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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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Two Ways to Avoid PMI. This Answer May Surprise You

Two Ways to Avoid PMI. This Answer May Surprise You

by Athena Paquette | Apr 9, 2016 | Blog, Home Owners, Investors, Realtors

If you have less than 20% down, you have to pay PMI. FALSE. There are 2 ways to avoid PMI. One is to do what we called tandem financing or a “piggyback loan.” The first bigger loan is 80% of the price of the home, as if you have 20% down. Then we give you a second...
Do You Qualify for a Mortgage?

Do You Qualify for a Mortgage?

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

I love helping people find solutions! I had a young man come in to get qualified for a mortgage because he was about to inherit a home. Actually, he had already inherited it, had been living there, but when his mom passed away he was too young, too new on the job and...
True or False: You Need 2 Years of Tax Returns to Qualify?

True or False: You Need 2 Years of Tax Returns to Qualify?

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

FALSE! At times Fannie Mae and Freddie Mac’s automated underwriting system (DU and LP) will calculate that a borrower has good enough credit or enough equity or enough cash reserves where they find this borrower is low risk and therefore only needs to present 1 tax...
How You Can Refinance to Have a Home Worth Thousands!

How You Can Refinance to Have a Home Worth Thousands!

by Athena Paquette | Jan 30, 2016 | Blog, Home Owners, Investors, Realtors

Client graduates from Pharmacy school with $170,000 in student loan debt. No, that’s not the win, but here it is. She bought a home with her hubby while in school. They bought March of 2012 for $410,000. Put 20% down. Now the house is worth $550,000-600,000 and she...
Couple Manages to Get Money for Retirement

Couple Manages to Get Money for Retirement

by Athena Paquette | Nov 20, 2015 | Blog, Home Owners, Investors, Realtors

Clients who bought their home in 2005 for $580,000 and saw the value drop to $350,000 have finally seen their neighbor this month sell for $600,000. Yes they now can refi their 0 down loan from 2005. They still have a 6.1% interest only loan, and have not paid extra;...
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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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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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