Manny Kagan

Wisdom of The Day

If you do not know what happiness is get a dog and learn from it.

Tip of The Day

To sell fast and get more, get rid of pet odor.

Wisdom of The Day

Photography is the skill of capturing a moment. Photography becomes art, when it expands your imagination.

Tip of The Day

To sell fast and to get more, clean the basement and garage.

Want Lower Monthly Payments?
Choose Interest Only (IO)

A client wanted to buy a house for $1,250,000. He had $250,000 for the down payment and some money to show reserves. His middle credit (FICO) score was 765. As a result, his reserves had to be for only 3 months. (For some–a FICO of 740 requires reserves of 6 months.) Though he had good income, he needed to have low monthly payments since he would be paying off student loans for the next three years.

The solution was to take a loan fixed for 3 years Interest Only (IO). After 3 years, the loan will amortize for 37 years to keep his monthly payments lower than the conventional loan.

Since there was no out of pocket closing costs to get this loan and no prepayment penalty, he could refinance his loan after 3 years.

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

Don’t Forget to Attend Our September MeetUP Event!

Date: Thursday: September 11, 2014
Address: 2345 24th Ave., San Francisco, CA 94116 (Taraval Police Station)
Time: 6:30pm to 8:30pm
Flyer: Click here

RSVP on Meetup.com OR Facebook OR email Ausra@Pacbay.net

Wisdom of The Day

Remain childlike for as long as you can, even if others think that you are an adult.

Tip of The Day

To sell fast and to get more, clean and organize the closets.

Meet up with Manny for a night of sharing common interests and ideas. You will have the opportunity to meet people with common real estate interests who own or want to buy commercial or apartment buildings, share, or address any ideas and concerns.