Jay Oku's (jayo) Blog

With this monumental rise in mortgage applications both purchase and refinance it is not suprising that the banks are taking an extreme amount of time even to look at a Clean file... December 17th I locked 4.375% with a slight rebate for a client then within 2 hours the rates were back up to 4.62...

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 ye...