Rescom Financial Services

VA mortgage rates for purchase and refinance are very low at this time.

Rent or Buy? There are arguments for both! It truly depends on a potential homeowner's individual circumstances. To help understand the variables and evaluate the situation, there are some important questions to consider as you make the decision. 1. How long are you planning to stay where you are?... 2. How much will you save on taxes? 3. Are you comparing apples to apples? Making an accurate comparison between the financial impact of renting and buying starts by factoring in the complete costs of homeownershipnot just mortgage versus rent paymentsas well as an accurate assessment of how owning would affect your taxes. Rather than simply focusing on monthly or annual costs of the buy versus rent, consider which option will have a greater positive impact on your overall at the end of your stay. Does this seem like a lot to consider? We would love to help. Call today and we will help you review the numbers so you can come to an educated decision. 949-240-3880 NMLS: #226471 CalBRE: #01854569 Equal Housing Lender

Opportunity exists for those who are ready, willing and able to make a move! Are you ready to make the leap to home ownership? Want to find out what you can qualify for in today's market? ... Let us know, and we'll be happy to help! Call today 949-240-3880 NMLS: #226471 DRE: #01854569 Equal Housing Lender

Is your house too big and you need to downsize? Have you and your family outgrown your current home and need to look for something bigger? Hopefully your home is just right, but if not, give us a call and let’s chat about your options. ... 949-240-3880 NMLS: #226471 Cal BRE: #01854569 Equal Housing Lender

Happy Monday!! Call today to get started on your journey to homeownership!!! 949-240-3880 NMLS: #226471... BRE: 01854569 Equal Housing Lender See more

It’s already Sunday and we haven’t seen enough open houses yet this weekend! We need a do over! Let us know where you are hosting an open house today and maybe we can stop by or at least share it here for you here! Need a preapproval? We can help with that too! ... NMLS: #226471 BRE: #01854469 Equal Housing Lender

Saturday’s are great for house hunting! NMLS: #226471 BRE: #01854569 Equal Housing Lender

Attention Veterans and Active Military Personnel! Our VA Loans will help put you at ease. ***No Down Payment Required... ***Low Interest Rates ***Close in 30 Days ***Elite Pricing for 640+ FICO’s Call today to learn more! 949-240-3880 NMLS: #226471 BRE: #01854569 Equal Housing Lender

Take the first step in your journey to homeownership and call today! Opportunity exists for those who are ready, willing and able to make a move! Are you ready to take the steps necessary to purchase a home? Want to find out what you can qualify for in today's market? ... Let us know, and we'll be happy to help! Call today 949-240-3880 NMLS: #226471 DRE: #01854569 Equal Housing Lender

What might be keeping you from saving money with a refinance? Are there obstacles in your way? "I've read that the rate needs to be 1% or 2% lower than my current one." When average loan amounts were much lower, it took a much bigger drop in rates to achieve tangible savings. Today, even small rate differences can make a big impact. The best way to determine value is to simply divide your costs by your savings. This provides a "break-even" period, and if you know you'll be u...sing your loan past this point, the rest is pure benefit. "I haven't yet reached the break-even point from my last refi." That may be okay. Refinancing again will require additional investment, but it could get you to an overall break-even pointand greater savingsmore quickly. "I don't want to add years back to my loan." The new loan term created when you refinance is only on paper. You determine the actual length of the loan by how much you pay. If lowering your interest rate saves you $100 per month, add that money to your new payment. You will reduce your balance more quickly and reach free and clear ownership faster than you would by keeping your current loan. "It's too expensive." I'd rather save my money. Refinancing is all about saving money! The historically low interest rates that make refinancing such a good deal right now also make saving" your money in the bank a lousy one. Banks are paying just fractions of a percent to hold your cash, but investing in a refinance could save you hundreds of dollars per month for a far greater yield on your cash. Example: If closing costs = $3,600 and annual savings = $1,200 that's a 33% rate of return on your money ($3,600 x 33.3% = $1,200). Even better, you can often refinance without using any funds "out of pocket." Refinancing can have other benefits, too. A lower rate may mean not only a smaller payment but more paid toward principal each month, too. You may be able to free up cash for renovating your home, financing a college education, purchasing a vacation home or investing in property without adding to your monthly expenditures. Are you ready to explore your refinancing options by the numbers? We're here to help. Call us today 949-240-3880 NMLS: #226471 BRE: #01854569 Equal Housing Lender

It’s Taco Tuesday! Let’s taco ‘bout your home loan! Give us a call today to get started! 949-240-3880 NMLS: #226471... BRE: #01854569 Equal Housing Lender See more

