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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

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Interest Rates Flat but Slightly Better . . .

Interest Rates Flat but Slightly Better . . .

by Athena Paquette | Jan 29, 2017 | Blog, Home Buyers, Investors, Realtors

This week had mostly weaker than expected economic data which helped interest rates only slightly. Tuesday the Existing home sales for December were weaker than expected, down 2.8%. Thursday the initial weekly jobless claims jumped up 22k to 259k and the December new...
Listening and Learning Works – Investor Success Story

Listening and Learning Works – Investor Success Story

by Athena Paquette | Jan 29, 2017 | Blog, Home Buyers, Home Owners, Investors, Realtors

6 years ago, a 25 year old man was dragged into my real estate investment class at TUSD.  He listened and learned.   A few months later he came in for his 90 minute free consultation.  He also played CASH Flow 101 a couple of times and had fun. During the consultation...
Women In Investing. Meetup

Women In Investing. Meetup

by Athena Paquette | Jun 24, 2016 | Featured, Home Buyers, Home Owners, Investors, Realtors

Hi, I started a new Meetup group called, “Women in Investing” on Saturday and there’s almost 50 new members and I want you to join! This is a Meetup for dynamic women who want to become financially free by learning from real women investors who have...
Rates Drop in Reaction to Jobs Report

Rates Drop in Reaction to Jobs Report

by Athena Paquette | Jun 4, 2016 | Home Buyers, Home Owners

The Institute of Supply Management Manufacturing index increased to 51.3 from 50.8% which is a sign of growth in the economy. The JOBS report for May gave us no surprising news. There was a gain of 173,000 jobs in May which was in line with expectations. However the...
Can You Buy a Home if You Owe the IRS?

Can You Buy a Home if You Owe the IRS?

by Athena Paquette | May 29, 2016 | Home Buyers, Investors, Realtors

True of False: You cannot buy a home if you owe the IRS. Oddly enough, I get this question a lot. FALSE. Don’t let the IRS stop you. You can buy a home if you owe the IRS and are on a payment plan. I had a client who owed the IRS tax money back in 2009, and it was...

1 Minute Webinar: The Seller Rent Back

by Athena Paquette | May 24, 2016 | Home Buyers, Home Owners, Realtors

Enjoy!...
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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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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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