6/02/2014

Life Is Good Rates Are Low!



Life Is Good
Call to Find Out How to Get a Low Rate
Mortgages Are Historic Lows!
Caroline Gerardo
(949) 637-8190
(949) 784-9699

NMLS # 324982
We are a Lennar Homes Company
Eagle Home Mortgage

5/30/2014

CASTLE OR CONDO TIME TO REFINANCE

CASTLE OR CONDO
LOWER YOUR PAYMENT

Time To Refinance
IS NOW

Mortgage Rates Have Decreased
Your House Value Increased
Let's get rid of your mortgage insurance
Let's save you some money
Call now (949) 637-8190





When you look at mortgage rates,
you’ll see that they’re based on different factors,
 such as the type of mortgage,
the loan amount and points.
The APR is useful when you’re comparing
the total cost of mortgage products
among lenders, because it includes
estimated loan fees and closing costs
 spread out over the length of the loan.
LOAN APPLICATION ONLINE






  • Adjustable-Rate Mortgage: The initial payment on a 30-year $200,000
  • 5-year Adjustable-Rate Loan at 2.875% and 70% loan-to-value (LTV) is $829.79 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 3.007%. After the initial sixty months, the principal and interest payment is $818.39. The fully indexed rate of 2.875% is in effect for the remaining 25 years and can change once every year for the remaining life of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Rate is variable and subject to change after 5 years. The loan is amortized over 30 years.
  • 30-Year Fixed-Rate Mortgage: The payment on a $200,000 30-year Fixed Rate Loan at 4.125% and 70% loan-to-value (LTV) is $969.3 with one point due at closing. The Annual Percentage Rate (APR) is 4.335%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $417,000.00
  • 15-Year Fixed-Rate Mortgage: The payment on a $200,000 15-year Fixed-Rate Loan at 3.125% and 70% loan-to-value (LTV) is $1393.22 with 2 points due at closing. The Annual Percentage Rate (APR) is 3.543%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Based on conforming loan under $ 417,000.00

  • Jumbo Fixed Rate

    Super Jumbo Mortgage

    Construction Loans

    Foreign National Loans to
    Canadians and most other countries

    HELOC

    Caroline GERARDO NMLS #324982


    GRANT BONDS CREATIVE
    OWNED BY LENNAR HOMES
    One of our nations biggest home builders





    5/26/2014

    Orange County Garden











    Red giant mustard in the dark blue pot.
    All winter / spring we have been cutting
    kale, spinach, arugula, and this red
    giant mustard for salad greens. I planted a big mix
    of edible salad greens - mesclun,
    tyee F1 spinach, and another
    thirty varieties all from seed.
    I'm allowing this mustard to
    go to seed to have more to share and trade seeds.
    My side yard is small.
    I don't use any fertilizers, no chemicals
     - only compost and water.
    Yes I have slugs and snails
    (I'm constantly hunting them and putting
    out yeast sugar water traps)
    but we didn't buy much green produce
    for the past six months.
    Mind you, my daughter is vegan, greens
    are her mainstay.
    I'm adding romanesco, some heirloom broccoli's, dragon carrots,
    squash and multi-colored heritage carrots today.
    The ten varieties of tomatoes are already blooming. Of course
    all the yellow and purple cherry ones have fruit. Yummy!
    It was foggy yesterday morning- good for photos but you
    can't see the ocean very well in this picture, but its there.

    Left two pots with geraniums, impatiens and purple pole beans
    that will be soon climbing and take over the impatiens. This makes
    a nice tent on the pergola.
    To the right is a spectacular epi.
    When I planted this epi it had four colors,
    but the orange variety is the heartiest and blooms first.
    There are pink blossoms starting on the opposite side.
    My plan was that all four epis would evenly mix in
    the pot. So much for plans.
    Below is a pot saucer with a number of seeds drying-
    nasturtiums that are almost spent in the garden, sweet
    peas and painted blankets that still are going strong.



    This pot has a rose I haven't patented yet. In the 1990's
    I had a house in the central valley. What started as a hobby-
    hybridizing roses became a passion. Many extinct varieties
    I found in graveyards around the world. Yes graveyards-
    because varieties that were planted in the 1800's that survived
    with little care were valuable as seed stock to me.
    I ended up selling a number of patents after I moved to
    Orange County, California.
    The weather here did not suit the type of
    roses I perfected- roses that required no spraying of any kind,
    liked heat, repeat bloomed and have the ruffley peony look.


    Now after living in moist Coastal Air I've been working on
    roses that don't rust and are also disease resistant - totally
    organic again same flower shapes... It's more difficult than
    heat resistance- its taken about eight years to have four cultivars.
    With my work as a mortgage banker - sometimes the roses
    get neglected. Only the tough ones will make the cut.
    Then of course I'm slowly editing my fourth novel.
    My children are almost old enough to help, hmmm
    wondering what wonderful things the next stages of
    my life will unfold.









    This jasmine has almost taken over the tree here.
    Two years ago I almost cut the whole tree down.
    This variety drops about forty leaves a day - year
    round drip torture as it is planted down wind right by
    the pool. Also in the photo hydrangea- I love them
    white.

    Close up of the epi you can see some snail damage
    on the leaves.

    5/25/2014

    Mortgage Rates Blue Bird of Happiness


    Laguna Beach bird houses, mail boxes and special treats.

    Today Mortgage Rates dipped to the lowest in more than a year.
    If you have mortgage insurance, values have increased. Call me
    for a free review to save you money.
    Perhaps it is the blue bird of happiness that things have
    improved

    Caroline Gerardo
    NMLS 324982

    Yes this is a real working mailbox in Laguna Beach


    A funky example of a Laguna Beach mailbox.

    Preview of my side garden. The epis are blooming!
    I'm praying for no wind and squishing snails to be
    able to enjoy the week or two of blooming glory,
    Next post I will put up more of the West side of my
    garden. Combining plants helps keep pests down.
    I don't use fertilizers or any chemicals. I compost
    and treat things with simple green solutions.
    Why you say?
    Most of my back yard is edible!
    See the bowl below (blue dish with seeds) -
    I collect seeds to use next year and to trade with
    friends and family.
    No GMO :)