How was your Christmas/ Hannukah and New Years?!
Happy New Year 2009 from our family to yours!
The Year started off fantastic for my lovely wife Yuka, and baby Ai (now 15 months) and myself.
Rates in the 4% range!!! Perfect Christmas present!!!
Fortunately we were able to give back a lot this year as well; the first five refinances of December 2008 I was able to save my repeat clients over $260 each ($880 mo. on one) on their monthly mortgage payment!
Just tonight 1.5.09 I recieved this New Years note from a customer that is closing tomorrow:
Thank you so much Jay, you are really getting us off to a good new year and I appreciate that. I feel really good about what you have helped us to accomplish, especially because we are dealing with a local bank and that's what we wanted to do for the longest time.
I hope all of your customers know what a great job you can do for them and appreciate you and all your staff that makes it happen. It is very hard to find honest people like you and especially people who deal with your finances. I feel very blessed and honored to have crossed path's with you on a personal level as well as professionally.
Many thanks - Erica
So as the refinance pipeline fills up more and more each day I always take a mintue to reflect on how fortunate we are to be able to help people in the midst of the worst precipitous economic decline since the Great Deppresion. Those of us who held on when things looked real grim are now able to come back up and breath again; to thrive again. I am especially grateful for relationships with friends and business associates like David and Tonya Kucic of Re/max Honolulu who maintain the most optimistic and always positive attitudes. They have consistently validated me as their loan officer to their clients and I appreciate it. If you are in the market to purchase real estate in Hawaii you definitely want to visit their website; you will be WELL looked after.
Last but not least I just want to thank the Active Rain Community for its positive outlook and support throughout this crazy point in history. Just having this community make tough days better.
and Very Lastly but most importantly... Thank you to our troops and their families for making sacrifices so we can carry on our lives in saftety! Bless you all and come home safely!
Happy New Year and keep up the great work.
A Hui Hou!