Still Writing Checks to the Landlord!?! Home loan payments are now often less than rent! If you don’t intend to stay in your home long, need extra mobility or are unsure about your employment prospects, renting probably makes good sense for you. But if you're planning to stick around, owning may prove to be more rewarding. ... Rates are still near historic lows! Buying builds equity. On most mortgage loans, you pay down the principal balance with each payment. This typically starts at about $100 per month for every $100,000 of loan balance and increases each month through the entire life of the loan. To make a fair comparison, be sure to subtract principal paid from a home loan payment vs. the cost of renting the same property. Home values rise over time. Increases are not guaranteed; however, if we use the last 50 years as a guide, values have typically risen at a pace above inflation. Homeownership often brings tax benefits. Deductions for home mortgage interest and real estate taxes save many homeowners thousands every year. Others still find taking the standard deduction more beneficial. Always consult your tax pro for advice. It’s more than just the money. Families become rooted in a neighborhood, school district and community. Homeowners have the freedom to choose paint colors and make modifications. Pets are welcomed. Intangibles like these often formulate the most valuable returns. Housing is a precious commodity that we all need every day. It's your choice to rent or to own, yet buying a home for yourself usually beats buying one for your landlord. If you want to learn more or find out what you might be able to afford, reach out. We're always happy to help. Call us today! 949-240-3880 NMLS: #226471 BRE: #01854569 Equal Housing Lender

Enjoy the game, but first start your mortgage app! Link in bio! Save as you go so you don’t miss the #halftimeshow! #Superbowl2020 ... Thank you #UWM for the Commercial! We are here and ready to help!! NMLS: #226471 BRE: #01854569 Equal Housing Lender

So long January! Let’s make this month amazing!!!

This is how we close loans everyday!!! We just get super excited on Friday’s because we know you will be out this weekend looking at open houses and are looking forward to hearing all about it!! Let us know how we can support your journey! Call 949-240-3880... NMLS: #226471 BRE: #01854569 Equal Housing Lender

What a fantastic time! Thank you to everyone who attended! #public74 #happyhour #businesspartners #realestate #orangecounty #homes #buy #sell #refinance #directlender #mortgagebanker #mortgage #lending #homeloans #homeownership #firsttimebuyer #commercial #investment #residential

Call today and we will match you with the perfect mortgage! Your favorite mortgage match-makers are waiting for your call 949-240-3880 NMLS: #226471... BRE: #01854569 Equal Housing Lender See more

From pre-approval, to comparative analysis of properties, to closing and beyond, we are ready to help. That's what we do every day, and if you don't mind our saying so, we do it well. Reach out at your convenience and let's work together to achieve your dream of home ownership. Call 949-240-3880 today to get started.... NMLS: #226471 DRE: #01854569 Equal Housing Lender

Big-Home Dreams? Big Price Tag? Don’t let that scare you! Call today and ask about our Jumbo Loan Programs! You’ll be happily surprised! ... NMLS: #226471 BRE: #01854569 Equal Housing Lender

We love our clients! Call today to get to start on your journey to homeownership! 949-240-3880... NMLS: #226471 BRE: #01854569 Equal Housing Lender

What are you grateful for on this beautiful Sunday? NMLS: #226461 BRE: #01854569 Equal Housing Lender

Saturday’s are great for open houses!!! Are you hosting an open house today? We’d love to visit!! NMLS: #226471... BRE: #01854569 Equal Housing Lender See more

Call today!! We would love to help you finance your home!!! 949-240-3880 NMLS: #226471 BRE: #01854569... Equal Housing Lender See more

Opportunity exists for those who are ready, willing and able to make a move! Are you ready to make the leap to home ownership? Want to find out what you can qualify for in today's market? Let us know, and we'll be happy to help! ... Call today 949-240-3880 NMLS: #226471 DRE: #01854569 Equal Housing Lender

Transform your biggest wish into an achievable goal! At Rescom Financial Services, we can help! Call today 949-240-3880 NMLS: #226471 BRE: #01854569... Equal Housing Lender See more

Good Credit? Bad Credit? We can help guide you on the path to homeownership! Give us a call today to start your journey. 949-240-3880... NMLS: #226471 BRE: #01854569 Equal Housing Lender

Everybody can be greatbecause anybody can serve. You don’t have to have a college degree to serve. You don’t have to make your subject and verb agree to serve. You only need a heart full of grace. A soul generated by love. Martin Luther King Jr.

