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February 22nd, 2019 12:53 PM
Had a very good run this morning. Here are the splits for 9 mile tempo run:



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

Finished up to 298 pages of The Road to Little Dribbling: Adventures of an American in Britain. 78 more pages to go. I think I should be able to finish the end of this week. Maybe next Monday since I will go hiking of 20 miles this weekend.

Finished story 59 for the book Eat, Play and Love. Page 443 of 804. I will finish this book next week as well.

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Posted by Eric Fang on February 22nd, 2019 12:53 PMLeave a Comment

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The highlight of this past week was the Fed Minutes from the January Fed Meeting. The Minutes are a detailed record of the Fed's monetary policy setting meeting, so the markets gain insight into the psyche of the Fed as it relates to interest rates, the economy and more. 

What the markets heard loud and clear from the meeting Minutes was PATIENCE -- meaning, the Fed is in no rush to hike interest rates and they will watch the incoming economic data to determine when they might hike again. There is now a low probability for another hike in 2019. 

What are the most important reports the Fed is watching which can influence rates?
  • Gross Domestic Product
  • Inflation (big report next week -- more on that below)
  • Jobs Report
  • Consumer Confidence
  • Retail Sales
In response to the Minutes, mortgage bond prices and thus home loan rates are hovering near the best levels in a year. 

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Posted by Eric Fang on February 22nd, 2019 11:37 AMLeave a Comment

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Posted by Eric Fang on February 21st, 2019 8:57 PMLeave a Comment

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February 21st, 2019 2:07 PM
Locked a few loans last week, and a few more in the pipeline. Some fixed loan, most 7/1 ARM.

Did not run much recently. There are always some glitches. And I know I will run more in March.

Finished walking in SF for 16 miles last Saturday.  Plan to hike another 20 miles this weekend, 31 miles on March 1st. Hiking is not bad, at least it is good for controlling the weight.

I started reading Eat, Play and Love. this week. Loved it. So I think I can finish it by this weekend. But I should finish The Road to Little Dribbling: Adventures of an American in Britain since there are only less than 100 pages now.

I enjoy reading books, and should write some reading comments in the future when I have time. At this moment, just keep reading. My reading list is:

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Posted by Eric Fang on February 21st, 2019 2:07 PMLeave a Comment

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We can still get you 4.x 7/1 ARM rate(APR 4.76%) for Rental properties even if you have more than 4 financed properties. We are one of the main lenders who can do this kind of loans, and also it is ok if this property is out of California.

Please call me email me if you have any questions.

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Posted by Eric Fang on February 15th, 2019 3:29 PMLeave a Comment

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February 15th, 2019 1:17 PM
I still remembered my friend's words last Friday: Competitive is good. So I think I would plan to run faster this year. I plan to run 5 minutes faster. So hopefully I can run within 3:15 this year for marathon. And I plan to accomplish my dream at Berlin Marathon.

I ran 7 miles tempo this morning. The average pace is around 7:13 per mile. I would run this pace for the next a few weeks and see how it goes.

A little bit more progress for the reading. I would finish the book The Road to Little Dribbling: Adventures of an American in Britain this weekend. It is a very well-written book to read if you plan to visit Britain in the future. I looked up a few words in the dictionary at the beginning. But only two of three words on each page now.

I would run 18 miles tomorrow. I will run it easy, though it is on the hills.

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Posted by Eric Fang on February 15th, 2019 1:17 PMLeave a Comment

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February 12th, 2019 10:45 PM
The rate is not bad for 30% down. It is around 4.25% for 7/1 ARM with some lender credits. Not bad rate for an out of state loan.

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Posted by Eric Fang on February 12th, 2019 10:45 PMLeave a Comment

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February 11th, 2019 10:51 PM
I met two couples this weekend. One friend told me that: Competition is good. Which I do agree. That's why I like to challenge myself with my marathons. Not only I need to finish them, but also I need to PR, beat the previous best time, until I am getting older and I could not do it.

