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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Is it Worth Refinancing my House to Build an Addition? My Loan-to-Value Ratio Will Still Be 80%.

Is it Worth Refinancing my House to Build an Addition? My Loan-to-Value Ratio Will Still Be 80%.

by Athena Paquette | Sep 30, 2019 | Blog

This is a financial decision and emotional decision that many of my mortgage lender clients are facing. Mainly this question is coming up because the price of moving to a bigger house is pretty high compared to staying put and improving what they have. Even in my...
Refinancing Enabled This Woman to Pay Off Debt

Refinancing Enabled This Woman to Pay Off Debt

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

She was crying and hugging me when she left… a client signed loan docs today to finish up her refinance, something she never thought would happen.  She still had 5.5% from a mortgage from 6 years ago. She also had $50,000 in debt, and her yearly salary is the same,...
How Refinancing My Home Helped Me to Become a Millionaire in Only 4 years

How Refinancing My Home Helped Me to Become a Millionaire in Only 4 years

by Athena Paquette | Nov 12, 2015 | Blog, Home Owners, Investors, Realtors

I was terrified, but my desire to be financially free over took my natural inclinations to avoid risk at all costs. My wife and I are both engineers. We have good paying jobs, and love what we do.  We wanted our kids to go to a good school, and so bought a home in...
Points or No Points: Which Is Right for You?

Points or No Points: Which Is Right for You?

by Athena Paquette | Aug 21, 2026 | Blog, Home Buyers, Home Owners

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...
Should I Refinance my Mortgage with Interest Rates Getting Lower?

Should I Refinance my Mortgage with Interest Rates Getting Lower?

by Athena Paquette | Oct 24, 2019 | Blog

Since interest rates have hit a low we thought we would never see again (last seen in 2016), many of my clients are asking me this. Actually, they ask if they* should refinance their mortgage, not whether I* am refinancing mine. In the past, every time rates dropped,...
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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
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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