Mortgage Blog

Though I ran slower than 2017, actually I ran better this year. I ranked 138 of the total 2181 runners of my age group.


The screen below wasfor 2017:


Posted by Eric Fang on November 8th, 2022 8:58 PM

I am doing a few loans for TX and FL now. And I talked to one client about the reason why he would like to purchase in FL(he sold his primary in CA). Here is his logics:

1)Though the current interest rate is high, he can still refinance lower in the next a few years. And he can negotiate a better deal(that's true, I have one client purchased a property with almost 10% price cut).

2)He can save the same money back from property tax, and income taxes.

3)FL is closer to his daughter in NYC. And also it is easier to fly to Europe in east coast

4)And they can get lot of equity from the sale of the current primary home.

What do you think? Actually we also plan to move there a few years later, if my daughter will not move back CA.

Posted by Eric Fang on October 20th, 2022 1:12 PM

The interest rate stays very high now. So I spent a lot of the time for the training. Just finished London Marathon about a week ago(Oct 2, 2022) with the finish time of 3:28:00. 

Posted by Eric Fang on October 11th, 2022 8:54 PM

The limit was increased another 68k. 

Posted by Eric Fang on September 7th, 2022 9:18 AM

Not much changes for the interest rates. So I will still focus on the marathon training. I decided to run Jungfrau marathon in Switzerland(Sep 2023) and Athens Marathon Nov of 2023. I think I will give up the race for Berlin, which I deferred from this year to the next year.

Posted by Eric Fang on August 19th, 2022 10:11 AM

It was such a great achievement for me. This was the best race I have ever ran. I finished 4th of 112 of my age group of 55-59. A great achievement in a major marathon. I controlled my heart rate so well during the race, around 150 most of the time:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.007:507:507:2613614618419205114
2.1.007:377:377:2814314818919400116
3.1.007:407:406:111491581882207470120
4.1.007:357:356:4114615019019405114
5.1.007:567:566:2514415319020800115
6.1.007:197:196:3514915219120250111
7.1.008:158:156:421531561882042137130
8.1.007:367:367:091471531902004111108
9.1.007:317:316:541461501922087370102
10.1.007:147:146:271431481952142817078
11.1.007:157:156:151451491942081612187
12.1.008:338:336:5115115818524224016123
13.1.008:028:026:14145150192206514886
14.1.008:028:027:02146153190202936191
15.1.007:187:186:211451521932123421575
16.1.008:058:056:5715115819019813555110
17.1.007:397:396:4715415819420211530111
18.1.007:447:447:151531581922005130108
19.1.007:477:476:25151157194206166299
20.1.007:437:436:281541591912023712109
21.1.007:277:276:501521561962081712695
22.1.007:297:296:431531581942102215698
23.1.007:557:557:101531591912004759101
24.1.007:487:486:571561601931983621113
25.1.007:347:346:48157160195204022110
26.1.007:307:307:0215916419620400116
27.0.372:296:435:531641702052200041
Totals:26.373:23:097:425:541491701922421,3221,3352,781
Posted by Eric Fang on August 1st, 2022 3:32 PM

I will run it easy. Any finishing time below 3:30 is good enough.

Plan to run around 7:40 for the first 6 miles. 7th mile will be uphill, the pace will be around 8:20. Then 
pace back to around 7:40 until mile 11, pace around 9:00 for 1.5 miles uphill. Back to 7:20 to 7:40 until mile 15.

Will be around 8:30 until mile 18-19. Then run as fast I can. Hopefully I will not be that tired then.

Posted by Eric Fang on July 19th, 2022 10:40 AM

Please check out my progress here www.ericfang.com/PRtime.

I think I might have my PR at one of the marathons this year. Hopefully to run between 3:16 to 3:18.

Posted by Eric Fang on June 18th, 2022 1:54 PM

The stock market is down(a lot), and the interest rates are up too much and too fast. At least for the interest rate part, I never experienced such a big jump in the 6 months period of the time. And for the last a few hikes, the ARM rate is slow. But for our generation, no one experienced the inflation rate of over 8%.

