Grants Gifts Money to Buy a Home

Laguna Beach House

Trust

Rate Sheet  as of 2/4/2013 Rates Change this is not a Commitment to Lend Down Payment Assistance Loan Description 30 Year 3% Grant Program  4.25%  rate 4.400 APR 5% Grant Program  4.75%  rate 4.901 APR CHDAP FHA         3.875% rate 4.021 APR CHDAP CONV.       4.125% rate 4.290 APR   Down Payment Assistance Homebuyers Fund: Designed to increase homeownership opportunities for low-to-moderate income individuals and families in California. Down Payment Assistance proceeds may be used for down payment and/or closing costs up to 5%. Or $21,100.00 It may not be enough to buy a Beach house in Laguna, but certainly a wonderful program for a first time home buyer.

Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190   eFax 855-883-4303 CarolineGerardo@eaglehm.com www.eaglehomemortgage.com/carolinegerardo http://cgbarbeau.blogspot.com     Committed to Seeing You Home.

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.

This is not a commitment to lend.
Rates and terms change daily.
Borrower must qualify for FHA loan purchase.

Condos Laguna Niguel

Laguna Niguel Map of Most Condominium Complexes

Map of condos in Laguna Niguel is missing a few complexes but pretty complete


http://www.botid.org" title="Botid.org Internet Directory Listing">Botid.org Internet Directory Listing
       You can add your url to botid.org the best of the internet directory. Our is added under Real Estate Directory

South Orange County Condos

Condominium Complexes in South Orange County

Potted Meyer lemon and  succulents on a lovely Laguna Beach patio

It is my plan to list and publish images of the Condo complexes in South Orange County and
compile and post the CCR's Bylaws and last budgets when available. Homeowner Associations hire management companies that charge $ 500 to $1000 for this information that should be available to every owner, prospective buyer, mortgagee and mortgage lender for free. Most of the documents (not the budgets) were recorded but are difficult to find if you don't work for a title company

Here is a brief list of the associations I hope to complete this year:

If you have information on Homeowner Association Lawsuits and

CCR's Budget Bylaws please contact me

Caroline Gerardo  (949) 637-8190

• Alta Vista Association
• Arch Beach Heights Association
• Bella Vista
• Blue Lagoon, Laguna Beach
• Bluebird Canyon Association
• Bluebird Knolls Association
• California Mobilehome Parkowners' Alliance
• Canyon Acres Neighborhood Association
• Capistrano Garden Homes Association # 1
• Capistrano Royale (The Acreage) Homeowners Assoc.
• Capistrano Villas Homeowners Association # 1
• Capistrano Villas Homeowners Association # 2
• Capistrano Villas Homeowners Association # 3
• Capistrano de Oro Homeowners Association
• Casitas Capistrano Homeowners Association III
• Connemara II Property Owners Association
• Corinche Master Association, Laguna Niguel
• Crescent Bay Association
• Crown Valley Highlands Community Association
• Dana Terrace HOA
• Del Cabo Properties Inc
• East Nine
• El Mirador Association
• Emerald Ridge HOA
• Hampton Hill HOA
• Harbor Merchants Association
• Hunt Club II Community Association
• Huntington Pacific
• Laguna Beach South Entrance Association
• Laguna Canyon Property Owners
• Laguna Crest HOA
• Laguna North
• Lagunita, Laguna Beach
• Lantern Bay Villas, Dana Point 
• Lantern Village Association
• La Vista
• Loma Verde Homeowners Association
• Lomas San Juan Park
• Lomas San Juan RV
• Los Corrales Homeowners Review Committee
• Lower Diamond Association
• MS1 Residents
• Malaspina Homeowners Association
• Marinita HOA
• Marquesas at Monarch Beach
• Mesa Vista South Homeowners Association
• Mission Woods Architectural Review Committee
• Misty Ridge
• Monarch Bay HOA
• Monarch Bay Terrace HOA
• Monarch Beach Civic Association
• Monarch Beach Master Association
• Monarch Beach Villas HOA
• Monarch Hills Condos
• Montego at Monarch Beach
• Mystic Hills
• Niguel Beach Terrace HOA
• Niguel Shores Community Association
• Niguel Woods
• North Laguna Community Association
• Ocean Cliff Manor Neighbors
• Old Mill Pond HOA
• Regatta Homes HOA
• Rio Vista Homeowners Association
• Ritz Cove
• San Juan HIlls East Homeowners Association # 1
• San Juan HIlls East Homeowners Association # 6
• San Juan Hills Community Association VI
• San Juan Hills East Homeowners Association # 5
• San Juan Hills East Homeowners Association # 7
• San Juan Hills Inc.
• San Juan Mesa Verde Homeowners Association
• Selva Hills HOA
• Silverleaf Estates
• Stoneridge Estates Homeowners Association
• Tierra Del Caballo Homeowners Association
• Valle Pacifica Homeowners Association
• Verde San Juan Estates
• Villa San Juan Mobilehome Park Association
• Villas at Monarch Beach HOA
• Vista Fuente Homeowners Association
• West Nine
• Woods Cove Neighborhood Association

Extra Mortgage Tax Deduction

Qualify for a little more loan and get an extra tax credit

 

 

Birdhouse, succulents on South Laguna Beach patio

 CAROLINE GERARDO
Mortgage loan application here:

http://eaglehomemortgage.com/carolinegerardo/

 Newport Beach CA 92660

(949)784- 9699 
On a $400000. Loan a tax credit of $ 2000 is used as

$ 166.66 deduction on your debt to income ratio.

This credit is real cash on filing your Federal Tax return

for the life of the loan AND can bring down
your debt to income ratio to qualify.

Today many loan programs won’t

allow you to go above 43%
Debt to Income Ratio (DTI )

And this amount equals about $ 38000

of higher loan amount available
to a first time home borrower.

You cannot have filed a federal tax return

in the past 3 years with
mortgage interest deduction or real
Property tax deduction

 CAROLINE GERARDO

NMLS # 324982
Newport Beach CA 92660

(949)784- 9699 

On a $400000. Loan a tax credit of $ 2000 is
used as $ 166.66 deduction on your debt to income ratio.
This credit is real cash on filing your
Federal Tax return for the life of the loan AND can bring down
Your debt to income ratio to qualify.

Today many loan programs won’t allow you to go above 43%
Debt to Income Ratio (DTI )

And this amount equals about $ 38000 o
f higher loan amount available to a first time home borrower.

You cannot have filed a federal  tax return in the past
3 years with mortgage interest deduction or real
Property tax deduction