Merry Christmas from the California Mortgage Hero!

 

Live Elf on a Shelf

Have a very Merry Christmas and a Happy New Year!

From Chris Reese, your California Mortgage Hero and Certified Mortgage Planner

Merry Christmas from the California Mortgage Hero!

Guess Who"s Back? 3% Down!

It’s Baaaaaaaaaa-aaaaaack!

97% LTV is back everybody! That’s a 3% down payment on a conventional loan. With FHA loans having permanent MI, this is an outstanding alternative for low down payment mortgage loans. This change has been a long time coming and it’s available starting Monday! Contact Chris Reese, Certified Mortgage Planner in Roseville to see what you qualify for with only a 3% down payment at 916-502-1656 or visit http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Guess Who"s Back? 3% Down!

30 Year Mortgage Rates...On The Rise?

Average 30-year mortgage rate rises to 3.93 percent! Been a long time since we’ve seen headlines like this.

Average 30 Year Mortgage Rates

Mortgage rates have been so low for so long that we’ve all been pretty spoiled. Rates rising is inevitable. They’ve been held down artifically by goverment and Fed interaction. Now finally the tone is set for some improvement in the economy and interest rates will have to rise, in fact they already are. Check out this article from the LA times website http://www.latimes.com/business/la-fi-mortgage-rates-20141212-story.html One thing is for certain, if you haven’t taken advantage of this low interest rate market yet, you really need to look into refinancing as soon as possible before these historically low rates are gone. Call Chris Reese, Certified Mortgage Planner for your free mortgage review and mortgage rate quote at 916-502-1656 or visit http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

30 Year Mortgage Rates...On The Rise?

Jumbo Mortgage 10 Percent Down, No MI, SS and BK Okay!

Chris Reese, California Mortgage Hero & Certified Mortgage Planner explains a unique, Jumbo Loan that has some very cool features that aren’t available with any other type of loan. Watch the video to find out more.

Want to take advantage of this Jumbo Loan Product? Call Chris Reese today at 916-502-1656. You can also inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Jumbo Mortgage 10 Percent Down, No MI, SS and BK Okay!

The Best and Most Beautiful Things in the World....Inspirational Quote

The best and most beautiful things in the world must be felt with the heart. If you’ve ever been in love or had children you definitely understand that. Please go out and see the world with your heart and allow yourself to truly feel. However, When it comes to big decisions such as those regarding mortgage and real estate, you have to do the opposite. You must make logical, sound decisions. Emotions will cost you. Don’t let yourself be overcome with emotion during a Mortgage Refinance or Home Purchase. Make sure you’re working with a solid mortgage planner and real estate agent that will advise and guide you to making a decision that is best for you and your family. Pick up the phone and call Chris Reese, California Mortgage Hero and Certified Mortgage Planning Specialist® in Roseville California 916-502-1656 or inquire on line at http://www.sacramentohomeloanspecialist.com/home.html

The Best and Most Beautiful Things in the World....Inspirational Quote

From 30 Year Fixed Rates to 10 Year Fixed Rate Mortgages and Staying Informed

Rates have been really low now for over a year. Most recently we’ve had some add’l improvement giving us the lowest levels the industry has seen all year. In spite of rates being so low, many people are turning to a shorter, 10 year mortgage loan because those rates of course are even lower. Check out this article http://www.thisismoney.co.uk/money/mortgageshome/article-2858084/Lock-mortgage-decade-record-low-rate-number-10-year-fixed-rate-mortgage-deals-increases-fourfold-one-year.html
The article discusses how rates have no where to go but up. I definitely agree. While I said above that we’re at the lowest levels we’ve seen all year, that was actually last week and those rates still pale in comparison with the rates available in January 2013. Take a look at this picture:

What it shows is a candlestick chart of the mortgage backed securities chart. Its showing the price of the 3.5% FNMA 30 year coupon bond. In other words, the bonds that are driving the mortgage rates on the 30 year fixed. Without getting too technical, some basic understanding of how to read this chart will help the explanation. The dates are along the bottom and the price of the bond is on the left. Mortgage rates have an inverse or opposite relationship to the mortgage backed securities that they are derived from. So the higher the price of the Bond, the lower the interest rates. The far right of the graph is now, and the far left is December 2012. So by the time the article I’ve referenced was written, rates had already risen from the lowest rates of the year. But if you look to the left, you can see that in both December of 2012 & April of 2013 that the MBS were much in price, the 106.5 range and today we’re at a modest 103.75. That is quite a bit of difference.

