Mortgage Loans

1/09/2014

MLS Southern California Shop for a Laguna Beach Home

Kitch, Frida Kahlo, Spanish, beach, Laguna, Our Lady, Oh my

Home Buyers Marketing II, Inc., of Home Buyers Marketing II and Caroline Gerardo, of Eagle Home Mortgage - NMLS# 849059, 324982 have partnered in a newly formed relationship with Home Buyers Marketing II, Inc. (HBM II), a national real estate company. HBM II provides area homebuyers with a FREE, innovative home finding service called the Home Buyers Scouting Report^®. This will allow you on to the MLS in Southern California to see real time listings as they become available.

We all know that listings on Zillow, Trulia and Redfin can be six months old, and often are already sold. If you are shopping for investment properties in Southern California or Riverside County California this tool can give you an edge. Before you shop, get pre-approved for a loan and get your American FICO scores up as pricing for mortgages in the United States are contingent on having high American FICO scores. Canadian citizens will only have one score, the Beacon score which will cost you a higher interest rate.

The Home Buyers Scouting Report matches your personal home search preferences with properties that are currently listed for sale and within your price range.

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Helping you find the HOME™

		Eagle Home Mortgage - NMLS# 849059 And NMLS #324982 Irvine, CA 92618 Newport Beach, CA
Caroline Gerardo carolinegerardo@eaglehm.com http://cgbarbeau.blogspot.com/ eaglehomemortgage.com/carolinegerardo/ Loan Officer Cell: 949-637-8190 Orange County Real Estate: 949-784-9699 Loan Application: -->Licensing Information
Helping you find the LOAN™

*In some markets not all of the listings are available because of local rules and regulations. Address, mapping & other property information restrictions apply in some markets. The Home Buyers Scouting Report^® (HBSR) is a free home finding service provided directly to you as a homebuyer by Home Buyers Marketing II, Inc., a licensed real estate brokerage services company. Our purpose is to assist you in your home buying efforts. The Preferred Real Estate Agent and Home Buyers Marketing II, Inc. (HBM Il) are cooperating, licensed real estate professionals. The Preferred Real Estate Agent is neither an agent nor a broker for HBM II, but works cooperatively with HBM II to assist in your home buying efforts. © Copyright 2003-2010, Home Buyers Marketing II, Inc.

Online and Available 24 Hours a Day!

Login to HBM II’s private, password-protected website to view the listings that match your home search criteria with pictures, prices, address, directions, and maps.* You can easily customize your search any way you like – search for homes by school district, square footage, price, number of bedrooms, and more.

Save and track your favorite properties and receive email updates if the price changes or the property is sold.

Be the First to Know

Many busy homebuyers learn about a great property, only to find that it has already been sold. That won’t happen with the Home Buyers Scouting Report because you will receive Quick Alert^® emails of new listings matching your search criteria as they become available.

There is no obligation. Using the Home Buyers Scouting Report will enable you to get a real sense of the current housing market, right from your computer. Whether you are looking to buy a new home soon, or just thinking about new home possibilities, we believe this is the best home finding service available. And, as a preferred customer, we wanted you to know about it.

For more information about receiving this FREE home finding service, call today. We look forward to hearing from you. (949) 637-8190 cell

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Decorating Frida Laguna Style

Liquor Bottles

siamese cat on layered ethnic quilts

Frida Kahlo Artist Retreat Home in Laguna Beach

Bohemian style with Hispanic Flare

1/07/2014

FREE Offer to Search the MLS

Contact me for Free access to the MLS in Southern California.
This limited time offer is worth hundreds of dollars a month.
Find your dream home from your cell phone at lunch, late at night, or at 2 AM...
Next contact your Realtor to go see it in person.
Save time and effort of seeing many homes in the relaxation of your home.
Zillow, Trulia and Redfin only have aggregated or old information.
They download and pirate from the internet.
Often a listing on Zillow appears active, but was sold months back.

Find the latest REO's, foreclosures, deals and steals before someone else snaps them up.

This offer is only good for Southern California from January 7th through the 30th and lasts a year subscription.

http://eaglehomemortgage.com/carolinegerardo/

免費獲得南加州的多重上市服務，請聯繫卡羅琳赫拉爾鷹住房抵押貸款（949）637-8190。發現加州的屬性是積極的房源，對市場上的每個人都可能之前。外國國民抵押貸款，住宅房地產。

Winter Home Maintenance

Fall home preparation.

Flush hot water heater, clean out vents. This prolongs the life of the heater and helps with efficiency as well. In Orange County we have terrible corrosive water. Checking the water heater is vital. There are also service companies that will clean your air ducts. After any construction, remodel or in dusty areas you might consider getting all that junk out every other year.

Winterize air conditioning systems. Remove and store window units. If you have central air, cover the outside unit with a tarp or plastic sheeting and secure with bungee cords. Clean out leaves or debris.