So under this kind of market, the best thing for me to do is spending most of time to exercise. And I started running the fastest races starting this year. On April 3rd 2022, I ran Sactown 10 miler race with a finish time 1:09:53, the very first time with pace under 7:00. Then on May 15, 2022, I finished the Elk Grove half marathon with the finish time of 1:33:04(9 seconds faster than 5 years ago), and on 06/05/2022, I crushed another 1:22 with the finish time 1:31:42, the half marathon pace under 7 as well.

Here is the pace splits:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.007:097:094:551371571962141134107
2.1.006:576:576:221531561962041722114
3.1.007:017:016:45156159196204335117
4.1.007:017:016:35157160198210310117
5.1.006:506:506:311581611972062231114
6.1.006:516:516:34158160199204027114
7.1.006:556:556:481571601992021037113
8.1.006:516:516:08158162198210750113
9.1.006:526:526:00160164198206039116
10.1.006:536:536:42161163201206033116
11.1.007:187:186:44162165195202545125
12.1.006:576:576:191631661962043299118
13.1.006:556:556:3116617019920855119
14.0.171:046:196:201701722042100019
Totals:13.171:31:426:574:571571721972142103741,522
Posted by Eric Fang on June 18th, 2022 1:31 PM

First, here is the link for the article. https://www.npr.org/2022/05/12/1097979009/home-prices-could-fall-in-some-u-s-cities-heres-where-and-why

My summary is below:

1)For some areas, It is over-valued. Places like Boise, Idaho; Sherman-Denison, TX ;Muskegon, MI  etc. "Boise, Phoenix, Austin and Miami have been particularly hot "

2)There is no crash of the RE market yet for the following reasons

a)"One is supply — there's a shortage of homes available," we are about 4 million homes short of what the country needs
b)New federal rules have put an end to the reckless mortgage lending that led to the housing bubble 15 years ago
c)I added this one: inflation of the labor cost and the material cost.

Conclusion: We might not see a crash at this level. For some areas, the price will go down; and other areas, the price will not go up too much.

Posted by Eric Fang on May 13th, 2022 10:38 AM

Now I can help you for the properties purchase in WA and TX now. Other states will follow.

Posted by Eric Fang on May 8th, 2022 5:07 PM

Still running at a good pace after Tuesday's workout. The pace split today:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.009:199:191:2211713117418420832106
2.1.009:359:358:411211291761821212103
3.1.007:007:006:16141153194206516103
4.1.006:546:546:35155158196206226111
5.1.006:566:566:291571601972101023113
6.1.006:546:546:30157159195204116112
7.1.006:536:536:251601641972104138114
8.1.0011:1311:136:351301611621985578
9.1.009:239:237:481271341781860052
10.0.010:037:407:55130130186186000
Totals:9.011:14:158:141:22140164185210302121892


The pace for 3X1.5mile Tuesday:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.009:439:439:091161281761824039107
2.1.009:219:218:24120131178184101198
3.1.006:516:516:08146156198210010101
4.0.503:196:396:041571592022105053
5.0.505:5511:516:351251591542060054
6.1.006:486:486:121521571992121918104
7.0.503:216:426:1315816220121412653
8.0.506:0012:006:1912816115621210547
9.1.006:526:526:171501562012121011102
10.0.503:206:416:211551592012140052
11.0.506:2312:466:261221591502085540
12.1.0010:5010:509:14114127165180453973
13.0.010:027:449:23118118176176000
Totals:9.011:18:528:456:07134162181214144131884
Posted by Eric Fang on April 14th, 2022 10:55 AM

Completed a sactown 10 miler race with the pace of sub-7. Here are the splits:


 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.007:037:036:1914215419220655101
2.1.006:596:596:5115716019720805109
3.1.007:007:006:3915916219720656111
4.1.007:017:016:361621651962083018113
5.1.006:566:566:311641671982041716113
6.1.006:536:536:331651681972041111113
7.1.006:496:496:31167169198204023113
8.1.006:566:566:25168170196204230115
9.1.007:047:046:521681711972041822118
10.1.006:436:435:44171176201210018114
11.0.070:235:525:21177179216222007
Totals:10.071:09:556:565:211621791972221021121,127
Posted by Eric Fang on April 7th, 2022 11:24 AM

Then good news is that my license for WA was accepted. The bad news was the higher interest rates weeks after weeks. But I believe the rate should be eased after 6 months. So the current buyers might be able to refinance a few months later.

