Creating Cash Flow with Real Estate from A to Z Join experienced real estate investor and mortgage broker Athena Paquette for an intensive and riveting class on how YOU can create passive income with real estate investing.
Enroll Now
Presenting the Reset Button in 2025 Reaching your financial goals in 2025 with Jessica Perrone Founder of HerFinIQ
Coming Soon
Women and Financial Literacy January 22nd 830-930am Torrance Chamber of Commerce
Enroll Now
What Would You Like To Learn? Is there an area of interest you'd like to learn more about? Please get in touch and let me know!
Contact Me
Payment calculator
Our calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.
View
Become a Smarter Investor
Sign up to receive timely information on market trends, FHA, Fannie Mae, and Freddie Mac. Learn about credit pitfalls to avoid.
Sign Up
Glossary of Terms
A helpful list of common but often confusing terms. Learn the language of investments, mortgages and more.
View
Loan checklist
A quick checklist of all the financial documentation you will need for a successful loan approval. View

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...
Read More

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...
Read More

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...
Read More

Mortgage Minute – Adjustable rate mortgages or ARMS

by Athena Paquette | September 12, 2022 | Blog | 0 Comments

When rates go up, we usually see a switch over from the 30 year fixed to ARM loans. Why go LONG at a high rate when you can go short at a lower interest rate and get the upfront savings? People do this to help ease the payment shock of rates going up and to help them...
Read More
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.

Buy My Book
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
  • Classes
  • Resources
  • News
  • About Athena
  • Join Us
    • Investor’s Corner
    • Homebuyer’s Corner
    • Homeowner’s Corner
    • Realtors Corner
  • Apply Now
Select Page
What to Bring to Your First Tax Appointment After Buying a Home

What to Bring to Your First Tax Appointment After Buying a Home

by Athena Paquette | Jan 10, 2014 | Blog, Home Owners

The purchase of your home was exciting, stressful, and now a thing of the past. You moved in, started painting, unpacking, and getting back to daily life. Now it’s tax time and you are going from a short form to a full blown tax return with schedules and strategies....
Use the Equity in Your Home to Buy a Rental Property

Use the Equity in Your Home to Buy a Rental Property

by Athena Paquette | Jan 10, 2014 | Blog, Home Buyers, Home Owners

Good news!  You can leverage the equity in your home to buy rental property. Depending on the loan program and type of property that you’re buying, you may need a down payment and also cash reserves. You Have Two Options: 1. Your first option is to refinance your...
Why Working with a Bank Will Cost You Thousands!

Why Working with a Bank Will Cost You Thousands!

by Athena Paquette | Dec 13, 2013 | Blog, Home Buyers, Investors

How is it that a couple who is paying $2,600 a month in rent could only qualify for a $280,000 loan? They went to a bank first. True story; after being told that they couldn’t qualify to buy the home they really wanted, they came to see me.  After a thorough review of...
Is It Time to Get Rid of PMI or MIP?

Is It Time to Get Rid of PMI or MIP?

by Athena Paquette | Nov 22, 2013 | Blog, Home Buyers, Home Owners

When you obtain a conventional loan, PMI or Private Mortgage Insurance is required if you put less than 20% down on your new home. PMI protects the lenders if the buyer defaults on the loan; and it is usually added to the monthly mortgage payment. With true Private...
The Difference Between a Realtor and a Real Estate Agent

The Difference Between a Realtor and a Real Estate Agent

by Athena Paquette | Nov 13, 2013 | Blog, Home Buyers, Investors

Not all Real Estate Agents are Realtors. In fact, there are a small percentage of real estate licensees who are members of The California Association of Realtors. The California Association of Realtors is a voluntary organization that has a very strict code of ethics...
5 Things to Avoid When Buying Investment Property

5 Things to Avoid When Buying Investment Property

by Athena Paquette | Nov 13, 2013 | Blog, Investors

When buying an investment property you want to make sure that you are making the most lucrative decision possible. Below are five common mistakes that you should avoid.  Mistake #1: Avoid areas that are heavily congested with apartment buildings since that makes the...
« Older Entries
Next Entries »

Latest Updates

  • 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
  • Mortgage Minute – Understanding how a mortgage works

Address

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

 

Social

  • facebook
  • linkedin
  • twitter

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.

APMC LOGO
Copyright © 2024 Athena Paquette