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

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

Love Conquers All - Inspirational Quote

As human beings, we have a self preservation mechanism which causes us to be pessimistic, conservative, & safe! Because of this, we tend to see the glass as half empty not knowing that we actually had a glass that was half full until it was completely empty. A simpler way to say this is that we don’t know what we’ve got until its gone. Love certainly does conquer all as Virgil said. It makes everything tolerable that would otherwise be unbearable. It’s why most men wouldn’t set foot inside a theater to watch a play. Yet when our significant others deeply desire it, we somehow find a way to manage. So the next time you find yourself feeling overwhelmed like you’re carrying the weight of the world on your shoulders just remember that love truly does conquer all. Give somebody a great big hug and fill your glass back up! When it comes to mortgage and real estate, rely on me. Call me today for a free rate quote, mortgage review, or property value analysis. Let my expertise go to work for you so that you can focus on who and what you love. Call me today at 916-502-1656 or inquire on line at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

Love Conquers All - Inspirational Quote

30 Year Mortgage Rates Still Hanging Out in the Low 4"s

It’s been an amazing couple of years in the mortgage and real estate industry. The last couple of years have been baffling to most of us that analyze the market. 30 year mortgage rates seem to be clinging to these artificially low levels. In this ABC News Article, http://abcnews.go.com/Business/wireStory/average-us-30-year-mortgage-rate-410-pct-25069828 the writer gives statistics from Freddie Mac. showing that at the time this article was written, 8-21-14, we were at a 52 week low! Well guess what? They’re even more improved as I write this blog post.

 

The industry is crazy and the most recent history will have the average person believing that this will last forever. The problem w/this thought is that rates are artificially low. The Fed has been buying Mortgage Backed Securities (MBS) for quite some time now and they’ve been tapering the amount they purchase now for months but global events like what’s been happening in the Middle East and in Russia have helped keep them low in spite of the tapering. Added to that is that the economy is not improving at the rate that some have predicted and we’re missing our marks slightly as the economic reports are released.  Bottom line, rates should be much higher than they are. What’s concerning about this is that borrowers have been spoiled by the rates we’ve seen over the last few years and forget about history.

They forget that this could turn on a dime. In other words, that rates could jump up in a heart beat. A great analogy for this would be the housing market from 2003 – 2007. By about 2004 – 2005 many experts were squawking about how these values cannot be supported. That there was a bubble looming. That property values were becoming dangerously inflated and the prices couldn’t be supported by the average income of homeowners. While all of this was true, we as the people didn’t listen. Then when the “bubble” burst, everyone realized that it was true but it was too late. They had already taken out multiple refinances, paid off debt, bought new cars and boats, took vacations, bought new houses and the list goes on.  They blindly believed that this run would continue and then one day the sky fell. Now they’re upside down, payments are going up, and they can’t refinance. Now had they looked at the situation logically they would not have used their equity like a bottomless piggy bank.

So how does this compare to the low rates of today? Values have now seemingly reached equilibrium and we’re on track to see gradual increases going forward so what’s the problem? The problem is that these rates being held down to the lowest levels we’ve ever seen is a result of government intervention and unfortunately war, destruction, and misery around the globe.  But it just cannot last. The rates have to go up in order for the economy to function normally. So when does that happen? Most of us thought it would have already but it hasn’t. An interesting concept to discuss is “Buy Low, Sell High”. Which is intelligent. But what it doesn’t mean, is to buy at the lowest and sell at the highest. Why is that? Because we can never know what the lowest rates are until they rise. Then we can look back and say, “oh, the lowest rate of the year was on August 28th, 2014 (just for example). So in theory, holding out for the lowest rates in history will only land you on the upside when rates are climbing.

I’ll sum this up w/a little story, kind of a fable if you will. There’s a dog w/a bone and on his way to bury the bone he sees a lake. As he pounces up to the lake he sees his reflection. Only he doesn’t know its his reflection. He thinks its another dog and what does that other dog have? He’s also got a bone! So the dog whimpers,and dances around and thinks to himself, “I’m gonna get me that bone!” So he waits and waits but the dog in the water is patiently waiting too? Finally the dog after quite some time plunges his head in the lake and tries to bite the bone out of the other dogs mouth. Guess what happened? You got it. He dropped his original bone and of course came up empty handed, or mouthed in this case because there was no other dog. It was merely his reflection. You see, its not that the dog was stupid. He hadn’t learned about reflections yet. So he didn’t have the right knowledge and information to make an intelligent decision but was blinded by the allure of what could be…having two bones to bury.  Today we’re victim to the same issue as the dog. All we know or can see is that rates are really low and all we get is misinformation from advertising. Because we don’t have the knowledge of how rates are derived and what drives them, we can’t make an informed decision, just like the dog w/the bone, or without the bone rather. Don’t be caught like the dog in this story. Call me today to do a free mortgage review and find out just how much you can save monthly and over time. Chris Reese, California Mortgage Hero and Certified Mortgage Planner, 916-502-1656. You can also inquire on line at http://www.sacramentohomeloanspecialist.com/forms/refinanceAdvisor.html

30 Year Mortgage Rates Still Hanging Out in the Low 4"s

30 Year Mortgage Rates at 2014 Low"s

Check out this article, Mortgage rates at low for year; 30-year averages 4.12%, from the LA Times website. We’re back at the lowest levels of the year…for now at least!

