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Basically, the residential housing "limited" steel. Steel frames accounted only less than 0.5% of the new SFR and 4% of multifamily buildings. See the article below:


The Trump administration's new tariffs on imported steel and aluminum may raise prices on a variety of consumer and commercial products, but will only put minimal strain on the housing industry.

The 25% tariff on steel and the 10% tariff on aluminum are more likely to be a concern for commercial and multifamily construction than the single-family sector, said Tim Rood, managing director at Situs and chairman of consulting firm The Collingwood Group.

"I think for single-family, imported steel and aluminum are going to contribute a small percentage to the home's cost, but when you talk about multifamily and commercial construction, it's substantially higher," said Rood.

But while the American Iron and Steel Institute estimates 43% of steel imports go to the construction industry, very little of it is used in residential construction. Steel frames accounted for less than 0.5% of new single-family houses and about 4% of multifamily buildings, according to Census Bureau estimates.

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Posted by Eric Fang on March 15th, 2018 1:08 PMLeave a Comment

March 15th, 2018 1:04 PM
That might be a good idea. Reno is no far away from California. And there are lots of jobs created there now. See the article I copied from Barron's:

RENO, Nev.—Nevada Gov. Brian Sandoval had reason to beam and boast at a tech show here recently.

The city of 300,000 he affectionately calls “Silicon Bridge” for its proximity to San Francisco—about 218 miles—has emerged as a capital of big tech investments. From Tesla’s (ticker: TSLA) 5.8-million-square-foot Gigafactory and Apple’s (AAPL) sprawling new $4 million warehouse downtown, to’s(AMZN) 630,000-square-foot fulfillment center on the north end of town and Alphabet’s (GOOGL) Google expansion efforts, Reno is a case study of tech sprouting outside the two coasts.

“I’m extremely proud of our success story,” Sandoval told Barron’s, reveling in a region that has emerged from recession and is now revitalized. “Tesla and the state of Nevada continue to have a very successful relationship, one that I think is a model for how companies and states can work together for the public good.”

Gigafactory, a lithium-ion battery factory, has created thousands of jobs and brought billions of dollars of investment to Reno, says Ira Ehrenpreis, a longtime Tesla board member and managing partner at DBL Partners, a venture-capital firm known for shrewd investments and social consciousness.

The type of partnership that has bloomed in Nevada increasingly is in vogue in the heartland—a theme of the recent Blueprint conference, at which Sandoval spoke, and a cause that AOL co-founder Steve Case has tirelessly promoted through his Rise of the Rest fund, a nationwide effort to work closely with entrepreneurs in emerging start-up ecosystems.

So-called flyover states have become valuable go-to territory for tech’s royalty in search of tax incentives, inexpensive land, and enough talent to fill thousands of jobs. Most of all, they offer a respite from clogged roadways, skyrocketing housing costs, and round-the-clock work schedules that have dogged workers in Silicon Valley and portions of the East Coast.

Software company Breadware relocated from Santa Barbara, Calif., to Reno to get closer to Silicon Valley and a thriving early-stage investment community while achieving work-life balance for its employees, says Chief Executive Officer David Price, who also considered Boulder, Colo., and Seattle as possible destinations.

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Posted by Eric Fang on March 15th, 2018 1:04 PMLeave a Comment

February's volume of mortgage loan applications for newly constructed homes rose both year-over-year and month-to-month, continuing the momentum from a surprisingly strong showing in January.

New home applications increased by 3% compared with January and by 4.6% compared with February 2017, according to the Mortgage Bankers Association. The data is not seasonally adjusted.

"Brisk activity in January likely pulled forward some buyer activity," Lynn Fisher, the MBA's vice president of research and economics, said in a press release.

"Combined, applications in January and February were up by 11% relative the same period last year. On a seasonally adjusted annual basis, our February estimate of new home sales based on mortgage applications came in at 632,000, ahead of the January Census estimate of 593,000 new homes sales, and back on trend following an uptick from hurricane-related rebuilding."

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Posted by Eric Fang on March 14th, 2018 10:54 AMLeave a Comment

Yes, I ran 11 miles on the trail this morning. The elevation was from 174 ft to 960 ft, so I had to walk a few times. But my heart rate stayed around 145 when I ran uphill. The downhill was steep too, I still did not know how to run downhill yet. Maybe I need to learn in the future.

