C G at Sun West Mortgage

HOME LOANS 

 Call to find out what documents are needed

 Contact 

(949) 784- 9699 

Mortgage Loans

C G Caroline Gerardo Barbeau 

 Work With a Trusted Mortgage Lender | NMLS# 324982 

 Sun West Mortgage Company, Inc. | NMLS# 3277

 Why Choose Sun West Mortgage Company? 

At Sun West Mortgage Company, Inc. (Sun West), we dedicate ourselves to offering the best service to our customers. To accomplish this, we empower our loan officers so that they can find great rates and provide the best fitting loan options to each customer – at amazing speeds. 

Our focus on technology has given us an edge in the mortgage industry to offer some of the fastest turn times available – so you can get into the home of your dreams sooner! Our commitment to our core values of people, experience, technology, and product stem from the values that Sun West was built on. Sun West was founded in 1980 with the perspective of “clients first” and the desire to make the mortgage process easy and stress-free for prospective homeowners. Since then, Sun West has grown to have a 9 Billion+ Loan servicing portfolio and is licensed to lend in 48 states, Puerto Rico, and the US Virgin Islands. 

 Fast Closings Using our proprietary lending platform, we're able to get your loan closed fast, and guide you home even faster.  

AFFORDABLE DOWN PAYMENTS Put down as little as 3% on fixed-rate products and ask about lender-paid mortgage insurance options.

 NO HIDDEN LENDER FEES We don't hide anything in the fine print. It's our priority to keep you informed of your financial obligations. 

 BBB accredited business 

 Mortgage Executive Top 50 ©

 Sun West Mortgage Company, Inc. (NMLS ID 3277) All Rights Reserved. Please Click Here or refer to www.nmlsconsumeraccess.org to see where Sun West Mortgage Company, Inc. (NMLS ID 3277) is a licensed lender and servicer. We are not accepting applications from Georgia or Massachusetts residents or purchasing mortgages secured by Georgia and Massachusetts properties at this time. Please Click Here to view Texas Complaint Notice and Servicing Disclosure. Although Sun West Mortgage is approved to conduct business in the state of New York, this website has not yet been approved by the State of New York Department of Financial Services. For properties located in the State of New York, this website can not be used to upload an application, please visit SWMC.com to upload an application. Equal Housing Opportunity

Between a Rock

The market opened today’s morning session with treasuries moving slowly higher across all maturities. The ten year, what we spot for mortgage pricing in the following hours (10-Year Treasury yield)  is at 0.5117, 3.60 basis points decreased from yesterday's prior closing of 0.5477.

United States stocks opened lower this morning as investors weigh uncertainty of a congress-approved stimulus against better than forecasted jobs data. US lawmakers continue talks over a new COVID-19 relief package, with a self-imposed deadline set for tomorrow.

President Trump is sinking in the poll numbers amid the virus's resurgence, Democrats play hard-ball, refusing smaller scale proposals that do not include additional aid for postal service and state governments to conduct Vote-by-Mail, which the White House vehemently opposes. Come together two rocks!

Something has to give, between a rock and a hard place, so the saying goes. Americans face huge unemployment numbers, unbelievable forbearance numbers and next we will witness unprecedented evictions and foreclosures as there are not great replacement jobs available in the country. If I could give advice to lawmakers, politicians it is this: the poor, the minorities, the quiet Americans who worked hard need your planning and help now. If you need help with a home loan, let's talk I am here to help.

Happy Home

Making your home beautiful this summer doesn't need to be expensive.

The containers for the above succulent planters are re-used rain gutters that

neighbor threw away, added brackets and attached to wooden fence.

Succulents are from cuttings - soil is well draining with one part each:

 sand, pearl-ite, and compost. In the first month they need to stay damp (you can 

cover with newsprint or used plastic to keep the soil from drying out).

Bromeliads are easy care indoor plants that add color- they do need light,

but not full sun of the open garden. A porch or patio will make a nice home.

I might be able to save you money on your monthly mortgage. Give me a

call, lets see if we can get rid of your mortgage insurance or make financial

sense out of this crazy time. Rates are at all time lows.

C G (949) 784-9699

NMLS 324928

Identity Theft Protection Red Flags

 

Anyone who has been  victim of Identity Theft knows it is a hassle. 

There are steps a bank or lender are required to keep you safe; but

you must also be diligent.

Change your passwords on any money account or any that hold a credit card

Review your statements

Give your bank or credit card company your cell phone and email that you open

Opt for two stage authorization

Delete credit cards from old accounts that are dormant

When you receive an inbound email look at the email address of the sender.

If you don't recognize the sender, DO NOT click on any links.

Facebook, Apple, Google do not need your real date of birth or address.

Lenders, banks, mortgage companies those who collect payments and more must follow

new Red Flags laws to protect your information. Here are some handy questions

and answers about identity theft red flags

	1.	Which could be a red flag?
		A. Document that looks altered or forged B. Person on ID does not look like person present X C. Both A and B D. Neither A, nor B SEE EXPLANATION

 

	2.	A compliant Red Flags Program will have policies and procedures to identify, detect, and ______ Red Flags
		A. Respond B. Investigate C. Remove D. Prevent SEE EXPLANATION

 

	3.	Banks are required to exercise effective oversight of service providers for Red Flag Rule compliance.
		X A. Always B. True, only if they are conducting activities covered by the Rule C. Never D. True, only if they have subscribed to implement the same policy as the bank. SEE EXPLANATION

 

	4.	Which of the following is not required in a Red Flags Rule program?
		A. Detail on how the program will keep current with new threats B. Appropriate actions it will take when it detects red flags C. A manner in which to detect red flags X D. A list of penalties for those accused of identity theft SEE EXPLANATION

 

	5.	The four steps that are required as part of the Red Flags Rule are?
		A. Identify, Detect, Respond, Update B. Find, Investigate, Suspend, Remove C. Inquire, Evaluate, Act, Remove D. Find, Evaluate, Respond, Remove SEE EXPLANATION

 Anything too good to be true is a sign to run.

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