Khash Saghafi's (okstcwbys) Blog

My next 6 months. I never realized what I was fully capable of until I had the life scared out of me with my cholesterol numbers (read my previous posts in case you missed the story). After staying super disciplined with my diet for the last 6 months, my cholesterol dropped almost 100 points and ...

Did you know that a bankruptcy does not automatically disqualify someone from obtaining a mortgage loan? FHA requires you to be 2 years from the discharge of a Chapter 7. VA requires you to be 2 years from the discharge of a Chapter 7. USDA requires you to be 3 years from the discharge of a Chapt...

Did you know that FHA can insure a mortgage for a borrower with a score as low as 500? Of course, nothing comes free and nothing comes easy with that 500 score, but it can be done. When other lenders tell you that you need a 580 or 620 or 640, those are restrictions unique to THAT particular lend...

You are where you are because of the decisions which you have made and the actions which you have done; however, you can get to where you want to go if you believe in who you can be and allow yourself to do what you have the power to do. Think about that. You are where you are because of the deci...

Go big or go home!! We are doing some pretty big things at Liberty. My podcasts are still being worked on and we just finished our video room!! Social media is a must for any salesperson or business who wants to grow, establish and position themselves as the experts of what they do for their clie...

“The triumph cannot be had without the struggle.” Think of how powerful that saying is. It is easily one of my all-time favorites. It was said by one of the most famous track stars in United States history. She was stricken with scarlet fever and polio as a child and had to wear leg braces due to...

Think of marathon runners. Much of their run is uphill, but they do not give up. Most of the race is spent with no end in sight, but they do not give up. Their muscles cramp up, their legs tighten, their lungs burn and their bodies ache, but they do not give up. Not only is their body ready to qu...

Snooze the snooze button! Waking up early has improved every aspect of my day. My mind is not as cluttered with things which I have to do since I have more time to relax and think things through. I am not as rushed and do not feel as much pressure as when I used to wake up later. I actually eat a...

In recent seminars I have done, I have been blown away that real estate agents never knew about these 3 things when it comes to lending. I am going to try to explain 3 big reasons why lenders delay transactions at the last minute as to help shed some light on it since when it happens, people typi...

OK,  With the market being so hot right now and multiple offers coming in before you even hit the POST button to go live with a listing, I have been getting bombarded with more phone calls to validate my Pre-Approvals.  Not only do I understand it, but I have always recommended that a listing age...