Had a few good trainings for the half marathons now. I can run 4 miles under 7:00 now.

See part of my training log at Eric Fang's Running Blogs. It is more important to have more excise when I am getting older. We will see whether I can get another PR within the next 2 months.

Posted by Eric Fang on April 1st, 2022 11:02 AM

Please see my race splits here: Eric Fang's Running Blogs

The exciting other races would be: Berlin Marathon in Sep; New York Marathon in Nov.

Posted by Eric Fang on March 7th, 2022 7:40 AM

30 yr fixed rate is higher now. But if you have loan amount , the rate can be as low as 3.875% to 4%. Please email me if you have similar scenario. 

Posted by Eric Fang on March 3rd, 2022 9:11 AM

I finished the courses for NV license. It will take a few months for the license ready. For WA and TX licenses, it should be ready some time in March.

Running is pretty good. I finished 18 mile run Feb 6, 2022, it was called spicy long run with 12 miles tempo run in the end. Finished pretty strong. 

See the splits here: http://ericfang.blogspot.com/

The interest rates went another quarter higher last week. Please just get refinance whenever the rate is good. The trend will only be higher.

Posted by Eric Fang on February 7th, 2022 10:26 AM

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

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

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

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

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

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


Posted by Eric Fang on January 28th, 2022 5:21 PM

Could not believe the low rates this days, especially for the ARM.

30 yr fixed 2.75%
5 yr fixed 1.75%
7 Yr fixed 2.25%
10 yr fixed 2.375%


APR below 2.75% for the above loans. And the rates are for no closing cost at all.



Posted by Eric Fang on May 9th, 2021 9:45 PM

Hi, the best rate would be 1.875% for 5/6m ARM. The rate is fixed for first 5 years, and then adjusted every 6 month after that. This program is good for those who want to take advantage this low rate , and comfortable with ARM.  The loan rate will be slightly higher for smaller loan amount.


Got the 2nd dose done for vaccine. Had a little bit side effect the 2nd day.  Had some warning sign from the aging body. Could not run much recently because of the achilles tendinitis. I might need to stretch more after future runs. Never had this before. I might have to wait for 2 months before another steady longer distance running.

Posted by Eric Fang on May 8th, 2021 4:36 PM

Today's ARM rate is around: 10/1 ARM 2.625%; 7/1ARM 2.375% to 2.5%; 5/1 ARM 2.375%. Those are the rates for the loan amount around $548k. The rate will be higher for the lower loan amount.

My frozen shoulder is getting better after a massage. I will try to get another one next week. Hopefully it will get better after 2-3 months.

It is Boston Marathon registration week. I do not think I will register and run Boston this year. Still prefer local races.

Finished the book: Breakfast with Buddha. Should I try : Dinner with Buddha, and Lunch with Buddha? Not sure yet.

Posted by Eric Fang on April 20th, 2021 8:35 AM

The rate is as low as 15 yr fixed 2.25% to 2.375%(APR 2.25% to 2.375%); 10 yr fixed 2.0% to 2.125% (APR 2.25% to 2.375%). This is the best rate we can have. 30 yr fixed rate still high.

Finished the book: Think Again by Adam Grant.  Almost finished the book: Van Gogh: The life. I think I can finish the book by this weekend.


Still pretty busy with the loans. I actually hope I can have more time for the reading. Purchased two books: The Unwinding: An Inner History of the New America and Nomadland. I plan to finish them by this summer.


Registered a few marathons this Fall. Hopefully I can run those marathons again. Most likely I will skip Boston this year, not sure whether I can get Tokyo. Plan to run Berlin next year. Too late to register Berlin.