And then another friend told me: Eric, just relax and enjoy what you have. You will not know what happen the next day. I could not agree more as well. This friend just had passed out while traveled in Mexico, and he was fully recovered now. Though he would like to travel all over the country again. He said that we do not have to work that hard any more. Just enjoy the life. And I nodded as well.

Finished 198 pages of the book The Road to Little Dribbling: Adventures of an American in Britain so far. The more I read this book, the more I love it. I am interested in knowing the small towns in Britain. I think I would explore them when I visit Britain. I hope I can run London marathon in the next a few years so that I can visit the country for one or two weeks. Yes, I love travels now. 

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Posted by Eric Fang on February 11th, 2019 10:51 PMLeave a Comment

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The housing market is always subject to fluctuations and can be impacted by several factors. In this first month of 2019, one of the biggest issues impacting home sales is the ongoing federal government shutdown. The National Association of Realtors (NAR) recently surveyed a portion of its members and found that the federal government shutdown was having some influence on home sales, but the extent of the impact is still not certain. 

To determine whether the federal government shutdown was affecting the housing market, the NAR surveyed 2,211 of its members, according to MarketWatch. While 75 percent surveyed said they had not noticed an impact from the federal government shutdown, 22 percent reported that they did see an influence, with 11 percent stating current clients were impacted and 11 percent claiming that potential clients were influenced. 

The survey revealed that the federal government shutdown was causing an impact in sales involving both nongovernment employees and federal government workers. One-quarter of agents who reported an impact revealed that some nongovernment buyers were backing out of sales due to uncertainty in the government. The study also found that 9 percent of Realtors who experienced an impact because of the federal government shutdown stated that it was because a government employee decided not to buy a home. 

While the federal government shutdown offers some indication of its related interference with home sales, it is not the only issue at play. In the same NAR study, agents revealed that they were having difficulty closing sales because of issues with FHA loans, USDA loans, and income verification from the IRS. Additionally, the housing market has been slow for more than a year, with both sales and price appreciation consistently down. Although Realtors should pay attention to the situation, multiple factors may make home sales more difficult. 

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Posted by Eric Fang on February 8th, 2019 11:28 AMLeave a Comment

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Every year, several experts take a look at the housing market to determine whether sales will rise or fall. Last year, insiders expected that the updated tax code would cause home sales to slow, but so far, this prediction hasn't come to pass. While the housing market was dampened somewhat in 2018, the culprit was an increase in mortgage rates and housing prices, not the new tax law. 

Home sales have been somewhat flat so far in 2019 as well, for several different reasons, such as global trading conflicts and volatility in the stock market. While it's too soon to tell whether these economic conditions will continue to interfere with home sales, experts are starting to make some predictions for the housing market in 2019. 

According to the National Association of Realtors (NAR), the housing market in 2019 should be relatively stable, especially when considering home values. While the price of homes will still appreciate, a lack of inventory is an issue that may flatten the rate of home sales. The fear is the lack of new home inventory, particularly when taking into account job and population growth in certain markets. 

Some experts are actually predicting a decrease in home sales. The reason that home sales may decline mostly has to do with affordability. As home prices and mortgage rates increase, buying a home becomes less affordable. Unless a big economic change occurs in the future, predicts that it will remain a seller's market for at least the next five years. 

The National Association of Home Builders (NAHB) is also somewhat pessimistic for the housing market in 2019, mostly due to a sharp drop in home builder confidence at the end of last year. The NAHB predicts that several factors could impact home sales in the coming year. 

First, the market faces a shortage of labor and lots suitable for building, which translates to less construction of new homes. Second, strict building regulations and building practices may also reduce successful home sales. Finally, costs for lumber and other supplies have increased for many home builders because of tariffs. As a result of these different factors, the NAHB predicts that sales for new homes should be about the same as last year, although the group also expects construction of single-family homes to increase slightly. 

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Posted by Eric Fang on February 8th, 2019 11:26 AMLeave a Comment

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February 7th, 2019 2:18 PM
Got another phone call today for the purchase. they thought their purchase power is limited because of the income in China from husband. Actually we can use the income to qualify.

Please email or call me of you have similar questions.

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Posted by Eric Fang on February 7th, 2019 2:18 PMLeave a Comment

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February 7th, 2019 1:40 PM
Sometimes we do not do easiest things, we do what our clients want.

I am doing a loan for Las Vegas for the purchase. The rate is around 4.25% for 7/1 ARM(APR 4.72%) and covering some closing cost. The rate is good, and also it is for my client.

And I am doing another purchase loan for my LA client, with 10% down payment. The 7/1 ARM rate of 4.125%(APR 4.72%) is not bad either, this rate is not bad either since there is no mortgage insurance at all.

There are amore requests of changing 30 yr fixed for 7/1 ARM recently, though 30 yr fixed rate is not bad either, but 7/1 ARM will save a few hundred dollars, plus the rate might not go up too much from the current level.

Finished 133 Pages of The Road to Little Dribbling by Bill Bryson. He is an American who lives in Britain. He likes hiking and travel a lot. I like reading his books. I purchased this book about one year ago. It is very entertaining to read it now.

In this book(on the page 105), he wrote his experience with TripAdvisor. there was a restraint: Crown Manor House, who was fined for $20k because of hygiene issues. The newspaper already reported for 5 violations of rats running around the food. And he wrote a comment on TripAdvisor under that restraint and posted the link to the newspaper article. But his comment was deleted by TripAdvisor. The reason is that: this is not his own first hand experience.

So seems like we can not trust TripAdvisor either.   

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Posted by Eric Fang on February 7th, 2019 1:40 PMLeave a Comment

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February 4th, 2019 10:02 AM
It is a great start. Finished 8 miles in the morning and updated my 2019 book list. I finished the book why be happy when you could be normal over the weekend. And another 20 pages per day for two days for The Road to Little Dribbling: Adventures of an American in Britain. I should be able to finished this book the end of Feb(total 19 days).

I also started training for Big Sur marathon on April 28th. No plan for a PR. It should be a happy run. Any time around 3:40 would be good.

For the loan part, locked a few loans last week. Got two purchase loans over the weekend. And I will start a loan in Nevada. Yes, I can do loans for 48 states now.

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Posted by Eric Fang on February 4th, 2019 10:02 AMLeave a Comment

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February 2nd, 2019 9:33 PM
I plan to complete 10 books each month of 2019. Please see the link here for the Jan 2019. Finished 11 books total. Two in English and 9 in Chinese.

In Feb 2019, my main plan is to finish the book The Road to Little Dribbling: Adventures of an American in Britain. I plan to read 20 pages per day, and it will take me about 19 days to complete. And then 9 more books in English.

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Posted by Eric Fang on February 2nd, 2019 9:33 PMLeave a Comment

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January 31st, 2019 8:51 AM

For conforming loans, 30 yr fixed is as low as 4.25% 15 yr fixed 3.75%.  For Jumbo loan, 30 yr fixed rate 4.125%; And we have good rates for Rental ARM now.

For Rental ARM 300k loan, the 7/1 ARM rate can be as low as 4.125%  or 4% with high balance low amount. Very competitive.

The above rates are all for no closing cost at all.

Have not talked about my readings for 2019. Actually I already finished 10 books. I will share my experience in the next blog.

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Posted by Eric Fang on January 31st, 2019 8:51 AMLeave a Comment

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January 30th, 2019 8:59 AM
I remembered that I studied both classes for my MBA when I was in Chia. That was about 30 years ago. But I heard one of my clients talked about it last week.

We talked about the real estate market in the bay area. She is a very very good real estate investor. And invested heavily on the properties in the bay area and LA area. And she purchased one property last November. And I told her the timing was so good, since the market is coming back after the new year.

And she told me that she would purchase properties based on macroeconomics. As long as the macroeconomics is good, she would purchase. It does not matter whether she paid $50k less or more. And one advantage of the investment in a slow market is that she would not have to overbid by adding 100k or 200k.

By the way, I have another client purchased last Dec, the deal was very good as well.

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Posted by Eric Fang on January 30th, 2019 8:59 AMLeave a Comment

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January 21st, 2019 8:48 PM

Yes, I ran Carlsbad Marathon on Jan 20, 2019. The finished time was 3:39:18. It was about 19 minutes slower. I know it is slow. I did not train too much because of the huge volume of business the beginning of this year. I think I should focus more on the next Marathon in April.

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Posted by Eric Fang on January 21st, 2019 8:48 PMLeave a Comment

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Best rate scenario still can be around 3.375% for Jumbo. But if the loan amount is less than 1 million or LTV over 65%, then the rate would be over 3.43%.

A few borrowers contacted with me to refinance the existing 30 yr fixed rate to 7/1ARM. I think this is reasonable since the Fed might not increase the rate too much from the current level. And 7 years are long enough, plus the rate is much better than 30 yr fixed.

Finished 5 miles run this morning, with tempo pace around 7:30. I think I am ready for the weekend Marathon at Carlsbad. But the temperature is a little bit warm. I do not like Warm or hot temperature. But better than Boston last time when it was over 75 most of the time.

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Posted by Eric Fang on January 17th, 2019 1:26 PMLeave a Comment

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January 15th, 2019 11:06 PM
I am so busy this week. Locked more loans in the pipeline. So it will be a good year.

Bank started reporting earnings, with Citibank, Wells Fargo and Chase all missed easrnings.
And Jamie Dimon from chase said they would prepare for a recession.

Have not run for the whole week. Also because I am busy. And I will run Carlsbad this weekend. Though not enough training, but I am ready.

By the way, the interest rate is still pretty good.

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Posted by Eric Fang on January 15th, 2019 11:06 PMLeave a Comment

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1)New construction is forecasted to see a slight decrease in 2019

According to Dodge Data & Analytics, a reliable source of information for the construction industry forecast, new construction will hold even with numbers from 2017 and 2018. Construction starts advanced 11 percent to 14 percent yearly from 2012 through 2015, but between 2016 and 2017, new construction saw a 7 percent increase and a mere 3 percent rise in 2018. The construction market should see similar patterns in 2019. 

Challenges facing new construction and development include an uncertain interest rate environment as well as increased labor and material costs. However, Robert A. Murray, chief economist for Dodge Data & Analytics, believes that these challenges are offset by a strong economy and slight easing of bank lending standards. 

In saying that, forecasts project that for 2019, total construction will start off with numbers similar to 2018 and end with a slight decline. Residential new home construction may see a slight drop of about 2 percent. 

Commercial buildings, including office, warehouse, and hotel construction, may also experience a weakening as we move forward into 2019. 

Overall, new construction and development will likely see a slow start for 2019. Factors that may adjust these forecasts are job growth, wage increases, a pullback in rates and the stabilization of the stock market. 

2)New home sales may decline in 2019.

As 2019 comes into view, keep an eye on what the housing market will bring. Due to uncertainty with interest rates, many prospective new homebuyers are cautiously waiting on the sidelines to see where rates may go. 

The Federal Reserve increased the Fed Funds rates in 2018 with expectations of further increases in 2019, but recent forecasts indicate that the Fed may not increase interest rates in 2019. For now, interest rates remain attractive relative to earlier in 2018, but continued uncertainty has the potential to create indecision among buyers throughout the year. 

According to the Mortgage Bankers Association (MBA), mortgage applications for newly constructed homes fell by 14 percent in November compared to October. Even with adjustments made for annual seasonal declines in the housing market, application rates were down by 11 percent from the same time in 2017. According to Joel Kan, MBA's Associate Vice President of Economic and Industry Forecasting, actual new home sales fell by 7 percent and are about 5 percent lower than November 2017. 

Since many homebuyers are on a holding pattern, housing prices are weakening in some markets and the days that a home is on the market are increasing. Instead of putting their homes on the market, many sellers are opting to stay put and build more equity in their homes while spending money on home improvements to increase values. For now, the forecast is predicting a slowdown in new home sales for 2019. 

