Orange County Mortgage Companies - Who Will Last?

Herd photograph by Caroline Gerardo copyright

 

Mortgage Bankers and Loan Brokers will not be able to weather the storms unless they have enough cash. They may need billions of dollars in their nest-egg to be able to fund direct going forward.

How many of these Real Estate Lenders in Orange County, California will be open in 2014?

This is a brief list of Mortgage brokers, bankers, lenders and smaller loan shops serving the following communities: Aliso Viejo, Anaheim, Atwood, Brea, Buena Park, Capistrano Beach, Corona Del Mar, Costa Mesa, Cypress, Dana Point, East Irvine, El Toro, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Ladera Ranch, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Midway City, Mission Viejo, Newport Beach, Newport Coast, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Silverado, Stanton, Sunset Beach, Surfside, Trabuco Canyon, Tustin, Villa Park, Westminster, and Yorba Linda
First California Financial
Elsa Gonzalez
Joe Buono
Kemmer Matteson
San Juan Capistrano, CA 92675
Back Bay Funding
Christian Stewart
Kasey Kucher
Mike Boyd
Brett Kolb
John Reynolds
Lydia Vidriales
Zak Freedman
Fairchild Rd, Ste # 150
Irvine, CA 92612
Western Pacific Home Loans
Anaheim Hills, CA 92808
RTC Mortgage Corporation
Richard T Cirelli
Laguna Beach, CA 92651
Stratis Financial
Martin O'Malley
Huntington Beach, CA 92649
Mortgage Express
Bert Ryan
Carole Ryan
Hutton Center Dr Santa Ana, CA 92707

Kimberly Capizzi Huntington Beach, CA 92647
Turpin Group powered by PRMG Inc
Brad Turpin Irvine Center Dr Ste 460
Irvine, CA 92618

Mortgage Option Center
Jean Howard
Mortgage Option Center
Randy Stroops
Yvette Posey  Valencia Street
Costa Mesa, CA 92626

CALIFORNIA Equity & Loan
Bruce Conn
Kristen Morrison
Live Oak Canyon Road
Trabuco Canyon, CA 92679
Stratis Financial Corporation
Dennis C Smith
Leslie Smith
5 Bolsa Ave #250
Huntington Beach, CA 92649
Emery Financial Group
Brian Askew
Casey Wells
David Rooney
Jodie Hertel
Rick Geary
Tim Storm
  Newport Center Drive
Newport Beach, CA 92660
FUNDING CONCEPTS GROUP
BABAK BIJARCHI
TUSTIN, CA 92780
Budica Financial Corporation
Bud Brower
Monica Brower
Processing Department
Irvine, CA 92618
Steve Whittaker
Sharon Whittaker
Steven Whittaker
Irvine, CA 92606
Excalibur Mortgage
Huntington Beach, CA 92649
point b funding
Caryn Schultz
Marie Beresford
Park Ave
Laguna Beach, CA 92651

Savers Home Loans  Guy Holman IV
Jason Mitchell
Jon Teunissen
Sam Malouf
Chuck Wright
Helen Green
Jeff Vance
Mark Green
S El Camino Real
San Clemente, CA 92672
Pacific Capital Mortgage Corporation
Troy McCleery
 
E Katella Ave Ste 100
Orange, CA 92867

Western Reliance Funding Group, Inc
David K Harrington

Avenida de la Carlota, Suite 180
Laguna Hills, California 92653
DeltaMax Mortgage
El Toro Road
Lake Forest, CA 92630
Mortgage Market Mentor
BY OWNER BY AGENT Website
Avenida De Las Banderas 211 Rancho Santa Margarita, CA 92688

La Paz Mortgage

Cortez Johnson
John McDonald
Patrick Grover
Shelley Kee
Charles Leibold
Jeff LaCarre
Mike Slater
Philip Carnahan
Susan Beaver
Town Center Drive, Ste 177
Laguna Niguel, CA 92677

Independent Bankers Mortgage
Beth Schrecengost
Debra Linn
Gil Correa
James Miltenburg
Lupe Marsee
Robert "Greg" Gouw
Tammy Koepke
Tom Gyepes
Trudy Haines
Annie Tonnu
Carrie Waters
Frances Hoge
Grace Shih
Louise Colley
Rebecca Pringle
Sonya Hadley
Tim Rellaford
Tracey Galligan
Wendy Escobar-Menghini
El Toro Road, Ste 185
Lake Forest, California 92630

Intelty, Inc
Kulin (Ken) Dalal
Kusum Anil Mahajan
Sanjay Shah
Vishal Dudheker

Intelty Inc
Kunal Vakharia
kusum mahajan
Sudhir Parikh
E Miraloma Ave
Anaheim, CA 92806
UNITED MORTGAGE INVESTMENT GROUP, INC
Bonnie Hill
Credit Restoration
Nesa Kovacs
Ariana Washington
Call for Loan Modification Experts specializing in
Caroline Lawrence
Aliso Creek Rd
Aliso Viejo, CA 92656