So while the article is talking about people locking in 10 year fixed rates, my take away is that they are confirming that rates have really nowhere else to go but up. So what do you do then? How do you get the best rate? The best Deal? You have to painstakingly monitor the market and do your research but more importantly you have to time your application with the market as well.

If you wait until rates are the “lowest they’ve ever been…” you’ve already missed them mark. First because by the time you call your mortgage lender to get the application in, rates are already back up as I’ve shown you in the graph from last week to this week. The second reason is that most of the news and information that is available doesn’t make it to the market until its too late. The article I referenced above came out yesterday. Rates were better the week before. By the time the news and the writers get this info, digest it, and then make it available it’s already outdated. I can help you with that. I provide real time information on where the mortgage rate market is moving. You can have that information arrive in your inbox either weekly or daily by signing up at this link http://www.rate-mastery.com/LoOptin.aspx?id=Chris_Reese_9165021656&p=WidgetTiny1 This is just my way of helping you keep your thumb on the pulse of the mortgage market.

If you have questions about your mortgage, refinancing, or purchasing another home don’t hesitate to contact Chris Reese, Certified Mortgage Planner at 916-502-1656 or inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html The answer to all your mortgage and real estate questions are just a phone call or a click away.

From 30 Year Fixed Rates to 10 Year Fixed Rate Mortgages and Staying Informed

Fixed Rate Mortgage or Adjustable; What"s Right for You?

There are many different types of mortgage loans. The two most common types of mortgage loans for real estate are the Fixed Rate Mortgage and the Adjustable Rate Mortgage, also known as an ARM. Knowing the features of these types of loans and how they differ from each other will help you decide which type of loan is best for you.

First let’s define them. A fixed rate mortgage is a loan where your interest rate is fixed for the life of the loan. You make the exact same payment every month. At the end of the loan term, the loan is paid off in full.

With an ARM, the interest rate is often fixed for an initial period such as 5 years. Then at the end of the fixed period, the interest rate will adjust at the end of a pre-set period like once a year. During the adjustment period Interest rates on ARM’s are derived by a fixed margin, often 2.25%, plus the value of the index that the loan is tied to such as the 1 year LIBOR, which at the time of this post was at .557%. In this example, when the loan reaches the adjustable period of 5 years, the rate will adjust once time a year to the value of the LIBOR plus the 2.25% margin. Then at the end of each year, the rate is recalculated to adjust with the value of the LIBOR. If you had an adjustable rate mortgage that was adjusting today based on the 1 year LIBOR and a margin of 2.25%, your rate would be 2.875% rounded up to the nearest .125 point increment. Not a bad rate right? Especially considering that they fixed rates are in the high 3’s low 4’s currently.

You might be asking yourself, if the rates are so much lower on an ARM vs. a fixed rate mortgage, why would anybody do a fixed rate mortgage at all? There are quite a few reasons why somebody would take one type of loan over another but let’s focus on the most common reasons. With a fixed rate mortgage, you always know what your payments will be. During times where interest rates go higher than your fixed rate, you’re still enjoying that fixed rate and payment with no fear of things changing on you. You can also typically borrow up to a higher loan to value ratio with a fixed mortgage. So if you have limited funds for down payment or limited equity, the fixed rate mortgage may be the only option.

Fixed rate mortgages are by far more popular than ARM’s because most people tend to be very adverse to the risk of their interest rate going up and therefore their payment but there are some pretty cool reasons to take the adjustable rate mortgage aside form just an initial period where the rate is lower. As I stated above, an adjustable rate mortgage adjusting today would be a rate of only 2.875 where fixed rate mortgages are at least 1% higher today.

Take a look at this comparison on the right. This is an example of somebody that took a loan out in 2012 and is now wanting to take advantage of today’s awesome rates. They could take this rate of 4.125% on a 30 year fixed rate mortgage and lower their payments by $199 per month. In this example I’ve applied that monthly savings toward their principal balance each month. In doing so, they’ll have this new loan paid off in just 22.5 years. Their current loan paying that same amount will take almost 28 years as show by the line labeled Freedom Point (the point at which you are mortgage free). Looks really good right?  But look at the 5/1 ARM. In that example the rate is almost a full point lower, and the monthly savings is $314 per month. You don’t have to apply that savings to the mortgage of course. You could use that money to pay off a car loan or other higher interest debt. You could put that toward your retirement. Maybe just brighten somebody’s day with flowers now and again?

