Mortgage Job

 

 

 

Work in an office where no one has your back?

Processor has no time to review your file?

Company does nothing to promote YOUR brand?

 

 Have years of experience in the field?

Want to close more mortgage loans quickly?

Feel tangled in the mess you are in?

 

If you answered yes to these above, I would love to talk with you about how we can help you achieve your continuing goals and support your needs

We can make the transition smoothly. You’ll work in an office where your experience and knowledge is treated with respect. Feel passion for the loan business and have fun.

 

Caroline Gerardo

Branch Manager

Mortgage Banker

(949) 637-8190

NMLS #324982

23041 SW Birch Street. #330 Newport Beach California 92660

Upcycled Orange County Garden

galvanized trash can repurposed to succulent planter

Container from galvanized trash can planted with succulents. Fill the bottom with perlite and sand and poke holes  (if it doesn't already have some:) This will help the pot to drain.

 One pint of TRUST a dash of Caring ( I would say gallon of caring) understanding, shared secrets, mutual affection, respect, common interest, listening and fun. Sweet plaque for the patio

A fairy circle of pots?

fountain in the table

This fountain is an old cast iron shop table from a school that was throwing it away. The top is a door cut in unequal halves. (Cutting the one channel in a 1/3 proportion makes this fun. Old reused galvanized rain gutters for the water spout. A new pump, gravel and a variety of ferns

staghorn fern

At the end of this summer I need to divide some of my stag horns. I'm looking for new ways to use recycled barn wood or cast iron gate material to hang them. Any ideas? Recycled, upcycled materials that can hold weight?

wooden farm crate as planter

dahlias in my garden

Dahlia - love this color but - but - I planted white ones. Another summer surprise in my garden.

Bird houses in a neighbor's patio.

One of many  of my hardy begonias. Three years ago the tuberous fancy ones got a blight. I couldn't find good replacements at Plant Depot, or Green Thumb or Laguna Nursery. Instead of replanting the ones that disappeared I tried some new varieties I have a couple that are five feet tall. The best surprise is a few that did not bloom or shoot waxy leaves in the past three years somehow are back. Surprise they are smiling in my garden. Come on over I'll serve you tea and send you home with organic seeds.

Caroline Gerardo

Garden Gates

garden gate and trellis

This Arching Cottage gate with Trumpet Vines is "California Eclectic" - Succulents, geranium and front yard swing set in Newport Beach 

arching gate

Elegant brick walkway with rose arbor arching over the entry way in this Laguna Beach cottage.

simple white garden gate

This simple PVC gate is flanked by privet hedges. It needs some color or more white flowers in pots.

california modern or bungalow gate

Craftsman and California modern with Bower vine

beach cottage gate

This casual unpainted teak gate is fun and funky. It suits the tiny friendly clapboard cottage

brick posts for gate

The curved brick walk way add charm to this entry. There is no gate but a wooden triangle will hold the wisteria when it droops purple cascades of flowers next spring.

boho funky trellis and chain link gate

Even the most casual of gates can be charming. This is an old style chain link fence with a trellis holding stephanotis - the white flowers are intoxicating. They grow very slowly and only in part shade. This vine may be more than ten years old.

white picket fence gate

Picket fence gate- this is also pvc ( not my material of choice but popular because they advertise in California the advantage of never having to paint or worry about termites. The plastic does age, oxidize and get chalky looking in our moist weather of Orange County Coastal California

pretty wooden gate

Wooden craftsman somewhat Oriental feeling without any vines.

Chase Bank Mortgage Foreclosure Cases to Follow

Stodgy Bankers?

CHASE Bank Recent Court Cases Regarding Mortgage Foreclosures

Bakenie v. JPMorgan Chase, Case No. SACV12-0060 JVS

U.S. District Court, Central District of California (Santa Ana) 1/13/2012
Joseph Arthur Roberts, Newport Beach, CA, attorney for Ernest Bakenie

Plaintiff alleges that J P Morgan Chase is engaged in the business practice of deceiving bankruptcy judges, creditors, debtors, and attorneys as to Chase's status as a secured creditor in thousands of bankruptcy cases filed nationwide.

Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing "hide-and-seek" with debtors and judges.

Where are the wet signed notes and deeds that are stored in numerous locations? How many were tossed in the trash?

The complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase's misrepresentations and deceptive business practices. A case to follow, anxious to learn the outcome? Is Jamie Dimon unfairly gaming the courts?

Naranjo v. SBMC Mortgage, 2012 U.S. Dist. LEXIS 103735, Case No. 11-cv-2229-L(WVG)  July 2012

M. James Lorenz, District Judge, U.S. District Court, Southern District of California
Penelope Bergman, Deborah Gutierrez, Los Angeles, CA, attorneys for Carmen Naranjo

"The allegation in this case is the assignment of the loan into the WAMU Trust was not completed by May 30, 2006 as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants' motion with respect to this issue."

Settled on June 21, 2013.

Other legal mortgage issues continue to haunt the banks:

Banks took short cuts to foreclose on owner occupants in cases still pending in California.

 Notice of default did not include a declaration required by Cal. Civil Code §2923.5

 MERS cases still churning in the court system

Time lines increased for lenders to make work outs

Values have increased perhaps getting some homeowners back into the black
Will Orange County's recovery be enough to stop foreclosures? The numbers of notice of defaults in Orange County, California have greatly reduced. This is due to values climbing.