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

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What Would You Like To Learn?

Is there an area of interest you’d like to learn more about? Please get in touch and let me know!

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Payment calculator

Our calculator is designed to help determine whether using a mortgage to consolidate your debt is right for you.

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Become a Smarter Investor

Sign up to receive timely information on market trends, FHA, Fannie Mae, and Freddie Mac. Learn about credit pitfalls to avoid.

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Glossary of Terms

A helpful list of common but often confusing terms. Learn the language of investments, mortgages and more.

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Loan checklist

A quick checklist of all the financial documentation you will need for a successful loan approval.

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How Business Owners & Self-Employed Professionals Qualify for a Mortgage

by Justin Williams | January 29, 2026 | Blog, Featured | 0 Comments

Even When Tax Returns Show Low IncomeIf you’re a business owner, self-employed professional, or independent contractor, your tax returns may not reflect what you truly earn — and that can make qualifying for a mortgage frustrating. Many entrepreneurs do exactly what...
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17 Questions Every First-Time Homebuyer Should Ask a Mortgage Lender

by Justin Williams | November 13, 2025 | Blog, Home Buyers | 0 Comments

Feel confident. Get clear answers. Make smart decisions. Buying your first home is exciting… and a lot to take in. With so many moving parts, it’s easy to feel unsure about what to ask a lender — or what the answers even mean. This guide gives you the exact questions...
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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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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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Recent Additions

Barbara Barker, CA.

May 17, 2012 | Testimonial

“Thank you Athena. This has been a painless process thanks to your shepherding and I love the results.”

I’m a Veteran. Can I Qualify for Zero Percent Down on a Home?

I’m a Veteran. Can I Qualify for Zero Percent Down on a Home?

May 28, 2011 | Blog, Slide

I’m a Veteran. Do I qualify for a zero percent down payment?

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Address

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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