GREAT AMERICAN LENDING
Irvine Blvd Ste: 107
Newport Beach, CA 92660
Christensen & Associates, LLC A Financial Group
Anthony Christensen
Bolsa Chica #112 Huntington Beach, Ca 92649
Garden Grove 22 and 405 freeways, CA 92845

Laurus Mortgage
Neil Mehta

N Harbor Blvd
Fullerton, CA 92832
EVR Lending Inc

Lewis Butler
Lewis E Butler
Irvine Center Drive
Irvine, CA 92618
Morningstar Mortgage
Bill Gaffney
Rose Cornish
Beach Blvd Huntington Beach, CA 92647

Hillsborough California Estate Home Lease

Large Lap Pool and fountains Outdoor Entertainment areas

Kitchen with French Cabinets and carrerra marble counters, farm house sink, gourmet appliances

Private front entry tucked behind old growth oak trees and gated and alarmed

Another view of kitchen built in refrigerator, wine cooler, large pantry

Claw foot tub, steam shower, walk in fully decked out storage for the discerning designer clothing aficionado

Formal Dining room for banquets or parties or holidays

large driveway circles around the home towards 3 car attached garage, can park more vehicles

Formal living room also bonus room, pool house, library

Hillsborough California Single Family One Story 4533 square foot home for 1 year lease

4 bedroom 4 baths plus pool house that could be an office
$10,800 monthly  
Please contact me is available now (949) 637-8190 Caroline Gerardo Barbeau
County: San Marin

Great schools: South
Lease direct please contact me for an appointment


https://www.google.com/maps?ll=37.566009,-122.336843&spn=0.000017,0.009645&sll=37.565892,-122.337162&layer=c&cbp=13,239.03,,1,6.71&cbll=37.566009,-122.336843&t=m&z=17&panoid=lsTxxNnuPDRDnj_WL2IS7w

Don't Get Bit By the Bank

Don't get bit by the bank.

 

Rates have increased and are extremely volatile. What are you waiting for? Make today the day you refinance to a lower interest rate. Consolidate your debt and put more cash in your pocket each month. 15-, 20- and 30-year fixed interest rates and ARMs available Second and investment homes may qualify! LTV's over 125% may be possible Some programs require no mortgage insurance Flexible Underwriting - make sense home loans USDA, FHA, 203k, VA, Conventional, Jumbo and more Don't delay — call me today! CAROLINE GERARDO (C. G. BARBEAU) Mexican sage, pineapple sage, and herbs in my organic garden.       Caroline Gerardo Mortgage Banker W.J. Bradley Mortgage Capital, LLC Office: 949.637.8190 Cell: 949.784.9699 NMLS: 324982 Contact Me My Website         EM-L7SHNU © 2013 W.J. Bradley Mortgage Capital, LLC. 6465 Greenwood Plaza Blvd, Suite 500, Centennial, CO 80111 Phone #303-825-5670. NMLS ID 3233. Trade/service marks are the property of W.J. Bradley Mortgage Capital, LLC. This is not a commitment to lend. Restrictions apply. All rights reserved. Some products may not be available in all states. WJB is not acting on behalf of or at the direction of HUD/FHA or the federal government. All Borrowers and properties securing Mortgage Loans must be approved by WJB. Loan terms subject to change without notice. Alabama Consumer Credit License No. 21654; Arizona Mortgage Banker License No. BK-0903998; Arkansas Combination Mortgage Banker-Broker-Servicer License No. 104736; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act RML No. 4131002; Colorado Mortgage Company Registration NMLS ID 3233 Regulated by the Division of Real Estate. To check the license status of your CO Mortgage Broker, visit www.dora.state.co.us/real-estate/index.htm; District of Columbia Dual Authority License No. MLB3233; Florida Mortgage Lender Servicer License No. MLD738; Idaho Mortgage Broker License No. MBL-7766; Iowa Mortgage Banker License No. MBK-2013-0016; Illinois Residential Mortgage Licensee – License No. MB.6760738, 6465 Greenwood Plaza Blvd., Suite 500, Centennial, CO 80111; Kentucky Mortgage Company License No. MC92397; Maine Supervised Lender License No. 3233; Michigan 1st Mortgage Broker/Lender/Servicer Registrant No. FR0018674; Michigan 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0018675; Minnesota Residential Mortgage Originator License No. MN-MO-3233; Nebraska Mortgage Banker License No. NE3233; Nevada Mortgage Banker License No. 2061; Nevada Mortgage Broker License No. 504; New Jersey Residential Mortgage Lender License No. 3233; New Mexico Mortgage Loan Company and Loan Broker Act Reg. No. 01856; North Dakota Money Broker License No. MB102448; Oklahoma Mortgage Broker – License No. MB001365; Oregon Mortgage Lender License No. ML-776; South Dakota Mortgage Lender License No. ML.04982; Texas Registered Mortgage Banker – NMLS 3233; Texas Mortgage Banker Disclosure: www.wjbradley.com/Texas-Mortgage-Banker-Disclosure.html; Utah Mortgage Lender Company License No. 5495659-NMLC; Utah Consumer Credit Notification and Utah Residential First Mortgage Notification regulated by the Utah Department of Financial Institutions; Vermont Lender License No. 6341; Washington Consumer Loan License No. CL-3233; Wisconsin Mortgage Banker License No. 699991. NMLS consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3233.

