Your Dream Home is My Mission

🚨 New listing in sought-after Shadow Mountain Terrace community! We’ll-maintained 2-bedroom, 2.5-bath townhome 🏠 🌳 #lakeviewterrace #sylmar #equestrian Offering 922 sq. ft. of living space, this home provides comfort and convenience on a peaceful, tree-lined street. Inside, vaulted ceilings and natural light create a bright and open atmosphere. The living area leads to a private outdoor patio, perfect for relaxation or hosting guests. Upstairs, two spacious primary suites each feature a full bathroom. A convenient half bath is located on the main level. The home includes newer water heater, new A/C unit, installed less than a year ago, and has a laundry area located in the two-car garage with direct access. Close to Hansen Dam Recreation Center, hiking trails, a golf course, and other local amenities, this townhome offers a wonderful living experience in a prime location.

I’m sure we all don’t like to think that mortgage insurance is a good thing, but hear me out… it allows us to buy without using a 20% down payment! Even up to 4 units as long as you live in one unit (other terms apply for multi units). Reach out for more info. Also, if you serve or have served in the military you may qualify for a no down payment purchase. . . . #realestate #homebuyers #realtor #broker #losangelesrealestate #homebuying #househacking #financetips #finances #personalfinance #homesweethome #housing #housingmarket

Happy Birthday to me! 🎉 Another year wiser and more determined. As I celebrate today, I’m grateful for my health, my wifey, my family and the opportunities in real estate and financial coaching that lie ahead. Here’s to achieving my goals, from diving into multi-family real estate investments to crossing the finish line of that triathlon. Life’s an exciting journey, and I can’t wait to see what the future holds! 🎂🥳🏡💪👩‍❤️‍👨🏘️💍

Here’s a tweet.. err a Xeet. I mean a ... what do you call it 🧐 ?? . . #homeownership #realtor #finances #broker #investment #rental #rentalproperty #reels #investors #home #homes #casa #homeowners #dodgers #housing #instagram #reels #igreels #instareels #echopark #silverlake #losangeles #homeseller #housebuying #homebuying #homebuyingtips #loan #credit #realtor #realtors #california

🏢 🏘️ Unlock Financial Growth with Multi-Family Real Estate! Attention Business Owners: Did you know that investing in multi-family properties can be a game-changer for your financial portfolio? 📈💼 🏠 Steady Passive Income: Imagine earning rental income from multiple units, providing you with a consistent source of passive income every month. This means you’re building wealth while focusing on your business! 💰 💼 Tax Advantages: Multi-family properties offer tax benefits that can significantly reduce your overall tax liability. Deductible expenses, depreciation, and more can all work in your favor, boosting your bottom line come tax time. 💡📊 🏦 Wealth Building: Multi-family real estate isn’t just about today, it’s about securing your financial future. As property values appreciate and your rental income grows, you’re building equity and creating a strong foundation for long-term wealth. 🏦📈 Ready to take your business-owner savvy to the real estate arena? 🚀 Let’s chat about how multi-family investing can align with your financial goals and power up your wealth strategy. 💼🏠 Drop a comment below or send a message to learn more! 👇📩 Disclaimer: Always consult your tax professional or financial advisor for personalized tax advice. #RealEstateInvesting #WealthBuilding #PassiveIncome #BusinessOwners #FinancialFreedom #MultiFamilyProperties #entrepreneur #solopreneur #boss #business #realtor #broker #mortgagebroker #financetips #finances

🏠📈 Housing Update: Rollercoaster Ride! 🎢 Hold on tight, folks! 🏡 Home prices have soared 4% from Feb to May, according to the CoreLogic S&P Case-Shiller Index. But here’s the plot twist: today’s prices are just below last year’s. 🦸‍♂️ NAR’s chief economist declares the housing recession OVER, citing rising pending sales and scarce inventory. 🔑 Multiple offers? Yep, blame it on the supply drought! 🌊 ⚔️ No more bidding wars, though! Redfin says they’re down 15% from last year. And mortgage rates? They’ve hit their peak, now set to slim down by 2024. 🏰 💰 Brace for steady prices this year, but a 2.6% rise and 15% sales surge by 2024! And don’t forget, the construction crew’s coming back in 2024. 🏗️ 🎢 So hang tight, housing adventurers! The market’s full of surprises! 🏡🌟 #HousingRide #MarketTwists . . Remember real estate markets are hyper local and will vary. For an in depth analysis of your home and neighborhood reach out 📲

