Kenzie Kawamura NMLS 1840401

Thanksgiving is around the corner and the new year soon! Hope everyone has started their holiday shopping. Rates are so attractive now for home buying or refinancing, one would be crazy not to take advantage! History shows it's also a great time for purchasing as sellers may be more inclined to sell their properties during the holiday season which means a smoother negotiating process for the buyer. Lock in those rates asap. Consolidate any debts. Cash out for remodeling... or investment on another property. Contact me.

To our amazing veterans and their families, thank you. To all who have served and continue to serve, we are forever grateful.

Anyone heard of a granny flat? Also known as an accessory dwelling unit. In many California cities, it is still illegal to build apartments because many areas cannot have multifamily buildings. However, it is perfectly legal to build an A.D.U. unit. It doesn't come without costs though. Permits and applications have very high fees. But for those who has the space or equity to build and make some rental income, can be a great opportunity. Converting a garage to an A.D.U. is al...so an option with permits if not a small cottage in the backyard. Perfect timing for refinancing to do these kinds of projects. PM for mortgage related questions. :) #MLO #H1MB

October is breast cancer awareness month, one of the most common cancers in women worldwide.

Happy Columbus Day~!! Stock market is still open today, however, the bond market still follows the government schedule and is closed on this federal holiday. Regardless, H1MB is still up and running today! ... Rates still remain at a historical low which makes for perfect timing to refinance or purchase your dream home. PM for questions.

2019 has been the best year for mortgage rates since 2011. Now is a great time to plan on purchasing a property or refinancing and consolidating your debts. FHA and Conventional loans are most common. Which loan product or loan programs is best for you? Well it depends. A few factors to consider: ~ Will this home be temporary or long-term?... ~ Is there enough space for my family? ~ Am I in the ideal school district? ~ Will my children still be at home in 5 or 10 years? ~ Also how is my credit background? Conventional loans require a 20% down payment to avoid mortgage insurance and also a requires good credit. Lower down payment requires insurance until the home equity reaches 22%. FHA loans can be done with a score of 580 minimum, however, you will be paying for mortgage insurance no matter what. 3.5% minimum down payment is all you need. Both loans has its pros and cons. To summarize, FHA offers more flexibility, especially with challenging credit. Conventional might be better with excellent credit and 20% down payment. Every case is different depending on your background, needs, and goals. So please consult with mortgage professional for any questions. I'm available any time! FYI, we also do V.A loans!! P.M. me and I will reply asap! If credit issue is a problem, we can work with you. Contact me. Thank you!

Happy Thursday! Beautiful day in Southern California. Summer is officially over! Holidays are around the corner. make sure you're saving up for holiday events and using your credit wisely. Credit is very important if you plan to make large purchases such as a car or a residential property. And a credit history is required for purchasing a house so make sure you're making monthly payments, on time of course, and your credit score should raise accordingly. ... I don't know about you but I'm excited that the fall and holidays are around the corner. By the way, rates are historically low so if you have any questions concerning refinancing, especially to consolidate debts, or purchasing residential homes, message me. Never hurts to plan ahead, even if you're buying a year or two from now.

Happy Saturday!! Rates are so low now. Consider purchasing or refinancing.... Residential loans Income requirements: ~Gross income is used. ~2 years work history in same industry. ~School may be used in lieu of work history. ~2 last pay stubs. ~2 years W2s. ~2 years tax returns. Note about bankruptcies, must be 2 years. From discharge to purchase. Foreclosures are 3 years. Once ALL required documents are collected, including divorce papers, foreclosure documents, etc., loan applications goes to Underwriters in order to review and get preapproved. The preapproved letter is needed in order to make offers and get accepted. Do not risk losing your dream home. Act now. Contact me anytime.

Happy Thursday everyone!! If you're spending too much on rent, maybe it's time to consider purchasing a property. Start saving soon. Holidays are around the corner so budget accordingly. Contact a mortgage specialist for any questions and start planning for your dream home. 20% down payment is ideal for a conventional loan, lower with mortgage insurance. However, for an FHA, 3.5% is minimum if you qualify. Rates are very low right now.... And if you already own a property, consider refinancing for lower rates, and consolidate those debts if you have any. Credit card companies charge crazy high interest rates and you're mostly just paying interest every month if you're not paying down the balance fast enough. Contact a mortgage professional today, and if your credit is at a risk, do not fear, we can help. Credit repair is our specialty. Contact me anytime!! Have a wonderful day!!

Happy Friday!! Have a safe holiday weekend!!