Distractions Vs. Consistency

Life is full of distractions. Whether it’s video games, TV, children, the mall, housework, kids’ homework, diapers, car troubles, bills, a part-time job, nails, hair salon, car wash, a significant other, spouse, or even caring for a parent - the list goes on. These everyday interruptions can quietly impact our work, especially for those in real estate who often operate from home. I recently spoke with a friend who’s navigating this challenge. With a new girlfriend working remotely, their lives have meshed, and their mutual distractions have slowed his productivity. It reminds us how easily our focus can shift when personal and professional worlds collide.

So, let’s pause and ask: What are you doing with your day? Are you up early? What are you accomplishing? How many contacts are you making? What are you working on today - and tomorrow - that will grow your business? These questions matter for every independent contractor or work-from-home professional. Do you set daily, weekly, monthly, and annual goals? How are you getting business, and how are you making new contacts? Do you have a schedule, and if so, what priority does work have in that schedule?

I’ve built a routine that works for me: I’m in the gym by 5:30 a.m. on Mondays, Tuesdays, and Thursdays, have a 7 a.m. meeting on Wednesdays, and often golf early on Fridays, Saturdays, or Sundays. I work until the job is done, rarely leaving for personal reasons, usually staying until 7 or 8 p.m. My focus? Building my business, refining practices, and pursuing investments that fuel future growth. Even during the busy 2020 - 2021 market, I pushed for more, and now, nearing 60, retirement isn’t on my mind - I’m aiming for 10 more years of hard work because I love it, and who knows how I will feel at 70. Work is my priority, but I still make time for my kids, dad, girlfriend, and friends. I am a bit of a freak as I don’t vacation and don’t take days off! I always find something to do at work that will help me do more business down the road.

That said, I wasn’t always this way. I didn’t golf when my kids were young, and I started working out about 10 years ago, prioritizing family. Everyone’s journey is unique, and progress matters. Hours worked are less important than whether you were productive when you are working. Are you and your business in a better place today than a month or a year ago? How can you strengthen your business, life, kids’ futures, or parents’ well-being? Are you building something meaningful? Where are you headed? Do you have investments beyond your home? What excites you about your work?

I care deeply about everyone’s success and respect your challenges. But let’s be real - this market is not easy and needs your best efforts to succeed. Distractions are real, but they’re conquerable. Set a routine, track contacts, leverage tools, stay consistent, stay focused, and write down your goals. If you’re committed to working hard, staying consistent, and staying focused, then you have a much better chance of success in any market!

Please reach out if I can help you in any way! You are only as good as your effort!

Please let me know if you have any questions or if a client needs my guidance. I’m just a call, text, or email away.

📞 Cell: 661-714-6258

TEXT: 661-714-6258

📞 Office: 661-260-2970 ext. 2222

📞 Direct Line: 661-291-2222

📧 Email: Mike@AugustaFinancial.com

But wait, there’s more…

Interest Rates

Interest rates are struggling and have been going up for the past week. It is just a crazy battle to get these rates lower. CPI came in lower today, but that didn’t do much. Tariffs are still a concern; until we get that behind us, it will be a rocky road!

• We do loans on Non-warrantable condos!
• We offer 12-day escrows for pre-approved buyers - Conventional/FHA/Jumbo/Bridge loans.
• We provide loans in all 50 states, so call me with anything you need.
• Government loans (FHA/VA/USDA) are in the high 5’s and low 6’s.
• Conventional loans up to $806,500 are in the low to mid 6s.
• High Balance Loans from $806,501 to $1,209,750 are also in the 6’s.
• Jumbo loans above $1,209,750 are in the 6’s and 7’s.
• Bank statement loans are available with 10% down again, with larger down payments in the 6’s ++.
• Profit and Loss Statement loans require 20% down - no bank statements needed, only a profit and loss statement!
• 0 down loans are available in the high 6s, with a minimum credit score of 620, up to $1,300,000.
• Private Money lenders offer Hard Money Loans with 35% down.
• No Ratio Loans require 30% down.
• DSCR (Debt Service Coverage Ratio) loans are available with as little as 15% down.
• Bridge Loans typically have an interest rate of 7.99% with limited fees, helping you get where you need to go!
• 3/2/1 Buydowns, 2/1 Buydowns, and 1/0 Buydowns are available at great starting rates!

Please note that interest rates are subject to change without notice, and the information above reflects LA County Loan Limits.

**Good News for Condos:** – Nothing new!

**Bad News for Condos***

Nothing this week!  

The full state of California naughty list has been added to MikeMeena.com! See the link below:

https://mikemeena.com/non-warrantable-condos/

Let me know if you hear anything new about condos or townhouses.

I am available every day if you need anything.

📞 Cell: 661-714-6258

TEXT: 661-714-6258

📞 Office: 661-260-2970 ext. 2222

📞 Direct Line: 661-291-2222

📧 Email: Mike@AugustaFinancial.com

Have a great day, and an even better tomorrow! Please call me when you have a client who needs to borrow!