Behind The Shine 11/17/23

    Get ready for the latest updates on loan rates that will empower you to make informed decisions in the dynamic world of real estate financing.

    No matter if you’re a homeowner, a first-time buyer, or a savvy real estate investor, staying up-to-date with current loan rates is essential. In this week’s update, we turn our focus to rates specifically tailored for primary residences in California, featuring a 20% down payment, $500,000 purchase price, a 30-year fixed term, LPC. The DSCR rate is tailored for an investment in California, featuring a 20% down payment, a 30-year-fixed-term, BPC. Are you ready to dive into the details? Let’s explore the rates for conventional, FHA, VA, and DSCR Investment loans, providing you with the insights you need to navigate the financing landscape effectively.

    Conventional: 7.875%

    FHA: 6.990%

    VA: 6.990%

    DSCR Investment: 8.750%

    If you’re in the market for a loan and need assistance, our team at The One Brokerage is here to help. Visit our website here to explore our loan options and find the right financing solution for your real estate goals and email us at to speak to one of our loan officers.

    Ever felt the pulse of the economy? It’s a momentum thing, heavily swayed by psychology. Here’s the drill: when you feel prosperous, you spend. Your spending makes others feel wealthy, and the cycle continues. Real estate values soar, stock portfolios grow, and the spending spree kicks in. More dinners out, a fancier car – you name it.

    But, and it’s a big but, when rates go up, the money dance slows down. People tighten their purse strings, feeling less flush. The psychological shift from prosperity to caution is the game-changer. Slower money movement ripples across industries, affecting jobs, spending, and ultimately, our sense of financial well-being.

    It’s a delicate balance, hard to pinpoint and even harder to control. How do we keep the momentum alive? How do we encourage people to feel comfortable splurging and circulating money?

    In recent times, companies, eying their bottom lines, decided they could make do with fewer hands on deck. Cue the layoffs. It’s a stark reminder of how our perception of a steady job has shifted. W2s weren’t the enemy; they were stability. Many who once lamented having a job are now rethinking that stance.

    The lesson here? Economic dynamics are complex, and what may seem like a financial prison can become a haven when the economic winds change.

    Feared by their adversaries, revered by those they confronted, the Spartans stood as an elite force. Known for their unwavering commitment to safeguarding their comrades, an unquenchable determination to achieve their objectives, and a relentless pursuit of excellence.

    Introducing the Spartan League, an exclusive community of exceptional individuals passionate about real estate investing and finance.

    Crafted to strategize, share profound insights, and forge indomitable bonds, it serves as a rallying cry for those poised to conquer their market, master their impulses, and assert dominance within the industry.

    Enlist with us today and be part of a fellowship of champions, akin to the valorous warriors of ancient Sparta.

    If you’re primed to elevate your real estate investment and financial prowess, enroll now to access the tools of financial strategy and secure your position among the financial elite.

    Check out this clip from one of our recent mastermind calls where the CEO of Deal Finder, David Lecko joined us:

    Ever felt like real estate is a roller coaster you never signed up for? Trust me, you’re not alone. Let’s talk about the reality check: real estate isn’t always the smooth ride we hope for. Unlike the seemingly passive income from stocks, real estate demands attention, creativity, and yes, some elbow grease.

    Sure, stocks might be a button-push away, but when the market takes a nosedive, you’re at its mercy. Real estate, on the other hand, gives you the reins. When things get rocky, you’re not just a passenger; you’re the driver. A bit more effort, a touch of creativity, and you can turn the tide.

    In the world of ups and downs, real estate is your amusement park, and sometimes, you’ve got to roll up your sleeves to enjoy the ride.

    My latest book, “Pillars of Wealth: How to Make, Save, and Invest Your Way to Financial Freedom,” is now on the shelves! This book represents the culmination of my years of experience in real estate, finance, and wealth-building, and I’m eager to share it with you.

    In “Pillars of Wealth,” you’ll explore:

    ✅ Proven Strategies: Discover time-tested methods to make, save, and invest your money wisely, regardless of where you stand on your financial journey.

    ✅ Real-Life Stories: Gain insights from the journeys of individuals who have achieved financial freedom, learning from their real-life experiences.

    ✅ Actionable Advice: Find practical tips and guidance that you can put into practice right away to kickstart your wealth-building endeavors.
    Whether you’re at the beginning of your financial journey or well into it, this book offers valuable insights. I’ve invested my heart and soul into this project, and I believe it can have a significant impact on your financial future. Don’t forget to share your thoughts with a review!

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