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March 28, 2017

World Rate Drop 3 - The Reason

During his March 13 “listening session” on health care, Donald Trump told the citizens he’d convened to listen to him that the Affordable Care Act was “imploding.” Whether or not Republicans repealed and replaced it in the next few years, he said, “It’ll be gone … it’ll be imploded off the map.” Absent his intervention, the physics teacher–in-chief seemed to imply, Obamacare will collapse on itself as the differential between high external pressure and low internal pressure creates an inward pull. He reiterated in a tweet the same day that this concentration of matter and energy in the space formerly occupied by Obamacare would end in “disaster.”

But later, after the Republicans’ health care proposal likewise succumbed to the entropic imperatives of science, Trump revised his evaluation. “I’ve been saying for years that the best thing is to let Obamacare explode and then go make a deal with the Democrats,” he told Robert Costa. “The beauty is that they own Obamacare. So when it explodes, they come to us.” Later, in a tweet, the president seemed to suggest he might craft a new plan from the literal detritus of the Obamacare combustion.
An explosion, not an implosion. Hmm.
It is true that explosions can be beautiful. Fireworks are controlled explosions generated by the artful intersection of gunpowder, a shell, and a lit fuse. For a while last week, it seemed as though the end of Obamacare might be a spectacular light show, one ignited by Paul Ryan’s indifference to poor people, Trump’s hostility toward his predecessor, and the Democrats’ inability to sell their own legislative achievement.
Yet the rockets backfired. The bombs burst in midair. When Friday night ended, the ACA was still there.
Trump’s consistency as a metaphorist was not.
An explosion—the “rapid increase in volume and release of energy in an extreme manner” that occurs when potential energy is converted to work—sounds more dramatic than an implosion. It’s understandable that as Trump comes to terms with his American Health Care Act setback, he is reaching for even more lurid language to describe Obamacare’s dangers. Explosions generally entail high temperatures and the venting of gases, which can mask the deadliest part of the reaction: the shock wave (a rapidly moving rise in pressure). Trump is right to note that an Obamacare explosion would radiate a wall of force that might cause real damage for the Democrats, though his faith in the blast’s ability to discriminate between liberals and conservatives appears misplaced.
Can Obamacare both implode and explode at the same time? If an implosion concentrates matter and energy but an explosion disperses it, how would that work? Is the president confused about what words mean, or is he playing chess in an as-yet undiscovered dimension in which the pawns implode on impact but also explode on impact?
Explain, Mr. Trump!
Obamacare is “imploding and soon will explode,” he clarified to Fox after his party pulled the vote. “And it’s not going to be pretty.”
Right now, in other words, the ACA is experiencing a violent compression. It is like a submarine crushed by the weight of the sea or a star converting its mass into a far denser black hole. Soon, however, the ACA will erupt into an exothermic death trap like ammonium nitrate combined with fuel oil.
If you’re still not sold on this metaphor, you should know that certain reactions can involve both implosion and explosion. For example, as the website ScienceLine explains, nuclear bombs go off “when unstable material reaches a certain critical density.” To help the isotopes achieve that density during detonation, “smaller explosions occur all around the outside of the material. All these little explosions push inward on the material in the center, causing it to implode.”
Remember, Trump’s timeline has the ACA imploding and then exploding. There’s a sound figurative logic here if you interpret an “implosion” as a quieter process with fewer visible consequences for the surrounding world. In the president’s analogy, the “implosion” consists of rising premiums driving healthy customers away from insurance plans. The “explosion” will transpire when insurers, unable to make money because the healthy customers are gone, flee the market as well. As descriptions of death spirals go, Trump’s makes some intuitive sense.
In reality, though, Obamacare is not as moribund as its critics would have you believe, according to the most recent analysis from the Congressional Budget Office. If it’s not imploding or exploding or imploding then exploding, then what is the present state of Obamacare?

Obamacare Is Imploding! 