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Posted by Eric Fang on January 11th, 2019 11:43 AMLeave a Comment

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Stocks continued to react positively to Fed Chair Powell's Jan 4th speech, where he essentially said, "we have your back"...meaning that the Fed will be "flexible" and may not raise rates at all in 2019. 

There is an old saying in the financial markets - "don't fight the Fed." This means that if the Fed is saying or doing something (hinting no rate hikes) that helps Stocks, that theme will continue until the story changes. 

Typically, when stocks move higher, so do long-term rates, like home loans. And this past week, we saw the recent nice trend of lower rates get disrupted. 

Even though the recent trend of lower rates, the lowest since the Spring, is very much at risk - we should not expect long-term rates to move too high. Why? Inflation is not a threat. 

Fed President Bullard, quoted above, also said he expects inflation to be near current levels for the next FIVE years. If that is the case, home loan rates will remain relatively attractive for longer than most expect. 

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Posted by Eric Fang on January 11th, 2019 11:38 AMLeave a Comment

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Quoted 7/1ARM rental with 4.16% for 7/1 ARM. The loan amount is $300k LTV <=65%. There is no closing cost for the loan.

It is a fantastic year for me. I locked one or a few loans every day this year. Please check with me if you have any rental refinance or purchase, or Jumbo loans.

Also, I run faster this year. Tuesday, I ran 4 miles with average pace of 6:50. This morning I ran 6 miles with average pace of 7:10. I plan to run a marathon with average pace 7:15 sometime this year or next year. Here is the pace splits for my morning run:



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 January 10th, 2019 9:56 AMLeave a Comment

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January 8th, 2019 11:36 PM
Locked two loans Monday, another one today. And two more files in the pipeline to work on it.

It is my 52 years birthday today. I ran 5.2 miles to celebrate. The 4 miles tempo was still my fastest. I know I cheated. I wore my Nike Valorfly 4%. It is supposed to be 4% faster than normal. And it did. Here are the splits:



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

I think it is still hard for me to run under 20 minutes for 5k. But it would be ok to run under 21 minutes now. I should try one race sometime.

Starting this year, I jolt down 3 happy moments everyday. So I can keep a log of important moments, especially the happy moments. Here is today's list:
1)BDay wishes from friends and family. Dinner with family to celebrate.
2)Ran 5.2 Miles to Celebrate my 52 years young. Fastest 4 Miles Tempo.
3)Managed to get a good rate for my client. Though it is a hard case, I managed to nail it down.

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Posted by Eric Fang on January 8th, 2019 11:36 PMLeave a Comment

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I hope everyone had a great & happy holidays.

For me, we did not go any where. We stayed home most of the time, and went to San Francisco a few times, shopping and had the feeling of city life and a little bit hiking. My daughter has an undergraduate show for her art work, so she spent most of her time working on the projects. She won the first prize last year, and hopefully she will be doing good this year as well.

The first week of 2019 was wonderful for me. I locked 7 million (loan amount) loans already. So 2019 would be a great year for me business.

7/1 ARM jumbo rate is back. I locked a few for the rate around 3.375% to 3.5%(LTV <=60%, with loan over a million). Also, other conforming ARM rate are very good as well.

Please call me 650-483-9278 or email me for your loan scenario.

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Posted by Eric Fang on January 7th, 2019 10:20 AMLeave a Comment

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December 26th, 2018 10:53 PM
Effective Jan 1, 2019:
1)City of Berkeley:

Full Value of $1,500,000 or less          1.50%

Full Value $1,500,001 and above          2.50%

2)City of Oakland:
Full Value of $300,000 or less            1%
Full Value of $300,001 to 2M             1.5%
Full Value of $2m+$1 to 5M                1.75%
Over 5M                                               2.5%

3)City of El Cerrito:                 1.2% for all values.

4)City of Richmond:
Full Value of less than 1M                  0.7%
Full Value of $1m to $3m                   1.25%
Full Value of $3m+$1 to 10M             2.5%

5)City of Hayward:
Full Value of less than 1M                  0.85%

So your closing cost for the purchase might change a little bit for those cities.

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Posted by Eric Fang on December 26th, 2018 10:53 PMLeave a Comment

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12 Cleveland, Ohio
11 San Jose, Calif.
10 Seattle, Wash.
9 Columbus, Ohio
8 Rochester, N.Y.
7 Denver, Colo.
6 St. Louis, Mo.
5 Kansas City, Mo.
4 Buffalo, N.Y.
3 Minneapolis, Minn.
2 Pittsburgh, Pa.
1 Salt Lake City, Utah

Was a little bit surprised that Portland is not on the list this year.

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Posted by Eric Fang on December 22nd, 2018 7:05 AMLeave a Comment

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December 20th, 2018 3:06 PM
7/1 ARM rate is very very good, even though after Fed increased the Fed rate for another quarter on Dec 19th.

Locked about 5 loans already. A few loans in the pipleline.

Please call 650-483-9278 or email me for the loan scenarios. My rates are much better than other lenders now.

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Posted by Eric Fang on December 20th, 2018 3:06 PMLeave a Comment

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December 18th, 2018 1:58 PM
Let me start with a scenario first. Borrower A has a credit score of 720. For 7/1ARM loan program, the rate is above 0.375% higher, compared to 760 credit score, the LTV 75%. Normally we will provide a few options to the borrower, option 1 with $5000 lender credit to cover the closing. Option 2 with $2500 credit, option 3 with $0 lender credit. And some borrower will choose the rate directly. Some choose lower rates, some choose higher for more lender credits.

When I talked to this prospects, I would check the credit reports first, try to find out why the credit score is low, can we fix the credit score? How much credit score can we help to improve, and how long does it take to fix it? The different answers might affect borrower's decisions, and as a mortgage consultant, we need to let borrowers understand the options.

And also, I did not do the pre-approval for the loan for this purchase. If I did, I would try to ask the borrowers to improve the credit scores first. We found a few scenarios that the rate difference is huge if the credit score is low.

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Posted by Eric Fang on December 18th, 2018 1:58 PMLeave a Comment

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December 11th, 2018 10:59 PM
Yes, I ran another half marathon on Dec 8th. The finish time was 1:36:40. Not bad at all after the CIM race. I might be PR if I did not have the CIM. the first 9 miles pace was ok, around 7:10.

Finished a few Chinese books last week. Just  started Friend & Foe two days back. I read the English version first, then the Chinese version. It went pretty well. Already finished first two chapters.

Last Friday, I met the coach from Dale Carnegie Training. I contacted with them myself. I told them that I would try to improve my social skills, my interpersonal skills and communication skills. It is an 8 week training, but I can take it for free within a year if I want to. Hopefully I can benefit from the course. It starts Jan 8th, and I know the course is not cheap. But I think it is worth the money.

Locked a few Jumbo refinance loans recently with good rates. Shoot me an email if you are interested. The ARM rates could be as low as 3.625% with APR around 4.9%.

Also, I plan to send out a few books for: Friend & Foe: When to Cooperate, When to Compete, and How to Succeed at Both. Let me know if you are interested.

I know the stock market is down. I picked up some stocks recently. I might get more QQQ later on.

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Posted by Eric Fang on December 11th, 2018 10:59 PMLeave a Comment

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This past Thursday, thanks to uncertainty around the U.S. and China trade deal, fear of slowing global economic growth, a roughed-up Stock market and the likelihood of fewer Fed rate hikes, the Bond market and home loan rates hit their best levels in three months.

On Friday, the Labor Department reported that 155,000 jobs were created in November, a bit less than expectations of 189,000. The labor market remains incredibly strong and wages are rising at fastest pace in a decade.

Low rates coupled with a solid labor market and rising wages make for great home purchase conditions.

It appears the highest home loan rates for 2018 are behind us and with low inflation and low bond yields in Europe and Asia, our home loan rates should not go too high for the foreseeable future. That is great news as we head into 2019.     

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Posted by Eric Fang on December 7th, 2018 12:06 PMLeave a Comment

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