The amount of interest you save over the life of the loan can be very significant with a fixed or an ARM loan but the ARM tends to offer more savings than that of the fixed. Generally speaking, those that take out an ARM loan as opposed to those taking out a Fixed Rate Mortgage, tend to pay less interest over the life of the loan. This is especially true during the introductory period. Take a look at the graph on the left. It demonstrates the same example as above but taking a look specifically at the interest savings over the 5 year fixed period. Notice that the 5/1 ARM saves an additional $10,000 over the 30 Year Fixed. The total savings over a 5 year period  on the Fixed is about $14,000 whie the ARM would save $24,000.

Regardless of which type of loan might be right for you, an ARM or A Fixed Rate, either option makes great sense when deciding whether or not to refinance. Saving between $14K and $24K in interest over just 5 years time is a make sense decision. If you you want to know if a refinance would benefit you and how you might be able to make the best of it don’t hesitate to give me a call for your Free Mortgage Review. Call Chris Reese at 916-502-1656 for your free mortgage review. You can also apply online at http://www.sacramentohomeloanspecialist.com/applyNow.html. Have a wonderful day and Make it Happen!

 

Fixed Rate Mortgage or Adjustable; What"s Right for You?

Veteran"s Day Thank You

I wish that I could thank every single Veteran personally. Have a great Veteran’s Day! 
From Chris Reese, Califronia Mortgage Hero & VA Home Loan Specialist 916-502-1656 http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Veteran"s Day Thank You

Zillow Kicking Butt and Taking Names! Q3 Released

Zillow is a household name at this point. So I guess it shouldn’t come at such a shock to see how well they did in the third quarter 2014. Zillow reported they increased revenue by 66% over Q3 2013! I would have to say that a major contribution to that is advertising by Real Estate Agents. With the improving real estate market comes increased funds available for advertising. Check out the Article here http://www.zillow.com/blog/q3-2014-earnings-163781/

If you have questions regarding mortgage or real estate pick up the phone and call Chris Reese, the California Mortgage Hero and Certified MOrtgage Planner at 916-502-1656 or visit http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Zillow Kicking Butt and Taking Names! Q3 Released

Accept Only The Best

“If you refuse to accept anythning but the best you very often get it” -Somerset Maugham

It’s true that if you refuse to accept anything but the best that you’ll likely end up with it. Don’t sell yourself short and always strive for the best. When it comes to Mortgage Loans and Real Estate, work only with the best. Contact Chris Reese the California Mortgage Hero and Certified Mortgage Planner for all your mortgage and real estate needs, 916-502-1656, http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Accept Only The Best

Where are Mortgage Rates Heading?

Where are Mortgage Rates Headed Tomorrow and every day after that?

Mortgage Rate Shoppers are always asking what are rates? Where are they headed? By following this link http://www.rate-mastery.com/LoOptin.aspx?id=Chris_Reese_9165021656 you can sign up to receive weekly or even daily updates on exactly that. As a Certified Mortgage Planner I use lock planning strategies and analyze the mortgage backed securities market along w/various economic factors to help clients decide if now is the time to lock in their rate. I really like to explain to my clients “the Why” and “the When” and providing this type of information and analysis is a given for my clients. Even if you’re not one of my clients you still have access to this information. Just sign up at the link above. If you need a more detailed analysis and explanation you can always call in to 916-502-1656 or inquire online here http://www.sacramentohomeloanspecialist.com/home.html

Contact Chris Reese for all your Mortgage and Real Estate Needs. Whether its just time to simply take advantage of the free mortgage review & rate quote, get a fast and free mortgage pre-approval to purchase a home, Analyze and determine the best deal between multiple Real Estate Investment opportunities, or just need a property value analysis to determine your home’s worth you’re in the right place. Call Chris Reese the California Mortgage Hero & Certified Mortgage Planner at 916-502-1656 make an online inquiry at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Where are Mortgage Rates Heading?

I"ll Take it! Check Out Bruce Willis"s New Home!

We can all dream can’t we? Check out Bruce Willis’s new home in New York.

