Elizabeth Alejo NMLS ID 502295

Get approved today for this amazing listing! 1516 Ursula Way, East Palo Alto, CA 94303 Main house:... 3 bedrooms, 2 baths. Secondary Dwelling: 2 bedroom, 1 bath. 500 sq ft. Offered at $1,495,000 Don't miss this amazing opportunity, call us now --!! #paloaltorealestate #paloaltorealtor #paloaltolistings #buyahome #californiarealestate #paloaltonewhomes #newhomespaloalto #realestate #newlisting #listingoftheday #sanjoseproperty #buyaproperty #mortgagebroker #loanofficer #californialistings

(EN) Interest rates are getting higher Contact us before they get even higher, you’re still on time! ' , --!... (ESP) La tasa de interés hipotecaría está subiendo ¡Contáctanos antes de que suba más, aún estás a tiempo! , --! #interestrates#tasadeintereshipotecario#tasahipotecaria#VAmortgage#mortgagebroker#prestamoshipotecarios#itin#veterans#finance#newhome#homepurchase#homebuyers#homebuying#buyahome#buyahouse #elizabethalejo1#bayarearealestate#bilingualloanofficer#VAmortgage#mortgagebroker#loans#veteransloans#downpaymentassistanceprograms#sanjoserealestate#equityresidential

Deseamos que tú y los tuyos tengan una Maravillosa Navidad y un Grandioso y Feliz Año Nuevo ¡Agradecemos mucho por todas nuestras bendiciones y eso te incluye a ti! Mi equipo y yo estamos para servirte y esperamos con ansías el inicio del 2021. #christmas #christmas2020 #merrychristmas #mortgageloanofficer #loanofficer #prestamositin #prestamositinnumber #itinloans #itinloanprogram #itincalifornia #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #...homepurchase #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential See more

(EN) Refinance your APR from 3.50% to 2.40%!! Pay less for your house and make your dream come true ... Call us now --!! (ESP) Refinancía tu APR de 3.50% a 2.40%!! Paga menos por tu casa y vuelve tu sueño realidad Llámanos ahora --!! #ficoscore #ficoscoresmatter #historiclowrates #puntajefico #fha #fhaloan #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential #itinprestamos #sanjosebienesraices #prestamoshipotecarios

Happy Holidays!! Wishing you and yours a very Merry Christmas and a grand New Year. Grateful for all of my blessings and that includes you! My team and I are here to serve you and we are looking forward to new beginnings in 2021. #christmas #christmas2020 #merrychristmas #mortgageloanofficer #loanofficer #prestamositin #prestamositinnumber #itinloans #itinloanprogram #itincalifornia #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #homepurchase #...homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential See more

(EN) Who said buying a home with an ITIN loan is impossible? We can help you tick that from your 2021 Wishlist. ... Contact us, and start living your dream! . . (ESP) ¿Quién dijo que comprar una casa con un préstamo ITIN es imposible? Nosotros podemos ayudarte a marcar eso en tu lista de deseos de 2021. ¡Contáctanos y comienza a vivir tu sueño! . . . . . . . #prestamositin #prestamositinnumber #itinloans #itinloanprogram #itincalifornia #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential

Wishing you and yours a very Merry Christmas and a grand New Year. Grateful for all of my blessings and that includes you! My team and I are here to serve you and we are looking forward to new beginnings in 2021. #christmas #christmas2020 #merrychristmas #mortgageloanofficer #loanofficer #prestamositin #prestamositinnumber #itinloans #itinloanprogram #itincalifornia #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential

(EN) Take advantage of today's HISTORIC LOW FHA INTEREST RATES! Refinance your current FHA loan with a FHA Streamline loan TODAY!... NO appraisal needed NO income docs needed Zero to low cost Lower your mortgage payment by lowering your interest rate. FICO scores as low as 580! Contact us, we can help you! . . (ESP) ¡Aprovecha la TASA DE INTERES MÁS BAJA en tu préstamo convencional o FHA! SIN valoración necesaria SIN comprobante de ingreso CERO a BAJO costo Disminuye el pago de tu hipoteca al reducir tus tasas de interés. ¡PUNTAJE FICO bajo de 580! Contáctanos, nosotros podemos ayudarte. . . . . #ficoscore #ficoscoresmatter #historiclowrates #puntajefico #fha #fhaloan #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential #itinprestamos #sanjosebienesraices #prestamoshipotecarios