Good score > bad score 🤷🏽‍♂️ better loan pricing, more options for you 👌🏽 #mortgage #mortgagebroker #mortgagetips #credit #fico #loan #homeloans #banking #california #losangeles #igreels #instagram #finance #financetips

Got my hands on some blue gold 🐟 📸 @mortgagebrokersal . . #bluefin #sushi #sandiego #ensenada #overnight #angler #fishing

What month do you think the “correction” happens? LMK below! . . #economy #jobsreport #business #realestate #bonds #mbs #supplyanddemand #supplychain #american #economy #trade #housing #housingmarket #igreels

Want good credit? Do this. Don’t this. #realtor #credit #finance #financetips #budget #mortgage #money #realestate #investor #homesweethome #successtips #housing

Saturday’s meet was major. #adu #accessorydwellingunitlosangeles #investment #realestate #realtor #broker #mortgagebroker #equity #value #valueinvestor #valueadded #valueinvesting #housing #realtalk

Learn. Connect. Build. ADU Academy with a phenomenal professional workshop. ADU Designated! Deep insight about the future of the ADU world 🌎 with practical know-how. It’s all about providing the housing supply 🏗️ #aduspecialist #earthadvantage #housing #adu #build #growth #realestate #supply #construction #developers #casita #homes #realtor #mortgage #broker

Assess, modify, adapt. Opportunities are within sight #realestate #realestateinvesting #personalfinance #personalcredit #business #businessowner #realtor #broker #mortgage #mortgagetips #CapCut

Words of love, wisdom, affirmation, growth, and meditation 🧘🏽‍♂️. @jayshetty delivers. Fortunate to have experienced his world tour @youtubetheater and also meeting @lewishowes at the end 👌🏽

FHA reduces their mortgage insurance premiums (MIP) by 30 basis points and right before the spring season. This market may be hotter than we expect. This reduction can make the difference in your purchase! P.S. for my #Veterans people , VA has reduced their funding fee by 15 basis points! Reach out for more info 📲 #home #mortgage #heloc #houses #financetips #homebuying #realestatetips #homesweethome #realestate #housing #loan #bank #credit #lineofcredit #investors #home #homes #casa #finances #homeowners #dodgers #instagram #instareels #reels #losangeles #homeseller #housebuying #homebuying #homebuyingtips #loan #credit #realtor #realtors

Can’t fit the “traditional finance box” to make the purchase of your dream home? Fret not! Bank statement programs (whether business or personal) are here to solve that. DM to find out how to make your home purchase. #finance #financetips #realtor #broker #mortgage #mortgagetip #realestate #homebuyers #homebuying #homebuying101 #househunting #homesweethome #houses #losangeles #houseinvestment #homeinvestment

Yeah that’s a pass for me **bdays are an exception! Talk to me I talk back! #smash #smashorpass #newyear #upgrade #friday #vibes #loveyourself #selftalk #happy #laugh #igdaily #instagram

Don’t know why you would close a credit line.. but consider increasing it instead to strengthen your credit score (amongst other things). Reach out if you want more ways to improve your credit. #broker #realtor #mortgages #financetips #finances #equity #home #homesweethome #creditscore #adu #creditcard

Well, have you? Here’s five easy steps to buying a duplex. Reach out to get a quick breakdown of payment of a property in your ideal neighborhood. #duplex #properties #losangeles #losangelescounty #homebuyingtips #homeownership #homesweethome #apartment #investmentproperty #investments #realestatetips #financetips #ownership #housingmarket #losangelesrealestate #credit #instareels

Rates got better, then they got worse, then they got better, then they got worse. Get it? It’s been volatile. CPI , Consumer Price Index, had the latest immediate effect. Note: You’re likely a lower rate with some upfront cost, but doable. Credit scores play a role. Reach out to run a scenario. #mortgage #mortgagebroker #homebuyers #homesellers #realtors #loan #house #houses #investment #investorswanted #investor #adu #newbuild #newbuildhome #newhome #newhomes #homeownership

Lead with love ❤️ #vday #lovewins I feel very fortunate to have people around me who build with it. Keep nourishing your goals, don’t forget the key ingredient.