This place is phenomenal and I’m truly envious. The river, the endless trees, the privacy, & I guess the house is pretty cool too. Here’s a link to Zillow’s blog post http://www.zillow.com/blog/bruce-willis-bedford-properties-163023/ where you can read all about the wonderful amenities and become as jealous as I am. I bet financing this property was tough! This is a super duper jumbo loan. Many lenders cannot even touch a loan of this size or anything anywhere near it. If you need help securing financing for a luxury home or any other type of real estate don’t hesitate to give Chris Reese, The California Mortgage Hero a call at 916-502-1656. You can also apply for a mortgage loan and/or get pre-approved to purchase a home at http://www.sacramentohomeloanspecialist.com/applyNow.html

 

I"ll Take it! Check Out Bruce Willis"s New Home!

Money Can"t Buy You Happiness.....Inspirational Quote

David Lee Roth is right! Money cannot buy you happiness. Love, Family, Friends, Experiences….These are the things that truly make us happy. We often find ourselves being forced to choose between happiness and financial gain or improvement. It doesn’t have to be that way though. Let Chris Reese CMPS®, The California Mortgage Hero focus on putting you in a better financial position through Mortgage Planning so you can focus on happiness…your loved ones…and making memories. Call today for your free mortgage review consultation or free property value analysis at 916-502-1656. You can also inquire on line at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Money Can"t Buy You Happiness.....Inspirational Quote

Rates are Falling - Mortgage Tip

Rates are falling, Rates are Falling, and Rates are Falling!  Rates are falling guys but this could turn on a dime and rates could shoot up. There’s a lot going on right now which is driving rates or the cost of rates down. Take a look a the summary below:

What you have are 3 columns; A proposed Current Situation, a 30 Year Fixed Option, & a 5/1 ARM Option. The two options offer quite a bit of benefit to this hypothetical borrower. In addition to showing the difference in total payments, the refinance options also show the savings over time (5 years) and the freedom point of the new mortgage if the monthly savings were applied toward the principal balance each month. 

Let’s dissect the 30 year fixed option.  The proposed rate is fixed for 30 years at 3.75% with APR of 3.845%. The total payment including taxes and insurance drops by $170/month from $1,565 down to $1,395. That $170/month is $2,040 in savings per year. The closing costs and impound account came to about $4,816. Now let’s compute the cash on cash rate of return on spending this $4800 to save $2,046/year. The way to do that is to divide your annual savings, in this case the $2,046, by the cost of the investment (2,040/4,816 = .423) which equals 42%. WOW! Read that again, an ROR of 42%! Seriously? Yes! This is a concept known to Certified Mortgage Planners as a “Cash in Refinance”. While the borrower in this example is tying their closing costs into the loan amount, they are still costs that they incur so we can calculate a cash on cash rate of return. Can you imagine what your financial planner would do if you could earn an ROR of 42%?

Now let’s look at the 2nd example. Because its an adjustable rate mortgage we can’t predict what will happen after the five year fixed period so the freedom point makes an assumption that the payment will remain constant. This will not be the case but there’s no way to calculate a freedom point with a variable payment.  Having said that, individuals that take out adjustable rate mortgages as opposed to those that took out a fixed rate mortgage, all other things being equal, will pay less in interest over the life of the loan. This is due to not only the initial fixed period being at a lower rate than what is offered on fixed rate loans but also because when the rate does go adjustable, it can actually go lower than the note rate. This is because the payment during the adjustment period is based on a fixed margin, usually 2.25, and some index such as the 1 year LIBOR. The floor on the rate is typically the margin. So the 5/1 ARM option offers savings of $337 per month. If that savings were applied to the principal balance the client would save over $25,500 in just 5 years in interest taking into account the closing costs paid. The loan would be paid off in about 22 1/2 years (assuming a constant payment). 

Either option is a fantastic way to save money and put yourself in a better financial position. Whether you would choose a fixed rate mortgage or an adjustable rate mortgage largely depends on your adversity to risk. Regardless of whether a fixed loan or ARM is right for you, saving money is right for everyone. You owe it to yourself and your family to see if you can save money every month and over time. Pick up the phone and call Chris Reese, CMPS® at 916-502-1656 for your free mortgage review or home purchase pre-approval. You can also inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Rates are Falling - Mortgage Tip

Mortgage Rates Hit New 2014 Lows

Mortgage Rates seem to hit new lows about every other day now. Well its actually true. Check out the latest article from RIS Media released on 10/20/14.