You've done your research, made a 'pros and cons' list, and are now wondering what the heck do you even need to qualify for an Individual Tax ID Number? Don't worry; we got you! Here's an easy guide that would help you: 1. Be a Non-Resident... Any non-resident with a US source of income would need an ITIN from the IRS to file their United States tax return, as required by law, which therefore qualifies you to apply for an ITIN. 2. Have two documents as proof of identity and foreign status. These forms of identity include: - Passport (stand-alone document) - National identification card (must show photo, name, current address, date of birth, and expiration date) - US driver's license - Civil birth certificate (required for dependents under 18 years of age) - Foreign driver's license - US state identification card - Foreign voter's registration card - US military identification card - Foreign military identification card - Visa - US Citizenship and Immigration Services (USCIS) photo identification Medical records (dependents only under 6) - School records (dependents only under 14, under 18 if a student) 3. A fully completed IRS Form W-7 mailed to: 4330 Watt Ave, Sacramento, CA 95821 4. A US federal income tax return filed by the due date If the tax return you attach to Form W-7 is filed after the return due date, you may owe interest and/or penalties, so make sure you apply beforehand to avoid any penalties that hurt you qualifying for an ITIN. We hope you find this helpful. If you have any questions feel free to DM us, we're here to help you! Call today! --!! #prestamositin #prestamositinnumber #itinloans #itinloanprogram #itincalifornia #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential

Call me today for your preapproval! Habla me ahorra para su préstamo de casa! 408.799.9883!

Interests are going lower and lower It’s the perfect time to buy your dream home! Call today! --!! ... Los intereses continúan bajando ¡Ahora es el momento perfecto para comprar la casa de tus sueños! Llama ahora! --!! #interestrates #tasadeinteresbaja #tasadeintereshipotecario #vamortgage #itinmortgage #mortgagebroker #loanofficer #mortgagetips #mortgagingwithapurpose

Get approved today for this amazing listing! 2664 Senter Rd. #106 San Jose CA 95111 2 bedrooms, 2 baths 1,020 sq. ft ... Call today for more info, --!! Or call our Realtor Agent: Bertha M. González 409-594-0371 [email protected] #sanjoserealestate #sanjoserealtor #sanjoselistings #buyahome #californiarealestate #newhomesanjose #realestate #newlisting #listingoftheday #sanjoseproperty #buyaproperty #mortgagebroker #loanofficer

Con los intereses tan bajos, es tiempo de comprar tu casa! Si eres Real Estate Agent, en EA queremos hacer equipo contigo! LLámanos al --!!... #refinancecashout #fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #itinloans #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #firsttimehomebuyer

Crazy how the interest rate keeps going lower and lower! Now would be a perfect time to buy your dream home! ' , --!... #interestrates#tasadeintereshipotecario#tasahipotecaria#VAmortgage#mortgagebroker#prestamoshipotecarios#itin#veterans#finance#newhome#homepurchase#homebuyers#homebuying#buyahome#buyahouse #elizabethalejo1#bayarearealestate#bilingualloanofficer#VAmortgage#mortgagebroker#loans#veteransloans#downpaymentassistanceprograms#sanjoserealestate#equityresidential

We all want to get the most profit from our investments as possible. That's why we got you 6 ways to get a better refinance rate: 1. Increase your home’s equity: By increasing your home equity, you create a lower loan-to-value ratio (LTV). This is the amount that you’re borrowing as a percentage of your home’s value. 2. Improve your credit score: In general, borrowers with credit scores of 740 or higher will get the best interest rates from lenders. With a score of less tha...n 620, it can be difficult to get a lower rate. The best way to improve your credit score is by paying your bills on time, pay down credit card balances. 3. Pay closing costs upfront: Closing costs can be substantial, often two percent of the loan amount or more. Most applicants roll these costs into the new loan. While zero-closing-cost mortgages save out-of-pocket expenses, they can come with higher interest rates. To keep rates to a minimum, pay the closing costs in cash if you can. 4. Pay points: Points are fees you pay the lender at closing in exchange for a lower interest rate. Just make sure that discount points, as they are known, come with a solid return on investment. The more points you pay upfront, the lower your interest rate, and the lower your monthly mortgage payment. 5. Look beyond APR: Two mortgages with the same APR are often unequal. Some mortgage rates are lower only because they include points you’ll have to pay upfront. Others may have an attractive Annual Percentage Rate (APR), but cost more overall because of various lender fees and policies. 6. Know when to lock in the rate: Once you’ve found a new mortgage that meets your needs, consult with us to pick the best date to lock in low rates. Avoid expensive lock extensions. Ask us to determine the best day to lock the loan based on a conservative loan processing time frame. Otherwise, you may end up spending more money than you originally planned. What do you think about these tips? Have you ever consider any of these for refinancing your home? If you haven't thought about it, don't worry, you can be sure we'll always look for the best refinance rate for you. Call us at --!!

