3/28/2013

Cheap Home Green Maintenance Orange County


 

Sunflowers in my Home
A Dozen Cheap HOME Green Maintenance Tips for Your Orange County Home

1.     Used coffee grounds I save the grounds from my coffee to use in the following situations: battles against ants that don’t care for the acid. Ground can be added to compost, in pots as mulch, around the perimeter of your foundation. If you don’t drink coffee, Peet’s or Starbucks coffee houses in Newport Beach, Laguna Beach ect will be happy to give you a couple pounds for free. Supply them with some plastic container, even a plastic trash bag and offer to save them from walking out to the dumpster.

2.    Used pool filter Diatomaceous earth also known as D.E., diatomite, or kieselgur/kieselguhr, is a naturally occurring rock that feels like pumice, it also comes in food grade This fabulous substance is used in swimming pools to catch dirt and bacteria. Snails and ants hate it because it cuts the gentle tissues of these creatures. If you don’t have a pool, ask your neighbor or a local pool man to rinse out those filters on your lawn or throw some of it in a plastic bag for you. This can also be sprinkled around the perimeter of your home and garden to keep away pests, snails and slugs. It must be re-applied as it tends to get washed into your soil. I don’t advise you place in dog or pet sleeping areas as it has a rough feeling to the sand. With so many homes that have pools in Orange County California it should be easy to get a bag of this free.

3.    Plant a lemon tree – put it in a pot and do not overwater. Lemon juice is useful in many ways. Lemon juice removes stains, irritates ants, has a deodorizing quality and is wonderful to make lemonade. I have two types: a Meyer and a Bearrs Lemon. It is nice to have different types to bear fruit at different times.

4.    Start a compost pile  Layer grass clippings, only vegetable cuttings, nothing with rust or pest spores, nothing that has animal or oil products

5.    Four products to clean everything: vinegar, borax, dawn soap, peroxide

6.    Remove firewood stored near the home. Firewood should be stored at least 18 inches off the ground at least 2 feet from the structure. Putting firewood near your foundation is a welcome sign for spiders, ants, termites and mice.

7.    Check your gas- and battery-powered lawn equipment to make sure it is ready for summer use. Clean equipment and sharp cutting blades will make yard work easier Set the lawnmower to 4 inches high, your grass is stressed by giving it a short haircut. Water the grass less and allow it to force the roots to search deeper. Once a week is enough in coastal Orange County, let it look dry wilted then water. Don’t use pesticides or herbicides on grass. Welcome birds by putting out some millet or sunflower black oil seeds (“oilers”) have very thin shells, easy for virtually all seed-eating. Don’t put out a huge portion, the purpose is to entice them to eat the bugs and grubs in your grass.

8.    Change your filters every season and once a month in the summer. Find a heating and cooling contractor clean to service the outside unit of the air conditioning system. Clean coils operate more efficiently, and an annual service call will keep the system working at peak performance levels. I can recommend a couple contractors who are fair in Orange County serving from Huntington Beach, Newport Beach, Laguna Beach, Laguna Niguel and as far south as San Diego. And speaking of filters, the filter in the hood of your kitchen range, run it in the dishwasher and grease is gone.
Photograph shows a simple use of old pumpkin peel to stop run off
 
 
9.    Gravel fill low areas in the yard or next to the foundation should be filled with gravel and compacted soil. Spring rains can cause yard flooding, which can lead to foundation flooding and damage. Also, when water pools in these low areas in summer, it creates a breeding ground for insects

10.  Simple repairs include caulking or installing a variety of inexpensive door/window insulating strips or plastic sheeting. (You can even get help from Uncle Sam on these items, but only until the end of this year.)

11.  Extension cords are for temporary use only. Those cords sitting out in the yard that have weathered the winter or inside the house plugged in on a permanent basis need to go. Check all cords for potentially dangerous nicks or frayed spots. If you have fountains, check those as well for cracks as can be dangerous combination of electricity and water around your home.

12.  Do not store Old paint near the furnace or water heater. It is a Big fire hazard. In general it will be a dried up rock when you get around to opening the can. Peel the labels off and put them in a notebook for future reference, or simply writing the color and brand details for the paint used in each room on the back of the light switch plate there. Or write the name and number and brand in an email and send it to yourself label PAINT FILE. It is against the law to dump wet paint in landfills and our local trash CR &R in Orange County has information about when and how you can dispose this safely Information here: http://www.crrwasteservices.com/cities/orange/residents/

Conservation and rain in an ecosystem
 
 

 

3/24/2013

Rush to Buy

Full text of the original Responsible Homeowners Act
http://www.govtrack.us/congress/bills/112/s3085/text

Mortgage Regulation has not addressed every American, Californian or Borrowers / homeowners in Orange County. In the panic to make constituents happy, a bill was slapped together trying to address the largest number of distressed homeowners. It was hurry, hurry make somethong happen. In the end, the wind shifts and the rush was perhaps misguided.
Newport Beach sunset without any frozen yogurt


Reminds me of a analogy, a distant story:

Remember when 31 flavors was to die for?
Then Hagen Daz opened and bubble gum ice cream was forgotten.
Cold Stone Creamery next delivered the smell in hand crafted flavors that we never knew we desired. We rushed to the mall to buy.