Poppy season is in full effect. Reach out to find out how to bloom a great deal this spring 🏡 🌼 #realtor #buylocal #homesweethome #marketing #losangelesrealestate #realestate #mortgage #firsttimehomebuyer #credit #valentines #love #superbowl #superbowl2023 #socal

🏎️ if you’re not first you’re last! A little Friday humor, Tribe. Keep in mind the thawing market won’t last forever. #superbowl weekend is the “unofficial” kickoff to peak spring home buying and selling season. The window for significant seller concessions may be in our rear view mirror if and when the market begins to roar. Don’t let it speed by 💨 . Reach out to get pre approved so you can write up a qualified and winning offer. Prep work is key 🔑 🏡 #openhouse #homebuyers #home #homes #casa #finances #homeowners #dodgers #instagram #reels #igreels #instareels #echopark #silverlake #hifi #losangeles #homeseller #housebuying #homebuying #homebuyingtips #loan #credit #realtor #realtors #california #porsche #humor #laugh #friyay

#LosAngeles Market update in less than one minute! Message ASK for a free consultation. Make sure to FOLLOW for more real estate tips and updates. #losangelesrealestate #california #southerncalifornia #house #houses #realtor #investment #realestate #broker #houses #taxes #bank #savings #realestate #realestatetips #financehacks

Buy a home without using your taxes and use the rents of the property to qualify for the loan. Rents to cover or exceed PITIA (principal, interest , taxes, ins, and HOA) message to find out about credit, LTV, & rates #mortgage #homebuying #realestateinvestors #realtor #investingtips #realestateinvesting #investing #tips #mortgagetips #homebuyer #homesellertips #home #realestate #taxes #saving #moneymaker #invest #credit #investment #passiveincome

Feeling stuck in today's market conditions? You have options. Message TRB to find out more.

Is it a good time to buy real estate? Three things to ask yourself: 1) are you ready to take on a mortgage? 2) are you financially prepared? 3) what would you rather do- pay more on interest or home price? You decide. You can adjust your rate later down the line, if and when it’s favorable for you. The home price you can’t. Message ASK for more info. #coaching #finances #realestate #losangeles #realtor #mortgage #planning #budgeting #credit #homeloan #investments #banking #assets #goodluck

Don’t pay taxes on the sale of your property! Consider the 1031 exchange when selling your investment. You’ll need to consider a few things when making the exchange, but 3rd parties exist to facilitate the compliance and paperwork. Make a generational play. Reach out to find out more. #investment #realestate #realtor #broker #houses #taxes #defer #savings #realestate #realestatetips #financehacks

BEFORE refinancing your mortgage loan, consider this: a HELOC. It’s an effective tool that allows you to tap into your home equity and use the proceeds at your discretion. Maybe consolidate your credit card debt, take a vacation, or build an ADU in your #backyard for rental income. #home #mortgage #heloc #debtpayoff #creditscore #lineofcredit #houses #financetips #homebuying #realestatetips #realestatebroker #homesweethome #realestate #housing #loan #bank #credit

Tonight we're celebrating all the clients we were able to help in 2022 and looking forward to helping even more in 2023!

Loan Limits increased, so what? 1 unit in Los Angeles has a new limit of $1,089,300 , so if the loan amount is less than this you have a “conforming” loan. Your interest rate is likely better (other variables do apply). Need more context? #home #mortgage #houses #financetips #homebuying #realestatetips #realestatebroker #homesweethome #realestate #housing #loan #bank #credit

Reach out to find out how this works📲. Savings can happen even in this market. I can see this being one of the most cost effective ways to purchase in the coming year 🤔 Program Highlights: • 30 year Fixed Rate Mortgages • Primary Residences only • Single Family Residences, PUD and Condos • FNMA and FHA only • Purchase Transactions only • Term: 36 months (3-2-1), 24 months (2-1) • Borrower(s) are Qualified off Note Rate not buydown rate • Buydown cost is paid by Seller/Builder concessions

Come join hundreds of RE pros and affiliates on December 7th at NAHREP San Fernando’s much anticipated Gala at the @castawayburbank . Learn, network, and celebrate the onboarding 2023 Board of Directors. Registration link on bio @nahrepsanfernando we look forward to seeing you there!

