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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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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...
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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.

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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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Economic News this Week: The news on the economic data front should have been earth moving but was fairly benign

Economic News this Week: The news on the economic data front should have been earth moving but was fairly benign

by Athena Paquette | Jan 14, 2018 | Blog, Featured

On Thursday, the PPI came in down 0.1% with the core rate also down 0.1% which is normally interest rate friendly (remember bad economic news means lack of a threat of inflation which means rates stay low and vice versa). On Friday – the CPA was up 0.1% which is...
Success Story of the Week: It’s never too late to buy a home.

Success Story of the Week: It’s never too late to buy a home.

by Athena Paquette | Jan 14, 2018 | Blog, Featured

Jane was referred to me by her son to do a financial plan so she could see if she would be in good shape to retire in 7 years. After discussing the lifestyle she was aiming for, we discovered that she could buy a home – her first! – after 30 years of being...
Economic News this Week: The first week of the year was a short one with little economic news but good economic news.

Economic News this Week: The first week of the year was a short one with little economic news but good economic news.

by Athena Paquette | Jan 8, 2018 | Blog, Featured

The first week of the year was a short one with little economic news but good economic news. On Wednesday the ISM had a stronger number than expected: 59.7& up from 58.2% for November. This is great sign of a stronger economy, and therefore bad news for fixed...
Success Story of the Week: Never give up; just call the right person

Success Story of the Week: Never give up; just call the right person

by Athena Paquette | Jan 8, 2018 | Blog, Featured

James had been out of work for 1 1/2 years – since 2016 – and was having trouble making his mortgage payments. He requested a loan modification so he wouldn’t lose his house, so his credit union gave him a 40-year instead of a 30-year loan and put all the...
This week we received economic data on inflation and spending, but all eyes were on the Fed

This week we received economic data on inflation and spending, but all eyes were on the Fed

by Athena Paquette | Dec 17, 2017 | Blog, Featured

While most experts thought that they would raise the prime rate, some feared that they may not be giving us a potential for runaway inflation. So let’s go over the data in this week’s week-in-review. Tuesday the Producer Price Index (PPI) was up 0.4% and the core rate...

Interview with a new investor who is making leaps and bounds in building his passive income cash flow

by Athena Paquette | Dec 17, 2017 | Blog, Featured

Discover how this young, newly married, engineer and his wife bought a two cash flow producing properties. No they didn’t get an inheritance and no one gave them the money. They did it on their own.
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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

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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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