Today we are grateful for clients who have become friends...... NMLS: #226471 BRE: #01854569 Equal Housing Lender

Saturday’s are great for open houses, cars, coffee and friends! NMLS: #226471 BRE: #01854569 Equal Housing Lender

We Love our Clients! In our Industry it is ALL about team work! There is so much work behind the scenes, so many people and companies involved with each transaction. We are grateful for each and every one!!! Of course we wouldn’t even be here without our incredible clients! Our clients play the biggest role and are part of the team during the loan process. We love what we do and love our clients!!!... To get started on your journey to homeownership call 949-240-3880 or send us an IM today! NMLS: #226471 BRE: #01854569 Equal Housing Lender

We are extremely happy to welcome the newest member of our Rescom Team, Danika Pictor! Danika was born in Cortez CO but has resided in South Orange County for the past 30 years, where she has raised her 4 children. She has worked in the real estate & mortgage lending industry for almost 30 years and has been self-employed for half of those years. She is one of two innovators that created the Business Development role in the Orange County Mortgage Lending Industry. Danika has ...worked every position in the industry, from sales to operations, all the way to the executive level; because of her background in the industry she possesses expertise at all levels. Danika is also an entrepreneur who has thrived in other businesses within different industries; she is a very successful business woman. Danika enjoys helping others grow their businesses, making sure they are running effectively and efficiently while ensuring return on investment. She does this by educating, leading and helping to make their dreams come true. She is very creative, loves music and the arts, seeks adventure, especially in nature, and relishes being a voice for those who need one. She has an enormous passion for health, wellness, fitness, and inspiring others to be the best version of themselves, while finding their purpose in life. We couldn’t be more excited to have such a strong force on our Team and look forward to her incredible success!

When you moved into your adorable home a few years back, things looked a little different or maybe a lot different! Now that your family is growing, it might be time to move to a bigger house. When you’re moving to accommodate a growing family, there is a lot to consider!! Give us a call today we would be honored to help you on your journey! 949-240-3880... NMLS: #226471 BRE: #01854569 Equal Housing Lender See more

If you could buy a home anywhere in the world, where would it be? NMLS: #226471 BRE: #01854569 Equal Housing Lender

If you dream of owning your own home we can help guide you through the process. Everyone starts somewhere and we'd love for your journey to start with us! Call us today. We are waiting to hear from you. 949-240-3880 NMLS: #226471... BRE: #01854569 Equal Housing Lender See more

Have you started a new chapter in your life or will you start one soon? We can help you go from Wedding Bells to Door Bells! Maybe it is time to consider where you'll plant roots, make memories and call home? ... Are you ready for your next exciting commitment? We make the process simple! NMLS: #226471 BRE: #01854569 Equal Housing Lender

What motivates you on Monday Mornings? We get excited for another chance to accomplish great things while helping amazing people achieve their dreams! It is a great day to be enthusiastic and to appreciate how blessed we are to have another week and another day of life! We must make a conscious effort to use this first day of the week to launch us into success and happiness! Cheers to a fantastic week! ... NMLS: #226471 BRE: #01854569 Equal Housing Lender

Sunday is the perfect day to refuel your soul and to be grateful for each and every one of your blessings.

If you LOVE the #house, Don’t Lose the Bid. In the housing market, the best deal doesn’t always come with the lowest price. Price vs. Payments - If you're financing your purchase, you'll probably never come close to paying the actual price. You're making a comparatively small down payment and then paying interest on the loan until you refinance or sell. Yes, you will have a higher payment if you pay more for the home, but an extra $10,000 of mortgage money can add less than $...50 per month on a low-rate, 30-year loan. Relative Prices - Our natural tendency to pay as little as possible is not as meaningful for an investment, such as a home, as it is for a consumable. In this case, what you pay now can affect your sales price later. There may be little difference in total earnings if you pay less and sell for less or pay more and sell for more. Influencing Value - For appraisers, the last sale or "comp" in an area sets the value for similar homes. Whatever you pay helps to establish what your home and comparable properties are considered to be worth. Setting the Trend - If you pay less for your home than was paid for the last similar home, you may be contributing to a downward price trend, which can be difficult to reverse. Conversely, helping to maintain a trend of price appreciation can end up paying you back many times over. One Chance - No two homes are ever exactly the same. Even when structure matches, your land, your view, your address and your immediate neighbors will always be different. You truly may have only one chance at just the right house. Industry professionals have all seen buyers lose out on what they really wanted. We don’t want that to happen to you. Nor do we want you to pay more tomorrow for something less than what you could have had today as a result of increasing prices and rates. Reach out, and we'll be happy to help you weigh your options for the home you would really love to own today. 949-240-3880 NMLS: #226471 BRE: #01854569 Equal Housing Lender

Happy New Year to you and yours! Wishing you happiness, health, peace and prosperity in #2020 and Beyond!

Would you like to achieve the goal of homeownership in 2020? Call today and let us help! 949-240-3880 NMLS: #226471... BRE: #01854469 Equal Housing Lender See more

Everything in our lives is a reflection of what we think...what will you focus your thoughts on more than anything in 2020? Will it be homeownership? We can help! Call today 949-240-3880... NMLS: #226471 BRE: #01854569 Equal Housing Lender