We are offering the BEST JUMBO loan product, we believe, in the country. People ask us HOW can we offer these rates. Well the answer is in low overhead. We’re not flashy. We are simply the faster, cheapest and the best overall value of any direct lender in the business.

No crappy loans. No predatory lending. Just good old fashioned hardwork AND low overhead!

Being in business 41 years gives us a leg up on every vendor out there.

We use the KISS principle and our clients love us for it!

Simply Fast-10-14 days closing to funding.
Simply Affordable-just look!
Simply the BEST customer service in the industry because we know loans!

Check out these rates. Most companies can’t even offer a good jumbo loan product.

Not only can we offer the loan product, we give our clients rates NO other lender can even come close to…

Call Patti@centralbancmtg.com before this opportunity passes you buy.

Remember…low overhead. That’s our KEY

Jumbo Loans to purchase a house above $417,000 or Super Jumbos!

“There’s always a way – if you’re committed.” “

The truth is that we can learn to condition our minds, bodies, and emotions to link pain or pleasure to whatever we choose. By changing what we link pain and pleasure to, we will instantly change our behaviors.” “We aren’t in an information age, we are in an entertainment age.” “Beliefs have the power to create and the power to destroy. Human beings have the awesome ability to take any experience of their lives and create a meaning that disempowers them or one that can literally save their lives.” “Take control of your consistent emotions and begin to consciously and deliberately reshape your daily experience of life.” “One reason so few of us achieve what we truly want is that we never direct our focus; we never concentrate our power. Most people dabble their way through life, never deciding to master anything in particular.” “Live with passion!” “Once you have mastered time, you will understand how true it is that most people overestimate what they can accomplish in a year – and underestimate what they can achieve in a decade!” “We are the only beings on the planet who lead such rich internal lives that it’s not the events that matter most to us, but rather, it’s how we interpret those events that will determine how we think about ourselves and how we will act in the future.” “The path to success is to take massive, determined action.” “In life you need either inspiration or desperation.” “Remember, a real decision is measured by the fact that you’ve taken new action. If there’s no action, you haven’t truly decided.” “I’ve come to believe that all my past failure and frustration were actually laying the foundation for the understandings that have created the new level of living I now enjoy.” “Using the power of decision gives you the capacity to get past any excuse to change any and every part of your life in an instant.” “We will act consistently with our view of who we truly are, whether that view is accurate or not.” “You always succeed in producing a result.” “What we can or cannot do, what we consider possible or impossible, is rarely a function of our true capability. It is more likely a function of our beliefs about who we are.” “It is in your moments of decision that your destiny is shaped.” “The secret of success is learning how to use pain and pleasure instead of having pain and pleasure use you. If you do that, you’re in control of your life. If you don’t, life controls you.” “The way we communicate with others and with ourselves ultimately determines the quality of our lives.” “A real decision is measured by the fact that you’ve taken a new action. If there’s no action, you haven’t truly decided.” “There is no such thing as failure. There are only results.” “To effectively communicate, we must realize that we are all different in the way we perceive the world and use this understanding as a guide to our communication with others.” “It not knowing what to do, it’s doing what you know.” “You see, in life, lots of people know what to do, but few people actually do what they know. Knowing is not enough! You must take action.” “The meeting of preparation with opportunity generates the offspring we call luck.” “There’s no abiding success without commitment.” “We can change our lives. We can do, have, and be exactly what we wish.” “For changes to be of any true value, they’ve got to be lasting and consistent.” “People are not lazy. They simply have impotent goals – that is, goals that do not inspire them.” “Most people have no idea of the giant capacity we can immediately command when we focus all of our resources on mastering a single area of our lives.” “You see, it’s never the environment; it’s never the events of our lives, but the meaning we attach to the events – how we interpret them – that shapes who we are today and who we’ll become tomorrow.” “Want to learn to eat a lot? Here it is: Eat a little. That way, you will be around long enough to eat a lot.” “The higher your energy level, the more efficient your body The more efficient your body, the better you feel and the more you will use your talent to produce outstanding results.” “In essence, if we want to direct our lives, we must take control of our consistent actions. It’s not what we do once in a while that shapes our lives, but what we do consistently.” “If you want to be successful, find someone who has achieved the results you want and copy what they do and you’ll achieve the same results.” “It is not what we get. But who we become, what we contribute… that gives meaning to our lives.” “Only those who have learned the power of sincere and selfless contribution experience life’s deepest joy: true fulfillment.” “Successful people ask better questions, and as a result, they get better answers.” “I challenge you to make your life a masterpiece. I challenge you to join the ranks of those people who live what they teach, who walk their talk.” “How am I going to live today in order to create the tomorrow I’m committed to?” “Surmounting difficulty is the crucible that forms character.” “If you do what you’ve always done, you’ll get what you’ve always gotten.” “My definition of success is to live your life in a way that causes you to feel a ton of pleasure and very little pain – and because of your lifestyle, have the people around you feel a lot more pleasure than they do pain.” “It’s not the events of our lives that shape us, but our beliefs as to what those events mean.” “The only limit to your impact is your imagination and commitment.” “Whatever happens, take responsibility.” “Life is a gift, and it offers us the privilege, opportunity, and responsibility to give something back by becoming more.” “Success comes from taking the initiative and following up… persisting… eloquently expressing the depth of your love. What simple action could you take today to produce a new momentum toward success in your life?” “Stay committed to your decisions, but stay flexible in your approach.” “Passion is the genesis of genius.” “Setting goals is the first step in turning the invisible into the visible.” “When people are like each other they tend to like each other.”

