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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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How Does a Homeowner to Get a Low Down Payment for Investment Property?

How Does a Homeowner to Get a Low Down Payment for Investment Property?

by Athena Paquette | Jan 29, 2017 | Blog, Home Owners, Investors

I own a home, but I want to buy units to invest for retirement income.   Can I put 3.5% down? Great question Derek! That’s a great idea to create cash flow for your retirement! Unfortunately, when you already own a home your live in, you are not eligible for the FHA...

Some Good News, Some Bad News

by Athena Paquette | Aug 12, 2016 | Blog, Home Owners, Investors, Realtors

It was a week of some good and some bad news for the economy, with investors mixed reactions. Tuesday we got the Q2 productivity numbers: DOWN 0.5%;  our Unit Labor Costs were up 2% (costs being up indicates possible inflation). Friday we got July’s Retail Sales...
True or False, All Repair Work Must Be Done Before the Close of Escrow?

True or False, All Repair Work Must Be Done Before the Close of Escrow?

by Athena Paquette | May 19, 2014 | Realtors

True or False: All repair work has to be done before the close of escrow? False! Depending on the type of loan your client has qualified for, it is possible to do repair work after the close of escrow. For Conventional loans (Fannie Mae and Freddie Mac), and...
True or False, All Repair Work Must Be Done Before the Close of Escrow?

Do You Need a Clear Termite Report to Close Escrow?

by Athena Paquette | May 13, 2014 | Realtors

Do you need a clear termite report to close escrow? NO. Termite reports and clearance are not a condition required by Fannie Mae or Freddie Mac. Some banks require it because it makes them more comfortable. Beware of anyone who says your seller or buyer HAS to...
4 Myths About Fannie, Freddie, and FHA Loans

4 Myths About Fannie, Freddie, and FHA Loans

by Athena Paquette | Jun 18, 2013 | Blog, Home Buyers, Investors

When trying to get the lowest down payment and the best loan rate, you’ll hear a lot about Fannie Mae, Freddie Mac, and FHA loans.  However, people are often confused about these loan types. Myth #1: FHA loans are only for low income people: Not true! A FHA or...

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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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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