Mortgage Blog

2020 CIM & Interest Rate
December 6th, 2020 4:48 PM
Before the topic of the marathon race today, I would like to have a little bit explanation of the interest rate on my website. The real rate might be lower. Please email me if you are interested.

The main reason is that I do not attract shoppers. So I mainly work for my past clients and your friends. I got a few early payoffs this year(actually 4 payoffs, one of the lender did not want me to pay back since our volume was good, but I paid penalties for the other three). And I indeed told them not to refinance earlier. And one of them told me that the other lender's rate was low. And I told him drug dealers can make more money, do you want to do it?

The good thing was the payoffs was still less than 1%. So most of my clients are actually very very good. I indeed rejected a few loans, for example, I locked 2.75% for client, and he asked to re-lock the rate since other lender could lock a rate for 2.69%.

Back to the marathon race. We got the email yesterday morning that the race was cancelled due to increased covid-19 cases. So 3 of us decided to run on our own. The pace was not bad.

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.008:428:427:57127138184196105110
2.1.008:378:378:19131140186192016106
3.1.008:408:408:2213213618619060102
4.1.008:458:458:15133138186192100100
5.1.008:478:478:271311361881946590
6.1.008:548:548:371331431871925094
7.1.008:498:498:3114114718519005114
8.1.008:388:388:1013614418719001193
9.1.0011:3111:316:281271431862020587
10.1.008:008:007:4314314918919406103
11.1.008:388:388:211361401861940584
12.1.008:338:338:1413614018919401181
13.1.008:478:478:191361391881940581
14.1.009:049:048:4713614118819210081
15.1.008:598:598:31137141188192161082
16.1.009:329:329:0713513918619210071
17.1.009:029:028:4213914418819810087
18.1.008:228:227:46147151190196016110
19.1.0014:3414:346:59133150186200510112
20.1.008:528:528:2214614918719277112
21.1.009:039:038:1814615018819805107
22.1.008:558:558:14148153190198100113
23.1.008:258:257:5715115519420007115
24.1.008:348:347:55152155192198115114
25.1.008:478:478:2515215619019650115
26.1.008:578:578:11151155190198100109
27.0.211:478:268:151531561932000523
Totals:26.213:58:279:056:281391561882021181182,596
I took a water break on mile 9 & 19. I think my legs had a rest after that. I felt very good after the run, and took 1.25 hrs nap, and back to work on the loans again.

And I will follow shelter in place order for the next a few weeks/months

Posted in:General
Posted by Eric Fang on December 6th, 2020 4:48 PMPost a Comment

Subscribe to this blog

Archives:

Categories:

My Favorite Blogs:

Sites That Link to This Blog: