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A Yale Story about the investment
December 5th, 2017 10:04 PM by Eric Fang
Here is the story told by Robert Shiller:
Joe McNay, I think he was a Yale graduate.
The class of 1954 was celebrating the 25th anniversary of
their graduation, that would be in 1979.
And somebody said, this guy, Joe McNay is a great investor.
Why don't we, as a class, give money to Joe McNay, and just ask
him to invest it for 25 years, and turn it over to Yale University as our gift.
But we don't turn it over now, because apparently they thought that
the Yale portfolio was not managed well at all.
And so this is before David Swenson became the head of the Yale portfolio.
So Yale was investing in government bonds and safe things like that.
They couldn't stomach the variation that you see in investments.
But Joe McNay was just this creative guy.
And they said hey, you know, this is just our celebration for our 25th anniversary.
We don't care about this 370,000.
We want you to invest it for maximum returns, and you can take chances.
We're in the mood.
Hey we're all having our beers together 25 years later.
It's It isn't often that investors will tell that to an investment manager.
So, right?
You don't say, if you lose all of it, well, okay.
We don't care.
But we think you can do it so please try.
So, Joe McNay invested it in Walmart Home Depot and some Internet stocks.
So, he took Walmart, it's like an Apple corporation, really volatile.
He thought, well they've told me I could do this.
And so he gave to Yale University $90 million, quite a success.
And here is the Bio of this guy,
Joseph McNay
Posted in:
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Posted by Eric Fang on December 5th, 2017 10:04 PM
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Refinance is only a small part of the financial planning
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Do not panic. This is the opportunity
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I am not a good tarder
Fiduciary Duty
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Try not to trade any stocks or funds in the next two months
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The trading cost
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November 2019
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10-14 Days closing
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Planning for the future
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Stock Market is down, a good day or bad day?
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The rate might stay at this level for sometime
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Weekly updates(Jan 14, 2018)
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Happy New Year
December 2017
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The Interest Rate retreated back a little bit.
Tax Reform Bills
Rate went up higher (12/19/2017)
Recession in 2020?
Unfreeze consumer Credits
Fed increased rate by 0.25%
Classes and Books
Refi business is getting better
A Yale Story about the investment
First Day for Financial Markets Class
Completed another Marathon this Sunday
Another Marathon
November 2017
Should we wait for "better" rates?
New Conforming Loan Limit for 2018
Stock Market is Crazy
Happy Holidays -- Nov 25, 2017
Why lots of quitters?
"On the Road" and "Walden".
Finished another race
More Business for the month of Nov
Tax reforms bills updates(Real Esate Related) -- Important
Give up one habbit and adopt another one
The undoing Project
Locked 30 Yr fixed 3.75% conforming loan today
Assets Depletion Program
Just completed New York Marathon
Fed Decsions for Nov
Tapering week again.
October 2017
More RE news
Another Productive day
Rate eased a little bit.
More loans with Niche Market
Rate is even higher
Peak-end Rule
Rate Kept going up
Interest rate higher today
The power of moments
Priming
On the right trend.
Nudge
Shoud I stick to my plan
Why the borrower chose higher rates from me?
Keep Trying(Oct 6th, 2017)
Planning for the job changes
I am Malala
We can have a little bit logic sense
September 2017
Different Way of RE Investment?
Long Term Planning
Summer is Over(2017)
Sep 7 was the recent low
Rate lowers again
some rates are slightly better
Some rates are lower
August 2017
RE Data updates
Buyer Move in Before Closing
The rate trend and the company PG(Procter and Gamble)
Mortgage Rate Trends
Some Rental ARM rates
Retained the Mortgages or not?
Martket might be crazy again
July 2017
Just be petient
Lots of good programs for the refi/purchase loans
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The difference between professionals and Amateurs
Mortgage Training and the industry updates
Rate about 0.125% better
Just Registered one more Marathon
Life back to Normal
Shortage of housing inventory
Actually rate updates after almost one month
June 2017
ARM Rate up a little bit
Special Promotion for Rental Jumbo/High Balance Loan
How to be successful?
May 2017
ARM rate still popular
Did I get it right?
Will Disney's Iger retire soon?
Do we pick our clients?
3x(5/1ARM w extra payments) the same as 15 yr fixed 2.875%?
147 minutes vs 139 minutes -- is your red face worth it?
Diversification For Stress Management
Warren Buffett's "The Bet"
Busy = out of control?
If you had a do-over, what would you do differently to prepare for retirement?
Focus
April 2017
Difference between dream and goal.
Investment professional
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The rate is even better today
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It might be easier with a story
Some builders' rates are high
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March 2017
Wow. That's not good.
Rate a little bit better today(March 22, 2017)
Business is picking up
Special ARM program
The rate went up again
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It has been a good year
Should Apple buy Fannie Mae and Freddie Mac? An Snapchat's market CAP
Registered another Marathon(New York City)
ARM Interest Rate went up today.
February 2017
Extremely Busy the last a few days
Seems like the market is still hot.
We do not match the rate
BOFA stock will go up?
8 Weeks away from Boston Marathon
Why wait till the last minute?
The best Rate locking strategy and The best investment
Interest Rate inched higher -- Feb 14, 2017
Is Reading good?
Tried Yoga Today
Is this the sunk cost?
Today's hot products is 5/1 ARM 2.875%
Rate and Market updates
Some Niche Markets -- Please read
January 2017
Some thoughts after Marathon Trainings
RE Market Trend
The interest rate will be stuck in the current trading range
You got questions, I have Answers(Jan 19, 2017)
The current Real Estate Market(Week of Jan 9, 2017)
Race week and Happy 50th Birthday myself.
Master Card
Why we need more loan documents now?
In ARMs We Trust
December 2016
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Happy Holidays -- 2016
Rate stablizes
Recent Transactions
Let's try 10/1 ARM
How to manage your marriage and/or stock portfolio
Interest rate will go ...?
Finish another Marathon this weekend.
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Number talks
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Small BIG changes?
Interest rate went up a little bit(Sep 13th, 2016)
Future Rates Prediction?
Summer is over(Sep 2016)
Good thing when you get all the business?
August 2016
The rate is "still" within the trading range.
The (working) harder the better?
A little bit rate changes
The rate at the same level of Friday
It's a beautiful day.
Life back to Normal, Will update the rate Monday
July 2016
One more Marathon finished
3 Marathons within 80 days, and the interest rates
Too many things need to catch up
June 2016
The Jumbo Interest rate went up
Sorry. Took a long vacation out.
May 2016
Latest News about the interest rates
What's the trend of the rates?
4 Reasons to Refinance
Foreign Properties
Life is good, Yeah.
Not sure about any lower rates, but everything is possible
Will Power Training
April 2016
Anything new for the weekend?
Rate a little bit high week of April 18th.
What's LETS?
Rate might be a little bit lower
Can not believe it.
One good rate today is 15 yr fixed for 2.75%
March 2016
The rate is getting better(March 29Th, 2016)
Rewards of Repetition
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Why we need to listen to others first?
Should I try this niche market?
One failed purchase transaction
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Finished Napa Marathon Sunday March 6th.
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right and wrong way of thinking
Never too late for the learning
Enjoy little moment of happiness
Why would I do that?
Is it the payment the same?Maybe not.
Very tricky for some rates
Rate was supposed to be lower.
Interest Rates lower again -- Feb 2nd 2016
January 2016
Lower 15 Yr fixed Rates?
Rate is only slightly better
What is my goal?
Another good year or bad year?
Hot loan programs
Consistent Long Term Plan/Goal
Jan 5. Rate slightly lower
Lower Interest Rates for the new Year?
December 2015
Smarter for the Year 2016?
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Business Growth for the old days, and I will use the same strategy again
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Rate trends for the next a few months -- ZT
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5 Good Reasons to Fire Bad Clients --ZT
Job numbers are good.
Rate trend updates, and the internets
We might not see low low ARM rates this year.
October 2015
Same lender same rate?
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Purchase Applications set for Healthy 2016; Refinance outlook Bleak --ZT
My Homework
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Refinance: Another Way of Investment
Jumbo Rate went up starting Friday
Finally we have 2.75% again for High Balance 5/1 ARM
September 2015
The stock market is boring
10/1 ARM 3.25% for High Balance and Jumbo
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RE Market cooling down
Perfect Mile
The rate continued to get better
Fed rate unchanged, mortgage rate around 0.125% lower than yesterday
Market is awaiting Fed's decision.
Rate updates -- Sep 15th, 2015
The EXtra Mile
7/1 ARM rate for Rentals
Rate stay on the trading Range
Bi-weekly options
Another loan scenario. You may benefit from this case
Interest Rate inched a little bit higher
August 2015
Another good sign for us economy (or at least for the builder)?
QE4?
It's a small world.
Another bloody day for the stock market
The rate updates, and the stock market
Builder stocks and Jumbo Investment Rates
Real Estate Market and the Rate Trend?
Higher Rate or Lower Rate, which one will you choose?
the job market, housing sector and economy overall are improving - ZT
The New Normal
July 2015
Good to Great
Fed says economy improving; September rate hike in view
One More Marathon finished over the weekend.
Is the lower rate the better?
Unlimited Vacation?
Pro Interest Rate or Smooth Transaction?
Rate is on the reverse trend
June 2015
Rate is a little bit better today. June 29th
Human makes Human Mistakes
Yes, the rate sheet is correct
How to setup goals?
Interest rate is a little bit better
Fed will increase the interest rates more "slowly".
WA, PA loans and the investment
Easy Excuses
Rate went up again?
Rate is higher and High Tech Companies are Bond Holders
IMF "suggested" fed reserves to hike the rates in 2016
Yes, the Jumbo rate is better than High Balance
Please Read this blog if you are in Contra Costa County
May 2015
Herd mentality
Facebook Friends
Rate Trend -- May 15
Technologies, interest rates, etc.
April Job Report is good.
Rate kept going up.
April 2015
Rate went up again. Just wait Fed Statement Wednesday
Mobile Office and Early Payoff?
Ready for a morning Run?
Google's Wireless Device
7/1 ARM Jumbo Rate at lowest Level
More Interests on the mortgage or ARM
Top Loan Originators
10/1 ARM rate is good.
The rate is lower again(April 14th)
7/1 ARM 2.75% to 2.875% rate
ARM rate will be better Monday
The interest rate went slightly up
March 2015
Back from My vacation
The interest rate went up again Thursday March 26th
Interest rate gets a littlle better
HB or Jumbo 5/1 ARM 2.75% with LTV<=70%
Mortgage updates
Had a good Half Marathon this Weekend.
Short Term goals and Long Term Goals
February 2015
Locked a few loans today before the rate hike
Lower Interest Rates in 2015?
New investment ideas?
Happy Chinese New Year
Some mistakes yesterday
Back & Recovery.
Did not update the rate sheet Monday
How to do the business smartly
January 2015
The Rate stayed low, and stock market bearish too.
The stock market is ugly?
The mortgage rate not changed much
Be careful with those crooks.
The interest rate higher
The rate was surprisingly higher today
Lower Interest Rates
Interest Rate a little bit higher today
Why I promote 10 Yr fixed Rental
ARM rate does not change. And will not go lower
My 2015 Book List
Heading for the exciting new year of 2015
December 2014
Relaxed Weeks
PA, WA licenses
NKE
Stock Market Seesawing for a few days and with a big jump today
Very good High Balance/Jumbo Rates programs(Even Cash-out)
30 Yr fixed High Balance rate is 3.75%
My High Banance Rate and Jumbo Rate is much better
Well, the stock market is down again
Interest rate a little bit lower
3% down payment loan is available
November 2014
I just published my newsletter
RE Professionals, The Interest Rates and Other Investment
Have a nice Thanksgiving
Rate unchanged
Freddie Mac: Housing Market Will Improve In 2015
5 Ways to Spend Your Lunch Hour -- ZT
Is not a trend for multi-family?
Why he does the refinance all the time?
More Blogs During Tapering time?
Good rates on the market?
Recent Economic News
The rate update -- again
Updated economy news
Rate stays at the similar level.
October 2014
3 Steps becoms an expert
The rate went up a little bit, what should we do?
The rate went up again. I still have very good 7/1ARM rental refi rates
Rate Updates
Your got Questions, I have answers(Oct 13, 2014)
October a Treat for Bonds and Rates
Cash-out primary home loan when you have more than 4 financed properties
Another PR for the weekend half marathon Race
September Review
September 2014
Yellen Warning on Unsettled Rate Timetable Ignored by Investors
Practice makes perfect
Interest to read old blogs
Alan Greenspan's Nine Reasons "Why The Economy Stinks"
The one thing.
A Shoebox of Money story
Jumbo 30 Yr fixed Updates
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August 2014
Sorry, I did not update the rate sheet for 3 days
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BOFA
First WA loan will be closed in next week.
Will we see a market correction soon?
New FICO Credit score models
HELOC Lending
Rate is a little bit higher again
Sometimes numbers are useless
Less is more?
July 2014
How can we tell the the rate trends?
Please help support Amy's first Charity Marathon
Got my SF Half Marathon Certificate
Buyers with short sale history
Changes on my website
Low 3/1 ARM rate
I am working on my website now
5/1 ARM HB & Jumbo rate is 2.75% today
Do you like to be a "Good Friend"?
Disputes on Credit Reports
World Cup was finally over
7/1 ARM 3.125%
Keep trying
June 2014
Half of 1 Year passed for 2014
Internship for College students(In Los Angeles Area)
Auto Sales
Stay on the course.
1/2 + 1/2 = 1? or 30 + 30 = 60?
Correlation & Adaption
Interest Rates went up
Interest Rate slightly going up
Rate Trends and My Half/Full Marathon training
May 2014
Social Network makes the loan closing easier
Follow the plans
RE News updates
Some good rates today
Please don't forget to register to Vote. Deadline is May 19th, 2014
10 Yr fixed 2.875%
Why we need god planning?
Rate is slightly better.
April 2014
Sany Sends his love to Jamie?
Successful factors.
Starting quotes for WA loans
Professional Services
Patterns Persist
Got PA license today
Super pre-approval
There is no short cut.
This is my loan, and also yours
Mortgage & Real Estate Market Updates
Marriage Certificate
Planning early is a good habit
Most rates went up today
ARM rate still ok. Fixed Rate up
March 2014
My Worst Stock Trades in 2013
One loan approved with shortsale history
We can cash-out even though you have 4 financed properties
Child can refi/Purchase properties for Parents as Primary
SCA 5, Votes and the Mortgage Rates, etc
Opportunity Cost
Challenge myself again, but...
February 2014
JPMorgan Slashes Mortgage Products Along with Jobs
This is a mental game.
Try your best to stop SCA-5
Plan execution
Happy Valentines Day
How to execution your plan?
We Could not PR every race.
Out of States loans
Property Value Trend
Too early for the planning?
Have a peaceful mind
Can not believe it's Feburary
January 2014
Some ARM rates are not bad
The rate went up slightly
How do we read the news?
Is this the beginning of a trend?
2013 Investment Part 2 -- Readings
Not always having a good hands
Been there, done that.
How we started the year.
7/1 ARM(Loan <=417k) rate up for the last a few days
Biggest Banks on Different Paths When It Comes to Mortgages -- ZT(Long)
15 Yr fixed Rental Refi is on the Rise
Customers are Easily satisfied
Life is good.
The Rate went up. And Happy Birthday, Eric
December 2013
My Investment for the Year 2013 -- Part 1 -- Running
Save the last paystub
G-fee increase next Year.
My Understanding of QE Tapering.
lender's pre-approval
How to get a good realtor?
Jumbo Rental, Interest Rate and garage conversion without permit
Finished my 1st Marathon Sunday Dec 8th.
The interest rate went up again on the news of tapering(again)
The rate went up a little bit today after the holiday
November 2013
Qualified Mortgage(QM) Rule
Better with even a little bit progress
Interest Rate went up slightly yesterday
Holiday Reading
20% down Rental Loan
Recorded Radio Shows?
Naked Run today
We don't want to be just "nice"
Learn from The mentors
New York Marathon Today
October 2013
The rate is a little bit higher
Finished 18 mile run today.
Rate still stay at the same level
No major news today
The rate continued the lower trend
Rate is lower
We are not on the wrong direction
5 Things Super Successful People Do Before 8 AM
Are the rate 4.5% and rate 4.5% the same?
Sorry, I forgot your name.
Am I serious runner?
Rogers told investors to be cautious in the next 2-3 years
I made John a day
Old dog learnt new tricks
The Rate Trend Explanation because of the shutdown
Never Give up.
Listen to your body and yourself
September 2013
Better plan earlier
The rate was a little bit lower
The rate is on the down trend of getting better
The Rate Trend after Wednesday's FOMC Meetings
Mortgage Rate should go lower as a new trend
What will we expect the rate?
Is gossip good?
Random thoughts about the mortgage rates and the industry
What we should do when business is slow
Life with higher interest rates
Time Flies
We all have unlimited potentials
August 2013
Lender Loosened Underwriting Standards too quickly?
Rate, Stock Market, etc.
Industry News Updates -- August 22,2013
Back from the Vacation(A wonderful one).
The interest rate is up again
The Interest Rate went up again Tuesday Aug 13th
What's teh interest rate level for the past a few years?
August 3rd Weekend Review
July 2013
Harp LTV is up to 150% now
RE Market updates
Engraving Method
Gold Price will go up if
Fixed rate better. ARM rate stay the same
Rate a little bit lower.
What you should do for a smooth mortgage transaction
Getting Down to the Basics
What kind of service we expect and deserve
Interest rate was higher again
Free Insurance Reviews
Have a spectacular & fun 4th of July!
Monthly Review of June 2013
June 2013
30 Minutes longer enough, 3000 hours too short
The rate continue improving
Finally there is a sign the rate could be better
Stay Calm
The interest rate goes higher again
What Dogs Saw
Interest Rate went up too much and too fast
The Cheaper The better?
Fed Meeting This week
An email from a friend.
Basic Info about Insurance
Why I would start my insurance business(Part I)?
Is Free Service the Trend?
Bunch of good news and some bad news
CNET founder Halsey Minor files for bankruptcy
Will the rate goes lower from here
Why I don't invest on Commercial RE now
May 2013
Why the interest rate went up so high?
The more the better?
QE tapering or not?
Sharpen The Saw(s)
Bonds selloff holds
Using Templates
Work Ethics
Ordered 4 more books
May is a friend visting month.
Condo 15 Yr Rates a little bit lower
The Grass is always greener on the other side
How can we do better ?
"Dumbest" Mistake #5: Doing $10.00 an Hour
April 2013
Why lenders are all "bad"?
Money is not everything
Good Agents are always wanted.
Let's do the Math.
Interesting Market
ARM Rental Rate getting better
Another record high day
The rate hit the short term buttom
Goodbay, Sausalito
You got questions, I have Answers (Rental Refi)
Rate did not break the support level yet
The Top Priorities
March 2013
Real Estate Market in The Bayarea and Sacramento
Weekly Review(March 24)
The rate is slightly better
Haruki Murakam
ARM Lower, fixed higher
It is a dull market
Rate trend and updates
A productive weekend
Long term investment
The rate was higher on job data
Rate Trend after Sequester
February 2013
Stock Market and Mortgage Rates
The rate is getting a little bit better today
How to design your own investment?
Weekly Review(Feb 18th).
Following Mr. Buffett
Mortgage Rates this week
What is a good agent?
HARP III
The rate is finally back a little bit.
Bonds, Stock needs a direction
The stock is lower as expected
Super Bowl Day
Take two steps forward and one step back
January 2013
The interest rate went higher again
Weekend review(Jan 27th)
Shortsale Owners can get loans now
Wake up Call, will the rate go up?
Closing Cost Rental Refis and Rate Trend
Weekend Review(Jan 12)
Follow the trend and listen to your heart(body)
Happy Birthday, Elvis.
First Week of 2013
Why Warren Buffett Does Not investment in Facebook
The rate is higher these two days
2013 Resolutions
December 2012
My Investment for the Year 2012 -- Part 4 -- Stocks
My Investment for the Year 2012 -- Part 3 -- Reading
My Investment for the Year 2012 -- Part 2 -- Business
My Investment for the Year 2012 -- Part 1 -- Running
Push for Cheaper Credit Hits Wall -- from wsj.com
Best Investment
What do we learn from Experts
Are you ready for Christmas Rally?
Running Log
30 Yr fixed higher, 15 yr fixed rate stay low
Fed to Keep Rates Low as Long as Unemployment Rate above 6.5%
The interest rate still in the trading range
The investment mistakes we made
How we are doing
Property Flipping Waiver Extension
I have 3.375% 30 yr fixed for high balance loans for anyone today
Rates Will Rise Someday, So How Do You Get Ready?
Congratulations, Rob.
Rain or Shine, Run.
November 2012
How to apply a loan when identy theft happens
Heading to the Month of December
My Rates & Market Rates
Black Friday Sale.
Rate might be getting better after Thanksgiving
Nothing can stop us., we raced in the rain today
You Got Questions, I have Answers(Nov 15, 2012)
Other's Opinion about the rates
Happy Veteran's Day
Proposition 30 and More
Don't be panic
Zappos Experience
NYC Marathon Cancelled
Read this Blog if you are Yangzhou High School Alumni or From Yangzhou
October 2012
Bond market will be closed because of "Sandy"
The Energy Bus
When bad news is not bad
Some Lenders are asking Waiting Period of 240 days
QE3, Stock Market, Rate
One thing at a time
When Bad News is not Bad News
History Repeats
Find your focus, Master Distraction and Get the Right Things Done.
Some Interesting Road Signs
Are we lost?
The rate trend & updates
Going back to something is harder than you think
Build Up your own Confidence Level.
The Terrific Race Today
Tapering Week
Please read if you have Schwab HELOC before
September 2012
Don't attach to "It"
G-fees kicked in for some lenders
Lower Trading Coupon is available
G-fees will kick-in soon
Two Goddess in your heart
Performance Tuning
The Day is comming(ARM to fixed)
Follow the trend
The rate continues Lower
The possibility of 2.5% for 15 yr fixed(no closing cost)
Stay Competitive
I will accept loan applications for lower rates.
Fed QE3 will affect the interest rate --> Lower
Pareto's 80-20 Law
This is another kind of respect
What do we learn from the mentors?
Industry updates(Sep 4, 2012)
The Power of Small(improvement)
August 2012
Industry updates, Failed Loans, Rates, etc
what you see might not be real
Show us the numbers
Wealth of Knowledge
Price it right -- August 23, 2012
Simplicity of Life
Mortgage Rate Trends, industry updates
Time Management
You don't have to prove to anyone
Crisis of Confidence
Recent Mortgage Rates
Why Wells Fargo Exit the wholesale Market
Rate Trend and current 30 Yr fixed Rates
Where Are the Move-Up Home Buyers?
July 2012
Can I get my friend's rate? -- Question from a client.
Weekend Reviews(July 29th, 2012)
0.04 secs difference and 1 minute faster
Procrasination Problem
It's a beautiful day, is not it?
The crying wolf is coming.
My Promotion rates will be over soon.
It's not just a tax return.
The Little details can make a big difference
The days are coming
June 2012
Quarterly Review(Q2 2012)
Another Strategy for Purchase Contract
Self-improvement
Timing
No Refi is another Option.
Happy Father's Day
PUD Properties
Positive attitude or negative attitude
This is just an option
Diluted Priorities
How to communicate with me
2% of 30 Yr fixed Rate?
May 2012
You got questions, I have Answers-- Multiple Loans
The rate is lower again
Rock, Pebbles and Sand (Part II)
Rock, Pebbles and Sand (Part I)
What's my goal?
Process makes the difference
It's a good Strategy, Indeed
HARP III updates
Jamie, You let me down!!!
Stay Focus
The Power of Habit
You Got Questions, I have Anserws(Refi at Lower Rates)
You Got Questions, I Have Answers(Cash-offer)
Prediction?
April 2012
Titles for the Mortgage Professionals
HARP Updates -- More Appraisal Waivers after April 29th
Two Stories about investment
Interest Mortgage/REO Data Analysis
Be Patient. No worry about the Value.
HARP 3.0: Non GSE Loans? -- ZTEd
I helped my client make up his mind
Try something new with HARP
A little bit better credit score can help the rates
HELOC will affect your Refi too
What's your best Interest?
No Need to Maximize the Return
More News about the Mortgage
Refinance for those who has recent foreclosure
Quarterly Review
March 2012
Own it or rent it.
Just completed March 2012 Newsletter
Let's jump-start
It is crazy. Is not it?
Crying Wolf again?
HARP II Fannie Mae Updates(March 19th)
HARP II Updates
Interest Rates broke out the resistence level.
Fredie Mac HARPII Updates & ARM Rates lower
Wow. 20 Yr fixed Rate below 3.5% now
Some interesting Guideline Changes from the lender
15 Yr fixed Rate & 10 Yr fixed Rates still good.
Stay Focused
HARP Updates -- Unlimited LTV
Dots got connected.
Ebrace the changes, change for the better
February 2012
Farewell, Citimortgage(Citibank)
Another HARP II Loan. You will be amazed by the rate
My Recent Failed Loans
What a Day(of Closing)
Is not it Good or Bad?
Weekend Updates
The interest rate went up.
Smarter on Mortgages: B of A or Wells? --ZTed
Dilemma as a Loan Agent
Interesting for the rate trend
Long Term Goal
Different Clients for Different Agents
10 Yr fixed 3% for loan amount 265k.
A Good Start. Just Keep Doing It.
The end of ARM Era
CITI Exit the wholesale market
HARP II Loans are closing
January 2012
Lower 15 yr fixed rate possible.
Disppointed stock market changes the loan needs
Why ARM trend is differnt from Fixed Rates?
Special promotion: 15 Yr fixed rate 3.0% with no closing cost
In the name of the clients
Learn from the expert
Q &A about G-fees and How this affect your interest rates.
More News for the Industry
WFC or BAC
Help those really needed
10/1 ARM 3.375% & HARP II updates
Got a call from the lender Friday
some lenders will start increase the interest rate by 0.125%
Interest Rate after the New Year
Some thoughts about the rates for the new year
Happy New Year and My New Year Resolution
December 2011
Rumors with the higher interests rates in 2012
Loans expected delayed
3.625% for 30 yr fixed is officially here
Mr. Bernanke Refinanced twice recently -- ZTed
No significant changes for the rates
Nothing new for the rates
1st lender reported 3.625% rate.
We need make the right decision.
3.0% target reached today(10 Yr fixed)
I have very good rental 5/1ARM loan
Some other kinds of RE investors
A Different Kind of Business Model
It's Official. One milestone Reached.
First HELOC loan after 4 Years
New Opinion about the interest Rates
November 2011
The fixed interest rate back to the best levels
Happy Black Friday
One shoe is dropping
Explanation of the loan limit
Think as the Professionals Do
Why do we have so many problems in the industry?
Detail of HARP 2.0
High Balance Loan Limit Unchanged. $625,500 for Bayarea
I don't have crystal balls
What other borrowers do for the refinance?
Other Industries needs agents too.
Strategy Changes
MBS Underperforming Treasuries This AM
A bill is moving through Congress to restore the GSE loan limit to $729,750
Some lenders have higher rate after high volume locks
October 2011
It's a traders' market
RE Investment Strategy
Summary of HARP 2.0
Netflix's lesson
Refinance America--Yeah
Senate Passes Measure to Restore Higher GSE Loan Limits
Higher perspective
Fed's policy about the rates
What is the best rate?
The rate is "better"
the Mortgage Bankers Association (MBA) released its outlook for the housing and mortgage markets in 2012
Interest Rate is on the down trend again
why the interest rate goes up?
How to manage the rentals?
What will we do if we had "minor inflation"?
Service Prevails
How Steve Jobs Influcenced Mortgage Technology
It is ok to wait the rate. But.
September 2011
Loan program Rotation
What's the difference between 4506 and 4506t form -- Knowledge Base.
That's the trading Market
The rate goes higher
Not Just a Rate
My September newsletter is available.
15 Yr fixed have lower Trading Coupons
Some basic strategy for the refinance
Yes. We made it.
You got questions, I have Answers(09/19/2011)
Don't know that we did not know
The "Notable" lender for Q2 of 2011
Loan Limits change after Oct 1st
A New Trend
Wait or Refi now
Loan Transactions for My clients.
History low rates?
Why we can not do some loans?
Why Not Lower Interest Rates Yet. -- Repost
ARM Lender
It's a busy week. And Happy Labor Day.
Rates a little bit higher. Ony 15 yr fixed worth Refi
August 2011
Different opinions about the rates
Weekend Review(August 27,2011)
Higher Rate did not tell the truth
Very Interesting
Another Refinance Stimulus?
The Rate heading higher
The rate went up a little bit today Monday August 22nd
If History Repeats Itself
Me 2 Strategy
Remind: Higher Balance Loan needs to be registered next week
Why some rates are not lower?
The History low rates
I did not blog that much recently
Digital signature for purchase contract
15 Yr fixed will hit the bottom soon?
Now or the future
Mortgage Rates -- Letter to My Clients
Two Reasons for the rate going up
20 Yr fixed best rates 3.75%.
Market is volatile
Rate today
Interest Rate trend
Rates & Rates
It's bloody on the Wallstreet
Be careful with the rate locks
Rate trend and loan application practice
Money Flows
The rate was lower as expected
July 2011
It's none Debt Ceiling's Business
The stock market is down
Two Asset Accounts may be the right way
Which one is better, cash-offer or with loans
Borders Closing
Value Problems and the Rates
Market Today.
Tuesday with Morrie
The rate is very volatile today
How I picked my Tenants
When do we referral?
Any Hope for Extending the GSE Loan Limits?
Introducing 10/1 ARM Conforming
Be Different In the Market
Time for Silver?
July 13th Rate
No Waiting Periods for cash-out loans now
Strong Resistance at current level.
Fixed Rate better. No PMI with LTV over 80%.
What do we learn from Ric Delman?
Why the rate is not getting better today?
Follow the market trend
June 2011
What should we do when the rate is up
Why Loans Failed Sometimes
Low Appraisal value, good or bad?
I would recommend to lock the rate at the current level
Why ARM rates not going lower?
One small victory for the complaints against the appraiser
Rate not down as expected
Rate is still range trading
Purchase Loans
Rental Rates will be available starting Monday
The Rate, and boring Rate
Good sign for the rates today
You Got Questions, I have Answers(June 14th)
The rate went up today on the retail news
Changes, Not just the Mortgage Industry
Life is a seesaw, balance it.
ARM higher, Fixed lower
What do we learn from Kun-Fu Panda?
ARM Rate is up
May 2011
Good Agents are always needed -- Realtor
Lender is busy too
Jumbo Rate Updates(Loan up to 2 million)
My Jumbo Rate Explanation
The power of small
You Got Questions, I have answers(May 18,2011)
Stock will go lower.
Weekend Review(May 15, 2011)
Rate Trend
What do we learn from Cisco News?
Impounds with Provident Funding
Investors will be more interested in Fixed Rate Programs
Thanks for the referals
The rate might go down too much for the next a few ...
A little bit clarification about the rate
ARM will hit bottom. Fixed lower
Glad to see the rates stable. ARM lower
April 2011
Can I have better rate? -- Email from a Prospect
What the Dog Saw
30 Yr fixed may go as lower as 4.375%
Impound account
Where will ARM rates go?
cash-out loan refi
Mortgage Weekend Reviews(April 24,2011)
Assets Statement to the Lender.
Lower ARM rates or lower fixed rates?
The rate drop may puase a little bit
ARM Rate lower. 2.625% for Impound or LTV <=60%
Weekend Review(April 17th, 2011).
Never Eat Alone
Stop Loss in Invsetment
Mortgage Rate a little bit following stock sell-off
Weekly Mortgage Summary
How do we check the rate(roughly) from yahoo?
Government Shutdown Could Lead to Lower Mortgage Rates -- ZT
The Rate Prediction for the past 3 months and future rates
Refi or Not Refi, that's a question.
March 2011
Assets Issue
Upcoming Changes
Weekend Summary
The mortgage rate & house price
Interest Floating Down Ploicy -- Explanation again
Which Investment is more Important
The mortgage rate is waiting for direction
The rate trend(week of March 20th)
The most akward thing for a loan Originator
The rate may rebound a little bit
Not that hurry for a refi
The rate may hit the resistence level
Bill Gross's position on long term Treasury Bonds
How the other Investors Do?
Investment is Simple
Provident Funding(Lender) changes for better.
Weekend Mortgage Report
How much rate lower can 1 points buyer?-- Knowledge Base
Your Got Questions. I have Answers. -- 5/1ARM
You Got Questions, I have Answers -- 4506t, Tax Returns & K1 Schedule
February 2011
The rate stuck in the lower range
Teamwork(Assembley line) or not?
An Email from Prospects -- Rate difference for condo
The rate is going short term lowest
Happy Presidents Day!!
Mortgage Activity for the past Week
Too Big To Fail?
The rate back up again
The rate overall better while the stock market is up
Once a cash-out, always a cash-out?
Why I don't sell houses. -- Will be completed later today
Purchase Loan closed this week
Expert's Opinion about the rates
You got questions, I have answers -- 30 yr fixed switch to 15 yr fixed
Why I don't worry about too much about the rates
Business Courtesy
Tax Return, More Than 5 properties, & The rates
Why we should work with experts
Are professionals supposed to be smarter?
The Rate is going up today
You got your questions, I have Answers -- How soon can I get a loan after foreclosure
Good Time to Purchase?
Hard got paidoff
January 2011
Price it Right
Meatball Sundae
mortgage industry welcome the corrections like today
One person's loss, another's gain
Let's hope for Feburary
15 Yr fixed is the "enemy" of your RE Investment Goal
You got questions, I have Answers -- 5 to 10 Financed Properties
More Industry Changes Starting This Week
HOA with (minor) litigation is OK now
I just published the Jan Newsletter
A day I can not forget -- Anniversary as a fulltime mortgage broker
We will work as a team.
The rate went up later today
What's F.O.R.E?
The rate is getting a little bit better
Letter to One Client -- Cash-out on Rentals
Sharpen The Saw
Focus on the big picture
The Rate is at the "comfortable" zone.
ARM Calculation Expalanation.
The retail number & The Job Report
How much Insurance Do you Need?
Thank you guys for all the trust
I have very good 10/1ARM
Observation after the New Year
December 2010
Message to Home Buyers
The Mortgage Rate Updates
Why Rates are Different for REOs
You Got Questions, I have Answers -- Loan Docs To Keep
The rate Trend for the coming year
The rate is getting better today
Recent reports on T-Bonds
Some encouraging sign of the bond market
The professionals can make it Difference.
Revews My Posts after Black Wednesday of 2009
Your Got Questions, I have answers -- Rate Trend
Stratigies when the rate is higher -- Answers to the blog comments
Be the Expert in the industry.
Fed QEII efforts. Does it work?
Fed Started the QEII purchasing
The higher the rates, the bigger the rate drops(in the future)
Changing jobs or Travel while refinancing
What the current market tells us
The rate is at the short term top now.
