Hi, I’m Athena Paquette
As a mortgage broker in Torrance, I’ve been helping people get home loans since 1990. In that time I have helped people stay in their homes after divorce, first time buyers secure a home loan, retired couples purchase a vacation home, and new investors finance property.
In fact, 80% of my business comes from referrals by satisfied clients. Why? Because I work tirelessly to find you right loan, explain the process in plain English, and advocate on your behalf with the lenders.
So, whether you are a first time home buyer or investor, single or married, working or retired, you have questions and I have solutions.
Call me today for a free 90-minute consultation to discuss your loan options at 310-218-6855 or email me at Athena@AthenaPaquette.com
“The Financial Freedom is Within Your Reach!”
“I believe that through knowledge and discipline, financial peace is possible for all of us.”
Dave Ramsey
Get the faqs about loans. we have loans the big banks won’t tell you about!
RECENT TIPS AND RELEVANT ARTICLES
Should I Refinance my Mortgage with Interest Rates Getting Lower?
Since interest rates have hit a low we thought we would never see again (last seen in 2016), many of my clients are asking me this. Actually, they ask if they* should refinance their mortgage, not whether I* am refinancing mine. In the past, every time rates dropped,...
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Did you qualify for a better or worse loan than expected when applying for a mortgage? What was the year and what did your financial situation look like?
I remember when I bought my first home I had saved up 20% down and I was 23 years old. definitely wet behind the ears. I went to the bank to get a loan. They ran my credit and they said I had no credit. I said that’s impossible. I pulled out my wallet and put all the...
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How Many Months Behind on your Mortgage Before the Banks can Start to Foreclose?
The short answer is, it depends on the type of loan that you have. Is your loan a conventional (fannie mae Freddie mac) or a government insured/guaranteed loan (FHA and VA)? This is also different for residential versus commercial, so I am sticking to residential in...
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Is it Worth Refinancing my House to Build an Addition? My Loan-to-Value Ratio Will Still Be 80%.
This is a financial decision and emotional decision that many of my mortgage lender clients are facing. Mainly this question is coming up because the price of moving to a bigger house is pretty high compared to staying put and improving what they have. Even in my...
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What Are The Ramifications if You Do Not Claim Your Full Income From Your Rental Properties?
This is a somewhat tricky question. You should declare all income or risk the IRS coming after you. The bigger question is not so much declaring all income (the top line) but clients seem to have questions on whether over deducting on expenses could hurt them. You...
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No job, no tax returns and payments are rising.
Success Story: No job, no tax returns and payments are rising. What do you do when your life has been turned upside down by a sudden end to your marriage, you decide to move to a new state with no job lined up, tax returns show low income and therefore you can’t...
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Success Story : 3 things to do to get that 740 credit in the next year.
Success Story: With interest rates falling over the last few weeks, I am getting calls about refinancing every day. And I am trying to reach out to those for whom it would make sense to refi. Please call me if you want to double-check. Interest rates are 1% lower...
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How do you refinance a mortgage after you retire?
First of all no matter what your age, there are laws in this country that outlaw discrimination based on all sorts of things but age is one of them. I actually got a loan denial reversed 20 years ago on a loan that was turned down because the underwriter said: “she...
read moreSuccess Story: Bad news gives us good low interest rates.
Bad news gives us good low-interest rates. The lowest in 30 years! So what do we do? Grab the free money, replace old debt with new debt so that we have 1 low payment in retirement! I got a call from longtime clients that I hadn’t spoken to in 6 years. They had refi’s...
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Can I stop making my monthly payment on my mortgage and apply everything to the principle?
Wouldn’t that be nice? But no, you signed a contract called a mortgage or promissory note where you agreed to pay both interest and principal every month. If you stop you will trigger the default clauses of the note. By not paying the mortgage, you broke that contract...
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