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17 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender

by Justin Williams | November 13, 2025 | Blog, Home Buyers | 0 Comments

Feel confident. Get clear answers. Make smart decisions. Buying your first home is exciting… and a lot to take in. With so many moving parts, it’s easy to feel unsure about what to ask a lender — or what the answers even mean. This guide gives you the exact questions...
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What is a mortgage?

by Athena Paquette | November 17, 2022 | Blog | 0 Comments

A mortgage is a loan or debt that is secured by real estate. In some states it is also the word used for the lien that is put on the property to secure the debt. Normally this loan is paid back over a specific  time , like 30 years or 15 years, until the entire...
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How raising the prime rate makes mortgage rates go down

by Athena Paquette | September 26, 2022 | Blog | 0 Comments

I have talked about this before but I think it is worth revisiting after our talk last week about the prime rate. The Federal Reserve raised the Fed Funds rate (often confused with the prime rate) by 0.75% this week.to 1.75% it was 0.25% a year ago. The highest 1-day...
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Mortgage Minute – ARMS and HYBRIDS

by Athena Paquette | September 19, 2022 | Blog | 0 Comments

What do you do when mortgage interest rates jump up 2% in 4 months? Don’t go LONG, go SHORT use a HYBRID ARM loan ARM means adjustable-rate mortgage. But some people are not comfortable with the idea that their mortgage payment and that the interest rate will start...
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Introduction

I’m a mortgage broker, financial advocate, and consultant conveniently located in Torrance, California.  I have over 30 years in the mortgage brokerage business, and I’m a property investor who’s owned and managed apartment buildings since my 20’s. I have an insider’s perspective when it comes to buying property, managing from afar and finding the best debt to finance properties of all types loans.

Publications

Your Mortgage Advisor
Now, Not Later!
Just the facts

Mortgage Broker in Torrance CA with over 30 years experience.

Bureau of Real Estate, License #01142629; NMLS #321683.

Member of the National Association Mortgage Underwriters,  American Association of Private Lenders, Association of Financial Educators 

Torrance Adult School, Instructor, Real Estate Investment Classes.



Athena is incredibly knowledgeable in the field of finance, lending and wealth management.  I have worked with Athena for well over 15 years now and she never ceases to amaze me with her abilities.  I am usually very hesitant to refer or recommend anything these days, which is NOT the case with Athena; her work ethic and integrity coupled with her knowledge is a powerful winning combo that can only serve her clients well with awesome results!!
Dar C., Torrance

Athena Paquette
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This week was again a light week in economic news

This week was again a light week in economic news

by Athena Paquette | Mar 25, 2018 | Blog, Featured

Wednesday – as expected the Federal Reserve Open Market Committee (FOMC) met and decided to raise the short term rate “Fed Funds Rate” by 0.25%, to 1.75% from 1.5%.   You might ask “Why are they raising the rate?” And the answer is, the Federal Reserve uses...
Economic news this week: Not much! After a week of mild economic news, it leaves rates flat this week.

Economic news this week: Not much! After a week of mild economic news, it leaves rates flat this week.

by Athena Paquette | Mar 18, 2018 | Blog, Featured

Tuesday: The February Consumer Price Index (CPI) was up 0.2% and the core rate was up 0.2% – which is bland news. Wednesday: February Retail Sales were DOWN 0.1% – and without auto they were up 0.2% (auto sales pulled them down, in other words). February...
Here are the 5 deal breakers when you are buying a condo

Here are the 5 deal breakers when you are buying a condo

by Athena Paquette | Mar 18, 2018 | Blog, Featured

Interview with Alex Maldonado from housing provider Fostering a Change

Interview with Alex Maldonado from housing provider Fostering a Change

by Athena Paquette | Mar 18, 2018 | Blog, Featured

Mortgage Monday: PMI

Mortgage Monday: PMI

by Athena Paquette | Mar 12, 2018 | Blog, Featured

Today’s Mortgage Monday is all about PMI and how you can avoid it, whether buying a home or refinancing.
How to Protect Your Assets before during and after marriage, with Guest attorney Jane Euler

How to Protect Your Assets before during and after marriage, with Guest attorney Jane Euler

by Athena Paquette | Mar 12, 2018 | Blog, Featured

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Latest Updates

  • 17 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender
  • What is a mortgage?
  • How raising the prime rate makes mortgage rates go down
  • Mortgage Minute – ARMS and HYBRIDS
  • Mortgage Minute – Adjustable rate mortgages or ARMS

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3625 Del Amo Blvd. Suite 220
Torrance, CA 90503
Cell: 310-218-6855
E-Fax: 424-702-3235
Office hours: 1130am to 730pm M-Th

 

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Athena Paquette, M.A.

Real Estate Broker
CA Bureau of Real Estate # 01142629
NMLS # 321683

Disclaimer

Athena Paquette offers educational information so you can make an informed investment decision. We do not endorse any particular investment, and we do not provide tax, legal, accounting, investment, or other professional advice. Please know that investing in any asset involves risk and you should therefore consult tax, legal and financial experts before investing as individual results may vary.

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