Caroline Gerardo, C. G. Barbeau the Loan Lady nmls 324982 (Sun West Mortgage Corporation)

20341 SW Birch Street #330

Newport Beach , CA 92660

Expert Mortgage Professional, Home Loans, Real Estate Financing, Mortgages of all kinds, Foreign National, Jumbo, FHA, NMLS#324982 Purchase close in 11 days

Get to know Caroline Gerardo  Five Star Mortgage Loans, Orange County California Real Estate, Mortgage Home Loans ~ 

Real Estate Financing

Home Loans for Selfemployed Borrowers

Equal Housing Lender


 (949) 784-9699

NMLS #324982     

Cash out refinance your investment property, get your application started BEFORE you pay all cash and close 3 weeks after you purchase.


Equal opportunity lender

Purchase money loans with low interest rates done in 11 days.


CONSTRUCTION LOANS- Construction for Spec House, Owner Builder or Flip


Niche loans

HARP 2.0 refinance your underwater mortgage, owner occupied or investment if last 12 months mortgage payments on time and sold to Fannie or Freddie before April 1. 2009

CONDOS that have lawsuits or low owner occupancy - can fund!

FHA, VA, Super Jumbo, Niche Mortgages, Reverse

Available 24 / 7 to answer your questions about the home loan process. 

95 % Loan to Value Owner Occupied no MI (high FICO)

FHA with 500 FICO

NMLS# 324982

Able to meet in your office or home: Newport Beach, Laguna Beach, Huntington Beach, Monarch Beach, Dana Point, San Clemente, San Juan Capistrano, Laguna Niguel, Mission Viejo, Coto de Caza, Ladera, Los Angeles, Redondo Beach, Orange County, San Francisco, San Marin, Kern County, San Diego, Santa Barbara, San Francisco, San Mateo and All of California.


Outside of closing home loans I enjoy organic gardening, photography, being creative. I have published three novels and poetry.





 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act No. 4150025; Loans made or arranged pursuant to California Financing Law license No. 6053674.













Twenty-nine years in the real estate mortgage business. Two billion dollars in closed loans. A published author, an expert at construction and improving property for sale. Able to advise clients on the best mortgage to fit your lifestyle. Low-interest rates, fast, honest service 



My current awards are...   


Construction, Workouts, Real Estate

Service Areas (8)
  • Newport Beach, CA
  • Laguna Beach, CA
  • Bel Air, CA
  • San Francisco, CA
  • Santa Barbara, CA
  • Costa Mesa, CA
  • Newport Coast, CA
  • Ladera Ranch, CA
  • Laguna Woods, CA
Languages (1)
  • English