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.
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Presenting the Reset Button in 2025 Reaching your financial goals in 2025 with Jessica Perrone Founder of HerFinIQ
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Women In Business Wednesday, December 17, 2025 Torrance Area Chamber of Commerce 3480 Torrance Blvd. Suite 305 Torrance, CA 90503 Details
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How to Avoid the Most Common Landmines When Trying to Get a Mortgage: From Application to Funding

by Athena Paquette | August 21, 2026 | Blog, Home Buyers, Home Owners | 0 Comments

Getting approved for a mortgage can be an exciting process, but it also requires careful attention to your financial picture. During the 30–60 days it can take to get from application to funding, even seemingly small financial changes can affect your loan.   Here are...
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FHA Myths: 5 Common Misconceptions About FHA Loans

by Athena Paquette | August 21, 2026 | Blog, Home Buyers, Home Owners | 0 Comments

FHA is one of the most powerful loan programs available, but it is also one of the most misunderstood. Old information from decades ago still influences conversations today—from real estate agents and sellers to hopeful homebuyers. Let’s clear up some of the biggest...
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VantageScore® vs. FICO® Score: What’s the Difference?

by Athena Paquette | August 21, 2026 | Blog, Home Buyers, Home Owners | 0 Comments

If you have ever checked your credit score and then had a lender tell you that your mortgage credit score is different, you may have wondered: Which score is correct?   The answer is: both scores can be correct.   This occurs because the consumer score you get may be...
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Is a Reverse Mortgage Right for You or Someone You Know?

by Athena Paquette | August 21, 2026 | Blog, Home Buyers, Home Owners | 0 Comments

As the cost of living continues to rise, managing expenses on a fixed retirement income can become challenging. When your income is relatively stable but everyday costs continue to increase, you may start looking for other ways to create additional cash flow.   One...
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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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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

  • How to Avoid the Most Common Landmines When Trying to Get a Mortgage: From Application to Funding
  • FHA Myths: 5 Common Misconceptions About FHA Loans
  • VantageScore® vs. FICO® Score: What’s the Difference?
  • Is a Reverse Mortgage Right for You or Someone You Know?
  • Points or No Points: Which Is Right for You?

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21250 Hawthorne Blvd, 5th Floor
Torrance, CA 90503
Cell: 310-218-6855
E-Fax: 424-702-3235
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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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