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CG
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for all of California

Don't Buy Gifts Out of Guilt This Season

buying on line

This holiday season I encourage you not to purchase a bunch of gifts out of obligation. Teach those around you not to incur debt.

Instead make them something.

Can you bake? 

Can you knit?

Can you do yard work?

Can you walk a dog?

Can you make a wreath?

What can you do that shows love and joy rather than buying stuff?

Fill someone's bowls with fresh fruit. 

Clean up grandmother's garage.

Do some act of kindness.

You will feel so much more part of the season

Merry Christmas

link to my ugly Christmas sweater

https://sf3.tomnx.com/landingpage/?isPreview=true&token=e5pbSE&cid=woDelwted&userId=36lNIJD 

Mortgage Payment Calculated in Your Brain

Mental Mortgage Math or

How to figure a payment in your head like a genius

Okay show them you are a brainiac with this

Did you know you can calculate a principal and interest payment on the fly?

Let’s use a 6% interest rate as an example:

Payments - The payment for principal and interest equals about $600 on a $100,000 30-year loan. Use this as your benchmark. (Actual is $599.55.)
Principal Paid - At this rate, figure 1/10th of 1% of the loan amount each month. Example: $100,000 loan = $100 of principal paid. (Actual figure starts at $102.33, increasing with each payment.)
Interest Paid - Subtract the principal from the payment to determine the approximate cost of interest. Example: $600 payment - $100 principal = $500 interest.
As rates change all the time, call for an update on current levels, and we'll calculate a current benchmark applicable to today's markets.
Mental Mortgage Math is not meant to replace your calculator but is a great way to estimate numbers quickly on the fly. Call when you want us to do the rest.

Sincerely,

here I am at San Juan Capistrano mission at night doing my calculations in my head

Caroline Gerardo Barbeau please call me C. G. phone: (949)784-9699 NMLS 324982

© 2019 CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS# 1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. AZ license #0903132. Offer of credit is subject to approval. To verify our complete list of state licenses, please visit  and www.nmlsconsumeraccess.org.


This blog  is part of my effort to maintain our relationship and keep you well informed of market conditions. It could be interpreted as a commercial message
CMG Financial 19671 Beach Blvd. Suite 101 Huntington Beach CA 92648

Mortgage Rates Are Down

Mortgage Rates Are Down

Conforming Loan Limits Increased in most California Counties!

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C G

NMLS 324982