Your July 2020 Letter From My Heart

Good morning to Great Summer News:

Rates steady – many seeing 3%, even into the 2%’s. Don’t Wait – Call Today

Even more, though we see CoVid cases rising – I expected – as we re-open business and beaches – we see fewer deaths and the severity of suffering, declining. Even more, a silver lining: Extremely low interest rates never thought possible – even just a few months ago.

However, as the medical profession prepares for immunization – as we adapt to the street-truth of CoVid – expect rates rates to move higher. Then add the signs of pent-up demand are alive and kicking, plus the large flow of new money injected into the economy, There is a bottom line: When rates begin to rise, quite likely it will not be gradual. Don’t miss out.

My Professional Suggestion: Act now – This day.

Take full advantage. Make home upgrades and still save significant dollars.

The Good News:

3 % interest rates, with some starting with a 2% !! We see Jumbo loans solidly in the lower to mid 3’s. More good news: “Property Inspection Waivers” are possible when the LTV is low – high equity in your home. Our government is loosening, a bit.

New home sales continue very strong, with the real estate market able to meet demand and the process working quite smoothly. We are again seeing offers over asking, and Sellers seeking not just pre-qualification letters, but also Pre-Approval letters. We do both and do both very well. This also makes early loan preparation most important, especially if you want a leg up on the other Buyers. Let’s talk today. Put time on your side.

Good New: We are and remain available to you by phone. We continue to bring our special talents – well-tuned experience and focused training – to our every discussion. Working closely with you, our sessions are both helpful and informative. We are here for you.

Excellent Rates – So prepare today, for your better tomorrow. Call Now!

Housing: Appreciation: Low supply + increasing demand = even more appreciation. With the Spring Season simply pushed out a couple of months by the Shelter in Place, we are in the middle of it right now!

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. We have an active market, and contracts are being placed every day. Call today.

If you agree, we can begin to lay out the many differing strategies, until we find the one best for you. We offer 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.

Summer Buying Season

With great rates and a resilient economy, now is the time to prepare for Summer home buying. Good News: We are ready and more than capable. We have trusted working arrangements with the very best major lenders – those able to facilitate a ‘quick-close’; those doing fabulous work with the Self-Employed; and those people who are cast aside by boiler plate, Big Banks. Best, our lenders are ready to compete for your business – price, quality, and service. Call today. Phones work.

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.

Call Mike – I want your dreams to become your reality.

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 are entering this period with expectations of an economy returning to semi-normal. Business liquidity is aided by strong policies – Fed Reserve and DC. The intent is to dampen current risks. The speculation: Second wave of CoVid cases caused by ignoring minimal protection.. We The People will determine the outcome. Play safe, market opens. Play stupid, and risk another shut-down.
  • Monetary policy: In a nutshell, the Federal Reserve, US Treasury, and D.C. polices are motivated to keep the 10-year T-Bill and 30-year mortgage rates, at these very low rates. The unknown is EU growth and their interest rates. Let’s hope rates stay above politics.
  • Trade talks: They continue, off the headlines, and we are fortunate to have good negotiators, looking our for the American worker.
  • Oil Prices: Low oil and gas pump prices, are a welcomed offset to the negatives of the corona-virus, unless your State depends on the revenue from gas taxes.


1) We also 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 working together

The Federal Reserve, DC politicians, and the President working together. From discussions of tax cuts, ‘extra’ income with un-employment checks, SBA loan programs, and a third incentive plan, in the Fall, to further spur jobs and the economy.

The Bad: Ugly hat of political agendas

A patent refusal of special interests to play well together. Consider the disingenuous effort to lump honest immigration with those called un-documented. Where are our leaders to call this out? Not only such individuals as the Gates or Zuckebergs, but also the so-called impartial, non-political think tanks. When did our intellectual leaders, whom we once trusted, become lost and so disconnected from reality. I wish someone could or would follow the money trail.

The Ugly: Arrogance of media and experts of nothing relevant

When needing common ground that best serves the people – CoVid scare – we instead find media experts preferring to flame fears otherwise irrelevant and petty. Our priority should be the serving of all America, with facts, perspective, and truth – as best we know it. This is what brings about good choices.Ask yourself, where are the interviews of those having the virus – the why, how, when, and where. We might learn something valuable. They won’t stop selling, so we have to stop buying the many efforts intended to distract or distort the truth.


How about some historical perspective from

1918 Influenza: infected 1/3 of the world population. Death rate 2 %. Most affected age group was the 20 – 40 year old.

Seasonal Flu – USA: 45,000,000 with illness (13.6 % of population); 500,000 hospitalized (1.5 %) ; 45,000 deaths (.15%). Most affected are those older, compromised immune systems.

SARS: 8,000 cases with a 15 % death rate – none in USA. Most affected, over 60.

H1N1: 24 % of global population was infected. Death rate 0.02 %, of which 12,000 in US. Most affected groups, children up to 19 years old and those over 65.

Ebola: 28,000 cases with a 50 % death rate.

CoVid-19: states: World-wide 9 M cases with 480,000 deaths. USA: 2.4 M infected with 121,000 death. An infection rate of 7% and death rate of 1.45%.

A few facts, as we balance the risk to personal health against overall bad outcomes, caused by a nationwide shutdown. With these, concern for others is seen from more than one perspective.

Springtime Buying

Normal or a Season of Surprises ?

Good News: Ahh, back to some sunshine, warmer weather, and positive thinking:

The hot market is not just in the SF Bay Area. Most of the Country is participating. Why? Low interest rates. It helps bring both Buyers and Sellers to the table. This, even though the virus has brought a need to be flexible and adaptable. Key question: Is now the opportune time to act? YES, with emphasis. Especially if: 1) seeking a good quality home, 2) excellent / low interest rate, 3) has working professionals keeping them safe from poor paper work and against fraud, and 4) strong lenders providing a customizable loan program best fit from them, first.

This is the most bang for your dollar.

With rapid changes in our market – home availability, pricing, lender programs – it best to talk first. This is no time for short cuts and wishful thinking. The Good News: We have tools to evaluate a broad spectrum of Buyer questions: Home prices, loan programs, lender options, deferred capital gains, Small Business, Vets, or refinance. Just a phone call away, let’s talk.

Tax Deferral Programs

Every month I hear of people paying Uncle Sam hundreds of thousands of dollars. And this does not include the State. Such sad client outcomes when a potential client decides to act before knowing the legal means designed to help keep most, if not all, of one’s capital gains. What a great way to keep your money working for you and these tools are proven and IRS approved. Best: We can introduce you a team of trustworthy pros, expert in these tools and how to make them work for the specifics of your situation. It is how to best avoid the pitfalls and confusions, put in by the IRS. It is your bottom line and net cash flow– after tax.

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.