New Casual Office, Flex Your Mortgage Option, Fire Your Lender!

by qinfovio 12. February 2014 12:43
Good afternoon,
We have finally opened our new office, still located in Seaside, just across the Goodwill Store.
At first, I put into my business card the renamed or added address from 704 Broadway Ave Suite C to 704 Obama...the post office has not recognized this name change yet and some mail person will not deliver to this new name.
I try to break the typical boring real estate office, with a bunch of intimidating desks, formal front desk or sometime the opposite with run down office to a more casual, friendly space.  
It has been a very good experience to lived as it took us close to eight months to go through the all process for changing to a new location.
It did not take me a long time to figure out the amount of time that it will take between a change of ownership in the building, the City new zoning plan for the West Broadway Redevelopment project. You just have to seat and wait and pay everybody little money et voila!
In this similar situation, you have to put your energy into other projects. I am mainly putting mine into researching value, and there is as much
technical part than psychology part.
The technical part is to learn all different types of market, stocks, bonds, commodities...
And the psychology part between who is right, who is wrong. It is usually more easy to do the convenient, like using debt to stimulate our economy,
but is it going to work?
To be able to understand the movement on how these plates are moving, you have to look at the global world. And most of the time,
you have to put your ego away. It is extremely fascinating because you can vision and built opportunities with the future.
As I said before that we can make as much money if not more when our economy is reversing. But you will need to have an open mind and be able
to adapt yourself.
I think that speaking about economy and anything around it is a lost of time and energy since we already all have our mind set.
The best way to use reflex ion is visual and I will plan to bring it to you at one time and I will let you know when it is ready.
I shared with you not long time ago experience between using lenders, like Chase, Wells Fargo, BOA, saying that their loan program
could be very restricted and if you don't fit into their program, you are out...but it is not because you cannot qualify for a loan to buy a home with them, that you cannot go use a mortgage broker to do it.
You have to be flexible and sometime work around opportunity. I believed that we might have a couple to three years left in real estate home value 
appreciation. I will expect interest rate to stay between 4.5% and  5.5% within this time period. In some case, you might want to use an adjustable rate to help you get into a house and lock yourself into a 30 years fix with home appreciation within this time period.
I also believe that interest rate will double within the next seven years.
I met with one of these three lenders insider yesterday and I was told that they were laying off their staff by lowering their wage.
The major issue that I have around these lenders are the inconsistency of their loan department. Their loan officers are not staying and myself
referring my buyers to them is just a waste of time.
I will plan to meet and bring you the best one (mortgage broker) that I can find to you. When I say the best one, I will try to bring not only a sale person that is just selling you a loan but someone that might have an more open mind in the near future for your best interest.
I am getting back into my routine with our broker tour, previewing and sharing with you all new listings coming in the market.
I think that there is more stress on buying on the higher end of the market, I am saying over a $1M dollar home. And the higher you
go, the more you have.
Thank you and I will see you next week!
Christian Viollaz
License 01318338
Don’t Pay Another Cent in Rent To Your Landlord ...


Comments (2) -

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4/2/2014 3:28:45 AM #

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