The rate broke the support level
The begnning of a trend of lower rates
Mr Ben on CBS 60 minutes
How to work with me for the loans
A little bit thoughts about the market
Don't panic. Be patient.
Right Products for Right Persons
November 2010
Rental Agreement
The rate is moving to the writing direction
The trend is our friend
Some Strategies for Purchase & Purchase Loans
You got questions, I have answers(Nov 19th) -- Credit Scores
Refinance of small loans
You can make the difference
The interest rate is at short term peak now.
The damange of today's bond selloff
It's crazy. Is not it?The rate is up again
My Loan Origination Style
The rate inched higher again. Will go lower next week.
The rate inched up a little bit after QEII
Loans for More Than 4 financed properties
Amtrust Loan Issues
rate a little bit higher today
You got questions, I have answers(Nov 4th) -- rate trend
You got questions, I have answers(Nov 4th) -- cash-out loan problem
It's the same story again.
Explanation of Fed 600B QEII
Another example of selling on news
Market is awaiting Fed QEII. 30 Yr high-balance with better rates
You Got Questions, I Have Answers(Nov 2, 2010)
Trick or Treat
October 2010
Right Strategy is more important
A smart way of doing business.
Bills Gross talks, the Market listens -- Why the rate goes up today?
Bills Gross talks, the Market listens
You should be happy when you did not get the lowest rate
Similar trend recently
Be Carefule with the Appraisal Values
I updated my rate trend analysis & Oct Newsletter
Survey -- For those who has 30 yr fixed loan
My rate Explanation
Think beyond the current market
You requested, We listened.
More about QE2
An easy way to check whether the rate is up or down
Don't fight with the Fed
Shoud we change service provider or not?
Rate still test the trade range. Normal bounce after hits low last week
The bond market closed today. So there is no rate sheet today.
Lender Turn Around times
Rate Rotation, Rate Correction & Rate Prediction
Sometimes ARM is better for Rentals
Market is betting on QE2
What's QE2? How does it affect Mortgage Rates
The mortgage rate expectation.
New Appraisal Issues
September 2010
Loan Limits of 729k extended for one more year
Sometimes we need courage to predict the rates
Have some special promotion for loans<=417k.
A Letter from UK -- How foreigned income will be used for loan qualification
729,750 Limit expected to extend for one more year.
Some Explanation about My Rates
Typical day for the rates at top/bottom pattern.
Refinance with the property in Trust
Your Got Questions, I have answes(Sep 20, 2010)--Rate Re-lock
My September newsletter was just published
How reported rental income affects the loan qualification?
DTI increased to 50% for most loans
Rate inched a little bit higher Wednesday and Today
I am on the floating boat now
The future Blog Articles
The Rate Trend
Two opinions about the mortgage rates
Remodelling House Refi is ok
You got questions, I have answers(Sep 7, 2010)
GSE loans' interest rate will be reduced to 4% automatically?
All Signs Point to Higher Rates in Week Ahead
You can not get a loan until the remodelling done
I like technologies.
How the withdraw troops from Iraq affect the mortgage rates?
August 2010
Communication with your broker or me
Back to the old days/ways
You got questions, I have answers(August 31,2010)
The rate went up a little bit today
You got questions, I have answers(August 26, 2010)
Complete Package Required By Lenders
My August Newletter and Rate Trend Analysis was just out.
Explanation about the ARM rate change on GFE.
Bonds rally, but not MBS
2nd Loan vs rental
The interest rate is a little bit higher today
why we recommend to lock the rates?
A few true stories about refi
Bond market & stock diverge
HELOC with your rental property
Deflation or inflation?
WSJ: Fed Considering Resumption of MBS Purchase Program
It's all about Rates and Jobs -- ZT
July 2010
Finannly I can focus on the loans again.
What we should do if the rate is lower
Rate Re-lock & Floating Down
Today's bond auction
Congress Set to Extend GSE Loan Limits at $729K
My July Newsletter was out
You got questions, I have answers(July 24, 2010)
Passed the National Mortgage Test
Rate a little bit higher today. Still at the lowest level
Sorry for not being able to updates the rates recently
How do we "love" those appraisers?
How to "Create" Refinance Opportunities
The rate trends
Please close the loan first
June 2010
Why we can not get better rates even Bond rallying?
Loan Process Updates -- For My clients
How to lock a purchase loan?
some lenders increase the rate this afternoon
The rate is lower. Please lock longer term.
Special Promotions for Rental
You got questions, I have Answers(June 20th, 2010)
Most of CA First-Time Credit Claimed
You got questions, I have answers(June 16th)
Short Term Rate Trend(June 15th)
You Got Questions, I have Answers(June 12th, 2010)
What are the "hot" loan programs?
It's the closing time
May 2010
You Got questions, I have the answers(May 29, 2010)
Good people is always wanted
Why the ARM rate not going lower recently.
My Opinion of the ARM Rates
Very interesting for the interest rate
The current Loan Process
The value of A Loan Agent
Why I did not price aggressive on some of my rates?
Rate lock and basic commitment
Weekend Review(May14th)
The rate is at the lowest level of this year
Weekend Review(May 2 - May 8)
Recommended to lock the rate now
6 month ownership for new purchases for loans over 417k
The current interest Rate
The rate today
Fannie Tightens ARM Standards
April 2010
Weekend Review
Advantage of cash Offer for Rental Properties
Rate Trend and the Trading Range
Homebuyers Tax Credit(Fed $8000) Expires This Week!
My April Newsletter is out
We know it is coming
How is my service?
You may consider to postpone your loan closing to May
Weekly Review(April 9th, 2009)
How $0 balance HELOC affect your purchase or Refinance?
The same old story again
MBS market without Fed
March 2010
what's the current rate trend?
You Got Questions, I have Answers -- Which Loan Program should I use
Float into next week
What should we do aftert yesterday's Rate Jump?