Does your home have you feeling cramped lately? Our team of experts can help get you into a new home with more space today. Just give me a call 📲🤝🏽

I’m very appreciative to those who did and to those who didn’t, too. Please don’t be discouraged if you didn’t. The good news is that we’re heading into a “buyers market 🏡 .” Prices may improve further. My recommendation is be prepared. Reach out for a free consultation 📲 . . . #housing #housingmarket #trendingreels #breakingnews #homesweethome #currentaffairs #realtor #broker #mortgagetips #creditscore #financetips #homeownership #sellinghomes #losangeles #economy #homeloans #house #finance #bank #veteransday #appreciation

Happy Halloween 🎃 don’t be afraid of not knowing how your loan rate is determined 😱 #spookyseason #halloween #mortgagetips #mortgages #homebuyingtips #credit #homeloan #broker

Yes, buying a home seems harder to buy nowadays, but know the market has softened! Meaning home prices are adjusting and are on “sale” 😬 Yes, rates are higher but remember in the near future you can always refinance and/or snag a 2/1 buy-down so you’ll have a lower rate and monthly payment for the first two years. Looking to buy or sell in this market reach out to find out how we get you to where you need to go. . . . . . . . . . . . #housing #finances #losangelesrealtor #losangelesbroker #broker #mortgagetips #financetips #homebuyingtips #losangeles #realestatereels #housebuying #californiarealtor #californiahomes #losangeleshomes

🤔 Think you may be in the market to buy soon? Reach out now for tips on how to improve your credit rating so you can secure the lowest-rate mortgage possible. #credit #realtor #loans#mortgagebroker #tips

In love with a house that needs some touch-ups? With our 3% down payment options, you can afford the house AND the renovations! Call today to learn how we can help. 🏠💵🎉

Did you know that your mortgage payments include more than just the amount you pay on the loan every month? If you have an Escrow account, there are actually four (sometimes five) elements that make up your mortgage payment. Call or message me to learn more about your future mortgage! #home #homes #broker #realtor #losangeles #credit #financetips #mortgagebroker #creditscore #houses #moneytips #loans #financing #escrow #savings #wealth #realestate

Breaking news: Obviously context is important. If we compared today to the last two years, the market may look awful. BUT… Sellers are still selling and buyers are still buying. Home prices are adjusting and “2/1 BUY DOWNS” are a lender thing. Message me to find out what that is. So if you’re selling or a potential seller, know home prices are not skyrocketing anymore. You can thank interest rate hikes. You may also have to wait a few days before you receive your first offer. Just know housing is still NEEDED and demand still exists. If buying, know you’ve got some breathing room now. You’ll have a chance to inspect the home this time around and you may have the seller play nice with you regarding terms.. maybe even cover closing costs. It’s a softer market. We knew this day would come. It’s here now. What would you do in this housing market? ⬇️ Let’s Go Dodgers! #housing #housingmarket #trendingreels #breakingnews #homesweethome #currentaffairs #realtor #broker #mortgagetips #creditscore #baseball #dodgers #financetips #homeownership #sellinghomes #losangeles #NLDS

Condos offer convenience and flexibility but come with different mortgage requirements than traditional homes. Message me today and let’s talk about your options 📲🤙🏽

A little humor, guys. Happy Friday! Hit me up if you have any questions about #mortgages or real estate! Proper planning gets you where you need to go. #plan it with a team you can TRUST. #securethebag

There are lots of home loans out there— let us help you navigate your options. As mortgage experts, we shop the top lenders so you get a rate and term that works for you. Reach out to get started.

Part 2! What not to do, amigos while applying for a home loan. Skip the boat and furniture purchase til AFTER you close your loan. #financetips #realtor #mortgagelender #broker #credit #bank #moneytalks #moneymanagement #financialplanning #moneygoals #successtips #tipsandtricks

As expected, the Fed hikes the rates a 5th time to tame inflation. Will it work!? What are your thoughts 👇 #nochill #expectations #finance #economy #rates #housing #housingmarket

Ready for a taste of homeownership? We offer condo loans that fit your lifestyle. DM me today to learn more about them 🤙🏽📱

No traditional W2 income? Don't sweat it. We work with borrowers who are self-employed or contracted workers using other qualification methods like bank statements. Let us answer your questions. Message me to find out how to do it📲

No seriously avoid these while applying for a home loan. You’re likely to change some important stuff (ratios, sourcing, etc) and you may not qualify for that loan anymore. #mortgagelender #homeloans #realtor #realtorlife #broker #mortgages #homesellers #homebuyers #investments #house #finance #financetips #equity #simple #igreels #igdaily #game #rental #homesweethome