A little bit lazy recently, mainly might be because of my frozen shoulders. I hope life be back to normal. And I got the fisrt vaccine yesterday from Pfizer.

 

Posted by Eric Fang on April 14th, 2021 8:55 AM

We have 10/1 ARM around 2.625%; 7/1 ARM 2.5%; 5/1 ARM 2.25%. All no closing cost at all.  Please email me efloans@gmail.com for the rate quotes.

Posted by Eric Fang on March 24th, 2021 9:28 PM

Fannie Mae is tightening the underwriting criteria for second homes and investment properties, the government sponsored entity said in a letter to sellers on Wednesday.

“Recent amendments to our senior preferred stock purchase agreement with Treasury impose additional risk criteria on the loans we acquire,” the GSE said in a letter. “One of those restrictions is a 7% limit on our acquisition of single-family mortgage loans secured by second home and investment properties.”

Please call or email me if you have any questions regarding the 2nd home & Rental purchase/Refinance.


Posted by Eric Fang on March 12th, 2021 12:48 PM

A lot of good rates are gone. Jumbo 7/1 ARM rate still good, I locked several for 2.625% to 2.75%, depends on the loan amount and Loan to Value ratio.


It will be a different year for 2021. The rate went higher, and I have more time for running, abs workout, and reading. I plan to run a marathon July or August this year.


Just realized that in order to get good returns, you just hold the stocks or funds(no trading). I had two stocks TSM, and MU for about 20 years. And TSM was up 1368%; And MU 10 folds. The investment amount is small, but the return is good.


Personally I think the lowest rates were gone. It would only go up., but still slowly. And ARM rate is more attractive now if you missed the boat.


For my investment style, my bank stocks went up pretty a little bit this year, but I will pick up some QQQ this year, whether it will go up or lower.

Ran 10 miles yesterday, here are the paces:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.0010:4410:448:3011913117818819117115
2.1.009:509:507:25126137181196120108
3.1.007:527:525:491401521942122222106
4.1.007:487:487:2514915219320267113
5.1.007:467:467:031501561932002718112
6.1.007:347:346:50145155197208718102
7.1.007:527:527:26151155193204107113
8.1.007:457:457:081501551942022531107
9.1.007:477:476:50146154195208611101
10.1.008:498:497:38142152188198121783
11.0.010:035:407:39147147196196000
Totals:10.011:23:568:235:491411551902123021381,060

 

Posted by Eric Fang on March 3rd, 2021 1:03 PM

I gave one quote today. This was the lowest Jumbo rate after last March. This is a very good rate.


But this lender does not allow to use the rental income to qualify. So it might not be good for all borrowers.

Posted by Eric Fang on February 8th, 2021 9:14 PM

1)All Good Things Come to an End

Interest rates hit historically low levels last year due to the pandemic outbreak and the worst quarterly decline in economic growth ever. Those rates have helped millions of homeowners refinance and save significant money on interest expense. On the purchase side, along with several other tailwinds, low rates have fueled a bonanza in housing.

Fortunately, we are closer to getting past the pandemic as vaccines are now seeing widespread distribution. This, along with enormous stimulus measures, pent-up consumer demand, and easy monetary policy, tells us the good times of ultra-low rates may have come to an end.

2)The Bonds Yield Curve Is Talking

Economists look at things like the yield curve in the bond market to predict oncoming recessions or periods of economic expansion. At the moment, the difference or "gap" between the 2-year note yield and 10-year yield is at the widest level in over three years. This means the bond market is telling us we are about to see an era of economic expansion. Yes, better times ahead. Bonds and rates don't like good news and better times, and it's why we have seen an uptick in rates since the beginning of the year.

3)Inflation Expectations at Nearly 7-Year Highs

The 10-year breakeven inflation rate, what we expect to see inflation average over the next 10 years, is just a few basis points away from the higher levels in almost seven years. With Congress batting around another $1 trillion plus stimulus bill, along with fully reopening the economy, there is reason to believe these inflation expectations will rise even further. When inflation moves higher, rates move higher ... period.

4)What About the Fed?

