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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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A Credit Hard Pull Versus a Soft Pull

A Credit Hard Pull Versus a Soft Pull

by Athena Paquette | Jul 21, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

What is a Pull and How Does it Affect You Credit Score? A “pull” is when a potential creditor pulls your credit report, also called an inquiry. People are told that inquiries can bring down your credit. This is true, but only by a few points. Other credit profile...
How Does the GDP Affect Interest Rates or the Price of Real Estate?

How Does the GDP Affect Interest Rates or the Price of Real Estate?

by Athena Paquette | Jun 27, 2014 | Investors, Realtors

Economic news: People often ask me what the economic news has to do with real estate. How does the GDP affect interest rates or the price of real estate? Or what do I mean that the Consumer Price Index could affect the price of a home in Torrance? On some economic...
You Need a Minimum 3.5% Down to Buy a Home…FALSE

You Need a Minimum 3.5% Down to Buy a Home…FALSE

by Athena Paquette | Jun 27, 2014 | Blog, Home Buyers, Home Owners, Investors, Realtors

Myth Buster of the Week: You need a minimum 3.5% down to buy a home: FALSE! There is a program that allows only .5% down! That’s right! On a $400,000 loan you only need a $2,000 down payment. We can even do a no-cost loan on that program, with minimum 620 credit...
The CashFlow Game–Torrance, Redondo Beach, and The South Bay

The CashFlow Game–Torrance, Redondo Beach, and The South Bay

by Athena Paquette | Jun 26, 2014 | Blog, Home Owners, Investors, Realtors

Imagine, improving your financial future only 4 HOURS! Call, Text, or Email Me Today to Register 310-218-6855 or Athena@AthenaPaquette.com The CashFlow game is a blend of Monopoly and the game of LIFE. Through playing it you’ll discover: • Discover which...
Protect Your Assets! Changes In Smoke Detector Laws

Protect Your Assets! Changes In Smoke Detector Laws

by Athena Paquette | Jun 24, 2014 | Blog, Investors, Realtors

Here is some important information from John Garland, of South Bay Brokers Inc. regarding the new smoke detector laws. You can download the forms here: Smoke Detector, Water Heater and Carbon Monoxide Forms Smoke Detectors Specifications Are Changing It’s always...
Condos on Leased Land Cannot be Financed…FALSE

Condos on Leased Land Cannot be Financed…FALSE

by Athena Paquette | Jun 14, 2014 | Blog, Investors, Realtors

True or False: Condos on leased land cannot be financed.  FALSE! In some areas like San Pedro, Palm Springs/Coachella Valley, Catalina Island for example, there are condos that are built on leased land. This means you own the condo but not the land. Often it’s a...
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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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