Happy Fathers Day!

Stable Home Matters”

One thing I can tell you, is that stable homes brings academic and social achievement in students.

Do what you need to do to create a stable home.

If you need to refinance to make ends meet and recast your budget, do it.

If you need to purchase your first home or a rental to add income, do it.

I am here to help. Apply online at https://christophermarrs.zipforhome.com

Open House : Hayward, Ca 94544

789 Plantation Ln, Hayward, Ca 94544

Sunday, March 27, 2022 1 pm- 5pm

The Details

3 Bedrooms/ 3 Bathrooms

1373 Sq Ft/ 1750 sq ft lot

Built in 2002. $200 HOA with 19 units in the complex

Comparable Sales

Financing

You can apply online here https://christophermarrs.zipforhome.com/

Here is a estimate based on a 720 fico with 20% down 30 Year Fixed 4.50% / 4.534% APR $3,627.87 (does not include Taxes or Insurance or HOA of $200.00)

Loan Amount : $716,000

Down Payment : $179,000

Monthly Estimated Taxes: $935.42

Monthly Estimated Insurance: $104.17

Estimated Total Monthly Payment: $4,867.45

Estimated Fees

Origination Charge: $7,160.00

Underwriting Fee: $999

Processing Fee: $500.00

Services You Cannot Shop For $850.45

Life of Loan Tax Service
Paid to: CoreLogic Tax Services$48.00

Flood Life of Loan Coverage
Paid to: Flood Company$5.00

Flood Determination Fee
Paid to: Flood Company$8.00

Credit Monitoring Service
Paid to: Factual Data$4.50

MERS Registration Fee
Paid to: MERS$24.95

Appraisal Fee
Paid to: Amrock, LLC$510.00

Appraisal Management Services
Paid to: Amrock, LLC$250.00

Services You Can Shop For$3,037.00

  • Title-Settlement or Closing Fee
    Paid to: Closing Agent$1,100.00
  • Title-Notary’s Fees
    Paid to: Closing Agent$125.00
  • Title-Lenders Title Policy
    Paid to: Title Company$1,762.00
  • Title-Endorsement-ALTA 8.1
    Paid to: Title Company$25.00
  • Tax Certification Fee
    Paid to: Amrock Title California Inc.$25.00

Taxes and Other Government Fees$3,901.75

  • Recording Fee-Deed
    Paid to: Alameda County Recorder$20.00
  • Recording Fee-Mortgage
    Paid to: Alameda County Recorder$78.00
  • Transfer Taxes-City-Deed
    Paid to: Hayward$3,803.75

OTHER FEES $1,277

  • Title-Owner’s Title Policy (optional)
    Paid to: Title Company$1,277.00

Contact me Today

Christopher Marrs, Broker

DRELIC#01462591, NMLS#1927227

415-369-7337

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Open House This Weekend Sunday 12-5 Pm

This weekend, I will be opening up this amazing deal in San Francisco !

Apply online right now for NO LENDER FEES, NO APPRAISAL FEES (LENDER CREDIT FOR APPRAISAL) and other concessions available until Sunday at 5pm. Call 415-36-7337 for details.

This would be a great investment property. Check out the downstairs below…

Here is the link to Apply https://christophermarrs.floify.com/apply-now

Here is the disclosures to the property

Here is some Picutres:

Here is some payment options:

Purchase Price $1,200,000.00 ( Lets make an offer! )

Payment Options:


Down Payment: $264,000
ARM Fixed for 7 years adjusts every six months after, amortized over 30

Rate: 2.625%/ 2.863%
$3,759.45 Principal and Interest

30 YR FIXED ($264,000 Down)
$3821.14 Principal and Interest
Rate: 2.75 %/ 2.783%**

30 YR JUMBO WITH 20% DOWN ($240,000)
2.99 %/3.024 APR
$4,042.23**

Taxes and Insurance a month:
$1250 Taxes
$350 Insurance

**Total Fees:$14,084.34 (General Estimate, this is based on a 800 Fico SCORE, not to be used as a commitment or actual loan estimate)

