Mortgage Solutions For You

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The Fresh Start Program provides mortgage financing to Borrowers that have experienced Short-Sale, Foreclosure, or Bankruptcy ONE YEAR AGO. The program has four tiers: A, B, C, D. The cost (interest rate) of the loans will depend on the type of program, FICO scores, Loan to Value (LTV), and credit.

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Spotlight

Date: Thursday: October 9, 2014  
Address: 33 Arroyo Drive, South San Francisco, CA 94080
Time: 6:30pm to 8:30pm 

Flyer: CLICK HERE

RSVP on Facebook  OR email  Ausra@Pacbay.net

Do You Know How To Pray?


 

“When praying for yourself, include others.”

In March 2014, Pope Francis marked the first anniversary of his election with a typically humble message, “Please pray for me”. Reading this brought many thoughts to my mind—“How can we pray for others? Can a Jew pray for a Catholic priest, for instance? To whom do we actually pray? And how do we know if our prayers are heard and answered? (“Be Careful What You Pray For…You Just Might Get It” is the title of the book by Larry Dossey, M.D.) Tradition prescribes for Jews to pray three times a day, for Muslims—five, and for Christians—before meals and anytime.)

“Pray without ceasing.” (1 Thessalonians 5:17)

 

In the film Gravity, there is a tense moment where the heroine, played by Sandra Bullock laments, “No one taught me how to pray”.

Many of us pray, even if we’re not religious. I have a friend who uses the prayer of St. Anthony to find lost things. (I wonder if it would work for finding lost clients?) And then there is the “Ho’oponopono” prayer that I wrote about before:

“Please forgive me, I am sorry, Thank you, I love you.”

 

When I discuss interest rates with my clients and we cannot lock in the rate right away (in most cases), I ask them if they know how to pray and afterwards, we pray for the best rate together. If we pray to one God, regardless if it is called “Yahweh” or “Allah”, why is there a division among His children? Perhaps we are only praying for our own small world, our limited needs, and fickle desires?

There is a story about two men praying next to each other. One is asking God to give him $100 to feed his children, another asks for a million dollars to develop his project. After a while, the project developer reaches into his pocket and pulls out a $100 bill and gives it to the guy next to him, and tells him to get lost with the words “You are interfering with my deal with God.”

I believe that prayers are answered–my friend finds parking spots. I am sure that with your help and our prayers, the interest rates will stay low, and many old and new clients will call for our tailored mortgage solutions. And I will continue to pray for you and your well-being. The Jewish New Year 5775 began at sundown on September 24th. I spent two days in the “Synagogue” praying for my and your well-being in the New Year. Please pray for me as well.

P.S.

In Cuba, the socialist government does not encourage religion, but those who still have faith, find solace in praying in the most beautiful churches.

You can see more of my images of Cuba in my book Soy Cubano, I am Cuban. It is available as an e-book for $9.99 on BLURB or you may also purchase a hardcopy, on Amazon, or just call me. I will be grateful to you, if you buy one, and send it as a gift to your friends for Thanksgiving. I call it a book of gratitude.

Do Not Keep Me As A Secret!
Smile And Please SHARE It With A Friend!

Cheers,

Manny Kagan, Ph.D
President
Pacific Bay Financial Corporation
DRE #00874630
NMLS #205637
Cell: 415-225-7920 
Manny@PacBay.net  

Mortgage Solutions For You!

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Peter was selling land and would net $250,000. To avoid paying capital gain tax, he wanted to buy another property using a 1031 tax deferred exchange. However, there were a number of issues connected to getting a mortgage. He was self-employed, his income was not high enough to qualify, his middle credit score was 696, and had some mistakes in the report, which would require time to correct.

As it happened, the next day after the real estate agent contacted us with the referral we “discovered” a new program which allowed a refinance and to get cash out loans for owners who own more than 10 properties, without showing actual income. We realized that though this program is unique and can replace private (hard money) loans which can have an interest rate up to 12%, the same program can be used for cases similar to Peter’s.

Whom Do You Know That Might Benefit From Our Tailored Mortgage Solutions?
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Spotlight
Don’t Forget to Attend Our October MeetUP Event!
More Information Coming Soon!
meetup

Date: Thursday: October 9, 2014  
Address: 33 Arroyo Drive, South San Francisco, CA 94080
Time: 6:30pm to 8:30pm 

Flyer: COMING SOON!

RSVP on Facebook  OR email  Ausra@Pacbay.net


Cheers,

Manny
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Manny Kagan, Ph.D / President  
Pacific Bay Financial Corporation
DRE #00874630
NMLS #205637   
Cell: 415-225-7920 
Manny@PacBay.net