8/06/2014

You've Been Hacked?


I'm posting lovely photographs I took of a neighbor's garden this
morning to accompany an ugly subject.

A debit card hacked again.
I swear I will not pump gas, even inside the store
using a credit card or debit card.
I only transfer $200 to my debit account so
they could not steal large amounts of money again.
Why wont Shell and Chevron stop these mafia
criminals?
Because they don't feel responsible. They will show you
how they put foil tapes over the scanner computer at the
pump to stop theives from putting duplicating chips on
the slide bar. They could check for cameras that theives
use to monitor as customers enter passwords. They don't
care.

Rental scams are on the rise. All realtors and real estate
agents should put in every single listing photograph their
name, telephone number and license number. Stop the scamsters
who post those photographs on Craigslist, Trulia and
Zillow claiming to be the owner. Some guy in West Africa
won't use your home and ask for funds to be wire transferred
to their account because you will notice the contact name in
the photograph. Easily completed by running your photos through
GIMP a free software.

Had your email hacked? That's a hassle. What do they get out
of reading my Mom's joke emails?  My Mom's 82 leave her
alone.

Change your passwords,
and don't make them all the same. Your paypal and bank account
passwords need security, you can use dummy1111 for all those
junk websites that ask you to sign up just to read their story.
End of rant. Go look at the pretty gardens and relax.
Then go change your passwords and pay for gas with cash.
If you have been a victim of identity theft I have some free strategies
to prevent it, and what to do in the aftermath.

longer post here:
http://cgbarbeau.blogspot.com/2014/08/protect-your-assets-and-credit-from.htmlhttp://cgbarbeau.blogspot.com/2014/08/protect-your-assets-and-credit-from.html



USDA changes


USDA MORTGAGE LOANS CHANGES AHEAD

USDA Mortgage Loan is a great mortgage product. It allows borrowers to purchase a home with zero down, as long as the home is within a “rural” geographical area as designated by USDA.

USDA requires that the subject property be located in a rural area. The definition of rural area is deligated and regulated by the United States Census which is completed every ten years.
To see if a property location is eligible go here

These eligible geographic areas are about to change, but you can apply for a USDA loan here http://eaglehomemortgage.com/carolinegerardo/ to ensure you are able to use USDA financing for your home purchase. The 2010 census revealed changes to populations around cities and towns that will make some areas ineligible for USDA financing. Many people have moved away from sparsely populated areas and closer to cities and suburbs since 2000, when the last census was taken.

Because of this, some areas that were once eligible will exceed population limits set by USDA, becoming ineligible. The boundaries for USDA loans will change as of October 1, 2014. -You need to apply early September and close before OCTOBER first of this year. If you have questions or comments I am happy to answer. After 27 years as a mortgage banker and more than two billion dollars of closed loans, I have answers, free,
Caroline Gerardo
NMLS 324982




Here is C G in rural Glen Oaks California with her son


No PMI Loans


Wouldn't you love to do a cash out refinance to install
a new luxury bathroom?
Rates are low.
Get rid of your FHA loan and reduce your payment by
cancelling PMI
I just helped a family that closed a purchase of a small
condominium in Laguna Niguel with a FHA loan in January
2014. They were struggling with expenses of a newborn.
We sat down and were able to save them $498 a month by
refinancing their loan to a conventional one with no
PMI payment. That's more than five thousand a year.
Let's talk about it. I won't recommend anything that
doesn't save you money. 


Or find a new home?
I have low interest rate loans with NO PMI for
those with income under the median or in
low to moderate income census tracts.
Call me and see if you qualify
(949) 637-8190
NMLS 324982
C G Barbeau
Santa Ana, Anaheim, San Juan Capistrano, Silverado Canyon
up to 95% loan NO PMI