4/10/2016

Steps To Downsize Your Home


Not Politically Correct Shirt for sale $5.00
Downsizing all stuff I bought to fill up 3500 square feet.
Funny, I filled up my Laguna Niguel home with garden
tools, art supplies, antiques, and duplicate clutter.
This is a process to succeed at my goal.
To live a more simple life.
With my youngest is away at college most of the year, I
found myself rattling around in a big house, completing
weekend warrior chores and hating the leaves in the pool.

Have your family take what they will first.

I next tried selling items on eBay. Ebay is fine if your
item is worth a hundred dollars and it is small. Take good
photographs, check emails, pack and ship the item. If your what-cha-
ma call it is only going to sell for eight dollars you won't make
minimum wage. Read all of eBay's return policy rules, not fair to seller
and their shipping estimates are too low. Etsy is good for small collectibles,
Amazon also has a resale department. I found local consignment stores
weren't a fit as they wanted $400 in advance to pay for the pick up.One
consignment store took items and went out of business, oops.

I had one garage sale and planned to do one this weekend but
rain postponed that idea. Run a free ad on Craig's List. Have small 
change, grocery bags for customers, and lock your house.
Compile your stuff and place on tables.
It's easy to label: "everything here is one dollar." The objective
is to get a little money out of the clutter.
Garage sales are hectic. I know that sounds silly. A lump of people arrive. 
They sift through, pick up the china monkey figurine totem that grandmother
left you. The sounds of your stuff breaking or being pocketed 
(yes people steal small shiny items - go figure) puts you on edge. Most Home
Owner Associations in Orange County frown on or don't allow garage sales. 
Mine doesn't have this written in the C C R's; but neighbors knocked my signs 
down. I know they think it is crummy. Call it "estate sale" to give the aura 
of classy.

Donate what remains. In Orange County there are three great charities
that will send a truck. Bag or box the items and leave in front of garage with
a note. They leave a receipt. You can write off on your tax return up to 50%
of your adjusted gross income. More than 50% can be carried forward for
five years. Take photos, make a list, store the information in the cloud
for next tax season
Saint Vincent de Paul (714) 542- 0448 With Women (800)  990-1772
and Vietnam Veterans (800) 775-8387 are three local non profit organizations
that will pick up your things. 


Turtle with Top Hat no need for the Aquarium only $10

helicopter, military
Vintage Military Shirt Worn By President X only $10

3/10/2016

Rocket Mortgage - Woosh Takes Money Right Out of Your Bank Accounts


Rocket Mortgage says they can speed 
you to close your loan
BUT
Four downsides with this idea:
#1  A Borrower’s submitting personal 
documentation (unfiltered) straight into 
Underwriting is a terrible idea. 
No Borrower can edit and interpret 
and dig like I can. 
Some paperwork is best left out. 
Once it is seen, it can't be ignored.  
Every loan is a custom fit.

#2   I would never log into my bank through
 Quicken for asset verification.  
Quicken is capturing my login and password. 
They can take money out of the accounts.

#3    After the initial “rush” to approval, 
quicken admits that their process
 to close is no different than any other company.

#4   Borrowers lose their lateral vision 
in finding alternative loan products, 
the whole reason for going to a professional 
Loan Officer. 

Although outside industry thinks
a monkey, artificial intelligence AI or some
snazzy system can put a puzzle together - it
isn't just product knowledge that is necessary
- knowing what to put in the file, what 
to edit, and how to explain is Vital.

C. G. Barbeau
The Loan Answer Lady
(949) 784-9699


Link below from Article written by a Mortgage Guy from Quicken


3/03/2016

Explore Every Home in the Country

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 C.G. Caroline Gerardo Barbeau
 NMLS: 324982, CA #CA-DBO324982
 C. G. Loan Answer Lady 
Eagle Home Mortgage 
 Office: 949-784-9699 
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 The Home Scouting Report (HSR) and Sold Home Alert (SHA) are free home finding services provided directly to you as a home buyer or home seller,
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 The Loan Officer is neither an employee of HBM2, nor the provider of the HSR or SHA. 2016 Home Buyers Marketing II, Inc. (HBM2) EMR-Z2N67J
 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, Branch NMLS #849059, CA #813I609, NV #3244. Certain restrictions apply. This is not a commitment to lend. Applicants must qualify. Equal Housing Lender This message was sent from C.G. Caroline Gerardo Barbeau  as a result of an existing business relationship. It was sent from: Eagle Home Mortgage, 100 Spectrum Center Drive Suite 500 Irvine CA 92618 Newport Beach California 92660