I loved the experience so far. I decided to continue the run each Sunday morning for the next 8 weeks.

See the elevation below.

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Posted by Eric Fang on March 11th, 2018 4:33 PMLeave a Comment

March 10th, 2018 12:20 PM
We managed to rush out two loan docs this week for the purchases. They all have very challenge schedules. And got another loan Friday for 21 days closing, and I got very good rate for them. 30 Yr fixed for 500k loan with the rate 4.75%. This is almost primary home rate now. Anyway, I might have to work during my vacation.

Got another solid morning run today. I challenged myself for the training. The average pace was 7:43, but most of the paces were under 7:30.

Here are the paces:


LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
Also, I copied something from a book I read, sorry, this is in Chinese:

Have a good weekend.

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Posted by Eric Fang on March 10th, 2018 12:20 PMLeave a Comment

March 9th, 2018 9:33 AM
I just locked another purchase loan for my client, this is a jumbo rental purchase. I locked the loan for 4.75% with 0.36% lender credit. 4.875% with 0.8% lender credit. The loan program is actually 30 yr fixed. This is indeed a very good rate for this loan amount for a rental property.


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Posted by Eric Fang on March 9th, 2018 9:33 AMLeave a Comment

March 8th, 2018 10:48 PM

I just locked and closed one 5/1 ARM 3.75% a few days, then when I locked another one, the rate became 3.875%. And then another client wanted to get 3.875%, it went up to 4%. But I told him that we can wait, and we should be able to get 3.875% again. All the loan amounts were lower than $453k. And it was for no closing cost at all.

Signed for New Orleans Half Marathon 2 weeks later. Not sure about the weather there. Hopefully I can have a good time there.

Also, I did great for the recent marathon trainings. Tempo run paces are around 7:25 now, speed workout are all under 7:00. I think I might need to increase the weekly mileage soon.

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Posted by Eric Fang on March 8th, 2018 10:48 PMLeave a Comment

March 5th, 2018 10:21 PM
There are more and more purchase loans now, especially for some more first time buyers. It is never too late for purchasing the primary.

But still we need to know something important for the qualification. I got a loan over the weekend. But the borrower has only one credit card transaction on the credit report, so it will make the transaction hard. Originally I quoted 3.75% for 7/1ARM with no closing cost at all. But after the credit check, the best rate will be 4.25% now, and I have only one lender for this jumbo loan. Another option would be lower the loan amount to higher balance loan, this means that the borrower would have to put more down payment.

As for my running, I think I ran too fast for the speed workout. I need to slow down a little bit to about 7 minute pace.

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Posted by Eric Fang on March 5th, 2018 10:21 PMLeave a Comment

February 27th, 2018 12:03 PM
I updated today's 15 yr fixed rate to 4% now, for no closing cost for $400k loan amount. It is up from yesterday's 3.875%. Normally the bonds market will pause for sometime around 3% level. Let's wait and see what is going to happen for the next a few weeks.

Finished the book "On The Road"  last weekend. Will start a few more books. Read some more books in Chinese recently. Maybe that's easy for me, but still I will pick up some books in English.

Have very solid training for Mountain to Beach Marathon. Since I did not run the Huntington Beach marathon because of family emergency, I have more than enough training for M2B. I think I might be able to PR a few minutes this time. I train for 8 minutes PR, hopefully I can get 3-5 minutes faster. 

Planned to have a short interval run this morning on the overpass. Did not feel well after the 2nd run. So I changed to an easy run instead. Will do another set tonight. Hopefully it is going to be ok. Injury free is more important for me for the marathon training.

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Posted by Eric Fang on February 27th, 2018 12:03 PMLeave a Comment

February 22nd, 2018 5:23 PM
Just copy it here for the future reference:

Conforming(<=453,100)                       High Balance(>$453,100 & <=679,650)
30Yr. Fixed  4.375% APR 4.375%      
30Yr. Fixed  4.625%  APR 4.625%
15Yr. Fixed  3.875% APR 3.875%      15Yr. Fixed  4.125%  APR 4.125%         
7/1 ARM      4.000% APR 4.504%         7/1 ARM  4.125%  APR 4.504%

5/1 ARM      3.875% APR 4.504%         5/1 ARM  4.125%  APR 4.504%

30 Yr fixed   4.500% APR 4.500%
7/1 ARM      4.000% APR 4.504%
5/1 ARM      3.875% APR 4.504%(Locked one for 3.5% with purchase).