The author discusses the average rates and points on loans from Freddie Mac’s recently released Primary Mortgage Market Survey® (PMMS®). Here’s the link again to the RIS Media Article http://rismedia.com/2014-10-20/mortgage-rates-hit-new-2014-lows/. If you have a rate of 4.5% or more, a refinance may very well save you a lot of money. Even if your rate is lower than 4.5% it makes sense to inquire. We recently blogged about a recent article regarding Ben Bernanke being turned down for a loan. That article, http://www.theguardian.com/money/us-money-blog/2014/oct/06/if-ben-bernanke-cant-refinance-his-mortgage-what-hope-for-the-rest-of-us, from the Guardian  talks about how Mr. Bernanke was attempting to lower his rate by less than a 1/4 point. He definitely understands the market, interest rates, and saving money & wanted to refinance but was turned down because his loan amount was outside guidelines. You may very well be able to do something that will put you and your family in a better financial position. You owe it to yourself and your loved ones so pick up the phone and call Chris Reese, Certified Mortgage Planning Specialist® in Roseville, California today for your Free Mortgage Review. These rates will not last! You can also inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Mortgage Rates Hit New 2014 Lows

The Great Pleasure in Life....Inspirational Quote

“The great pleasure in life is doing what people say you cannot do.”

                                            – Walter Bagehot

www.CaliforniaMortgageHero.com

 

Chris Reese, The California Mortgage Hero and Certified Mortgage Planner from Roseville, California often gets things done that other lenders could not.  Call 916-502-1656 for all your mortgage and real estate needs. You can also inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

The Great Pleasure in Life....Inspirational Quote

How You Can Pay Off Your 30 Year Fixed Mortgage Early - Mortgage Tip

As a Certified Mortgage Planning Specialist I get asked this question all the time. “How can I pay off my 30 year fixed mortgage early?” Well there is a very easy and inexpensive way to do this!

The way to make this happen is to apply additional payments toward your principal balance each year. If you can make one add’l payment per year you will shave approximately 7 years off the life of your 30 year fixed rate mortgage and save a ton of interest as well. Easier sand than done right? Well here’s a way to make this a little less painful to your wallet. Take your monthly payment and divide it by 12. Whatever that result is, make sure you send in an add’l payment for that amount each and every month. If you make your payments with checks, you might even want to send 2 separate checks and write in the memo line, “Principal Payment Only” which will ensure that your mortgage servicer applies all of the add’l payments directly toward your principal balance.

Another way to accomplish this same exact thing is to make a payment every 2 weeks instead of once a month. Take your monthly payment and divide it by 2. Then when you pay it every 2 weeks, you’ll end up making 26, 1/2 payments throughout the year. This is the equivalent of 13 full payments, or 1 extra payment a year. Some lenders will actually fund the loan this way for you or you can request that they set up your servicing after the fact. Or you can just take the initiative and do it yourself.

Regardless of which route you choose, you can set these payments up to go out automatically. In many cases, you can even set it up w/your bank that a particular amount of your direct deposit automatically filters to a 2nd account which is set up for auto-pay to your mortgage servicer. This way its on automatic pilot and you don’t ever have to think about it. You know that because the 2nd account only is used to make the mortgage payment and it is automatically fed the necessary portion of your paychecks that your mortgage payments will always be made on time and most importantly, your 30 year fixed rate mortgage will be paid off about 7 years quicker. Now that makes some real financial sense. You can see a video on this very subject by clicking this link http://californiamortgagehero.com/?s=how+to+pay+off

You know what else makes financial sense? Working with a Certified Mortgage Planning Specialist and doing an annual mortgage review to ensure that you are in the best financial position possible. Even if you’re in the process of doing a refinance right now, it makes sense to call a Certified Mortgage Planner to take a 2nd look. Call Chris Reese, Certified Mortgage Planning Specialist today for your fast and free mortgage review, rate quote, and property value analysis at 916-502-1656 or visit http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

How You Can Pay Off Your 30 Year Fixed Mortgage Early - Mortgage Tip

The Sky is Falling? No Just Rates :)

Rates Dropped Massively overnight!

Watch this video to see just how much!