 

 

This message was sent from Caroline Gerardo http://mywjb.com/caroline-gerardo/ It was sent from: W.J. Bradley Mortgage Capital, LLC, 20341 SW Birch St., Suite 330 , Newport Beach, CA  92660

 

Chloramine Poison Water?

Poison in Our Orange County Tap Water?

Ocean View South Laguna We all Expect Clean Blue Water

In the past two years I have purchased two new water heaters, two washing machines, changed out my toilet flappers every four months, installed new toilets, notice yellowing in plants, dinghy white laundry and blue and white scale on my pool. The cause is Moulton Niguel Water District’s switch to chloramine. Chloramine makes water highly corrosive.  I can’t find any studies completed to demonstrate if it is safe.

my toes in the bathtub 

Plumbing trucks are now common neighbors working on replacing leaks, toilets, water heaters in Laguna Niguel. Changes in water chemistry have caused the water to become aggressive towards the piping. Copper, galvanized, plastic and fiberglass used in pool pumps are all effected with fissures, cracks and pin holes at the start.

Moulton Niguel Water Company started using chloramines recently. This cocktail of chlorine and ammonia is employed in the water treatment process to kill bacteria in our drinking water. NH₂Cl is used as a disinfectant in as an alternative to chlorination.  

desert plant

Why did they switch? Moulton Niguel Water saves money by cutting chlorine costs with chloramines.

Lennar Homes and others have filed lawsuits against Moulton Niguel Water ( MNWD). The complaint alleges leaks in copper "are the direct and/or proximate result of corrosive, aggressive, and/or improperly treated water" supplied by MNWD. Lennar sued MNWD for construction leaks and for any costs, damages or settlements incurred by the home builder as a result of the leaks.

A few facts:

Chloramine releases mercury from dental amalgams (you know the old silver colored fillings in the back of your mouth).

It shakes loose lead solder in older pipes.

It quickly kills frogs and other amphibians, reptiles, turtles, fish and other aquatic and marine life, to the extent that you cannot use chloramine-treated water to fill up a fish tank or backyard fish pond.

I didn’t know it was toxic to turtles until recently after my pet of 29 years died in my yard this spring.

Chloramine corrodes rubber toilet flappers and gaskets, rubber hoses, and rubber fittings in dishwashers and water heaters.

Chloramine de-elasticizes PVC pipes. The pipes become brittle plastic. Particulate of the plastic and oil by products leach carcinogens from the plastic pipe and joint compounds into drinking water.

Chloramine doesn’t evaporate by letting it sit out in an open container. A carbon filter can remove the chemical from your drinking water.

Taking a long relaxing shower might be toxic. Heat converts chemicals to a toxic gas.

murky water

Some Suggestions:

Adding fruit, such as slices of peeled orange, to a 1-gallon water pitcher, which will softens but not totally neutralize chloramine in about 30 minutes by adding degradable food substance and raising the PH.

Boiling 26 hours or 8 hours of Ultraviolet light Dissolving a 1,000-mg vitamin C tablet into your bath water, which will neutralize the chloramine in an average-size bathtub. Ascorbic acid and sodium ascorbate neutralizes both chlorine and chloramines but degrades in a day or two which only make it usable for short-term applications. SFPUC determined that 1000 mg of Vitamin C (tablets purchased in a grocery store, crushed and mixed in with the bath water) remove chloramine completely in a medium size bathtub.

Adding water softener salt to your toilet tanks and wash loads helps a bit with the rapid breakdown of rubber and plastic parts.

I am researching water filtration systems that we might install at the water head. Even my shut off valve to the main is so badly corroded; it is difficult to turn the water off in an emergency.

There are other disinfection techniques available to City Water Districts , such as ultraviolet light and micro-filtration, which would be safer. I hope other local residents will investigate and find solutions. Meanwhile MNWD increased the cost of water…