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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

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You Need 20% Equity to Refi Your Home to Avoid PMI.

You Need 20% Equity to Refi Your Home to Avoid PMI.

by Athena Paquette | Jan 20, 2015 | Blog, Home Buyers, Investors, Realtors

FALSE! Yes! You can refinance with just 10% equity, in some cases 5% equity with no monthly PMI. There are 4 ways to avoid PMI. Do our famous piggy-back loan where we give you one loan up to 80% of the value of the home and the rest on a second, or piggy back, loan....
How to Buy Real Estate with Your IRA

How to Buy Real Estate with Your IRA

by Athena Paquette | Jan 16, 2015 | Blog, Investors, Realtors

Warning! This is cutting edge information for new and experienced Investors and Realtors. Thursday, January 29th 6:30 PM to 9:00 PM *Waddell and Reed, 3625 Del Amo Blvd., Ste. 360 Torrance, CA 90503 Includes Wine and Cheese Reception Isn’t it time you took...
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...
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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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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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