The market in ice cream shifted to Golden Spoon but now there are twenty yogurt places near where I live in Laguna Niguel. I can walk to any and choose. We've moved to Cherry on Top or some other brand... but what locals in Orange County really seem to crave is healthy Nektar, Active Culture, Banzai Bowls... who is next? Where will we run to next?

The mortgage business is like that right now. Buyers hurry to find a property to make an offer. They  are a spin of emotions.
A borrower was rather dismayed today that their offer on a home in Newport Coast was "beat out" by someone else. They seemed panicked.
My advice twice today was, "nothing too good or too bad lasts too long." This market with no listings and frenzied offers will break into something new. Some other house will come along, it may not be the exact same calories or square footage, but don't go mad over ice cream or yogurt places. This might be a fad.

Something will come along that is great in its own time.

Mortgage rates aren't going fire sale "free yogurt" or some jump in the market, "gold bullion" - yet.

3/22/2013

Caroline Gerardo Mortgage Loans


It's a good question. Why should you choose W.J. Bradley to obtain your home financing? You get bombarded by ads, mailers and spam from lots of mortgage lenders. How do you know which bank or mortgage company to call? Who do you click on?

Here are some great reasons to choose C G and WJB:

Direct lender. No middleman, no broker, just you and your loan officer.

Experienced. Caroline Gerardo Barbeau (C. G.) has been a mortgage lender since 1988. She has worked in Newport Beach almost as many incredible years serving Borrowers looking for best mortgage.

Caroline has closed more than two billion dollars in residential home loans.
She has bought and sold nearly eighty properties herself.
She has seen it all and has contacts to help make your mortgage transaction sail through.
Her goal is to offer the best advice free to assist you in selecting the financing that best fits your needs. Caroline has owned properties up and down the State of California. She lives in South Orange County, California

Products you need. From FHA to ARMs to jumbos to HomePath loans, HARP 2.0 no limits, underwater, Purchase, Investment, Refinance, Jumbo, Super Jumbo, Coastal Loans and Land Loans, you name it- If Caroline doesn’t have the loan or loans she will give you to the person who does.

She offers financing to fit nearly every borrower's needs.

Cutting-edge technology. We know it's a high-tech world, and we're using that to our — and your — advantage. I can tell you where in the process your loan is at any time. I even know whose desk it's on.

Fast and flawless. We are fast and we are accurate, which means you close on time. In fact, we lead the industry with our turn times.

Commitment. You're not a number. You are a client that I value highly. I am committed to explaining the loan process and helping you make informed choices.
I’m available any time. Clients call me at 5:30 AM or after work. I will work the way that suits your needs- email, text, telephone call, go to your home, sit on the kitchen table, fax, or messenger. I want to hear from you today and after you close your home mortgage loan.

I welcome your questions on the weekends. I’m no stodgy banker who turns off the phone at five o'clock.

At W.J. Bradley, you come first. Period. I'm here to help you get what you need. Call me today to learn more about what W.J. Bradley and I can deliver

Caroline Gerardo
Also known as C. G. Barbeau
Mortgage Banker
23041 SW Birch
Newport Beach California 92660
W.J. Bradley Mortgage Capital, LLC
Office: 949.637.8190
NMLS: 324982
 
 

 
 

Zombie Mortgage Real

Zombie Foreclosures


This week I have seen two Borrowers who believed they were foreclosed upon in 2009, and the discover the Mortgage is still outstanding, property taxes are growing as collections and the Home Owner Association fees are ready to file a judgement. In both cases Borrowers moved out of their
primary residence prior to the actual foreclosure auction date. One sent keys back to J. P. Morgan Chase Bank and the other notified Wells Fargo Home Mortgage that they had moved out, and keys
were at the neighbors.
One property was located in Taft, California and the other in New Jersey.
The sad part of the story is they believed they did the right thing, but the problem will haunt them for years to come.

Here is an article in Reuters about this

http://www.reuters.com/article/2013/01/10/us-usa-foreclosures-zombies-idUSBRE9090G920130110


 I had some suggestions for immediate action for these people.