I spent more time for running now while the rates are up. I did have some quality training recently. I finished 6 miles tempo on the hills today(so far, the tempo paces are all under 7:30mins/mile for this training segment):


LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal

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Posted by Eric Fang on February 22nd, 2018 5:23 PMLeave a Comment

February 21st, 2018 10:33 PM
I heard from some experts that the economy will slow down if the bonds yield will reach 3%. And it is 2.939% as of today. Last time the bonds at this level was Jan 2014. And it went down after that. And another prior date was June 2011. More than 6.5 years ago. So the current interest rate is about 6-7 years high. But one major difference was that the 5/1 ARM rate was around 2.5% in June 2011. And the highest 30 yr fixed rate was 4.625% for the last 6-7 years.

So even when the fixed rate was high, people still could take ARM rate since they are about 2.xx or less than 3.5%. But this time, ARM rate is also around 3.875% to 4% now.

But for purchase loans, we can still get some good rates. I locked one jumbo 5/1ARM purchase with 3.5% to cover all the closing cost. This is a good rate on the current market.

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Posted by Eric Fang on February 21st, 2018 10:33 PMLeave a Comment

February 14th, 2018 10:50 AM
And no surprisingly, the interest rate goes higher again. Some ARM rate goes about 0.125% higher. Just save it for the future reference. Here is today's rate:

Conforming(<=453,100)                       High Balance(>$453,100 & <=679,650)
30Yr. Fixed  4.250% APR 4.250%      
30Yr. Fixed  4.250%  APR 4.250%
15Yr. Fixed  3.750% APR 3.750%      15Yr. Fixed  4.000%  APR 4.000%         
7/1 ARM      3.875% APR 4.504%         7/1 ARM  4.000%  APR 4.504%

5/1 ARM      3.875% APR 4.504%         5/1 ARM  3.875%  APR 4.504%

30 Yr fixed   4.375% APR 4.375%
7/1 ARM      4.000% APR 4.504%
5/1 ARM      3.875% APR 4.504%

Posted in:General
Posted by Eric Fang on February 14th, 2018 10:50 AMLeave a Comment

February 12th, 2018 11:29 AM
If you played the maze game before, sometimes you might stay inside for a long time, and you could not figure out how to get out. But if there was another person who stayed on the top of the maze(or somewhere from the sky), they could figure out how to get out pretty easy.

It is the same for the stock market investment. You will have to stay out of the market for sometime, or do not watch or touch the market for a period of time.

We talked about the stock markets over the weekend. I stayed very calm about the up and down, and my friends were surprised to find out I could stay so calm when I am fully invested. I told them that I am not worried at all if I plan to invest for the next 25 years. Today's market would be very low compared to the future numbers in 20, 25 years.

I have another client who is very conservative. We talked about whether she needs to refinance for the current ARM. She had 5/1 ARM for 2.25% before, and will reset this year. And she said that she would not refinance any more, and would just payoff this loan. According to her, 3.75% CD rate is not bad for her to pay it off since there is no tax benefits to hold this loan any more. It is a smart way for her since she does not like stocks. 3.75% after tax return is not bad either.

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Posted by Eric Fang on February 12th, 2018 11:29 AMLeave a Comment

February 9th, 2018 1:46 PM
It is very interesting to watch the market these days. I know it is hard for the day trading. But it should be easy for the investment. Or maybe not that hard. You can just pick the index fund, or some good companies, like V, MA, GOOG, AMZN, MSFT, JPM, etc. And then just hold them long term. Most of the stock prices should be higher after 10 years, if not just doubled.

Locked another 5/1 ARM 3.75% today. I know this rate still a little bit higher, but I recommend my clients to lock a rate first. Then if it goes lower in about 6 months, we can refinance again. But it might be hard to get lower rates in the next one or two years.

Had a few good runs this week. Speed workout on Wednesday, and 3 miles Tempo today.
I ran first two miles with pace of 7 min/Mile. The 3rd mile 7:07. I will try to see whether I can do the same thing next week. But my heart rate already went up to 165. This is my half marathon race number.

