Refinance Rates Dipped

Refinance

How Much Home Do You Qualify For?

How much home do you qualify for?   Interest rates can greatly affect your loan amount and how much home you can afford. Your credit history, the type of mortgage you choose, loan amount, and current market conditions are all things that affect your interest rate. In addition to the interest rate, the loan amount and sales price you qualify for is determined by your income, and monthly debt. However, there are many options available that will allow you to purchase a home with less cash required and a lower payment...   Call to see how much home YOU qualify for.   Caroline Gerardo Loan Officer NMLS #324982 Cell 949-637-8190 Office 949-784-9699 eFax 855-883-4303 CarolineGerardo@eaglehm.com www.eaglehomemortgage.com/carolinegerardo Committed to Seeing You Home. Eagle Home Mortgage 8105 Irvine Center Drive Suite #500 Irvine CA 92618 NMLS #849059 NMLS #324982 Caroline Gerardo (949) 637-8190 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.

SSN Printouts No More

Blue shingles

Yellow House

 

Dear Prospective Mortgage Borrower:

Important upcoming changes to the services at Social Security offices across the country.

As of February 2014, the Social Security Administration will no longer offer Social Security number (SSN) printouts and benefit verification information in our field offices.  However, to ensure a smooth transition, we will continue providing these services if requested until April 2014.  We are making these changes to meet the increasing demands for our services at the same time that our agency budget has been significantly cut by over $1B in each of the last three years.  During this same time period we have invested in technology that offers more convenient, cost-effective, and secure options for our customers to obtain certain services without visiting a local office.

Because the SSN printout is not an official document with security features, and is easily duplicated, misused, shared illegally, or counterfeited, eliminating it helps prevent fraud.  Employers, departments of motor vehicles, and other entities requiring SSN verification can obtain this information in real time or overnight using online government services such as E-Verify and Social Security’s Business Services Online.  Beneficiaries and recipients needing a benefit verification letter can obtain one immediately by registering for a my Social Security account at www.socialsecurity.gov/myaccount, or through the mail within 5–7 days by calling our national toll-free number, 1-800-772-1213.

I appreciate your support for this effort as we work to provide the best possible service to the American people.  For future updates and news visit www.socialsecurity.gov/thirdparty .

If you have questions, please feel free to contact me directly:  Caroline Gerardo at

Eagle Home Mortgage, A Lennar Company,  (949) 637-8190   NMLS# #324982

This is about Federal cost savings.

Make sure you keep your pink white and black long fold 1099 over forms.

 

You may need them to apply for a loan, or reverse mortgage 

 

Public Affairs Specialist

Social Security Administration of The United States

Target Boycott

Dear Gregg Steinhafel CEO of Target:

I am a victim of the Target fraud. Offering ProtectMyID is a foolish move.

Experian's software does not do anything to protect from fraudulently charging

on a credit card.

 

I don't expect Target to hunt down the Armenian Mafia, and the Russian mob

who hack credit cards in the billions BUT an insider closed their eyes, allowed

someone access and or saw someone install a scanner and some camera equipment.

Target employees know more than you admit to the public.

Banks also get hacked, they are often silent about the crimes- they pay the loss

and pray the FBI or local police will accidentally run into the criminals.

You need better security because this is still happening today.

My loss was over eight thousand dollars, some of which VISA paid but they won't

point a finger at Target, instead they point blame to some unknown gas station attendant.

Fraud is eating away at the security and confidence in America. While I appreciate your apology,

Target needs to actually do something. ProtectMyID is a joke and an insult to your customers.

Although I have been a red ball flag waver for your brand, a stock holder and a frequent shopper

who spends hundreds of dollars each visit. I will be shopping elsewhere until you tell me you have

reviewed video of every scanning machine at each register to find embed devices that capture card numbers. I suggest everyone boycott your brand. Target likely still has pinhole cameras in stores, in your credit card hubs and headquarters that offer up information to these criminals.

That you take so long to find out they got into your online business is an example of sleeping at the helm. As a shareholder - I say, "you are fired." 

#target #breach thanks for sharing my email, home address, telephone number, social security number, credit card, spending habits and dog license with organized crime

Calling Target Shoppers

 Caroline Gerardo Barbeau
 

 copyright 2014

 

 http://cgbarbeau.blogspot.com/

 

From: Target.com
To: carolinegerardo@
Sent: Wednesday, January 15, 2014 6:00 AM
Subject: Important message from Target to our guests

Dear Target Guest, As you may have heard or read, Target learned in mid-December that criminals forced their way into our systems and took guest information, including debit and credit card data. Late last week, as part of our ongoing investigation, we learned that additional information, including name, mailing address, phone number or email address, was also taken. I am writing to make you aware that your name, mailing address, phone number or email address may have been taken during the intrusion. I am truly sorry this incident occurred and sincerely regret any inconvenience it may cause you. Because we value you as a guest and your trust is important to us, Target is offering one year of free credit monitoring to all Target guests who shopped in U.S. stores, through Experian’s® ProtectMyID® product which includes identity theft insurance where available. To receive your unique activation code for this service, please go to creditmonitoring.target.com and register before April 23, 2014. Activation codes must be redeemed by April 30, 2014. In addition, to guard against possible scams, always be cautious about sharing personal information, such as Social Security numbers, passwords, user IDs and financial account information. Here are some tips that will help protect you: Never share information with anyone over the phone, email or text, even if they claim to be someone you know or do business with. Instead, ask for a call-back number. Delete texts immediately from numbers or names you don’t recognize. Be wary of emails that ask for money or send you to suspicious websites. Don’t click links within emails you don’t recognize. Target’s email communication regarding this incident will never ask you to provide personal or sensitive information. Thank you for your patience and loyalty to Target. You can find additional information and FAQs about this incident at our Target.com/databreach website. If you have further questions, you may call us at 866-852-8680. Gregg Steinhafel Chairman, President and CEO