Some humor at first, but yeah seriously, get pre approved before you start home shopping. It’s just good business! I’m sure the majority of agents in the industry would recommend the same. Don’t rely on that online calculator you’re using. It’s not an accurate analysis of your finances. Know what you qualify for instead of guessing. Don’t show up to an open house, fall in love with the home and find out you didn’t qualify. Realtors and lender alike salute you if you prepare! Need a pre-approval? Reach out. Direct message with any questions. Share, like and follow for more real estate content!! #finances #broker #investment #rental #rentalproperty #reels #investors #home #homes #casa #homeowners #dodgers #housing #instagram #reels #igreels #instareels #echopark #silverlake #losangeles #homeseller #house #homebuying #homebuyingtips #loan #credit #realtor #realtors #california

It’s a flurry of excitement when you get to open escrow and have a family start the home buying process. Who you work with matters. It’s not just about buying the home but the service and reliability of the professional team you consult with. Get excited you may be next! What’s the procedure!? Like and follow for more real estate content! ✌🏽 #humor #mortgages #realestate #realtor #broker #homebuyers #credit #homeloans #banking #homesellers #finances #funny #igreels #economy #inflation #equity #adu #plans #construction #kitchen #openfloorplan #design #amazon #newhome #homes #casas #investor

“How’s the #LA market doing these days, Chris?” #seller #investment #realestate #homesweethome #homebuyer #homeliving #livingroom #duplex #rent #inflation #marketing

How about a new home in Beaumont or Banning, CA you say? Affordable HOAs, and minimal rate on special assessments. Retirement community across the way for those 55 and over. Homes start in the mid 550’s + 📲 message me to find out more. #newconstruction #newhome #newhomes #newhouse #newhousebuild #build #banning #beaumont #casino #cabazon #palmsprings #aguadulce #casa #casas #inlandempire #riverside

🤔 How much a potential borrower makes is important, but it’s not the only factor considered when getting approved. Credit score, work history and loan type are just a few other factors to consider. I’m a mortgage expert ready to help – direct message to learn more! 📲

Even though you may feel a run on your money , know you’re investing in what Gallup polls says Americans believe to be the “best long term investment.” 🏡 Real estate has proven to hedge against inflation. Appreciation has happened in 3 of the last 5 recessions, one of these corrections was less than 2% . Don’t let interest rates deflate your enthusiasm, plan accordingly with your professional and start earning equity. Like and follow for more info. #humor #mortgages #realestate #realtor #broker #homebuyers #credit #homeloans #banking #homesellers #finances #funny #igreels #economy #inflation #equity #adu #plans #construction #kitchen #openfloorplan #design #amazon #losangeles #pasadena

No matter your home must-haves, we can help you find The One! Message me to start the process! 📲😎

🎉 Happy Friday gvng, make it a great day! Let’s count our blessings today and start the weekend strong 💪🏽 here’s 4 things to consider when buying your home 🏡 DM for more info📱 #realtor #broker #realestate #realestatebroker #homebuyertips #homesellers #homefinancing #financetips #mood #realestatevibes #vibes #igreels #instareels #goodvibes #mortgagetips #losangeleslife #realtors #realtorofinstagram #moods #weekend #weekendvibes #invest

🎉 When you know you know. It’s justa feeling #vibras. Clients saw a total of three homes on their hunt and wrote ONE offer. We’re in 🏆, keys in 30 days 🤙🏽 #realtor #broker #mortgages #escrow #credit #banking #homebuyers #homesellers #investors #homebuyer #bell #losangeles #pasadena #alhambra #southbay #sanfernandovalley #sangabrielvalley #downey #commerce

A mortgage pre-approval letter is a document from a lender that states exactly how much house you can afford based on personal financial information. It shows sellers and real estate agents that you’re a serious homebuyer. Need one? Drop me a message 📲

⚠️ New Homeowner Alert 🚨 glad my friends stuck it out and finally found the right one! #Self employed and looking to buy a 🏡 qualify for a mortgage based on 12 months bank statements. 10% down payment with minimum fico score. No federal taxes needed. Reach out to find out more. Message me on my celli! 📲

Diamond in the rough in HiFi. Minutes from DTLA, Echo Park and Silver Lake. This fixer has the potential to shine. 4 bedrooms , 2 bathrooms with LAR 1.5 zoning. Don’t kid yourself though this gem requires some work for a polished finish. Reach out for a showing. #investment #rental #flip #homeflipping #historicfilipinotown #remodel #remodelacion #newhome #homeowners #update #mortgage #mortgaebroker #broker #investment #rentalmag #rentalproperty #reelestate #income #investors #home #homes #casa #finances #homeowners #dodgers #igreels #instareels #echopark #silverlake #hifi #losangeles #homeseller

