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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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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Points or No Points: Which Is Right for You?

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

When you’re getting a mortgage, one of the questions that often comes up is whether you should pay points to get a lower interest rate—or take a higher rate and pay no points.   The answer depends on your situation, your plans for the property, and how long you expect...
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21 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender

by Athena Paquette | August 20, 2026 | Blog, Home Buyers | 0 Comments

Feel confident. Get clear answers. Make smart decisions.   Choosing a mortgage lender is an important part of the homebuying process, but many buyers don't know what questions to ask. Getting a loan isn't simply about finding an interest rate. You also want to...
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How Business Owners & Self-Employed Professionals Qualify for a Mortgage

by Athena Paquette | January 29, 2026 | Blog, Featured | 0 Comments

Even When Tax Returns Show Low IncomeIf you’re a business owner, self-employed professional, or independent contractor, your tax returns may not reflect what you truly earn — and that can make qualifying for a mortgage frustrating. Many entrepreneurs do exactly what...
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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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She Was So Shocked and Happy by the Good News!

She Was So Shocked and Happy by the Good News!

by Athena Paquette | Jul 22, 2016 | Blog, Home Owners, Investors, Realtors

This week I was able to help a client, who has been renting for 2 years, buy the house she is renting. Her landlord was going to put it up for sale but offered it to her first. She thought she couldn’t qualify, and so told her landlord unfortunately she couldn’t take...
I Felt Like I was Leaping off a Cliff!

I Felt Like I was Leaping off a Cliff!

by Athena Paquette | Jul 10, 2016 | Blog, Home Owners, Investors

This is an email I recently received from a client. He is a young engineer, newly married, and on his way to buying a second investment property. I love this story because it is the perfect demonstration of how ANY ONE can create cash flow (mail box money) as long as...
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...
She Was So Shocked and Happy by the Good News!

Client refinances rental property and saves $500 per month

by Athena Paquette | Jun 18, 2016 | Home Owners

A client bought her rental property in 2005 and, as so many people experienced, saw the value of her 2 units go from 350k to 250k. So she was stuck at the 6.5% 30 year fixed. Now that values have increased, she was able to get an appraisal on her units for $330,000....
Read How this Couple Paid of $70k in debt with a Clever Refi

Read How this Couple Paid of $70k in debt with a Clever Refi

by Athena Paquette | Jun 12, 2016 | Featured, Home Owners

A couple is trying to refinance to drop their rate from 5% to 3.5% and pay off $70,000 in debt that they could barely sustain anymore. They had been given a loan modification in 2008 because she had to leave her job due to illness and had to file for bankruptcy in...
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...
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Latest Updates

  • Is a Reverse Mortgage Right for You or Someone You Know?
  • Points or No Points: Which Is Right for You?
  • 21 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender
  • How Business Owners & Self-Employed Professionals Qualify for a Mortgage
  • What is a mortgage?

Address

21250 Hawthorne Blvd, 5th Floor
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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