We seek it here, we seek it there. We seek happiness everywhere.

Yet it eludes us. All of our activities — our pursuit of fame and fortune, our quest for meaningful relationships, our drive to build or change things — are directed searches for this ephemeral state. We get there, but we can never heave a lasting sigh of relief because the feeling is gone almost immediately.

Can happiness be a permanent member of our household rather than an occasional and erratic visitor?

Think on this parable from psychotherapist and Jesuit priest Anthony de Mello:

“A group of tourists sits in a bus that is passing through gorgeously beautiful country; lakes and mountains and green fields and rivers. But the shades of the bus are pulled down. They do not have the slightest idea of what lies beyond the windows of the bus. And all the time of their journey is spent in squabbling over who will have the seat of honor in the bus, who will be applauded, who will be well considered. And so they remain till the journey’s end.”

Too many of us are like those tourists, engaged in petty power struggles while the true beauty of life lies all round us, unobserved and unappreciated.

I see this all the time in the seminars I conduct. I have the participants call out things that would make them happy, and I write them on a flip chart. The list grows to 50 or 100 items in minutes.

Wealth is a common desire. Not run-of-the-mill, garden-variety wealth but a fabulous fortune. A trophy spouse is also popular, though people rarely label it as such. Instead the ideal spouse is described as extraordinarily good-looking and, as a self-justifying afterthought, intelligent to boot.

Lots of other items come up, too, including travel, good health, great sex, friends, loving relatives, and interesting work.

The truth is, none of those things is necessary for happiness. None of them.

This is an extremely important point. Because all of those things are dependent on outside circumstances that will never be in your control. And doesn’t that make the quest for them an extremely frail reed to lean on?

Don’t confuse true happiness and soul-satisfying joy with the temporary satisfaction you get when you gratify your ego. Your happiness is not dependent on your wealth, your intelligence, or your abilities. Your happiness is not even contingent on your continued good health or having loving friends, relatives, or significant others.

In fact, happiness is already a part of your nature. There is nothing you have to get in order to be happy. All you have to do is allow your inner happiness to surface.

When I get to this point in my seminars, I generally have a revolution on my hands. How can people be happy if they live in extreme poverty? Or if they are afflicted with a painful disease? Or if they have no friends or loved ones? Or if they’re in any other hypothetical situation along those lines?

Yet the statement holds. There is nothing you have to get in order to be happy.

One question remains. If happiness is our nature, why do we not experience it more often? Why are our lives filled with angst and sorrow?

The answer is simple: We have constructed mental models for ourselves in which happiness comes as a result of getting something — money, power, fame, etc. In the reality that we have created and that we live in, our achievements define us. We are “better” if we are “successful.”

The media reinforces those beliefs, subtly painting pictures of what successful and happy people have and look like. Your parents reinforced them too, imprinting on your mind that what they found valuable was what you should value. In all probability, they got their beliefs from their parents and accepted them without question. Your friends, relatives, teachers, classmates, and coaches all played a role. So did the movies and TV programs you watched, the books and magazines you read, the music you listened to, and what you observed in the world around you.

They all contributed to your mental model. And they succeeded because you did not question the beliefs and values they presented to you. But now, in your quest for happiness and freedom, you must question them.

When you want something — and you get it — there is a brief moment when you are content, when you are not your habitual wanting self. And in that moment, you experience the happiness that is always a part of you. You are content. And full. But the very next moment, some other desire raises its ugly head and you are off on another fruitless quest for happiness. It is a never-ending cycle.

The problem is that you do not realize why you experience that moment of happiness. You do not recognize that it is because, at that moment, you are free from want. The happiness springs from an acceptance of the Universe as it is. It is your innate nature bubbling forth in the absence of the bonds you put on it with your incessant demands.

Instead, you attribute the happiness you briefly felt to the acquisition of whatever it was that you got. And so you try to get the next thing, and the next thing, and the next thing.

If you go barreling through life, desperately doing things to make yourself “happy,” happiness will elude you. It is like a puppy that runs away when you try to entice it to come to you. But as soon as you ignore it and start reading your newspaper, you feel its cold nose in your hand.

It really does work that way. You are bound by the things you own as long as you need them emotionally. The moment you sever this psychological link, you will experience freedom, a marvelous sense of liberation that cannot be described.