Happy to report the Suazo family are now new #homeowners ! Special thanks to @lisbeth.y.black for leading the pack with ease. Teamwork makes the dream work! #yournewhome #homeowners #firsttimehomebuyer #realestate #agent #realtor #broker #mortgages #equity #lender #losangeles #palmdale #antelopevalley #santaclarita #sanfernando #sanfernandovalley #realestate

The market has shifted. But the housing supply is still tight. You’ll find out that interest rates have dampened demand for homes some. But the current supply is still not meeting it. We are likely to negotiate closing costs for your loan this time around. Even though prices will likely continue to climb.. it’s not as aggressive as the last two years. For those who want to sit it out, reconsider. You don’t have to fight twenty five bids now and ACTUALLY have all your contingencies in place! Don’t let this new market discourage you, seize it while there is some elbow room. You can later refinance out of a higher rate if mortgages take a slight dip 📉 What are your thoughts? #realtor #realtorlife #broker #mortgages #homesellers #homebuyers #investments #house #finance #mortgage #homeloans #simple #igreels #reels #instareels #alhambra #pasadena #losangeles #homeseller #housebuying #homebuying #homebuyingtips #loan #credit #realtor #realtors #california #investment #rental #mortgage #mortgaebroker #broker #investment #rentalproperty

Sellers still have leverage. Have you heard? We still need more inventory. Home builders are nowhere near catching up. Prices correcting soon? If so, by how much? Comment ⬇️ #realtor #realtorlife #broker #mortgages #homesellers #homebuyers #investments #house #finance #mortgage #homeloans #simple #igreels #igdaily

New funding! A very happy client indeed. Consolidated debt and cashed out some equity for improvements! Was able to lock rate in the mid 4’s! Shot out to the team @blady_roque and @1st_choice_lending for making the process easy. ⚠️ Consumer alert: buying down points is a thing, consult your home loan professional to find out if it makes sense for you! #homeloan #credit #equity #cash #homeimprovements #broker #homeowners #homebuyingtips #mortgages #banking #mortgagebroker #financetips #finance #lien #fanniemae #fha #creditscore #house #housewarming #closing #funding

Rates are likely to be favorable on ARMs compared to fixed rates. Likely to help increase purchasing power if shopping for your home, too. Things to consider when shopping for an ARM: what are the caps? Meaning what are the caps on the initial adjustment, the subsequent adjustments, and the lifetime cap. These are the safeguards that are in place that limit your rate from changing significantly. Index with SOFR. Reach out to learn more. #home #homes #casa #finances #homeowners #instagram #reels #igreels #instareels #glendale #eaglerock #altadena #pasadena #losangeles #eaglerock #homeseller #housebuying #homebuying #homebuyingtips #loan #credit #realtor #realtors #california #investment #rental #newhome #homeowners #mortgage #mortgagebroker #broker

If you're in a starter home or plan to move in a few years, you may want to consider an adjustable rate mortgage. ARMs offer a lower initial rate than 30-year mortgages with 5-, 7- or 10-year terms. Explore your options with our team of ARM experts!

Are you thinking about cashing out some of the equity in your home you've built over the past year? Here's a handy guide on how appraisals can impact your refinance. https://1l.ink/GHD8SPF

Getting pre-approved can be fast and easy. Take a look at a few mistakes to avoid after getting pre-approved to keep the mortgage process running smoothly.

Self employed? Receiving 1099s? Reducing your tax liabilities can have a positive impact on taxes you may owe, but can have a negative effect on your borrowing power. You may be doing a great job at lowering your tax bill, but may be having trouble finding your local bank qualifying you for a loan at their place. You need an underwriter with an alternative point of view. 12 mos bank statements programs allow you to qualify based on your deposits. Other conditions apply: credit score , down payment , etc #mortgagebroker #realtor #finances #credit #debt #financetip #instagram #reels #instareels #instalosangeles #firsttimehomebuyer #investor #homebuyingtips #loan #credit #realtors #california

True! As opposed to an FHA loan, which can only be used to purchase a primary home (up to a 4 unit property), conventional loans can be used for all three - primary, secondary, and investment. Looking to purchase one of these? Call or message me.