With interest rates this low, now is the time to buy your dream home! We're here to help, call us today at --!! #interestrates #tasadeintereshipotecario #tasahipotecaria #VAmortgage #mortgagebroker #prestamoshipotecarios #itin #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse... #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential See more

As we've been saying, an FHA Streamline is a special refinance product reserved for homeowners with existing FHA mortgages. It's the fastest and simplest way for FHA-insured homeowners to refinance their mortgages into today's low mortgage rates. FHA Streamline works like any other refinance program. It’s available as a fixed rate or adjustable mortgage; it comes as a 15- or 30-year term, and there’s no FHA prepayment penalty to worry about. But, how do you know if you're e...ligible for this type of refinancing? Although the FHA Streamline Refinance eschews traditional mortgage standards, like income and credit verification, the program does enforce minimum standards for applicants. For being eligible for an FHA streamline refinance with EA you'll only need: - 6 months of on-time mortgage payments from the date of closing. - At least 210 days since your last refinance - There must be a clear benefit - You must lower your rate by at least 0.50% - There’s no need for a home appraisal or income documents, however, you must be working. - The interest rate will depend on the credit scores and in most cases, we can cover the minimal closing cost! We just require 3 documents to begin the process: Your mortgage statement Your insurance information A copy of your ID Sounds amazing, huh? Give us a call at --! #refinancecashout #fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #itinloans #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #firsttimehomebuyer #firsthomebuyerspecialist

¡En EA tenemos todo el corazón y pasión para ayudar a toda la comunidad latina a cumplir el sueño de comprar su casa! Contáctanos al --!! #refinancecashout #fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #itinloans #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #firsttimehomebuyer

Keeping us safe while making your loan happen! We just love our new @nindydesignstudio custom mask. #businessfacemasks #facemask #customefacemask #covidprotection #logofacemask #personalizedfacemask #promoteyourbussines #fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse... #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential See more

Congratulations to the Magaña Family, who closed on a cash out refinance transaction at a 2.99% fixed rate for 30 years at NO POINTS! Thank you Magaña family for your continued business and trust! We’re honored to serve your family! ... . . . . . . . . #refinancecashout #fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #itinloans #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms

Ok, we have been talking a lot about refinancing and all its advantages to doing so, but maybe you're still wondering about how to go about it, like, when is the right time? Which refinance program works better for you? We know it can be tricky, so that's why we have you the ultimate !! Just click on the link in our bio on Instagram to get it. We promise you it would make your life easier! ... If you have any questions, please contact us at --!! . . . . . . . . . . . . . #stepbystepguidetorefinance fhaloan #fhaloans #fhaloanspecialist #refinancemortgage #refinance #veterans #finance #newhome #homepurchase #homebuyers #homebuying #buyahome #buyahouse #elizabethalejo1 #bayarearealestate #bilingualloanofficer #VAmortgage #mortgagebroker #loans #veteransloans #downpaymentassistanceprograms #sanjoserealestate #equityresidential @ San Jose, California

We know purchasing your first home is an exciting adventure with plenty of benefits. Homeownership can provide valuable tax breaks and offers an opportunity to build equity rather than spending rent money with no potential return. It is also an important personal and long-term financial decision, so it makes sense to prepare ahead of time and be sure you are ready. That's why we got you 5 things to consider before doing the purchase: ... . : Are you planning on staying at the same place of work, or seeking a different career that might cause you to move? Are you considering sharing your space with a partner or having children soon? Buying a home is a major investment that involves certain costs, so if you think you’ll be moving or need a larger home soon, it might make sense to wait until you can buy something you’ll be living in longer. . : Stable income is a vital factor in qualifying for a home loan. Even if you are in a non-traditional career, keep track of all your monthly income. This will help you and your lender to determine how much home you can comfortably afford. . : Building your credit score up to a healthy level can help you obtain the best possible interest rate on your home. Paying down your debt and utilizing other methods to boost your score before purchasing a home can lead to significant long-term savings. That said, there are programs available for borrowers with a range of credit scores, so if you are unsure about your score a Loan Officer can advise you on your options. . : The traditional 20% down payment is no longer the only feasible choice. Several programs may allow borrowers to pay little or no money out of pocket at the time of closing. Review how much of your savings you can put towards a down payment, and talk to an experienced loan officer about different loan programs to learn which is the best fit for you. . : We are happy to speak with you and answer your questions. Even if you are unsure whether now is the right time for you to buy, reaching out for advice from experienced professionals can give you peace of mind and a solid plan of action if you decide to wait. We continue to provide the highest level of customer service while adhering to social distancing guidelines; don't hesitate and contact us! Call --!!.