Robert Sandoval Loan Officer NMLS ID 1697039

The more they talk bad the more God blesses. The Bible literally says blessed are you when they persecute you and falsely accuse you! So think about it that way! Everytime they open their mouth bad against you God will bless you.

Lord keep me in Position so I don’t have to Beg, Borrow or Struggle Amen

Your success gonna hurt a lot of feelings this year! Remember, it's not your fault.

PSA: When you get your Tax Refund Check this year DO NOT start paying things off on your Credit to buy you a Home DO IT THE RIGHT WAY....I’ve said it before and I’ll say it again if your goal is to buy a Home GO SPEAK TO A LENDER AND GET A SPECIFIC ACTION PLAN FOR YOUYou may not even have to pay off the things you think you have to pay Did you know that if your collections are medical they are NOT required to be paid to purchase a Home Did you know that if your c...ollections are NON-medical but total less than $2,000 they are NOT required to be paid to purchase a Home Did you know if you have a chargeoff or repossession (whether it was voluntary or involuntary) as long as it does not report as a collection that it is NOT required to be paid to purchase a HomePEOPLE PURCHASE HOMES EVERYDAY WITH REPOSSESSIONS Did you know that if you have a negative over 24 months it may not hurt your chances of purchasing a Home because the past two years are most important in Homebuying so STOP PAYING 4,5,6-year-old accounts off Did you know that in CA if a debt is older than 4 years old then you cannot be sued for it and it may not be beneficial to pay it for you to get a Mortgage Did you know building positive credit is wayyyyy more important than getting rid of negatives I.E pay down your credit cards b4 paying a collection or get a credit card if you don’t have one and keep the utilization low or add a positive installment loan. Did you know being added as an authorized user to someone’s account doesn’t help you get a Mortgage like you think it does and is actually frowned upon A lot of people are waiting to even start the process because they do not truly know where they stand. 90% of the people I speak to have never even seen their Mortgage Scores, and probably 95% do not even know a Mortgage Score exists. Most are checking their scores and credit on Credit Karma and have no idea about where they really are so they put it off. RIGHT NOW IS THE TIME TO BUYRATES ARE HISTORICALLY LOW AND WE DON’T KNOW FOR HOW LONG IF YOU WAIT YOU MAY BE VERY DISAPPOINTED IF YOU MISS OUT ON A CHANCE TO GET A RATE LOWER THAN 3.5% WHICH MEANS LOWER MONTHLY PAYMENTS If you truly want to know what you need to do to buy a Home speak with a Lender and more importantly don’t be afraid for them to run your Credit because that is the only way to truly know what you need to do. Inquiries DO NOT affect your MORTGAGE scores much (1-9 points at most) and sometimes NOT AT ALL, so get out of the fear of not wanting your Credit ran.