Origination Fee :$9,360.00
Processing Fee $500.00
Underwriting Fee$999.00
B. Services You Cannot Shop For$1,250.50
Life of Loan Tax Service
Paid to: CoreLogic Tax Services$68.00
Flood Life of Loan Coverage
Paid to: Address Name: Flood Company$5.00
Flood Determination Fee
Paid to: Address Name: Flood Company$8.00
Credit Monitoring Service
Paid to: Factual Data$4.50
Appraisal Fee
Paid to: Amrock, LLC$915.00
Appraisal Management Services
Paid to: Amrock, LLC$250.00
C. Services You Can Shop For$3,389.00
Title-Settlement or Closing Fee
Paid to: Address Name: Closing Agent$1,100.00
Title-Notary’s Fees
Paid to: Address Name: Closing Agent$125.00
Title-Lenders Title Policy
Paid to: Address Name: Title Company$2,114.00
Title-Endorsement-ALTA 8.1
Paid to: Address Name: Title Company$25.00
Tax Certification Fee
Paid to: Amrock Title California Inc.$25.00
E. Taxes and Other Government Fees$91.00
Recording Fee-Deed
Paid to: San Francisco County Assessor-Recorder$20.00
Recording Fee-Mortgage
Paid to: San Francisco County Assessor-Recorder$71.00
H. Other$1,359.00
Title-Owner’s Title Policy (optional)
Paid to: Address Name: Title Company$1,359.00

Any questions on this property, give me a call at 415-369-7337

Christopher Marrs, Broker

DRE LIC #01462591, NMLS#1927227

Bay Area Mortgage Group NMLS# 1082110

#75 Hard 53 working Days

Today I started the 75 day challenge, first day is completed.

Two 45 min workouts, one of which has to be outdoors. I went to my gym and for a walk this morning.

The City of San Francisco has districts where second chance employees are allowed to work, such as someone who may have just been released from prison. These people are grateful for the employment and happy to do the work that no one wants to do, making San Francisco clean and beautiful. I felt an enormous sense of gratitude for my life and my skill set to preform my job,

In between I had to restructure one loan to a FHA purchase from a conventional financing. The buyer originally was going to pay some stuff off to keep their bottom ratio (that’s all debt including housing ) under 45% but home needs repairs, so we are going to not pay some stuff off and go FHA. Fha is flexible with the ratios , I have pushed a bottom to 55% before, let’s see .

Then I had to quote a VA refinance cash out in Sacramento. Property value of 480k 677 credit score loan amount of 384k interest rate of 2.5%, 2.781% APR NO lender fees.

Drinking a gallon of water is a challenge! Food is a challenge, I love donuts. I love fried food. I love carbs. Christmas is going to be great, 75 days from now, 53 working days. Since it is 53 working days, I just decided that I want to do a 53 loans till Christmas, Do you need to purchase or refinance? Call me 415-369-7337 or apply online at https://christophermarrs.floify.com/apply-now .

My friend, Jennifer Maki Loskamp of Coldwell Banker in Carmel by the Sea, gave me this book and work book as a birthday present, as I just turned 40. I have read this book before however this is an updated version with new interviews and just interesting insight. Read 10 pages which were basically an introduction today.

That is a wrap for Day One of the 75 day challenge.

Thank you for reading.

Christopher Marrs, Broker

DRE LIC #01462591 NMLS#1927227

Open House Sunday 3-5 Horse Ranch

Join Jennifer Maki of Coldwell Banker and I as we open up a 6 acre horse ranch in Gilroy,Ca Sunday October 3, 2021 3-5 pm. This amazing property has just been reduced $150k, adjusted to $850k

Call me 415-369-7337 cdmarrs@cdmarrs.com Christopher Marrs, Broker DRE LIC#01462591 NMLS#1927227 for a no fee mortgage with a great rate.

Jennifer Maki , Coldwell Baker DRE#01375818 can be reached at 805-538-3240 or Jennifer.loskamp@cbnorcal.com

7158 Redwood Retreat Rd, Gilroy, CA 95020