Get heating system ready. Add insulation to windows or doors that leak air. Make sure heating vents are open and not blocked by furniture. Get furnace serviced/inspected at least every other year, preferably annually. As with the AC, this shouldn’t be a huge expense. Don’t forget about fireplaces if you have them. Hire a professional to sweep the chimney, and inspect the brick, flue and caps.

Turn off and flush outdoor water faucets. Also flush hoses and store them. Winterize sprinkler systems as well. (this not necessary in warmer climates such as Orange County where I live J

Check driveway for cracks. Make sure to have re-sealed before winter; water can freeze and expand in the cracks, causing more damage. Have a pro grind down any entry walk that lifts as to trip someone.

Buy gear that is off season. Purchase summer goods in the Fall when they are on sale. In September shade umbrellas, cushions, garden tools and pool equipment is discounted to make room for Christmas decorations.

Check foundation of your home. Take a very long flat head screw driver and go around the perimeter looking for dry rot or mud tubes in the soil up to wood. Termite granules purchased a a hardware store won’t kill all the infestation, but will slow the buggers down. I am a huge proponent of organic and not using chemicals, as I love to have vegetables and herbs to eat but orange oil doesn’t work. Check where rain gutters or water settles. Removing water sources will make the next colony go elsewhere. They are mostly in kitchens and bathrooms.

Paint Once a family owns a home painting is the most overlooked tool. Paint seals the home and needs to be freshened up indoors and out. Check laundry room, where your dogs sleep and bathrooms all these are a Saturday project to freshen up this winter.

Bleach and water solution of one cup bleach and two cups water – wash under all sinks, around base of toilets and caulking. If you have black or red discolored grout take a toothbrush (open all the windows) and apply bleach not diluted. Leave it on for an hour and rinse a couple times with water. A half a cup of bleach can scrub a whole bathroom. Don’t pour a quart and leave it open the fumes are not good.

Oil and lubricate doors, locks, and anything metal.

Check and change light bulbs and batteries for smoke and carbon monoxide detectors

Get the whole family on a chore day together!

1/02/2014

Hand made presents

This Christmas I made stockings from recycled fabrics, buttons and beads.

These are photographs of works in progress.

Why do crafts on Pinterest look so easy?

Why do craft projects seem to take over my whole house?

If I dare post the finished products you might be surprised how pretty they turned out

But the road to success was littered with scraps of fails

Fun post for the after the holiday blues.

Bird houses

Birdhouses
Birdhouses above by Artist Ibriham Abumsihar

Photograph of birdhouse by Wayne Riner

A variety of birdhouses that I think are beautiful.
Happy New Year from Orange County California ( I'm back from Wyoming )

This bird house is pretty humorous

Bird condo in Turkey

Photograph by Harrold Jerrell

Loans for your big or little home.

Communities in Orange County California where I can meet with you in the comfort of your home same day. Also available throughout California

Orange County Cities and Areas where we can close mortgage loans in less than 20 days:

Aliso Viejo, Anaheim, Atwood. Brea, Buena Park, Capistrano Beach, Corona Del Mar, Costa Mesa, Cypress, Dana Point, East Irvine, El Toro, Foothill Ranch, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, LA Palma, Ladera Ranch, Laguna Beach, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Midway Coty, Mission Viejo, Modjeska Canyon, Newport Beach, Newport Coast, Orange, Placentia, Rancho Mission Viejo, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Silverado, Silverado Canyon, Stanton Sunset Beach, Surfside, Trabuco Canyon, Tustin, Villa Park, Westminster, Yorba Linda

NMLS# 324982 Caroline Gerardo / C. G. Barbeau

http://www.eaglehomemortgage.com/carolinegerardo/

12/20/2013

New Year's Resolutions

It may be time before New Year's to make financial resolutions.

Call me to discuss a lower payment.

Together we can come up with a plan to save more money.

perhaps your insurance needs a tune up or there is deffered maintenance on the house that needs some attention?

12/19/2013

Sell Your House

How to prepare your house to sell

Tips for preparing your house to sell

De-clutter: Donate it, dump it, or store it. 
De-personalize: Remove family photos, personal memorabilia, keepsakes, etc. 
Remove furniture: Create the feeling of space, especially if square footage is limited. 
Clean your house: A clean home tells buyers that it is well-maintained. 
Paint the walls: Keep the walls neutral to appeal to more buyers. 
Bring in the light: Take down heavy window treatments, clean the windows, bring in lamps. Buyers like bright homes. 
Do the minor repairs: Replace light bulbs, fix leaky faucets, make sure closet doors are on track, etc.
Add curb appeal: Clean the yard, trim shrubs, add a nice doormat to welcome visitors. 
Update kitchen: Buyers place a huge value on updated kitchens. This is where you should make big improvements. Now that we've entered into a 'buyer's market', creating a positive first impression and showcasing the best attributes of your home are essential in today's real estate market.