Think back to your life 10 years ago. You had a list of wants at that time, things you thought would bring you lasting happiness. Odds are, you now have many of them. Have they made you happier than you were back then? Probably not.

Pick any item you currently desire. Now imagine yourself as a 95-year-old person about to leave this world. From that perspective, does having that item really matter? Again, probably not.

Enjoy, truly enjoy, what you have. Strive for what you do not have but want. But strive joyfully, knowing that the pleasure is in the doing, not in the getting. If you succeed, wonderful. If you do not, still wonderful.

P.S. Finding true happiness won’t happen overnight. With my Personal Mastery Success Program, you’ll get all the tools you need to make a break with negativity, sadness, and disappointment. Soon you’ll be living your life to its true potential.

—————————————————–Highly Recommended —————————————————–

“If a picture truly is worth a thousand words, we’re about to make a hell of a lot of money!” - The multi-billion dollar “home shopping” industry got its start on cable access. It was a low-budget public access “operation” run by three guys in Clearwater, Florida. Before they had even made their first dollar their success was a sure thing. They had the “Billionaire Mindset”…

 You get more out of your relationships with others — more easily — by not approaching them directly. It’s because of something called the Law of Indirect Effort. For example, if you want to impress someone, the direct way to do it is to point out your admirable qualities and accomplishments. But talking about yourself usually makes you feel a little foolish. (And sometimes embarrassed.) The indirect way to impress another person is simply to be impressed by him. The more impressed you are — by who he is or what he has accomplished — the more impressed he will be by you. If you want to get someone interested in you, the direct way is to tell him all about yourself. But the indirect way works better. Simply become interested in him. The more interested you become in him, the more interested he will become in you. If you want to be happy, the direct way is to do things that will make you happy. However, the most enjoyable and lasting form of happiness comes from making someone else happy. It’s the Law of Indirect Effort at work again. When you do or say anything that makes someone else happy, you feel happy yourself. You boost your own spirits, your own self-esteem. How do you get another person to respect you? The best way is to respect him. When you demonstrate respect or admiration for another person, he feels respect and admiration for you. Sociologists call this the Principle of Reciprocity. When you do something nice for someone else, that person will want to reciprocate by doing something nice for you. (Most romances and friendships are based on this principle.) How do you get a person to believe in you? The answer is to believe in him. By showing that you have confidence in him, he will have confidence in you too. You get what you give. What you send out, you get back. The most important application of the Law of Indirect Effort has to do with developing a healthy personality. You are structured in such a way that everything you do to someone else has a reciprocal effect on you. Everything you do to raise the self-esteem of another person raises your own self-esteem — at the same time and in the same measure. Since self-esteem is the hallmark of a healthy personality, you can actually improve the health of your own personality by taking every opportunity to improve the health of the personalities of others. What you sow in the lives of others, you reap in your own life. Everyone you meet is carrying a heavy load. This is especially true in the area of self-esteem and self-confidence. Everyone grows up with the need to be praised and recognized. No matter how successful or how elevated people become, they still need to have their self-images reinforced. There is a line that says, “I like you because of the way I feel about myself when I am with you.” This line contains the key to human relations. The happiest men and women are those who make other people feel good about themselves when they are with them. When you go through life raising the self-esteem of others, opportunities will open up. And people will help you in ways you cannot now imagine. So take every opportunity to say and do things that make other people feel more valuable. Each time you express a kindness toward another person, your own self-esteem improves. Your own personality becomes more positive and healthy. The way to raise the self-esteem of others is simply to make them feel important. Everything you do or say that makes another person feel more important boosts his self-esteem at the same time. When you practice the Law of Indirect Effort — going through your day looking for ways to make others feel important — you will be popular and welcome everywhere. You will be healthier and happier. You will get more real satisfaction from life. You will have lower levels of stress and higher levels of energy. You will experience greater peace of mind. Above all, you will genuinely like and respect yourself. [Ed. Note: You can become a more positive, persuasive, influential person with Brian Tracy's The Power of Charm.Many of the most successful people in the world, and throughout history, have been described as "charming." In this one hour CD, you will learn how to become more charming with everyone in your life. Get yours today.]

January 2-February 20, 2009

Tuesdays at MICC 6:30-8:00pm for Intermediate to advanced H.S. (with Patti) 

Thursday at KCAC 6:30-8:30pm (with Patti) for Advanced JO.

Thursday at MICC 6:30-8:00pm (with Dani) Mercer Island CC.  

Sundays at MICC:

5:30-6:30 Boys only ages 8-12 (Beg./Inter.)

6:30-7:30pm Girls only ages, 8-12 (Intermediate) 

7:3o-8:30pm  H.S. and Advanced JO

Hope this helps. We are looking to add another high school class on Tuesdays and Thursdays from 8:00-9:00pm if anyone is interested.

Email me at: pattisoutherland@hotmail.com if you are interested.