Life English -7 Make yourself
I. EXAMPLES:
Make yourself at home. Help yourself to some fish.
Help yourself to the refrigerator.
Help yourself to some steak. I made it especially for you
II. DIALOGUES:
A: Thanks for inviting me over for dinner this evening.
B: You’re welcome.
A: It looks delicious.
B: Well here. Help yourself to some shrimp. It’s fresh.
A: Thank you. Mm… It tastes delicious.
B: Have some more. I don’t want you to leave hungry.
Life English -6 not only , but also
I. EXAMPLES:
He is not only humorous, but also patient.
He is not only a good leader, but also an eloquent speaker.
I’m not only going to the party, I’m also going to sing at it.
Not only do I support you, so do your acquaintances.
II. DIALOGUES:
A: Have you seen the movie Gone with the Wind?
B: Yeah. I think Vivian Leigh is beautiful.
A: She’s not only beautiful; she’s also a talented actress.
B: Yes, I’ve enjoyed all her movies.
A: Which one is your favorite?
B: I like her best in A Streetcar Named Desire.
Life English -5 so- that
I. EXAMPLES:
I was so interested in the film that I went to see it several times.
It’s so hot that none of us want to go out.
He speaks French so well that we think he is a Frenchman.
II. DIALOGUES:
A: Can you believe the weather we’ve been having lately?
B: Yeah, it’s really hot, isn’t it?
A: It’s so hot you can fry an egg on the sidewalk.
B: Maybe you’re exaggerating a little bit.
A: OK, maybe it’s not that hot. But it’s hot enough to get a heat stroke.
B: You make it sound so hot, I don’t want to leave my air-conditioned house.
Life English -4 have a dream
have a dream
Two men were digging a ditch for an American railroad company. One has just started working and the other has been doing the same thing for decades.
asked a young man who had just started working. “Isn’t the person who got off the Chairman’s limousine last evening, isn’t it?” said the old man. “You are right. We had dinner with the president.” The young man was curious and asked again. “How do you eat with the president?” “The president and I have been friends for a long time.” We did the same ditch digging a long time ago. The president had a dream and worked every day, and I worked to make money.
Our client wanted to refinance his current VA loan.
The client wanted to refinance, using his VA benefits, to get a lower monthly payment with no out-of-pocket expense, and no appraisal needed. In addition to not coming out of pocket he wanted to keep his closing costs to minimum so he could preserve as much of his equity as possible. The mortgage payment needed to be low enough so his breakeven point would be realized in 24 months or less, since he was not 100% sure he would be in the current home past 48 months. So the deal had to be as attractive as possible.
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During processing, we found out that a 3rd party lien was attached to the title of the property. Without clear title the loan could not be funded.
The Challenges
We worked with the attorney and title company to find proof that this lien was a mistake. Proof was sent to the abstractor and the lien was removed giving us a “Free & Clear” title. Working quickly and contacting the right people allowed us to fix the issue and get the loan funded.
We were able to help our client get a lower monthly payment, save thousands of dollars worth of interest over the life of the new loan. We were able to get this done without an appraisal or income check and the deal closed in just 17 days!
Our client was relocating to a new city and was looking for a home big enough for his family that was within his monthly budget.
The client relocated from California to metro Atlanta and needed to purchase a condo big enough for his growing family. The client was adamant about putting down as little as possible, but needed to maintain a payment within his budget. The other main requirement was being able to purchase something at the high end of his budget. He wanted to make sure the home would be in the right area for future resale or rental opportunity.
The main challenge here was to find a program that would allow for a conventional loan since it was a condo, low-down payment and reduced mortgage insurance. Staying under a specific amount for a monthly mortgage budget was key for this client.
The Challenges
We researched all 26 lenders and banks that we work with and found a perfect program that checked all the boxes. The program was the Freddie Mac 3% Home Possible program for first time home buyers. It offers a low-down payment, reduced mortgage insurance and offers competitive rates, especially on a condo purchase.
We were able to secure financing for an amazing condo, in the right zip code, for just the right price. We were able to get the client approved fast and had their loan closed within 28 days.
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