Average 30 Year Mortgage Rates

The mortgage market has been all over the place this year bouncing back and forth in pricing. One day we’re down 80 basis points, the next we’re right back where we were.  The average person doesn’t know what to expect from day to day. That’s why I subscribe to a couple of different services that stream real time numbers of the Mortgage Backed Securities Market so that I can help my clients to plan a rate locking strategy.  Here’s the link again to the LA times Article http://www.latimes.com/business/money/la-fi-re-freddie-mac-mortgage-rates-20140814-story.html

For a free mortgage review, rate quote, or property value analysis contact Chris Reese at 916-502-1656 or submit an inquiry at my mortgage website http://www.sacramentohomeloanspecialist.com/forms/askAnExpert.html

30 Year Mortgage Rates at 2014 Low"s

How to Pay Off Your 30 Year Mortgage Early - Mortgage Tip

Chris Reese The California Mortgage Hero and Certified Mortgage Planner delivers a Mortgage Tip on how to pay off your 30 year mortgage early.


For more information on mortgage loans or a free mortgage review contact Chris Reese at 916-502-1656 or post your questions at http://www.sacramentohomeloanspecialist.com/forms/askAnExpert

How to Pay Off Your 30 Year Mortgage Early - Mortgage Tip

Avocados, Keeping Them Fresh - Weekly Tip

The California Mortgage Hero delivers another outstanding household tip. If you love Avocados, then you’ll love this tip. Chris Reese, Certified Mortgage Planner, shows you how to store your avocados that you’ve cut into so that you don’t get those ugly brown spots. Watch the video to see how. Call Chris Reese, Certified Mortgage Planner, today for a free mortgage review or to see how the many different loan programs can benefit you and improve your financial well being.  916-502-1656 Sacramento Home Loan Specialist

Avocados, Keeping Them Fresh - Weekly Tip

Low 30 Year Mortgage Rates Not Enticing Home Buyers?

Here is a great article explaining that the lowest 30 year mortgage rates of 2014 still aren’t enticing home buyers to come off the fence. Rates have dropped since the beginning of the year but mortgage applications are actually down. The author attributes this to an unstable job market and possibly some disdain from borrowers who missed the industry all time lows in early 2013. You can read the entire article here Falling mortgage rates aren’t enticing home buyers, latest data show. Contact Chris Reese, Certified Mortgage Planner for a Free Mortgage Review and how a 30 year mortgage rate can work for you, 916-502-1656 Sacramento Home Loan Specialist

Low 30 Year Mortgage Rates Not Enticing Home Buyers?

Investment Property Loans at 100% DTI

Chris Reese, the California Mortgage Hero & Certified Mortgage Planning Specialist, unveils this special mortgage loan product for investors. This product is so unique and such a tremendous value that Real Estate Investors and Realtors can use it to save thousands of dollars up front and over time and avoid using private and hard money loans.  For more information on this product, or to see how you can start using it to increase your rate of return today visit The Sacramento Home Loan Specialist or call 916-502-1656.

Investment Property Loans at 100% DTI

Should We Have Locked our Loan: Mortgage Rate Update

Chris Reese, the California Mortgage Hero uses rate locking strategies to help his clients lock in a great interest rate while mitigating the risk of market fluctuation.  30 Year Mortgage Rates are derived from the Mortgage Backed Securities Market.  Chris had advised the public to lock in their loans on May 28th due to some large pricing improvements. Here’s a link to that particular video 30 Year Mortgage Rates Today and Tomorrow: Should We Lock? which lead to this video on whether we should have locked. Thank you for visiting my site. If you would like a fast, and free Mortgage Review, don’t hesitate to call me at 916-502-1656 or visit Sacramento Home Loan Specialist

Should We Have Locked our Loan: Mortgage Rate Update

30 Year Mortgage Rates Today and Tomorrow: Should We Lock?

Chris Reese, The California Mortgage Hero, quickly explains what’s going on in the mortgage backed securities market and whether or not borrowers should be locking their loans. To inquire about 30 year mortgage rates call 916-502-1656 or visit http://www.SacramentoHomeLoanSpecialist.com

