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File Income Taxes FREE

It's tax time and you are counting the last few days
before it is due. No worries.
Taxes made fun and easy and free.

Here is a FREE solution that is really not that difficult.

Online software walks you through and double checks
for any possible deductions for that great and all powerful
REFUND!

Stop paying for an accountant or CPA if
you earn under $60000 and are under age 52

Receive a free Federal return if:

• Adjusted Gross Income is $60,000 or less, AND your age is 52 or younger, OR
• If You are eligible for the Earned Income Tax credit, OR
• You are Active Military for Adjusted Gross Income of $66,000 or less
• Available for foreign address filers
• Free for most state income tax returns if you qualify 

States:

 AL, AR, AZ, CA, CO, GA, IL, LA, MA, MD, MI, MO, MS, NC, NJ, NY, OH, PA, SC, 

VA or WI, 

AND

But

 IF 

THEN

When you go to the website for

Do not give them your credit card. 
Don't make this mistake my college son made
and H and R Block tried to take the little money 
he has now, but he's an engineering student at
an excellent university so I think he has a come 
back for Intellius the parent company of H & R Block,

Save the return  to your desktop or phone

Label it with the year of return and type of return so it is easy to find

print and mail it in

Email a copy to yourself to save for the future 

Here are a couple links to different companies that

made a deal with the IRS to allow them to efile 

millions of people's and business returns.

They offer free fillable forms, and a bit of tax advice.

https://www.1040.com/irsfreefile/home 

H&R Block's Free File 

FreeTax Returns.com

FreeTaxUSA®IRS Free File Edition

TaxSlayer

Lower Mortgage Rates

How do you know when you can lower your loan payments or perhaps even pay your mortgage off sooner?
I hope you know you can always ask me questions like these. Now, I’m sharing an easy way for you to explore options for yourself, too.
With just a few clicks, you can compare a current sample rate to your own plus answer other important questions.
Click on the photograph below: 



We update sample rates every weekday, so you can be assured the comparison you’re seeing today is timely. I encourage you to go ahead and bookmark the page to check again anytime in the future.
Finally, if you think any of your friends, co-workers or family members would benefit from a mortgage checkup, please feel free to forward this along. I’ll be happy to help them.
Thank you for your business and for your referrals.

C G Barbeau

(949)  784 - 9699

NMLS 324982

Short video of wildflowers - click on center arrow and again on bottom left arrow

Saint Francis statue with a dove

Wild lilies on the ranch

Refinance

Here are  reasons people refinance their home loan(s):

Rate Reduction - Rates don’t have to move much for a refinance to make sense. We simply need to determine the costs and benefits. The benefits may outweigh the costs…even with a rate drop that as is little as .25%.

Reduce monthly payment - change from 15  to longer terms as plans have changed. 

Removal of Private Mortgage Insurance (PMI) – Some loans require PMI and while most allow the removal of PMI without refinancing, you may be able to get rid of PMI sooner by refinancing. FHA loans originated after June of 2013 do not allow the removal of PMI without refinancing the loan completely.

Consolidation – Do you have a 2nd mortgage/HELOC, credit card debt, car loans, student loans, or even mortgages on other properties that you would like to consolidate? If so, a consolidation refinance may make sense. Student loan interest rates are often higher than mortgage rates

Cash-Out – Are you considering home improvements, starting a new business, or another project/investment in the near future? If so, refinancing and extracting some of your home equity may be a good option to consider.  Perhaps you need funds to send a child to college or care for parents

Life Events such as marriage, or divorce, college or a career change, homeowners often need to make a change in their mortgage which usually results in a refinance.

Change in loan term – Homeowners often find that their financial plans change over the years and in many cases that calls for a refinance. We offer countless loan terms. Whether you’re looking for an adjustable rate loan, an interest only loan, a 15 year fixed, or another program, I can assure you that the options are almost endless.

Count on me for honest guidance. I enjoy hearing from my clients. Call/email me if you or anybody you know would like to discuss a potential refinance scenario.

This spring the flowers are in bloom and it's time to refresh your payment

Call me  949 -  784 -  9699

NMLS 324982

poppy pattern for the Railroad diners circa 1800

Poppies in California are lighting up the hills with joy