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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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Why You Need Title Insurance Even If You Are Paying Cash…

Why You Need Title Insurance Even If You Are Paying Cash…

by Athena Paquette | Nov 23, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

Could you afford to lose a $100k cash or more on an investment? I had a client who told me about a “great deal” they received on a home they purchased in Palos Verdes. The sellers “wanted out” and sold the house for only $100,000 when it was worth $550,000. The...
More Amazing ROI & How to Manage Your Risk

More Amazing ROI & How to Manage Your Risk

by Athena Paquette | Nov 4, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

Once again, Renee Riker is back, and this time she will tell you how you can manage the risks involved in real estate...
Discover How Renee Earned a 200% ROI Land Flipping

Discover How Renee Earned a 200% ROI Land Flipping

by Athena Paquette | Nov 4, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

Our experienced Real Estate Investor, Renee Riker is back and this time, she is here to help you earn more money on the land you have...
The 5 Principles of Successful Real Estate Investing

The 5 Principles of Successful Real Estate Investing

by Athena Paquette | Nov 4, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

This is Athena’s first broadcast on Investor’s Corner.  We thought we would give you an inside the studio view of her interview with Renee Riker, experienced real estate investor. In this video, Renee will walk you through the 5 principles of successful...
A Buyer with Less than 20% Down HAS to Pay PMI…FALSE

A Buyer with Less than 20% Down HAS to Pay PMI…FALSE

by Athena Paquette | Sep 10, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

A buyer with less than 20% down HAS to pay PMI. FALSE. In fact, there are 4 ways to pay PMI and 2 of them are not monthly. Here’s how: On a $400,000 loan on a condo with 5% down, you might have to pay $300 per month for PMI. However, to avoid that monthly fee,...
True or False: You Can’t Lock in Unless You Have a Property…FALSE

True or False: You Can’t Lock in Unless You Have a Property…FALSE

by Athena Paquette | Aug 18, 2014 | Blog, Home Buyers, Home Owners, Realtors

FALSE! A bank told my client they can only lock in when they find a property. That may be true for the bank that doesn’t want to take the risk, but we PROTECT your buyer. So it’s FALSE. We have lock and shop rates where we can lock in up to 90 days. This is especially...
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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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