Mina Mortgage, NMLS# 1380693

Weekend Work Set Up It’s always nice to change up the scenery once in a while. ... Hope everyone’s having a wonderful weekend! #homeoffice #homedecor #patiodecor #patiodesign #outdooroffice #workfromhome #bohostyle

Going back to basics. What’s a rate lock? ... At what point in the home buying process can you lock in a rate? #ratelock #homebuyingtips #firsttimehomebuyer #mortgagetips #realestate #ocrealestate #mortgage #mortgagerates #rates #financetips

Changing the Fairytale #womenempoweringwomen We’ve come a long way but the truth is, there is still a very prevalent notion in our society that home ownership comes after marriage.... But according to 2019 data, single women made up 20% of home buyers last year while single men made up 10%! I’ve had the privilege of working with a few women in this category and I just wanted to take a moment to highlight their HUGE accomplishment. Despite the common misconception that home ownership is nearly impossible in California, these women saved, planned, and took initiative to reach out to get educated about the process and how owning a home would help them build wealth over time. You inspire me so much and I’m honored to be able to call you my clients. #challengeaccepted #womenempowerment #empoweredwomenempowerwomen See more

Can Recent College Grads Qualify for a Mortgage? YES. Most have heard you need a 2 year work history in order to qualify for a mortgage.... But....For an individual who just finished college and is now a full time employee in the field in which they got the degree for, you can still qualify for a mortgage. The years you were in college actually becomes part of your work history when filling out the application form. Even if you just started working, if you now earn an annual salary of x amount and your employer can verify that, we can still use that full income for qualifying! Congrats to all the recent college grads out there! #mortgagetips #homebuyingtips #personalfinance #mortgagelender #collegegrad #ocrealestate #financetips #mortgage #womeninbusiness #firsttimehomebuyer #homeownership #homeownershipgoals See more

The only living plants I’ve ever owned before were cactus plants and succulents. No, they are not around anymore. ... Please pray for these two plants who just joined the Mina Mortgage family! #plants #fiddleleaffig #plantsofinstagram #officedecor @ Mina Mortgage, NMLS# 1380693 See more

Topics we cover Common misconceptions first time home buyers have regarding home insurance Best ways to lower your annual premium... What does the standard home insurance policy cover? Thank you for taking the time to participate in this interview, Julie! This information was so helpful. See more

NOW UNTIL APRIL, 2021 YOU CAN OBTAIN A FREE CREDIT REPORT WEEKLY Before this announcement, the credit bureaus - Transunion, Equifax, and Experian only allowed one free report every 12 months. So why should you check your credit?... Gain clarity on your monthly debt obligations. Check for any discrepancies or fraud. Understand what’s helping and what’s hurting your credit score so you can make the necessary adjustments! You can go to AnnualCreditReport.com to access your free report. #personalfinancetips #creditrepair #ficoscore #mortgage #debtfreelife #financialfreedom #homebuyingtips #creditscoretips #creditscore #experian #equifax #transunion #personalfinance #wealthmindset See more

Can Recent College Grads Qualify for a Mortgage? YES. Most have heard you need a 2 year work history in order to qualify for a mortgage.... But....For an individual who just finished college and is now a full time employee in the field in which they got the degree for, you can still qualify for a mortgage. The years you were in college actually becomes part of your work history when filling out the application form. Even if you just started working, if you now earn an annual salary of x amount and your employer can verify that, we can still use that full income for qualifying! Congrats to all the recent college grads out there! #mortgagetips #homebuyingtips #personalfinance #mortgagelender #collegegrad #ocrealestate #financetips #mortgage #womeninbusiness #firsttimehomebuyer #homeownership #homeownershipgoals See more

Note - Rates fluctuate daily and the numbers presented in the video are only estimates for the purpose of the example. Many believe the down payment is the main indicator on when to buy. For example, when I have enough money saved for 20% down then I will buy a home. But that’s not the main factor that should make your decision on when you should buy. ... If you are financially stable and have some funds to put down for a home comfortably and are comfortable with the payment presented, that’s when you should buy. I explain more details in the full video! #homebuyingtips #mortgagetips #homeowner #personalfinancetips #ocrealestate #homepurchase #financetips #mortgagelender #mortgageadvisor #interestrates #mortgagerates #realestatetips #homeownership #homeownershiptips #firsttimehomebuyer See more