The Fed has played a pivotal role in keeping rates relatively low by purchasing $120B worth of Treasurys and mortgage-backed securities (MBS). But despite those efforts, rates have crept steadily higher with the 10-year yield moving from .50% last August to 1.15% as of this writing.

Should rates move too high too quickly, the Fed will likely do more to try and pin down long-term rates, like purchase even more bonds or invoke some sort of yield curve control.

Conclusion: The interest rate will go slightly higher from now on. At least it will not go lower at this moment. I know a lot people emailed me saying that the interest rates are lower again, which is not true.

Posted by Eric Fang on February 7th, 2021 7:24 AM

I do not like my current website design. And I did not have the time to work on a few links yet, like the the book list etc.

I have been busy for almost a year now, and my life was like this; worked for 1-2 hours, then went out for a running; worked for another 1-2 hours; Then Lunch, and worked for another 1-2 hours; then took a nap, another working again. My reading/napping/running was simply for working more hours. So I hope the pandemic is over soon, so at least I can go out of town and travel, run a few marathons. Was thinking about not working over the weekends. But still too many loans, closed 31 loans last month; and 16 loans so far this month. I know the rate went up a little bit, it might be a good thing. But on the other hand, my clients hope to get lower rates.

Finished the half marathon last Saturday(Jan 30th) with finish time 1:46:58.


 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.008:278:272:571281371861940274106
2.1.008:418:417:5713313718819405107
3.1.008:218:217:5713714319119400106
4.1.008:108:107:4714414919119850112
5.1.008:018:017:0414715218919665112
6.1.007:507:507:171491531911982226111
7.1.007:577:577:3215115719019650115
8.1.007:537:537:121511571911981830113
9.1.008:098:097:361491551902021110109
10.1.008:098:097:48147152190196010103
11.1.008:058:057:2115115819020605110
12.1.008:228:228:051471521901960092
13.1.007:587:587:221511601902025099
14.0.110:487:177:231571631982040012
Totals:13.111:46:588:092:57145161190206593541,407


And then another half Sunday Jan 31st with finish time 2:06:45.

But I finished today's half one minute faster than last Saturday:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.008:458:458:1912513818519000106
2.1.008:258:258:1013714318919805111
3.1.008:308:308:1113814218919600110
4.1.008:178:177:28142150191208110111
5.1.008:058:056:3514114919220655103
6.1.007:537:537:031461521932022224107
7.1.008:038:037:15146151192202106107
8.1.007:497:496:561471531912041629106
9.1.007:587:587:151481521922001010108
10.1.007:477:477:22149154193206016105
11.1.007:367:367:2515215719620406108
12.1.007:547:547:2115115719420400104
13.1.007:357:356:5815315819720650105
14.0.100:437:077:191581612032080010
Totals:13.101:45:278:026:3914416119220872891,401



 
Posted by Eric Fang on February 6th, 2021 11:24 AM

My daughter asked me why I worked on weekends. And I told her that I exercised as well. At least two half marathons on on Saturday and Sunday.

I explained that I had to work because my clients need me to complete the application. Anyway, here are the paces:

 

WORKOUT LAPS/SPLITS

LapDist (mi)TimeAvg (min/mi)Max (min/mi)Avg HRMax HRAvg SPMMax SPMGain (ft)Loss (ft)kCal
1.1.009:219:212:541201331801968510106
2.1.009:089:088:2813013418419400107
3.1.008:318:317:5613614318619460106
4.1.008:138:136:29135144188206100102
5.1.008:208:208:10140145188194106105
6.1.008:138:138:031411461881943030103
7.1.008:308:307:56140145185194187100
8.1.008:168:167:19139147187196183093
9.1.008:088:087:461441491891961016102
10.1.008:158:157:5614414719019651698
11.1.008:188:187:5214314618919601094
12.1.008:078:077:3314515019219611596
13.1.007:527:527:2114915619220250100
14.0.100:427:107:161581591942080010
Totals:13.101:50:018:232:541391591882081941181,322
Posted by Eric Fang on January 24th, 2021 5:03 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 PM

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