Planet For Sale: Your Time to Prosper.

Calling all top feeders, bottom feeders, upsizing, downsizing, first time buyers, investors, empty-nesters, relocaters, starting over, post-financial holocaust, weak, hungry, huddled masses, veterans, newbies, X-ers, Boomers, whales, rollers and anyone with a job (sorry, that last one cuts it down by 11%): Wake Up! Opportunity is calling. Sometimes it leaves a message, other times not. Sometime YOU need to take the action to call opportunity.

"They" say more money was made during The Great Depression than was lost. If Einstein was right matter and energy can't be destroyed, only altered. If there is one thing that can always be found, it's more money. You just need to take off the blinders and set your own sail. "Can we do it?" It's up to you.

We can help: Team Townsley, silly clip art producers, great real estate financing solutions.

Pat Townsley: Out Standing In My Field

Money doesn't buy homes; People buy homes. Even when I'm 8,842 feet up on the top of Half Dome, I'm taking calls, quarterbacking challenges, insuring the closing of my coveted clients' dreams.
The market is coming around. Loans to Two and Four Million dollars are back on the radar and it's really time to sack-up and pick-up the phone to see what we can see. I've got the nation's top banks to deliver to you and your referrals.
When would Now be a good time to secure your future? In life and in rates, we have peaks and we valleys, and I'm always there, out standing in my field.
Pat Townsley: Relentless. www.ptre.net

Real Estate: The Best Investment Vehicle

Things are busy: Good thing, good sign. I've brought on an extra body to handle the work load and I'm looking to provide more people with loan consultations for refinance and purchase opportunities.
Investment properties are "cash flowing" and, as cliche as it sounds, there hasn't been a fixed rate loan opportunity like this in decades. Where are front-runner investors putting their money now? Real Estate: Historically the best investment vehicle (when played, planned and executed properly). Get on your horse and ride. Call me at PTRE and let's make history. Pat Townsley, Mortgage Whisperer. 415-485-1776. Close with Confidence.

Cute and Cuddly, boys. Cute and Cuddly.

Navigating today's mortgage market requires a team of special operatives working behind the scenes. My team at California Mortgage Advisors does just that work. As Skipper, I come up with the plan. Chris "Rico" Perez is our explosives expert, blowing holes in lender conditions and overcoming obstacles. Kowalski and Private are in the back office, dealing with the deluge of changing guidelines, documentation and the all new train wreck clogging up an otherwise imperfect system: Appraisal Management Companies aka "AMCs."
The good news is we're landing. The bad news is; we're crash landing.
Either way, we'll get your loan funded on time, every time.
Close with confidence.
California Mortgage Advisors: 415-485-1776

Optimistic or Pessimistic?

> There's a sense of optimism in the air; Phone is ringing, clients are coming out from their shelters.
> These 30-year fixed rates aren't going to last too long: FACT.
> Lenders are taking FOREVER to underwrite, review and then stick you in the eye with a red hot cheese knife: FACT.
> Values are falling, decreasing your equity: FACT.
> Even with all this, you should consider refinancing now, test the water with me. I've got a life raft to keep us afloat: FACT.

Pat Townsley, Senior Broker & Mortgage Banker. CA DRE #01234350. http://www.ptre.net/
California Mortgage Advisors; Strong & Secure

70% Solution: Are you one of them?

An estimated 70% of US Homeowners could benefit from refinancing. Are you one of them?
I am ready to take action to make it easy to get you into a fixed-rate mortgage that can mean savings and stability for years to come. Refinancing funds are available. Find out today how much you could save. Apply now.
Sound good, eh. I'll truly make it as easy as possible. It's the banks that that are slowing things down. Some banks are 30 to 45 days to do a deal, others are literally three months. It all depends on how fast you want to go, how much grief the underwriters want to give every single loan, and how well you qualify. Yes, Funds are available and 70% would benefit, but can you qualify. That is the million dollar question in today's market. Let's find out. I've got options. Real rates, realistic expectations.

Pat Townsley & CMA; Mortgage Broker and Mortgage Bankers. 415-485-1776.

A Gift for You: Quote Actions from Pat Townsley

Greetings friends and visitors. I'd like to offer you a gift that has been, inspirational, to say the least, in my life. It's a moment that gives me pause to reflect when all hell is breaking lose around me or, for some reason, I forget the food is burning, the kids have been left alone for a week, the house is on fire or I left the engine running and it's run out of gas and has also burst into flames: Quote Actions.

QuoteActions does more than some lame-o motivational quote. It takes a great quote and asks you to take a simple yet specific Action to make your day, your life, somebody else's life Better. My Gift to YOU, your gift to you. It's an opt-in and easy opt-out. Give yourself a gift! Click Here: QuoteActions!
Pass it on. Thanks. Pat Townsley. Inspired