The only living plants I’ve ever owned before were cactus plants and succulents. No, they are not around anymore. ... Please pray for these two plants who just joined the Mina Mortgage family! #plants #fiddleleaffig #plantsofinstagram #officedecor @ Mina Mortgage, NMLS# 1380693 See more

Topics we cover Common misconceptions first time home buyers have regarding home insurance Best ways to lower your annual premium... What does the standard home insurance policy cover? Thank you for taking the time to participate in this interview, Julie! This information was so helpful. See more

NOW UNTIL APRIL, 2021 YOU CAN OBTAIN A FREE CREDIT REPORT WEEKLY Before this announcement, the credit bureaus - Transunion, Equifax, and Experian only allowed one free report every 12 months. So why should you check your credit?... Gain clarity on your monthly debt obligations. Check for any discrepancies or fraud. Understand what’s helping and what’s hurting your credit score so you can make the necessary adjustments! You can go to AnnualCreditReport.com to access your free report. #personalfinancetips #creditrepair #ficoscore #mortgage #debtfreelife #financialfreedom #homebuyingtips #creditscoretips #creditscore #experian #equifax #transunion #personalfinance #wealthmindset See more

Zoom Struggles Working from home means you can’t always control who pops up in your background. Saw this online and had to try it. ... #quarantineproblems #zoom #zoommeeting #zoomlife #video #minamortgage #stayhome #zoomvirtualbackground #bobamilktea #bobalife See more

Does a Pre-approval Letter Have an Expiration Date? Watch the rest of the video to find out! ... #mortgageadvice #firsttimehomebuyer #homebuyingtips #homebuying101 #homebuyingprocess #preapproval #homeownership #irvinerealestate #ocrealestate #southbayrealestate #educationispower #mortgagetips See more

How much should you have prepared on top of the down payment? The numbers laid out in the video are for the purpose of simplifying your planning for how much funds you should have prepared in total when buying a home. In many cases the total of the closing costs, prepaid items, reserves and moving expenses will be lower but I always recommend keeping this number in mind when budgeting for your first home purchase!... #closingcosts #mortgagelender #homebuyingtips #firsttimehomebuyer #homeownershipgoals #personalfinance #mortgagetips See more

First Time Home Buyer FAQ Series Topic #1 - Property Taxes The property taxes you pay will be different from what the seller’s have been paying.... How much you pay in property taxes is calculated by taking the price you are purchasing the home for and multiplying it by whatever the tax rate is in the neighborhood / city your home is located in. For example, if the tax rate is 1.15% and you are buying a $500,000 home, the property taxes you pay annually will be: 0.0115 x $500,000 = $5,750 or $479/month. #mortgage #mortgagetips #propertytax #homebuyingtips #firsttimehomebuyer #firsttimehomeowners #buyingahome #homeownershipgoals #homepurchase #educationfirst See more

It’s interesting how sometimes one simple concept can ease a lot of fears in the housing market today. Although no one has a crystal ball, during times like this, the best we can do is study the data and trends to determine the most probable outcome. Supply and demand leads me to my personal opinion on what might happen to home values due to the pandemic.... We were and still are in a record low inventory environment. The opposite is true for the years leading up to the housing bubble burst 11 years ago where we saw the home values decrease dramatically. Although the appreciation forecasts economists were predicting has gone lower, home values as we stand now are predicted to remain steady or appreciate slightly in the short run. Simply due to the lack of inventory available. But there are still a lot of interested buyers looking to enter the market. #mortgage #realestate #covid19 #homevalues #housingmarket #realtor #mortgageadvisor #minamortgage See more

For those of you with questions, feel free to join us for a quick live update on what’s happening in housing and lending!

#healthcareheroes I want to take a moment to thank some of my recent clients I had the honor of working with who are in the frontlines of fighting this pandemic. From the bottom of my heart, thank you for your selflessness, bravery and courage. You guys inspire me every day to always act in the service of others.... #nurse #healthcareworkers #coronavirus #COVID19 #appreciation #nursesofinstagram #healthcareheroes See more

For anyone who needs to hear this - You are an amazing human being doing the best you can with some really hard human things right now. <3