The mortgage market is hopping with volatility but rates dropped massively this morning. 30 year mortgage rates are very attractive. You owe it to yourself to see just how much you can save each month. Call me today for your Free Mortgage Review & Mortgage Rate Quote at 916-502-1656. You can also apply on line at http://www.sacramentohomeloanspecialist.com/applyNow.html

The Sky is Falling? No Just Rates :)

30-Year Fixed Mortgage Rates Fall Below 4 Percent

The headlines make you want to pick up the phone and call your loan officer to get this super low rate offered. In this article on Zillow Blog titled 30 Year Fixed Mortgage Rates Fall Below 4 Percent is pretty compelling right? The fact is that this is an average of rates taken from what appears to lead us to believe that the actual rate is 3.96% down from an actual rate of 4.06% the previous week. There are 2 very big problems with this however that will leave you feeling confused.

Average 30 Year Mortgage Rates

 

First, those are averages taken from what appears to be “Quotes on Zillow Mortgages”. So it’s unclear; are these actual locked in applications or are these actually just advertiser quotes being averaged? Regardless of which it is, the data or statistics is are extremely biased. If they are actual Zillow Mortgage Applications, they are taken only from a website that has advertisers publishing the lowest rates available to mankind and even if they locked those rates in, there’s no way to know if the applicants actually will close those loans or if they were even approved or locked. While this would be the case for any and all advertised rates, the fact that these are exclusively quoted from Zillow, which exists by selling advertising, it’s not a good cross sample of rates being offered by lenders to everyone. Now if they are in deed just quotes being advertised to the public, even worse! You can almost rest assured that those rates are being quoted with assumptions about credit and loan to value that most clients don’t actually have. A 30 year fixed for example at 30% Loan To Value with an 835 FICO score is pretty unrealistic, but there is still a faint possibility so they can publish it.

The other problem w/these averages is that they don’t quote the cost or discount points associated with these interest rates.  They don’t even show the Annual Percentage Rate (APR) which shows that there is some cost being associated for that interest rate. I’m not a huge fan of the APR calculation as it allows various lenders to skew those numbers as well based on including or omitting certain costs from the calculation to make it appear lower. It can be quite confusing at times and if you were to have 5 different underwriters take the same file independently and disclose the APR, you’d probably find them to all have some variation. This isn’t on purpose, it’s because its a calculation that you have to manually determine what should be included. While APR calculations are required, I think a much better way to compare rates is to simply state what the points are for a particular rate. I rarely see an article or blog post that does that though. Read the Article for yourself at http://www.zillow.com/blog/mortgage-rates-below-4-percent-2-2-161520/ Are you curious now about what 30 year rate you might qualify for? Pick up the phone and call Chris Reese, the California Mortgage Hero & Certified Mortgage Planner at 916-502-1656 or inquire online at http://www.sacramentohomeloanspecialist.com/forms/rateTracker.html

30-Year Fixed Mortgage Rates Fall Below 4 Percent

Opportunity is Missed by most People Because.... - Inspirational Quote

There is not a single successful person in this world that didn’t work very hard to get where they are. Sure there are those that everyone points to that are the exception. People that are born into wealth. They seem to be very successful. The truth is that those born into wealth that don’t work hard don’t feel or look very successful. They have a shallow existence and are very unhappy. This is one of the reasons why they say, “money can’t buy happiness”.

The other side of that coin is best said by David Lee Roth, “Money can’t buy you happiness, but it can buy you a yacht big enough to pull up right alongside it.” Funny yes. True? Yes! But what it doesn’t say is how hard somebody had to work to do so. As much as rock stars party and participate in debauchery, they still have to work very hard. They practice endlessly, have endlessly long tours on the road, strained personal relationships, money problems like you wouldn’t believe, & they’re always under a microscope. The price of fame is astronomical and is very hard work…at least for those that last!

So Make it Happen! Strap on your overalls, pull up your boots, and work very very hard for what you want. Learn the Rock Star’s lesson though. Have a good balance in life or you will not have longevity with your success. Speaking of working hard. Nobody works harder for you than Chris Reese, the California Mortgage Hero and Certified Mortgage Planner in Roseville, California. Pick up the phone and call me today at 916-502-1656 for your free mortgage review, home purchase pre-approval, or even a property value analysis. Let the experts work hard for you to ensure that you’re in the best possible financial position regarding your mortgage and your home so that you can work hard achieving your goals and maintaining balance in your life. You can also inquire online at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

 

 

Opportunity is Missed by most People Because.... - Inspirational Quote