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Posted by Eric Fang on February 9th, 2018 1:46 PMLeave a Comment

If you are a long term investor, do not think it negatively. This is the opportunity for you to accumulate good stocks for the long run, or buy the index funds for the long term.
And I think I will buy some funds tomorrow if the market is down again.

And the interest rate is up another 0.125% today. Just post it here for future reference:
Conforming(<=453,100)                       High Balance(>$453,100 & <=679,650)
30Yr. Fixed  4.250% APR 4.250%      
30Yr. Fixed  4.250%  APR 4.250%
15Yr. Fixed  3.750% APR 3.750%      15Yr. Fixed  4.000%  APR 4.000%         
7/1 ARM      3.875% APR 4.504%         7/1 ARM  4.000%  APR 4.504%

5/1 ARM      3.875% APR 4.504%         5/1 ARM  3.875%  APR 4.504%

30 Yr fixed   4.375% APR 4.375%
7/1 ARM      3.875% APR 4.504%
5/1 ARM      3.750% APR 4.504%

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Posted by Eric Fang on February 8th, 2018 6:58 PMLeave a Comment

The stock market was down 666 points last Friday and another 1175 points Monday. That's crazy. But the good news is that it ended the rising of the interest rates. The rate for all the loan programs were down 0.125% today. Good job.

I did not race the Surf City Marathon because of family emergency. My father in law went to Emergency room Friday night and he came home this Monday afternoon. Everything is ok now. That's the good news.

Some people asked me about the stock market. I am not scared. If we look at the crashes in the history, they were all "history low" now compared to the current market. So I will still purchase some and hold them long term.

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Posted by Eric Fang on February 5th, 2018 10:45 PMLeave a Comment

February 2nd, 2018 9:10 PM
Dow was down 666 points, and the interest rate went up. And the lowest rate for all programs were 3.875% now. I do not think it will go up too much from the current level. Normally bonds and stocks goes different direction, but today they all sold off.

Just keep the rate sheet here for the future comparison:

Conforming(<=453,100)                       High Balance(>$453,100 & <=679,650)
30Yr. Fixed  4.250% APR 4.250%      
30Yr. Fixed  4.375%  APR 4.375%
15Yr. Fixed  3.750% APR 3.750%      15Yr. Fixed  4.000%  APR 4.000%         
7/1 ARM      3.875% APR 4.504%         7/1 ARM  4.125%  APR 4.504%

5/1 ARM      3.875% APR 4.504%         5/1 ARM  4.000%  APR 4.504%

30 Yr fixed   4.375% APR 4.375%
7/1 ARM      3.875% APR 4.504%
5/1 ARM      3.875% APR 4.504%

Posted in:General
Posted by Eric Fang on February 2nd, 2018 9:10 PMLeave a Comment

January 31st, 2018 1:31 PM
I just tried to quote one of the prospects about 15 yr fixed high balance conforming loan. And the rate is already 3.875% now with no closing cost. Even the conforming loan rate is 3.625% now for 15 yr fixed. I checked my records, this rate about the same level as of May 2011. Not bad, is not it? So that means the rate may go higher.

And for 2010, the 15 yr fixed rate is over 4%. And 30 yr fixed rate over 4.5%. So we are still not at those levels yet. And I now I believe that the current rate is still at the "history low".

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Posted by Eric Fang on January 31st, 2018 1:31 PMLeave a Comment

According to Warren Buffett, it should be a good day since you can buy more percentage of the company(though it is almost 0%). As long as you hold longer term, with a good company, you prefer to buy stocks with lower price.

And yes, I purchased some shares of LGIH today, at $67.76. I know I purchased when it was positive, and at a big down day. That means this stock should be strong, or maybe the earnings would be very good.

I would like to share a story about the "forgotten" purchases. Right after I started doing loans full time, I transferred my stocks to Vanguard IRA account. And I did not spend too much time for the investment before, I asked one of my co-workers at Kana Software to help me pick up a few funds. She picked up 7 funds for me, I did not take a look at it for the past 10 years. And I checked the performance over the weekend, it was up more than 321%(Total 421% of the initial funds). This was the wonder of the compounding. 

Then I talked to myself, why should I spend time to "pick" the stocks, and do the investment myself? Though I made the mistake again by picking up LGIH today, but most of the money will go to those funds eventually.

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Posted by Eric Fang on January 30th, 2018 1:05 PMLeave a Comment

January 27th, 2018 10:13 PM
Here is the link for the article. San Jose and San Francisco are all on the list.  San Jose was projected the appreciation of 8.9% vs San Francisco 3.8%.

Read a few books recently when the rates went higher again. I used to find it is so hard to read Walden. and On the Road, and I think I made some progresses recently and could finish them soon. Sometimes, we might understand them, I will feel better after I read them a few times.

Listened to a book from Tony Robbins: MONEY Master Game Financial Freedom. There was a story about a guy who started working for UPS in 1907, and he retired in 1952. He invested 20% of the salary to the company stock, his investment account was worth 700k in 1952. And the account was worth 70 Million when he was 90 years old. Here is the link of the story: But do not be confused by his salary of $14k a year. $14k income in 1952 is about $130k now. But still if you invest for the long term, your return will be huge. But one thing to remember, the company would survive longer enough.

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Posted by Eric Fang on January 27th, 2018 10:13 PMLeave a Comment

It took only about 2 months for the 5/1 ARM and 7/1 ARM rate goes up about 0.5%. I have some borrowers asking me whether the rate will go down in the near future, the answer might be "No".

We used to try to prove how smart we are, and how good we are. But normally we can only predict short term, very hard for the long term. Sometimes, I would have to laugh when I saw someone predicted the stock market for the 2nd day, or how the dow or nasdaq will go in a week. First, it is useless. 2nd, if we can predict, it will be easy for us to be rich quickly.

Went to Santa Monica over the weekend. Ran 12 miles on the beach trail and had a great time. Maybe I still need to set up a goal for my marathon?

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Posted by Eric Fang on January 24th, 2018 11:52 AMLeave a Comment

January 19th, 2018 10:23 PM
December Housing Starts came in at 1.192 million annualized units, the Commerce Department reported, falling 8.2 percent from November and driven lower by a sharp decrease in single-family units. December's reading marked the largest monthly percentage drop since November 2006.

Single-family starts plunged nearly 12 percent from November, though they did increase 3.5 percent from December 2016. Multi-family dwellings rose 2.6 percent from November but plummeted 21 percent from the same time a year ago.

Building Permits, a sign of future construction, were essentially unchanged from November at an annual rate of 1.302 million units. Overall, this was a disappointing report for potential homebuyers facing inventory shortages around much of the country.

Homebuilders are still feeling confident, however, as the January National Association of Home Builders Housing Market Index came in at 72, just below the 74 registered in December. The index measures data from a survey of homebuilders and asks respondents to rate conditions for current single-family home sales, sales in the next six months and traffic from prospective buyers. Any reading over 50 is considered positive sentiment. 

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Posted by Eric Fang on January 19th, 2018 10:23 PMLeave a Comment

January 17th, 2018 11:28 AM
I know that I have more time now, that's why I took some online courses.

I finished Financial Markets last weekend. The essay was due Sunday Jan 14th. I was so frustrated over the weekend. I debated whether I need to work on it. On the one side, I do not care about the scores, the certificate to prove myself. On the other side, I finished all the quizzes. And the essay is about my opinion about the financialization of the housing market, my favorite topic. I struggled a little bit, so it took me about two hours finished the draft, and then I edited in the Saturday evening, and submitted one day ahead of time.

And after that, I took the course: Understanding Financial Statements: Company Position by Kevin E. Jackson. Since I audited this time, and I am not required to take the quizzes, I finished the class much faster. But I might not be able to learn much stuff this way. But it is a good start. And if I like, I can grab another more profound book to read.

Purchased another stock today: LGIH. Another builder stock with high growth. Purchased at 71.01. Hopefully I can hold it for another 10 years, like KBH. I will buy more if the stock hold a base around 80.

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Posted by Eric Fang on January 17th, 2018 11:28 AMLeave a Comment

January 15th, 2018 10:45 PM
Lots of updates the past week. Originated three more loans last week, closed two more loans. Still more loans for cash-out loans. Still people plan to use "easy" money to invest.

Completed the online course:  Financial Markets by Robert Shiller(Yale University). And started another online course: Understanding Financial Statements: Company Position by Kevin E. Jackson(Univ of Illinois at Urbana-Champaign).

And finished reading the book: Beating the Street.

Ran total of 51 Miles and Rode total of 38 Miles. And hiked for 12 miles today. Enjoyed so much about the readings and the exercises.

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Posted by Eric Fang on January 15th, 2018 10:45 PMLeave a Comment

January 8th, 2018 3:41 PM

The interest rate kept high this year. Not sure it is a good thing or not. At least I would have more time this year, for the reading, running and biking. For the past week, I rode total of 33 miles, ran 46 miles, and finished 4 books. I think I will finish more books this year.

Booked the hotel for the Feb 4th Marathon in Huntington Beach. It would be fun. I will not try to run too fast. Finish time of around 3:30 should be good enough.

I will keep tracking my running miles, and biking in the blogs for this year.

YTD running 46 Miles.
YTD biking 33 Miles.
Completed Books: 4

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Posted by Eric Fang on January 8th, 2018 3:41 PMLeave a Comment

January 2nd, 2018 11:58 AM
The trend is still ok after the new year. Some people will think the trader might sell to take some profits, but apparently not many people sell yet. So it might be another good year.

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Posted by Eric Fang on January 2nd, 2018 11:58 AMLeave a Comment

January 1st, 2018 10:58 PM
It was a great year for me, I read over 50 books(some English books listed on 2017 Books.
I completed 5 Marathons(Carlsbad in Jan, Boston in April, Denver in May, New York in Nov, and CIM in Dec.  Here is the list for the marathons I completed). And in 2018, I plan to run 6 more.

I will read more books as I do enjoyed it. I might not trade too much stocks since I purchase SP 500 every month. Will enjoy another great year with all my friends, my clients and my family.


??????????,??????????????????????:??Carlsbad ,????,????,?????,???CIM ???PR??????,????????????N??,??????????”?????”. ?????????50???,???????????



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Posted by Eric Fang on January 1st, 2018 10:58 PMLeave a Comment

December 28th, 2017 11:18 PM
Started running again, with only 11 miles. I did not run for the last 4 days, I thought I gained some weights, so I ran a little bit slower than normal. It was a bad idea if I ran faster when I was heavier. Here are the pace:



LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal

Finished the book Tap Dancing to Work: Warren Buffett on Practically Everything, 1966-2013 today. And started the books: On the Road. Finished 20 pages. And tomorrow, I will start the book Principles: Life and Work again. I would read two books at the same time.

For On the Road, the author was travelling from New York to the West Coast. Though he decided to go to San Francisco, It seemed to me that he would stop at Denver for sometime, then head West again. He took the bus from NY to Chicago, then hitchhiked all the way from IL, to Iowa, then Nebrska. And sometimes, he would drive the car for some others as well(those who wanted to bring another car to home). 

He took the US-6, and I think it overlapped to Route 66 a little bit. 

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Posted by Eric Fang on December 28th, 2017 11:18 PMLeave a Comment

You might not be able to see it, but we can see the trend is heading lower a little bit.

Went to Carmel over the Christmas weekend. Stayed there for 3 days, two nights. Walked a lot along the coast, especially along the course of Big Sur Half Marathon from Monterey to Pacific Grove. And walked along the Scenic Road in Carmel as well, they were indeed pretty, and the weather was so nice.

Read a few books while I was there, especially I finished The Autobiography of Benjamin,
and almost finished Tap Dancing to Work: Warren Buffett on Practically Everything.

As for the investment, I purchased some shares of WFC. This might be my "only" trade for 2018. The rest trades will be through the automatic SP500 ETF.

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Posted by Eric Fang on December 27th, 2017 2:48 PMLeave a Comment

December 22nd, 2017 10:59 AM
I know that we would try to do something, but it seems like still hard to avoid paying taxes. On item 9 of schedule A, this item capped as $10k. So most of us will end of paying more taxes because of that change. See the link for the explanation here:

If you click "Weekly Mortgage News -- Back" on the left side of this website, you will find some updated info about the industry. It is published every Friday. Or you can click the link 

Happy Holidays.

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Posted by Eric Fang on December 22nd, 2017 10:59 AMLeave a Comment



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