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.
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