Mortgage Loans

2/06/2014

Search The MLS for A Beach House Free

MLS Access FREE

Access the MLS Directly

Ask ME How

Home Scouting from your mobile phone

Shop for your new home in Southern California online

See listings the minute they are uploaded into the MLS

just as Real Estate Agents can access

Direct your location, property type, sales price

But first get a pre- approval letter from me

they you can pounce on the best house for you

Caroline Gerardo services California Home Loans

Call and Ask about a Five Million Dollar Beach House or a USDA rural no down payment loan

or our gift program

NMLS #324982
Universal American Mortgage Company of California, dba Eagle Home Mortgage of California, A Lennar Homes company Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

Urth Cafe Laguna Beach

Laguna Beach house balcony

Just a personal blog note today.

Weather in Laguna Beach has been overnight dripping showers,

not cold enough to put on a wet suit,

not warm enough to garden after work.

Dare I complain when I'm headed to Boston to visit

colleges with my son, and stay at Harvard Business

School professor apartments with my sister Nori.

This morning I sighted contractors with paper

plans in rolls at the long defunct Cottage restaurant.

I look forward to Urth Café opening at the old Cottage location.

Urth Café in Los Angeles is one of my favorite stops.
It will be fun to have them right across from the museum.
I can see the line now.

I wonder how long it will take to clean up the

grease traps, leaking roof and

dare I say foundation.

Meanwhile I'm shopping my seed catalogues

for rare vegetables and flowers for spring.

What are you working on?

2/05/2014

Foreign National Mortgage

Beach house patio

FOREIGN NATIONAL MORTGAGE LOANS ON U S PROPERTIES UP TO FIVE MILLION DOLLARS, and higher case by case
Investment homes, second homes, beach house

Foreign Nationals Canadians Chinese Buy US properties

Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303 http://cgbarbeau.blogspot.com/ www.eaglehomemortgage.com/carolinegerardo/ Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive Suite #500 Irvine CA 92618 NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify. copyright 2014 information was sent by: Caroline Gerardo | 8105 Irvine Center Drive #500, Irvine, CA 92618

2/04/2014

Grants Gifts Money to Buy a Home

Laguna Beach House

Trust

Rate Sheet as of 2/4/2013 Rates Change this is not a Commitment to Lend
Down Payment Assistance Loan Description 30 Year

3% Grant Program 4.25% rate 4.400 APR

5% Grant Program 4.75% rate 4.901 APR

CHDAP FHA         3.875% rate 4.021 APR

CHDAP CONV.       4.125% rate 4.290 APR

Down Payment Assistance
Homebuyers Fund:
Designed to increase
homeownership opportunities
for low-to-moderate
income individuals
and families in California.
Down Payment Assistance
proceeds may be used
for down payment
and/or closing costs up to 5%.
Or $21,100.00
It may not be enough to buy a Beach house in Laguna, but certainly
a wonderful program for a first time home buyer.

Caroline Gerardo

Loan Officer

NMLS #324982

Cell	949-637-8190

eFax	855-883-4303

CarolineGerardo@eaglehm.com

www.eaglehomemortgage.com/carolinegerardo

http://cgbarbeau.blogspot.com

Committed to Seeing You Home.

NMLS #849059 CA #813I609 Universal American Mortgage Company of California, dba Eagle Home Mortgage of California.
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
RMLA #4130383, NMLS #252392. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify.

This is not a commitment to lend.
Rates and terms change daily.
Borrower must qualify for FHA loan purchase.

2/03/2014

Condos Laguna Niguel

Laguna Niguel Map of Most Condominium Complexes

Map of condos in Laguna Niguel is missing a few complexes but pretty complete

http://www.botid.org" title="Botid.org Internet Directory Listing">Botid.org Internet Directory Listing
You can add your url to botid.org the best of the internet directory. Our is added under Real Estate Directory

South Orange County Condos

Condominium Complexes in South Orange County

Potted Meyer lemon and succulents on a lovely Laguna Beach patio

It is my plan to list and publish images of the Condo complexes in South Orange County and
compile and post the CCR's Bylaws and last budgets when available. Homeowner Associations hire management companies that charge $ 500 to $1000 for this information that should be available to every owner, prospective buyer, mortgagee and mortgage lender for free. Most of the documents (not the budgets) were recorded but are difficult to find if you don't work for a title company

Here is a brief list of the associations I hope to complete this year:

If you have information on Homeowner Association Lawsuits and

CCR's Budget Bylaws please contact me

Caroline Gerardo (949) 637-8190

Alta Vista Association
Arch Beach Heights Association
Bella Vista
Blue Lagoon, Laguna Beach
Bluebird Canyon Association
Bluebird Knolls Association
California Mobilehome Parkowners' Alliance
Canyon Acres Neighborhood Association
Capistrano Garden Homes Association # 1
Capistrano Royale (The Acreage) Homeowners Assoc.
Capistrano Villas Homeowners Association # 1
Capistrano Villas Homeowners Association # 2
Capistrano Villas Homeowners Association # 3
Capistrano de Oro Homeowners Association
Casitas Capistrano Homeowners Association III
Connemara II Property Owners Association
Corinche Master Association, Laguna Niguel
Crescent Bay Association
Crown Valley Highlands Community Association
Dana Terrace HOA
Del Cabo Properties Inc
East Nine
El Mirador Association
Emerald Ridge HOA
Hampton Hill HOA
Harbor Merchants Association
Hunt Club II Community Association
Huntington Pacific
Laguna Beach South Entrance Association
Laguna Canyon Property Owners
Laguna Crest HOA
Laguna North
Lagunita, Laguna Beach
Lantern Bay Villas, Dana Point
Lantern Village Association
La Vista
Loma Verde Homeowners Association
Lomas San Juan Park
Lomas San Juan RV
Los Corrales Homeowners Review Committee
Lower Diamond Association
MS1 Residents
Malaspina Homeowners Association
Marinita HOA
Marquesas at Monarch Beach
Mesa Vista South Homeowners Association
Mission Woods Architectural Review Committee
Misty Ridge
Monarch Bay HOA
Monarch Bay Terrace HOA
Monarch Beach Civic Association
Monarch Beach Master Association
Monarch Beach Villas HOA
Monarch Hills Condos
Montego at Monarch Beach
Mystic Hills
Niguel Beach Terrace HOA
Niguel Shores Community Association
Niguel Woods
North Laguna Community Association
Ocean Cliff Manor Neighbors
Old Mill Pond HOA
Regatta Homes HOA
Rio Vista Homeowners Association
Ritz Cove
San Juan HIlls East Homeowners Association # 1
San Juan HIlls East Homeowners Association # 6
San Juan Hills Community Association VI
San Juan Hills East Homeowners Association # 5
San Juan Hills East Homeowners Association # 7
San Juan Hills Inc.
San Juan Mesa Verde Homeowners Association
Selva Hills HOA
Silverleaf Estates
Stoneridge Estates Homeowners Association
Tierra Del Caballo Homeowners Association
Valle Pacifica Homeowners Association
Verde San Juan Estates
Villa San Juan Mobilehome Park Association
Villas at Monarch Beach HOA
Vista Fuente Homeowners Association
West Nine
Woods Cove Neighborhood Association

Extra Mortgage Tax Deduction

Qualify for a little more loan and get an extra tax credit

Birdhouse, succulents on South Laguna Beach patio

CAROLINE GERARDO
Mortgage loan application here:

http://eaglehomemortgage.com/carolinegerardo/

Newport Beach CA 92660

(949)784- 9699
On a $400000. Loan a tax credit of $ 2000 is used as

$ 166.66 deduction on your debt to income ratio.

This credit is real cash on filing your Federal Tax return

for the life of the loan AND can bring down
your debt to income ratio to qualify.

Today many loan programs won’t

allow you to go above 43%
Debt to Income Ratio (DTI )

And this amount equals about $ 38000

of higher loan amount available
to a first time home borrower.

You cannot have filed a federal tax return

in the past 3 years with
mortgage interest deduction or real
Property tax deduction

CAROLINE GERARDO

NMLS # 324982
Newport Beach CA 92660

(949)784- 9699

On a $400000. Loan a tax credit of $ 2000 is
used as $ 166.66 deduction on your debt to income ratio.
This credit is real cash on filing your
Federal Tax return for the life of the loan AND can bring down
Your debt to income ratio to qualify.

Today many loan programs won’t allow you to go above 43%
Debt to Income Ratio (DTI )

And this amount equals about $ 38000 o
f higher loan amount available to a first time home borrower.

You cannot have filed a federal tax return in the past
3 years with mortgage interest deduction or real
Property tax deduction

West Nine Condominiums

Sunflower birdhouse

The West Nine condo complex was built by AVCO in 1971 before Laguna Niguel was an incorporated city. Laguna Niguel became a city in 1989, back then Crown Valley Parkway was the only freeway off ramp and most of the hillsides were grasslands overlooking beaches. Located on Crown Valley Parkway between Clubhouse Drive and Camino Del Avion The West Nine is a safe complex to relax and call home. The City of Laguna Niguel has just over sixty thousand residents.

This well maintained complex has large detached garages placed on the Crown Valley side many units have lovely golf course views. The garages on the street side buffer road noise. Trash facilities are also in enclosed buildings street side. El Niguel golf course below has several ponds and fountains where home owners can watch migrating snow geese, ducks and local song birds. The There are two rows of two story condominiums. The buildings are in rows of six, or eight, allowing sets of twelve or sixteen units. The builder was careful to angle the rows as to allow the back sets to be five feet above the front row and breaks in between the structures allow peek a boo views. There are a few single story units in the front.

There are no pool or tennis facilities owned by West nine, as newer condominium complexes added these amenities. El Niguel Racquet Club has great tennis courts, an Olympic sized lap pool and extensive weight rooms that a homeowner could join (and pay for) adjacent to the property. Owners are also able to join El Niguel Country Club and Golf Course, nestled between Laguna Beach and Dana Point, on the border of Monarch Beach and Laguna Niguel

Home Owners Association fees $ 380. Monthly

This home is also located close to the St. Regis Hotel and the Ritz Carlton and within one mile of beautiful beaches Salt Creek Beach, fine dining and dancing at Brio, a close by Trader Joe’s on Golden Lantern, luxury Cinepolis theater on nearby Camino Del Avion cross street.

Blue diamond schools with active PTA and small classroom size.

Nearby Hiking: Woods Canyon, Aliso Canyon, Top of the World Park, and Badlands Canyon to name a few.

Current listings: