Mortgage Blog

Finally first Blog of 2021 -- rate went up, Jumbo rate is good, keep running
January 23rd, 2021 1:08 PM

January of 2021 was almost over. I had the problem to write this blog because of end life of flash driver of Adobe. My website depends  heavily on the flash driver. And it took me some time to figure out how to write a blog again(but the layout is still bad)

A lot of things happened this year, we have a new president now, and the stock market kept going up. And the most important thing for us: the interest rate started going up after Jan 6th. Now it is very hard to get 30 yr fixed rate of 2.5% any more.

But we still have some good news. Like Jumbo 7/1ARM rate is around 2.625%(APR 2.625% to 2.75%); 30 yr fixed Jumbo still around APR 2.875% etc.

For 2020, I had a few major changes: 1)I went to sleep around 10:30pm(went to bed at 9:30pm). So I read a lot of books. And I felt much better. My memory is getting better, and I do not have the headache any more. It bothered me when I worked in HSBC in 2019. And I felt so good. 2) I switched my investment strategy, and switched more funds to QQQ and high tech stocks. 

For the first a few weeks of 2021, For my mortgages, I only focus on the past clients and your referrals. Still I believe that the mortgage rate is not that important in our big financial picture. We only need to take whatever best rates the market offers and concentrate on the other important things. For myself, even though I still work hard(I closed 25 loans so far this year), I focus more on the family, my health, my friends etc.  I gained some weights(currently weigh around 178lbs to 180lbs) though, mainly because of holiday diets. I planned to do some 10 minutes abs, but it did not go well. So I changed to do abs every other day.  My running was still good, I ran on the average of 40-50 miles per week, with one half marathon each week.  Here is the paced of the half marathon I ran this morning, still not too bad: 

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.0010:0210:026:54121138169194078110
2.1.008:478:478:0313614318419405112
3.1.008:398:397:4213514218719450106
4.1.008:358:357:35140147188196100108
5.1.008:198:198:0014515018719275111
6.1.008:178:178:001451501871942828108
7.1.008:228:227:4814414818619250105
8.1.008:268:267:35143149185194252598
9.1.008:138:137:461451501891961012100
10.1.008:258:258:0414114718819651684
11.1.008:258:257:571411461881960582
12.1.008:478:478:191391441882045067
13.1.008:158:157:301431511902046082
14.0.110:497:438:00146148194196009
Totals:13.111:52:288:346:54139151186204921611,282

Posted by Eric Fang on January 23rd, 2021 1:08 PMPost a Comment

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