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 Self employed 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

Debt Service Ratio Mortgage

Bank Statement Loans

Reverse mortgage

Let's talk about getting your house out of forbearance.

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. 

Bank statement loans, Debt service Ratio loans

FHA with 520 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, San Jose and All of California.


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

 Sun West Mortgage Company, Inc. (NMLS ID 3277) is a privately owned direct lender refer to to see where Sun West Mortgage Company, Inc. (NMLS ID 3277) is a licensed lender and servicer. We are not accepting applications from Georgia or Massachusetts residents or purchasing mortgages secured by Georgia and Massachusetts properties at this time. Please Click Here to view Texas Complaint Notice and Servicing Disclosure.Although Sun West Mortgage is approved to conduct business in the state of New York, this website has not yet been approved by the State of New York Department of Financial Services. For properties located in the State of New York, 





 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