Sparkle at Home

Chandelier rewired with antique crystals. Things that glow and flicker make me smile.

Lamp that looks like mercury glass and on off switch that looks like an old gas lamp. The idea that it gives is a glowing feeling. Lighting can create mood in a home.

Candles I made from Kerr jars, epsom salts and some recycled ribbons. The salts sparkle like snow when lit.

Abominable Snowman Cookies

 Christmas cookies that I gave as gifts this year. Abominable snowman just for fun. This year i think I added too much butter and they didn't keep their shape as well. They tasted great anyways...

Recipe:

1/2 cup butter creamed

3/4 cup sugar

1 egg

1/2 teaspoon vanilla

1 tablespoon cream

1 1/4 flour (maybe add a tablespoon more of flour to make them hold shape

1/4 teaspoon salt

1/4 teaspoon baking power

chill in two balls an hour

roll out with flour and cut shapes

place on greased cookie sheet

375 about 8 minutes

HARP Refinance

HARP REFINANCE MIGHT WARM YOUR SOUL

Caution Hot

Thinking about refinancing?
Get clear honest advice and avoid getting burned spending money on appraisals and fees not knowing if you will be able to close a home loan. Let's talk first, let's analyze your needs.

I don't know if you tried to refinance under HARP 2.0 but I suggest you give me a call and we can review what you might save in monthly payments and mortgage interest payments.

First step is looking up if your loan is a Freddie Mac or Fannie Mae
You can do this yourself by entering property address and or a part of your social security number here:

www.fanniemae.com/loanlookup and

here:  www.freddiemac.com/mymortgage

 

The mortgage  loan must be owned or guaranteed by Freddie or Fannie

The mortgage must have been sold to Fannie Mae or Freddie Mac before May 31, 2009.

No previous HARP refinance, can't do this twice, sorry, even though rates are much lower today. The mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae loan that was refinanced under HARP from March-May, 2009.

The current loan-to-value (LTV) ratio must be greater than 80%. - assuming you bought your home after 2007 until 2011 in California and put 20% down or less you will likely be greater than 80%

The borrower must be current on the mortgage at the time of the refinance, with a good payment history in the past 12 months

Call me is your want to review what you might save:


C. G. Barbeau    (949) 637-8190 cell anytime

W. J. Bradley Mortgage Capital LLC
20341 SW Birch Street, Newport Beach, CA 92660

NMLS# 324982

This is not an offer to lend, nor a guarantee your will be approved. No mortgage interest rate is quoted in this blog. Interest Rates change daily and sometimes more frequently. Subject to many conditions and Underwriting. Call let's talk about saving you some monthly money. If not this we can chat about lowering your property tax bill if you are over assessed, or helping repair that FICO score