April 2020 Letter From My Heart

Good morning to Spring blossoms and hopeful end of the Corona virus,

There is a testing of a combination of drug, in New York City, showing positive results. It was first tested in France. We await the results and hope it succeeds on a wide scale. Good News: This is not the only combination drug being tested. Keep hope alive.

History says this virus will be handled. The unknown: The scope of its nation-wide impact upon our economy and health of our elderly. Please don’t take this virus for granted. It is virulent and highly infective. But please, don’t over-react to the fear, as we wait it out together.

The Good News:

We are still available by phone to talk with you. You will be pleased to know that we bring our special talents, well-tuned experience, and focused training to our every discussion. We focus on working together – helpful and informative. We are here for you.

Rates are even better. So prepare today, for a better tomorrow. Call today.

Housing: Appreciation: Low supply + increasing demand = even more appreciation. This is the fundamental driver in our local pricing. As expected, sales have dropped, but not stopped.

Current home owner? Fantastic! Let’s talk. Now maybe “that” good time you have been awaiting. Interest rates are great and with current market fears, this is a great window of opportunity. My suggestion – let’s talk now and then work together, on-line. We are here.

Still renting? With todays’ improved mortgage rates – let’s see how much more home your downpayment can buy. Let’s see why buying maybe better than renting. The old rules seldom apply today. Let’s discuss the ‘other side of the coin’ – home ownership – then you decide. The one constant: Preparation is key to success. Call today.

If you agree, we can begin to lay out the many differing strategies, until we find the one best for you. We offering an excellent, step-by-step approach, so you feel confident you are making the best decision. Best of all: It’s free. And with our assistance, we can make buying your new home, a simple, straightforward process.


Is it now time to wonder about recession? My opinion – Yes. This virus is a black swan event – an unexpected shock to the people and their economy. Consider: 1) Dynamics of “shelter-in-place” restrictions and its negative impact on consumer spending. This flows upstream to retailers, with stores closing; 2) Resulting increase in unemployment claims, with its additive effects. 3) Inability to predict the type of recovery or lasting effects.

The Good News: Our government and our Federal Reserve are doing all it can to minimize the impact and speed the recovery. They have the tools and we have the American Spirit of Success.

Spring Buying Season

With improving rates and a resilient economy, now maybe the best time to prepare for Springtime buying. Good News: We are ready to help. We have working arrangements with the very best of the major lenders – Wells Fargo and Chase Bank. Chase is a best source” for Jumbo loans, especially the well-qualified and prepared Buyers. Best of all, they love to compete for your business – price, quality, and service. Let’s talk. We can do work on the phone or on-line.

We are ready today, to provide you a strong loan, best in price and service. Call us today.

Our real estate friends suggest this can be the difference maker. Let’s talk.

Is this your Time to Buy or Refinance?

We will show you how and why, now is the time to make this dream happen.

Call Mike –

Helpful News:

Facts are the best counter to “fake fears” about a recession. It overcomes misguided distortions and brings a helpful reality to what matters to you.

  • Economy: We entered this period with the strongest economy ever. More businesses with cash on hand. This strength will help dampen current troubles.
  • Monetary policy influence: Massive Federal input. Extended unemployment claim time, more money in the checks, Fed rates near 0%. A huge help for the working family and Small Business. We will keep you current. Key: Preparation, not panic.
  • Trade talks: With focus on the virus, we don’t hear about on-going workings, conference calls, zoom, etc. The amount of work is amazing, with hope the virus does not negatively effect the progress already made.
  • Oil Prices: Dramatic decline in oil and gasoline prices, will be a welcomed offset to the impacts of the corona-virus and should help speed up a full recovery, from it.


1) We provide loans – new and refinance – for Small Business and Commercial. This may prove most helpful near-term and longer term. 2) Plus: We offer specialized tax-advantaged alternatives, when selling highly appreciated real estate. We are proud to ask: Why pay Capital Gains taxes now? Why deplete your cash, when unnecessary? 3) We also provide strategies to help keep you in your home, providing more options than just a Reverse Mortgage.

Call today and let’s prepare for your tomorrow – Now.

The Good, the Bad, n the Ugly

The Good: Federal Government

As a first, my compliments to leader’s of both government and the private sector. They are rocking it! The speed of seeking ways to defeat the virus and quick help for our fellow Americans – those harmed or displaced – is excellent. Staying healthy requires team work and a willingness to help our neighbor.

The Bad: Political games are on

Have you noticed, our leaders are still standing should to shoulder, in their endless news events, in their desire to be seen. Even the President’s entourage seems to forget. It is Bad, if this virus spreads throughout the Halls of Congress. Pay attention. They have a responsibility to us, first.

The Ugly: Arrogance of the Individual

Those thinking they are bullet proof – gatherings, parties, family events, beach. As the saying goes: “Stupid is as stupid does”. Be prayerful and work to keep those next to you, healthy.

Springtime Buying

Normal or a Season of Surprises ?

Good News: There are Buyers ready to buy and Sellers ready to sell. This, even though the virus brings quite a different styles of interaction. The question: Is now a time of opportunity? The answer is YES, if one 1) seeks a good quality home, at 2) the lowest of rates – best value for your dollars, has 3) professionals working for them – keeping them safe – and, 4) strong lenders with excellent loans, at the best rates.

With the rapid changes in our market – homes and pricing – lets talk. This is no time to ‘take chips off the table’. We have many tools to evaluate our current-day situation. From home prices, loan programs, lender options, capital gains deferral, Small Business, or refinance. We are but a phone call away to what will works best for you.

Closing Thoughts:

We are the financing arm to help leverage your strengths with assets and accumulate long-term wealth. We offer needed information – perspective and plausible financial solutions – with strong lenders ready to say “Yes”. Give us a call. If you are interested in this kind of outcome, let’s start building your future, today.

Thank you and continued blessings.

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