✅ GOOD idea when home shopping 🛒 -Escalation clause -Shortened contingency periods: inspection, appraisal, & loan -Getting pre approved BAD ideas ⛔️ -Writing offers below list price when there are several offers on table —Bidding without a strong pre approval #homes #mortgagebroker #realtor #finances #credit #debt #financetip #instagram #reels #instareels #homebuyer #instalosangeles #firsttimehomebuyer #investor #investors#house #home #casa #dodgers #instagram #reels #igreels #echopark #losangeles #homeseller #homebuying

Your credit score determines what type of mortgage and interest rate you'll qualify for, so it's important to take these steps BEFORE you start shopping. Want more helpful advice? Give me a ring, and let's work together to get you the best mortgage possible! #mortgagebroker

Here we have it! $699,000 2 bed , 1 bath home minutes from Dodger stadium! ⚠️ Note: Home condition not considered for qualifying purposes. Only sales price used in example. Monthly debts were not used in calculations. What are monthly debts you ask? Car loans, student loans, credit card payments, medical payments and installments to name a few. That said , in this example I used a 5% fixed rate, for 30 years and assumed a 720+ credit score. Numbers used for infotainment 😛 Hope you find it valuable! Share, like, and/or comment below with what’s happening with home prices in your neighborhood! LA real estate market still bonkers?? #home #homes #casa #dodgers #instagram #reels #igreels #echopark #losangeles # #homeseller #homebuying #homebuyingtips #loan #credit #realtor #realtors #california #ladodgers #thinkblue #investment #fixer #flip #homeflipping #remodel #newhome #homeowners #update #mortgage #mortgaebroker #broker

Do you know how to determine your home’s #equity? Subtract the amount you owe from your home’s market value and there you have it. Cash-out that equity for vacations, renovations, or whatever you want. Call or DM me today to unlock the equity you’ve earned!

The oh-so-many moods a buyer, seller, agent, or loan officer may experience in this beautiful world of real estate! Staying cool, calm, and collected is key 🔑 Remember to breath. The current real estate market is fast and furious. Let the pros get you to finish line 🏁 Whether you’re buying, selling or refinancing who you work with matters. Having the right team in place that can easily communicates with all players will make all the difference. This business can be high pressured at times (most of the time really 😉), but experience trumps the challenges every single time! Take it easy! We’ll get you there in no time! 👌🏽 #realestatebroker #homebuyertips #homesellers #realtor #homefinancing #financetips #mood #realestatevibes #vibes #igreels #instareels #goodvibes #mortgagetips #losangeleslife #realtors #realtorofinstagram #moods

Yesterday’s price is not today’s price 🚨 PSA ✅ #inflation is real. I’m sure you’ve seen prices from #gas , food, goods and whatnot. The real estate market is doing the same. #Mortgage rates have increased, and homes continue to appreciate in Los Angeles county. Inventory for homes are still at noticeable lows. What do you think will happen this year with home prices? Comment below ⬇️ #homesweethome #mortgage #financing #broker #realtor #igreels #instareels #reels #psa #newreels #mortgagetips #millennials #realtors #nahrep

🤔 If you want the best possible rates for your next mortgage or refinance, you need the best possible credit score 💳. Follow these guidelines before applying for a loan and see the cost of your next loan plummet! 📉

🗣️ Do you feel like all talk and no action saving up for a down payment? You might not need as much as you think to move into your dream home 🏡. Don't speculate, message me today to find out what's really real.

What could you expect when refinancing your mortgage⁉️ Your principal and interest is really what will change since you’re refinancing your “note.” Rate, loan length “term”, and loan amount is what we’re talking about 👈 Your impounds/escrow does not.. UNLESS taxes are reassessed (certain changes in ownership can) or you modify your hazard insurance aka fire 🔥 insurance. Message me directly if you’d like to run your mortgage numbers or comment below ⬇️ with your thoughts! ✌🏽 #homeloan #mortgagebroker #mortgages #lender #financing #escrow #impound #bank #realtor #broker #creditscore #sehablaespañol #losangeleshomes #tgif #friyay #vibes #weekend #weekendvibes

Excited for both new owners and my client who passed the proverbial torch to a new family! 👨‍👩‍👧‍👦🏡 This is where my client grew up with her siblings. A bittersweet moment with the selling of her home. Yet she smiles knowing a new family will make their own memories they’ll cherish for years to come. Considering selling, buying or financing your home or investment property? Reach out to discuss how to get started. #sold #home #realtor #broker #listing #marketing #family #homeowners #newowner #losangelesrealestate #socalrealestate #sanfernandovalley #sangabrielvalley #pasadena #alhambra #santaclarita

⚠️ Don’t settle for the limited home loan products banks offer. As mortgage experts 🤓, we partner with several lenders to shop on your behalf and find the best mortgage loan options for you. ✅

💭 Ever think that buying a 🏡 might be out of your financial reach? With 🗽FHA loans, you may be able to qualify for a home of your own, even if you have little savings or are experiencing 💳 credit challenges. DM to learn more 📲.

