encourages a healthier lifestyle. I remember my Grandmother with her white legs in the waves patting the salt water on her arms telling us, “ocean water is good for you.” I believe what she said is true.

The ocean also offers natural beauty that people who have daily access to the wonder seem more appreciative of sunsets, the changes in the tide and moments changing in our daily lives.

Living near the daily moisture poses a couple problems to your home. The exterior will require more frequent painting, sealing the windows and looking for rust. Our rooftops seem to get yellowish mold, and actual green moss tends to grow on the north side of brick or mortar. A simple scrub with bleach diluted will keep these at a minimum.

Enjoy winter with moderate temperatures. I had coffee this morning in my backyard listening to the sounds of the tide and enjoying the birds. Perhaps I will walk down to the beach and splash some of those positive ions on us all. Have a happy day!

 

 

 

 

 

Establish Credit

TIPS FOR ESTABLISHING CREDIT

Credit Cards Establishing Credit

Open a Bank Account Open a bank account and use it responsibly. This is the first step to establish a financial history.

Secured Credit Card Apply for a credit card. Shop around and only apply for a card if you can meet the lender requirements. Responsible use will help build a good credit history.

Get a Co-Signer A good way to establish credit is to piggy-back onto someone who already has a good credit history established and is willing to co-sign, but be aware that any default of credit on your part affects the credit of the co-signer.

Gas Credit Cards Since some gasoline credit cards are not revolving they are sometimes easier to obtain than regular credit cards. Similarly department stores offer revolving credit for a specific purchase and this is sometimes easier to obtain. It is also a great way to establish credit.

Information Provided By:
Caroline Gerardo
Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303
C. G. Barbeau   http://www.eaglehomemortgage.com/carolinegerardo

FICO Score is a tool you need in your quiver.

 Understand how to make it higher free- ask me.
  Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive Suite #500 Irvine CA 92618 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. Caroline Gerardo | 8105 Irvine Center Drive #500, Irvine, CA 92618







http://www.anoox.com/?acl_id=12207&user_id=2481332&blog_id=6450