30 Year Mortgage Rates Today and Tomorrow: Should We Lock?

Chris Reese Shows Super Fast Way to Clean a Blender - Weekly Tip

Chris Reese, The California Mortgage Hero, shows you a super fast and easy way to clean your blender. Do you consume endless amounts of protein shakes, make smoothies, or enjoy daiquiris & margaritas? If the answer to that question is yes, then I bet you also have grown to hate cleaning your blender.  Watch this quick video to see how to quickly and easily clean your blender and have it ready for use in just minutes. Leave a comment below and let me know what you think of my weekly tip. If you have a really cool tip that you would like me to share for you, please let me know.  I love sharing great information!  If you have questions regarding mortgage or real estate don’t hesitate to give me a call at 916-502-1656 or visit me at my website http://www.SacramentoHomeLoanSpecialist.com. There you can securely apply online, get access to a plethora of free reports, or take advantage of my free calculators and refinance and purchase wizards.  Have a wonderful day every day!

Chris Reese Shows Super Fast Way to Clean a Blender - Weekly Tip

Benefits of a 30 Year Fixed Mortgage - Mortgage Tips

The 30 year fixed mortgage offers some great benefits and security to homeowners and home buyers alike. Watch this video to find out if a 30 year fixed mortgage would be right for you. If you have add’l questions regarding mortgage loans of any time or real estate, don’t hesitate to call me at 916-502-1656. You can also connect with me right here on my blog at http://www.CaliforniaMortgageHero.com. To complete a secure, online mortgage application, request free reports regarding mortgage and real estate, or go through my purchase or refinance wizard just visit http://www.SacramentoHomeLoanSpecialist.com.

Have a wonderful day!

Benefits of a 30 Year Fixed Mortgage - Mortgage Tips

Doodle, Retain More When Listening With This Simple Trick

Chris Reese, the California Mortgage Hero explains why doodling  will help you retain more information when listening. This can help you retain much more of what you hear when listening to a presentation, speaking with somebody over the phone, or even when attending a seminar.  The amazing thing is that you don’t have to take any notes whatsoever. Watch the video to find out how. For more weekly tips and information you can stay on this blog, http://www.CaliforniaMortgageHero & search around. You’ll find a wide variety of household tips and tricks. You can also connect with the Chris Reese Mortgage Team there.  For free reports regarding Real Estate and Mortgage or just needing to get add’l information regarding a type of mortgage such as a 30 year fixed vs. an Adjustable Rate Mortgage visit http://SacramentoHomeLoanSpecialist.com. There you can even apply for a mortgage loan directly and find out just how much you can qualify for. I hope you have a great day!

Doodle, Retain More When Listening With This Simple Trick

Bread Crusts Help Fight Cancer, California Mortgage Hero Weekly Tip

Chris Reese, The California Mortgage Hero shares the importance of bread crust in your diet. He also discusses a secret “ninja tip” on how to get your children to eat their bread crust.  If you would like more information on this video or other tips for healthy living don’t hesitate to comment or contact me. If you would like more information regarding real estate, mortgage loans, mortgage planning or Real Estate Investment Strategies pick up the phone and give me a call at 916-502-1656. You can also find a variety of free reports at my website http://www.sacramentohomeloanspecialist.com/freeReports/Featured/

Bread Crusts Help Fight Cancer, California Mortgage Hero Weekly Tip

Heart Bleed Virus - California Mortgage Hero Special Weekly Tip

Chris Reese, the California Mortgage Hero, does a special weekly tip about the “HeartBleed” Virus.  This is a virus that is extremely widespread and approximately 66% of all websites can be impacted by this virus. You can go to this link http://www.cnet.com/news/how-to-protect-yourself-from-the-heartbleed-bug/ to learn how to protect yourself against this computer virus.  You can also go to this link https://www.ssllabs.com/ssltest/index.html to see if a particular website is vulnerable or not.  If a website doesn’t contain personal information, the only thing at risk appears to be your password and log in. So check out these links and make sure that you are protected and that your banking and credit card websites are as well plus anything else that you need an ID and Password for.  If you need information regarding real estate or mortgage, please don’t hesitate to give me a call at 916-502-1656 or check out my website at http://www.SacramentoHomeLoanSpecialist.com. There you can do a secure on-line application, find out what you qualify for, download free reports, use a mortgage calculator or just learn a little more about Chris Reese, Certified Mortgage Planning Specialist and his mission and purpose. Have an awesome day and Make it Happen!

Heart Bleed Virus - California Mortgage Hero Special Weekly Tip

The Chris Reese Mortgage Team - Your Lender for Life

Does the home loan process feel overwhelming and confusing? Let the Chris Reese Mortgage Team help!

The Chris Reese Mortgage Team - Your Lender for Life