10/03/2014

CHASE BANK HACKED


CHASE BANK ATM OPEN FOR HACKERS

Chase Hacked
J P Morgan Chase hacked yesterday.  Eight three million accounts compromised. 
How long ago did Chase know about this and wait until it leaked?
This is the largest failure of security in history.
This is far worse than Target, your email or Facebook hacked, pawned, and compromised. 
What can you do?

·         Chase is advising customers that they do not need to change passwords. I beg to differ.
·         Change your password today and again next week.
·         Check the account balances daily.
·         Check new credit card accounts opened in the next twenty and forty days.
·         Check your mailbox for any new information
·         DO NOT respond to any emails from Chase or anything that appears to be Chase.


Jamie Dimon fails to comment.
JPM Stock price downgraded today.
In the world of internet bad guys this one is frightening.

10/01/2014

Table Funding States List









Home interior relax and sign your loan documents



WHAT STATES ARE WET FUNDING STATES?
ALSO KNOWN AS























What are the table funding States?

TABLE FUNDING RESIDENTIAL MORTGAGE

REAL ESTATE Closings  WHERE BUYER AND SELLER GO TO AN
ATTORNEY TO SIGN AND CLOSE ALL ON THE SAME DAY
ANSWER:

Alabama
Arkansas
Colorado
Connecticut
Delaware
Florida
Georgia
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New York
North Carolina
North Dakota
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
West Virginia
Wisconsin
Wyoming

BEACH HOUSE DESIGN

OUTDOOR DINING ROOM CALIFORNIA STYLE

C G Caroline Gerardo Barbeau (949)  784 - 9699
NMLS 324982

9/22/2014

Moving Expenses Deductable?

 Are Moving Expenses Tax-Deductible?
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  If you are qualified, you may deduct the expenses of:

  • Tolls and parking fees on the trip.

  • Up to 30 days storage of household goods.

  • Disconnecting and connecting utilities.

  • Packing and transporting household goods.

  • Mileage for use of your own car (or gas and expenses).

  • Transportation and lodging for yourself and members of your household while traveling to the new home.

Not all moves are tax deductible. In order to deduct your moving expenses, you have to meet two tests:

Time - You must begin working as a full-time employee within 13 weeks of your move, and you must work at least 39 weeks during the 12 months after your move. It doesn't matter whether you were transferred by your employer or you took a brand new job.

Distance - To meet this test, your new job has to be at least 50 miles further from your old home than your old job was. If you didn't have a job before the move, your new job has to be at least 50 miles from your old home.

Consult a tax advisor to see if you qualify.

 
Information Provided By:

LOPhoto

Caroline Gerardo
Senior 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
LOLogo
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NMLS #849059 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.

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9/18/2014

中國公民申請按揭在美國











需要的項目申請按揭貸款:
護照複印件
駕駛執照副本
ITIN號碼
o國際信用報告的參考,
Ø主體性的完整地址
Ø目前年稅收法案,現行保險法案
o對於公寓最新維護法案
HUD1閉幕詞,如果在過去24個月購買
Ø完整的地址,
Ø租約的副本,如果租
Ø從你的會計師的信件翻譯成英文,其中包括:
•公司名稱
•您的標題
•業務類型
•持股比例
•年收入在過去兩年
 而本年度至今
Ø要打印的就業核查函
在公司信箋(翻譯成英文),指出:
•您的姓名和職務
•工作開始日期
•補償過去的3年
•聯繫信息
Ø銀行對賬單後六個月
在中國過去兩年的報稅表翻譯成英文
這裡完整的按揭貸款申請:申請http://eaglehomemortgage.com/carolinegerardo/
註冊並填寫所附表格
借款人支付鑑定費的前期,這是​​不退還
借款人必須簽署最終文件與美國公證
關閉在美國抵押貸款作為一個中國公民確實需要一個很好的協議
文書工作和開放的信息披露

https://drive.google.com/file/d/0B21qMvohjmkvcHNUSHd6WG03cjg/edit?usp=sharing
Caroline Gerardo
(949) 784-9699
efax 855-883-4303