Rate First Big Jump day in the last three months
Back from Vacation, Will work on the news letter and Rate Trend Analysis
You Got Questions, I have Answers(V)
I will be away for a week. Please contact with me by email
What's the rate trend for the short term, long term?
You Got Questions, I have answers(IV)
Market is waiting for better 30 yr fixed rates
A HELOC story
Obama HRAP Refi extended for one more year
Economic News This Week
February 2010
Weekly Review(Feb 26)
Rate Lock Recommendation & why the rates are different for same program?
Interest Rate after Fed Rate "Hike" last Thursday
My Websites Updates
The new GFE process is getting better
Occupancy
You Got Questions, I have answers(IV)-- Closing Costs.
Valentine's day, Commitment & Rate Locks
Weekly Review
RESPA 2010 Updated
You got questions, I have answers(3) -- Why I think 10/1ARM Better
Today's rate
some recent changes for Rental Properties
RESPA 2010 -- To be Continuted
How the lender price their rates?
Non-recurring closing cost
January 2010
ARM rotation starts again
We can do Freddie Mac LTV 95% loans
what shall we do when the rate is high?
Lock the rate if you can
How "Landlord experience" affects your loan qualification?
15 yr fixed rate back to 4.25%; 30 yr fixed back to 4.875%.
Mortgage Rate a little bit better
Will we get the confirmation tomorrow?
Some other issue may affect your loan closing
The rate is only slightly better.
We will get 4.875% soon
How can we do better?
Good Agents are always needed
FOMC minutes Hints at MBS Purchase Program Extension.
Organization Changes and Industry Changes in 2010
The bottle is still half empty
First Rate Report in 2010
RESPA 2010 -- Starting Jan 1, 2010
December 2009
Be Patient
There is a will, there is a way
Happy Holidays
Reasonable Rates, Reasonal Expectation
We may see the rate reversal as early as tomorrow
What does 1 yr LIBOR index tell us?
To My Clients with TBW(Cenlar) loans.
Fannie Guideline Changes for Condos
Rate for this week and the Rumor
Why the lender's mortgage rates change even though the bond does not change?
Why the Rate Difference & How we should lock the rates.
Mortgage Industry Updates(12/12/2009)
The Collapse of Amtrust
Life is back to normal
You got questions, We have answers (2)
We don't have to be an "outlier"
November 2009
We are in anotherc around of rotation again.
It's so good to be home.
Happy Thanksgiving!
What's next?
Fraud Alert Check for Rental Properties
Short Term Mortgage Rate Trend
October 2009
Condo Rate explanations
In Fed, We Trust
Explanation for the "Prediction" of low ARM rates
ARM rate will go lower in Novernment
Freddie Mac Relief Refinance Open Access program(LTV<=125%)
Read this if you do refi for two or more properties at the same time
You got questions, we have answers
How to work with your agent effectively?
We are not just working on the loans
I should not say the rate will go up yesterday
We may see the trend reversal here
Strong resistance at the current rate level
Rate may go lower, so is the appraisal value
When mortgage is not just a mortgage
ARM Rate is much better
September 2009
The current mortgage rate
The spreads between 15 yr fixed and 30 yr fixed larger than expected
Where should the rate go?
Mortgage Mortket Weekly Updates
No refi is also an option
My Septemeber Newsletter was out
Assets Explanation For Purchase or Refi loans
No Waiting Period for Purchase after the close?
Escrow Account required for LTV >80% loans
Economic Calendar for the Week of September 07 - September 11
Summer is over
Have a Safe and Happy Labor Day Holiday--Read Story Inside
Rotation and Re-balance of Lenders' loan programs
August 2009
The Rate Lock is not Free.
The housing industry is about to fall off the cliff again -- For Your Entertainment
Why we change the rates a few times everyday?
There is a Berlin wall between 4.875% and 5%(30 Yr fixed)
Portability of Appraisals
Economy Events for the week of August 24th
Open Interest in Bonds push the rates lower
How to get the cash-out from the REO property you just purchased with cash?
My Monthly August News Letter Was Out
Cash-out Refi for the property just purchased
You can rate my service now
Post FOMC Meeting Statement
A good and saver investment?
Economic Events for the week of August 10th.
The review of HVCC -- 3 months after the implementation!
U.S. Citizen Working Abroad are Eligible for loans Now
HVCC, HERA, and New TIL Regulation -- ZT
We need to adjust our target
Is the lowest rate locked the best Rate?
GFE for purchase
One major lender TBW failed today.
Things to Know Before Buying a House
The bottle is half empty
July 2009
Regulation Z will start July 30th, It will affect your closing.
The Auction brings pressure on the mortgage rates
What should you do before purchasing a house?
YSPs Under Fire in New Fed Rule -- ZT
How Reg Z Disclosure will affect your closing Date?
Economic Events for the week of July 20th
July monthly newsletter was just out.
Stock Rally hurts rates, but we will see reversal
Economic Events for the Weeks of July 13th.
Special -- 5/1ARM 4.625- 4.875%(Loan amount around 500k to 600k)
It's a confirmed !
Detached Condo Pricing is better(LTV>75%)
The rate will be a little bit better starting Wednesday July 8th
Week of July 6th.
Rate Prediction for 2nd half of 2009.
Explanation of 3/1ARM Jumbo Program.
Some stories for the failed purchase loans
HAPR Refi LTV expended to 125%.
729k Loans 5.375%
June 2009
Changes urged to rules on condo loans--ZT
The (mortgage) market is trying to find new direction!
HVCC(Home Valuation Code of Conduct) Updates
Mortgage Industry Anxiously Awaiting Fed Statement
Mortgage Rates Waiting for FOMC
Obama wants to help more home owners to refi -- ZT
The rate is up again.
Why it's hard to get the "lowest" rate?
The next level is 5%
Common Mistakes for the First Time Home Buyers
We see the rate reversal sign from here
10 yr Bond resistent at 4%
The light at the end of the tunnel May brighten.
We Continue To Get Hammered
Friday is teh pivot day for the mortgage rates
Bond Market still volatile
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