Mortgage Loans

6/02/2014

Life Is Good Rates Are Low!

Life Is Good

Call to Find Out How to Get a Low Rate

Mortgages Are Historic Lows!

Caroline Gerardo

(949) 637-8190

(949) 784-9699

Easy Loan Application 24/7 here

NMLS # 324982

We are a Lennar Homes Company

Eagle Home Mortgage

5/30/2014

CASTLE OR CONDO TIME TO REFINANCE

CASTLE OR CONDO

LOWER YOUR PAYMENT

Time To Refinance
IS NOW

Mortgage Rates Have Decreased

Your House Value Increased

Let's get rid of your mortgage insurance

Let's save you some money

Call now (949) 637-8190

When you look at mortgage rates,

you’ll see that they’re based on different factors,

such as the type of mortgage,

the loan amount and points.

The APR is useful when you’re comparing

the total cost of mortgage products

among lenders, because it includes

estimated loan fees and closing costs

spread out over the length of the loan.

LOAN APPLICATION ONLINE

Adjustable-Rate Mortgage: The initial payment on a 30-year $200,000

5-year Adjustable-Rate Loan at 2.875% and 70% loan-to-value (LTV) is $829.79 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 3.007%. After the initial sixty months, the principal and interest payment is $818.39. The fully indexed rate of 2.875% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years. The loan is amortized over 30 years.

30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed Rate Loan at 4.125% and 70% loan-to-value (LTV) is $969.3 with one point due at closing. The Annual Percentage Rate (APR) is 4.335%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $417,000.00

15-Year Fixed-Rate Mortgage: The payment on a $200,000 15-year Fixed-Rate Loan at 3.125% and 70% loan-to-value (LTV) is $1393.22 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.543%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $ 417,000.00

Jumbo Fixed Rate

Super Jumbo Mortgage

Construction Loans

Foreign National Loans to
Canadians and most other countries

HELOC

Caroline GERARDO NMLS #324982

GRANT BONDS CREATIVE
OWNED BY LENNAR HOMES
One of our nations biggest home builders

5/26/2014

Orange County Garden

Red giant mustard in the dark blue pot.
All winter / spring we have been cutting
kale, spinach, arugula, and this red
giant mustard for salad greens. I planted a big mix
of edible salad greens - mesclun,
tyee F1 spinach, and another
thirty varieties all from seed.
I'm allowing this mustard to
go to seed to have more to share and trade seeds.
My side yard is small.
I don't use any fertilizers, no chemicals
- only compost and water.
Yes I have slugs and snails
(I'm constantly hunting them and putting
out yeast sugar water traps)
but we didn't buy much green produce
for the past six months.
Mind you, my daughter is vegan, greens
are her mainstay.
I'm adding romanesco, some heirloom broccoli's, dragon carrots,
squash and multi-colored heritage carrots today.
The ten varieties of tomatoes are already blooming. Of course
all the yellow and purple cherry ones have fruit. Yummy!
It was foggy yesterday morning- good for photos but you
can't see the ocean very well in this picture, but its there.

Left two pots with geraniums, impatiens and purple pole beans
that will be soon climbing and take over the impatiens. This makes
a nice tent on the pergola.
To the right is a spectacular epi.
When I planted this epi it had four colors,
but the orange variety is the heartiest and blooms first.
There are pink blossoms starting on the opposite side.
My plan was that all four epis would evenly mix in
the pot. So much for plans.
Below is a pot saucer with a number of seeds drying-
nasturtiums that are almost spent in the garden, sweet
peas and painted blankets that still are going strong.

This pot has a rose I haven't patented yet. In the 1990's
I had a house in the central valley. What started as a hobby-
hybridizing roses became a passion. Many extinct varieties
I found in graveyards around the world. Yes graveyards-
because varieties that were planted in the 1800's that survived
with little care were valuable as seed stock to me.
I ended up selling a number of patents after I moved to
Orange County, California.
The weather here did not suit the type of
roses I perfected- roses that required no spraying of any kind,
liked heat, repeat bloomed and have the ruffley peony look.

Now after living in moist Coastal Air I've been working on
roses that don't rust and are also disease resistant - totally
organic again same flower shapes... It's more difficult than
heat resistance- its taken about eight years to have four cultivars.
With my work as a mortgage banker - sometimes the roses
get neglected. Only the tough ones will make the cut.
Then of course I'm slowly editing my fourth novel.
My children are almost old enough to help, hmmm
wondering what wonderful things the next stages of
my life will unfold.

This jasmine has almost taken over the tree here.
Two years ago I almost cut the whole tree down.
This variety drops about forty leaves a day - year
round drip torture as it is planted down wind right by
the pool. Also in the photo hydrangea- I love them
white.