8/20/2018

No Tax Returns Bank Statement Mortgage Approval

Approval With 12 or 24 Months Bank Statements 






INVESTMENT Up to 80% LTV to $1M FICOS from 580

OWNER OCCUPIED Up to 95% LTV to $1.5M on Purchase and RT






• Derogatory Credit settled, No seasoning required
• 5/1 7/1 ARM; 30 and 40 year fixed rate mortgages
• $75K minimum $5 M maximum




Please call: C. G. (949) 784-9699
Caroline Gerardo NMLS #324982

Eagle Home Mortgage, LLC. - Company NMLS #1058. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130443. Certain restrictions apply. This is not a commitment to lend.

8/13/2018

What the HOLY Fire Taught Me




I was not in a mandatory evacuation zone.
I was within eye shot of smoke and flames of the #Holyfire
earlier this week.
I'm back home putting away my photographs, signed books and art.

What I learned from the wildfire:

Be ready.

Write out your plan and walk it through.

Have boxes and bags on hand to quickly pack what you take
and fits in your vehicle. Keep the memento items you plan
to grab in one place. I spent time looking for my son's
First Communion rosary (he's away at college - the one thing he
wanted from his room).
You need work clothing and extra shoes.
Put your passports and birth certificates into a safe deposit box. Some banks charge an annual fee, check for free ones. DO THAT NOW.

Turn off gas and propane lines, know where the valve is and leave a wrench there for easy fast shut off.











Remove dangerous/ hazardous items or label the buildings that keep firearms,
fuel or flammable items with the hazardous materials sign.


On Monday, the first day, I called Enterprise to rent a truck, thinking
I was to move my neighbor's ten dogs. Type the number into contacts to call before the emergency.

There will be a staging area or typically horse stable/ fairgrounds
to drop animals BUT the animals need to be labelled.
Have collars with your phone number, spray paint on their back,
nail polish your cell number on hooves - durable and visible.
Plan this in advance. Have buckets or metal bowls
for water and a couple days of feed. Have pictures of the animals
in the cloud. If animals are small or old, keep them with you as this may cause them trauma.

News media lags in information time, even a day or two.
Timely information is comforting and useful. Connect with neighbors
on social media in advance. Be supportive and positive online. I found
Instagram helpful, I don't know what media is going to be the best in
the future, but use two and get some friends together, a posse.
I listened to KFI radio, and fire news wasn't current. On day three, my daughter made me stop listening to sensational news about murders, court trials,
and the President on that radio station. This information I find overload of drama. Listening to the news I thought gave me comfort but it riled up my emotions with clutter.
Do what keeps you on track.


Get prepared now for the next disaster.

Clean out your rain gutters. The leaves are a fire hazard.
Clean out clutter, also fire and trip hazards.
Cut down all dead trees and brush 250 feet of your structure.
The wood can be used as firewood but don't move it - this spreads
bugs and disease. You can cut up the wood and bury it with a foot of
dirt on top. The wood will rot into the soil and add moisture over time.

Trim trees so the canopy is higher than ten feet underneath, even for weeping varieties.

Prune out all dead wood in bushes. Its a terrible idea to cut hedges and bushes
into a ball or box without allowing light inside. In the core is a tangle of dried
timber that needs trimming.

Donate chemicals and paint and flammables you don't need.

It is YOUR JOB not the city or county or neighbor to prepare.
Clear a free zone.
IF you had fire, next we have flooding, so get that ready for winter.

If you haven't had a fire in the western United States, you are fortunate,
help others. Don't donate to the Red Cross or United Way - the money only goes to fat salaries. Give to a local cause you know.
The last of my sunflowers survived not being watered a couple days.
Since we stayed on my sister and brother in law's couch- I gave her some
sunny sunflowers.

I saw beautiful people. I'm proud of the firefighters, the rangers, the CHP, the Cal Trans people, my neighbors, the water truck guy, the brave and simple kindness of animal control acting as animal rescue and our Orange and Riverside communities who cared for one another.
Grateful the fire is almost out.







7/27/2018

Grilling Dinner Recipe

Japanese Eggplant from my garden
My garden displays wild colors now in its' final summer glory.
Since the weather has been 117 degrees on a few days, a couple trees
dropped all their foliage and produce wilted.
I chopped up the vegetables and grilled many to enjoy a
feast before the bunnies, deer or heat gets them.

Marinaded Vegetables Grilled
Recipe:

Prepare marinade in a bowl
Divide marinade in half and put sliced veggies mixed in a bowl with half

3 bell peppers,  1 eggplant, 2 squash, 6 green onions all sliced to same thickness
These vegetables cook in about 4 minutes. Add what you have in the garden.
Don't move them around only turn once to get some char marks and
nice roasted flavor.

Add mushrooms, hot peppers, asparagus or whatever you have fresh.

Cooking time is brief. Keep an eye on everyone.
Getting outside in to grill keeps the house cooler
and allows enjoyment of summer sunsets.

Prep time:  2 minutes
Cook grill time: 4 minutes

Nutrition facts:  Rich in Vitamin A, Thiamin, Niacin, Phosphorus and Copper, and a very good source of Dietary Fiber, Vitamin C, Vitamin K, Riboflavin,Vitamin B6, Folate, Magnesium, Potassium and Manganese.

1/2 cup serving 260 calories
cuisine: vegan healthy

author: Caroline Gerardo







peppers from my garden


smoker in the yard
My grill is a very large drum sized smoker. 
This is a safe way for me to cook outdoors 
as in California fire danger is a concern.
Video above of deer sneaking during daylight on my hill,
"Hey what's for dinner lady?" she says
I like to grow lots of hot peppers. I use them to surround the garden in the spring, this keeps the bunnies away

yellow neck bumpy squash I got these seeds a long time ago 
Williams Pride Green and blush apples from my garden




















Dessert also made on the grill
I have Williams Pride apples which are
sour but yummy after baked
Cut the core out
add a tablespoon of sugar, sprinkle of cinnamon, a dab of butter,
and raisins if you like inside.
Wrap in foil, place on metal baking dish on
the grill away from flames spurting.
Leave on grill while you have dinner.
In 30 minutes (more it large apples)
take off heat and keep wrapped until you are
ready to add a scoop of vanilla greek yogurt
or just enjoy warm

7/18/2018

Orange County Home Prices






























According to a Zillow study this month Orange County California Median
Home Prices are still Rising. Time to buy may be in the heat of Summer of
2018?