Obamacare Is Exploding!

Photo illustration by Natalie Matthews-Ramo. Photos by Thinkstock and Andrew Harrer-Pool/Getty Images.

Donald Trump has said both. Does he know something about physics that we don’t?

Which of the below images looks more like Obamacare?
Here are a few alternative framings.
The ACA is not implodingIt is a glob of toothpaste being squeezed onto a toothbrush by a drunk person.

It’s meeting some of its objectives, but there’s also a lot of waste.
The ACA is not waiting to explode. It is a golf ball rolling around the putting green at Mar-a-Lago.

It keeps missing the hole, but with a bit of concentration and luck, it will get in there eventually.
The ACA is not imploding or about to explode. It is a cool, refreshing stream of water coming out of a water fountain and hitting a kid on the head.

Health care is moving in the right general direction, but there’s certainly room for further adjustments.
And here, in GIF form, is our assessment of President Trump’s metonymic abilities:
Washing cars can be so difficult.
Is that clear? I thought so.

March 17, 2017

So EZ Mortgage Does Not Require Condo Questionnaire

So EZ Mortgage is proud to offer our clients a streamlined approach to approving condo loans*. It expedites the process and eliminates certain fees to the client.

  • No condo questionnaire. 
  • No condo docs. 
  • Less hassle.

Effective with new loan submissions on or after March 15, 2017, select condo loans will use this new streamlined condo approval process.

How does this bring my value?

  1. Greater Speed. Take weeks out of the process by eliminating the entire condo questionnaire and condo document review process. 
  2. Reduced Risk. Eliminate risks of non-qualification through elimination of the documents  above.
  3. Decreased Cost. Save the client $200 or more per transaction by removing the fee that condo associations charge to complete a condo questionnaire.
1, 2, 3, It's so Easy, it's like funding mortgages, for no cost, baby!

March 8, 2017

Increase Your Credit Score With Amy - It's So Easy

Many clients have found out after reviewing their credit profile that their score is not high enough to get the lowest rates. In order to get their score higher they had many obstacles to overcome. The first is determining what is causing the undeserved score and how to correct it. Nothing else matters at this point.

The best way to do this in my experience is by letting your loan officer send a copy of your credit report to Amy Martinez with Rising Point Solutions. She will asses the report and determine what items are curable, how long it will take and the cost to do so. She does this for FREE. She is a true professional and weather you hire her or not, you wont regret letting her give you her free assessment.

Cell: 714-815-8417
Work: 866-655-4411

I have referred Amy to several clients, and every time they let me know how thankful they are. So far she has increased over 8 of my clients scores with 100% success rate. Or if you just want to read how to fix your score yourself, you can find helpful information on her site at or

The minimum cost is $100, the maximum is normally $600. She corrected my wife's report and it went from in the 500s to the 800s in 4 months and cost $400.00.

Home Value Predictions 2017

Since the rates are now under control and values are changed by rates, I would say it's a good bet that values will rise for eternity. However, the question you have to ask, is where. Location, always has been the name of the game, and it is now more than ever the rule to play by.

Take a look at the new program Home Possible. Right now I can give people who have low scores, high DTI's some normally to high to qualify for a bad rate let alone a good one, a loan with a rate as low as if they had the highest score and the most amount of equity. Even if they are only putting 3% down. Without MORTGAGE INSURANCE. WITHOUT A HIGH RATE. This enables the buyer to offer a higher amount, 25k-75k more home for the same payment, just because of a program.

The real interesting part is that we are steering the buyers. Just google, Home Possible Lookup Tool, then type in your address. It will look like the picture below, if it says No Limit, than anyone can buy the home even a millionair. But if it says 65k limit, then if a buyer makes 66k a year, he cannot buy the home. Even if he switches out of the program to a normal loan, other factors will put his DTI too high, making it so he can spend the extra money, but not on your house. Only where we want you to spend the money.