Want to know how much you need to earn to qualify for a $725,000 home in Los Angeles? Consider: 10% down, could be less or more. Credit score of 680+ (720 in this example). Approximate mortgage payment of $4,200. Includes: principal, interest, taxes and insurance (mortgage and fire). Assuming monthly revolving debt of $500 in this example. Monthly debt could be: installments, student loans, credit cards, and auto loans. Not accounted: utilities , car insurance , or rent, likely debt that populates on your credit report/bureau. Getting a consultation > guessing! Schedule your 🆓 consultation by messaging today. Comment below if you’d like me to breakdown a different amount ⬇️ ✌🏽 #mortgagebroker #realtor #finances #credit #debt #financetip #instagram #reels #instareels #instalosangeles #firsttimehomebuyer #investor #investors #house

🚨Looking to remove your mortgage insurance from your current home loan❓🏡 Your likely benefiting from the appreciation your home has had in the last year. Maybe you’re in an FHA loan and would like to switch 🔄 over to a conventional loan. Message me for a 🆓 consultation. You may be able to save some money 💰. #realestate #mortgages #mortgagetips #realtor #broker #losangeles #creditscore #investment #investmentproperty #homeloan #californiahomes

More flexibility is just one of the important differences between working with a local independent mortgage broker, like me, versus a mortgage banker like those at your bank or retail lender. DM us to start putting that difference to work for you!

6 milestones when #selling your casa 🏡 #realtor #homeseller #homeselling #broker #mortgages #sellermarket #losangelesrealestate #getpaid

1) Get a copy of your credit report and dispute any incorrection information, 2) Keep balances low on 💳 credit cards and revolving credit, 3) ⛔ Don't close old accounts you don't use. Want more credit tips? Comment below or message me 📲

$$ Traditional home loans 🏦 vs. Non-traditional home loans 📄 $$ What happens if you don’t fit the “box” with the traditional loan products available? Many might be discouraged , but please don’t be! There are several options available today. You may find out you have a few solutions with one call. ☎️ Also, if you have any questions you want answered on a video comment below! 👇 #broker #mortgages #realtor #homeloan #credit #losangelesrealestate #fha #nonqm #champions #homeinspiration #mortgagetips #dscr

🏈🏈🏈 Great ads inspire big laughs, big dreams and big purchases. If you see one today that inspires you to move up, move on or reassess your current financial needs, reach out. My mortgage loan programs can finance your next big play! 🏆Rams or Bengals!? Comment below 👇

⚠️ Don’t let a less-than-perfect credit score scare you away from buying a home 🏡. Our FHA loan programs could be key to your independence. Call me today to learn more. 📲

What does #escrow mean? #realestate #realtortips #realtors #broker #contract #homebuyertips #homesellers #homesellertips

🏡 Own a home and struggling with student loan debt? Consolidate your student loans with a rate and term refinance ✅ can help you manage your debt with a single payment, usually at a much lower rate. Reach out to learn more. 📲

What does #pending in real estate mean OR “active under contract?” #housebuying #realtor #realestatetips #escrow #househunting #broker #losangeles #inescrow #lakeshow #reels #pendingrealestate #homesforsale

😟 Worried that interest rates may rise while you search for your perfect new home? Call me today – I can lock in your interest rate while you shop💳. And if the rates go down, you'll get the better deal 🥳. What are you waiting for?

If you're going through a divorce ⛔, you might not know the implications for your mortgage 🏦. Give me a call today – I'll help make sense of your options and walk you through the next steps➡️.

Who is Fannie and Freddie!? #homebuyertips #homebuyersguide #homeloan #credit #gse #mortgages #loanofficers #broker #mortgagetips #losangeleshomes #finances

🍕 If you're the type of person who likes to track their pizza 🍕, their packages or their daily steps 👣, you'll really love my transparent, fully trackable mortgage loan process! Message me to get you started!

👀 Looking to pay off your 🏡 home fast? Call me today to learn about your options, including how to refinance to a shorter term customized to your timeline! ⏰