Mortgage Blog

1)Out of State Loans.
I am working to get the loan licenses for the State of WA, TX and Nevada now. For all the other states, I can only do investment loans. Wait for the approval for WA and TX. Working on the courses for NV.

2)Rate Updates.
Conforming loan rates went up a lot recently. The best loan rate/program is 7 yr fixed or 5 yr fixed. The rate is around 2.625% to cover all or most of the closing costs. The APR is around 3.75% now.

3)Marathons
I still at the best fitness level. I ran 2021 California International Marathon for the finish time of 3:21:13. I would try to see whether I can run a few minutes faster for March 2, 2022 Napa Marathon. My 3:21:13 finish was within 
one minute of my best time of 3:20:18.

I will the following exciting races this year:
Napa Marathon in March
San Francisco Marathon in July
Berlin Marathon end of Nov.
New York City Marathon beginning of Nov.
CIM(California International Marathon) Beginning of Dec.

I will run a few half marathon with my wife. The interest one would be: Avenue of Giants on May 1st, 2022.
I will run though the redwoods, which was in the northern California. And We will celebrate of our 29 years marriage that day.

4)No docs loans, Assets based loans.
We can do those loans in California. But the rates are high.