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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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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Client Doesn’t Realize How Far Her Debt Was…

Client Doesn’t Realize How Far Her Debt Was…

by Athena Paquette | Sep 25, 2016 | Blog, Home Owners, Investors, Realtors

Client discovers that husband has not made the mortgage payment in 3 months. Lender is about to start foreclosure, and she didn’t know. This was July 2015. Fast forward to July 2016: we finally are ready to refinance, because 12 mortgage payments have been made on...
Client Doesn’t Realize How Far Her Debt Was…

It Was Supposed To Be a Quiet Week…

by Athena Paquette | Sep 10, 2016 | Blog, Home Owners, Investors, Realtors

This week was supposed to be quiet. And was when the markets were closed. Then the Japanese government announced that they will temporarily stop buying US Treasury Debt. Temporarily. Who knows when they will come back into our market? Hopefully it will be next week....
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,...
Lack of Knowledge Can Lead to “Excessive Debt”

Lack of Knowledge Can Lead to “Excessive Debt”

by Athena Paquette | Apr 24, 2016 | Blog, Home Owners, Investors, Realtors

A client referred by his CPA calls because he found out that his IRS tax from 2009-2011 that was delinquent, but on hold, was now due. The IRS was going to force the sale of the home if they didn’t come up with the money, $345,000.  This couple had owned a business...
Can a Loan Be Freedom to You Too?

Can a Loan Be Freedom to You Too?

by Athena Paquette | Mar 19, 2016 | Blog, Home Owners, Investors, Realtors

Sometimes a loan is more than just a loan, it’s freedom! A client, who has been a client now for 15 years, called to see if I could help because she was in a bind. She had co-signed for her son for credit and let her son use her credit cards to run his construction...
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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?

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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