EstaR mortgage Chris Freck NMLS#241125

EstaR mortgage Chris Freck NMLS#241125 A Bilingual Brokerage: Our goal is educating each client with all information you need. EstaR Mortgage dba of Mutzig Management, Inc.

The mortgage planning relationship is about YOU:
- Receiving valuable financial advice & guidance that can literally save you hundreds of thousands of dollars.
- Trusting a professional who is committed, qualified and equipped to deliver what they promise.
- Experiencing a "concierge" level of service when you are in the market to buy a home, refinance your mortgage or make cash flow changes to en

hance your lifestyle.
- Implementing a defined financial plan of action in helping you achieve your life goals and dreams.
- Maintaining an on-going high trust relationship with a team of financial advisors who can help you make necessary changes in your debt, cash flow and home equity planning strategies. We approach each consultation with the goal of providing the client with enough information to allow you to make an educated decision. You should be comfortable with the details and facts behind your decision & comfortable w/ the strategy you choose to employ for long term sustainability. NMLS # 1547521 | nmlsconsumeraccess.org

09/08/2026

Your business bank account is full of deposits.

So why doesn't all of it count as mortgage income?

Because self-employed underwriting is looking at documented, sustainable cash flow—not simply money entering an account.

Lenders may review:

📄 Tax returns
📊 Business income and expenses
🏦 Business assets
📈 Income trends
🧾 Recurring vs. nonrecurring items
🏢 Business structure and ownership

Some noncash expenses, such as depreciation in applicable circumstances, may be added back during cash-flow analysis.

Nonrecurring income may need to be removed.

And if you're using business funds for the down payment or closing, lenders may need to verify that withdrawing the money won't hurt the business.

Self-employed doesn't mean impossible.

It means your financial story usually requires better documentation.

Prepare the file before you fall in love with a house.

EstaR Mortgage
NMLS #1547521

Today is about the people who build, teach, care, create, repair, deliver, protect, serve, and keep our communities movi...
09/07/2026

Today is about the people who build, teach, care, create, repair, deliver, protect, serve, and keep our communities moving forward.

Behind every home, neighborhood, business, and opportunity are people putting in the work every day.

At EstaR Mortgage, we know that homeownership is often the result of that same commitment:

Years of working.
Years of saving.
Years of planning.
Years of building toward something bigger.

So today, we simply want to say:

Thank you.

To every worker building a future for themselves and their families—your effort matters.

We hope you enjoy a safe and well-earned Labor Day with the people who matter most.

Happy Labor Day from the EstaR Mortgage family.

EstaR Mortgage
NMLS #1547521
Call: 510-463-1003
Email: [email protected]
Website: https://www.estarmortgage.com/

09/03/2026

Before getting a reverse mortgage, ask these 3 questions

1. How much do you actually need?

Not how much you can access.

2. Should you compare a HELOC?

Different payment structures. Different rates. Different costs.

3. Can you still afford your other housing expenses?

Taxes, insurance, and maintenance don't disappear.

Your equity is a tool.

The goal is using the right amount, through the right option, for the right reason.

09/02/2026

Traditional HECM vs. HECM for Purchase

09/01/2026

Think your credit score is too low for a reverse mortgage?

Do not assume that yet.

For an FHA-insured HECM, HUD does not establish a minimum decision credit score.

But lenders still review your financial history.

That can include:

Credit history
Property-tax payments
Mortgage history
Income and expenses
Residual income
Your ability to maintain future property obligations

So a low score itself is not necessarily the deciding factor.

What matters is the complete financial assessment.

Depending on the findings, documented extenuating circumstances or a property-charge set-aside may also become relevant.

The lesson: don't disqualify yourself based on your credit score alone.

EstaR Mortgage | NMLS #1547521

08/31/2026

Thinking of using your home equity soon after buying?

Be careful not to assume that equity automatically means immediate access.

For many conventional cash-out refinances, if the new loan is paying off your current first mortgage, that mortgage generally needs to be 12 months old first.

08/27/2026

Still waiting until you save 20% to buy a home?

You may want to check your options first.

20% down can be useful.

But it is not required for every mortgage.

Depending on eligibility, buyers may have access to options such as:

Conventional financing with down payments as low as 3%
FHA financing with 3.5% down
VA options with no down payment for eligible borrowers
USDA zero-down options for qualifying borrowers and properties

The important part is not choosing the smallest down payment possible.

It is choosing a structure that fits your:

Budget
Monthly payment
Cash reserves
Closing costs
Long-term goals

Do not assume you are years away from homeownership because you have not saved 20%.

Find out what your actual numbers look like first.

Book a buyer strategy call and review the options you may qualify for.

Baby boomers didn’t just survive America’s housing market.They now command it.In 2026, baby boomers represented a major ...
08/25/2026

Baby boomers didn’t just survive America’s housing market.

They now command it.

In 2026, baby boomers represented a major share of recent home buyers and sellers.

Why?

Because decades of homeownership created something many younger buyers are still trying to build:

Equity.

That equity gives many boomers powerful advantages.

Some can:

✔️Buy their next home with cash
✔️Avoid traditional financing
✔️Use accumulated wealth to create flexibility

But there is one important thing many homeowners forget:

Home equity is valuable…

But it is not the same as cash in the bank.

A large amount of retirement wealth may be sitting inside the home.

Accessing that equity may involve options like:

✅Selling the home
✅Refinancing
✅Borrowing against equity
✅Exploring a reverse mortgage

Each option comes with different costs, requirements, and long-term consequences.

The smartest move is not unlocking equity just because it exists.

The smartest move is understanding how that equity fits into your retirement strategy.

Your home may be your biggest asset.

Make sure it works for your biggest goals.

EstaR Mortgage
NMLS #1547521
510-463-1003
https://www.estarmortgage.com/

08/20/2026

Your closing date is coming…

Then one small issue delays everything.

Three common mortgage closing delays:

1️⃣ Missing documents
2️⃣ Property issues
3️⃣ Last-minute financial changes

The good news?

Most are preventable.

Stay organized.
Respond quickly.
Talk to your loan officer before making changes.

A smooth closing starts with preparation.

EstaR Mortgage
NMLS #1547521

When most people hear “reverse mortgage,” they think:“Using home equity from a house you already own.”But there is anoth...
08/19/2026

When most people hear “reverse mortgage,” they think:

“Using home equity from a house you already own.”

But there is another possibility:

HECM for Purchase.

For eligible seniors, this program may help purchase a new primary residence.

It may be useful for homeowners who want to:

🏡 Move closer to family
🏠 Downsize
🌴 Relocate during retirement
🔑 Find a home that better fits their lifestyle

A reverse mortgage is not automatically the right answer for everyone.

Understanding the requirements, costs, and responsibilities is important.

The biggest mistake is not knowing your options.

Comment “PURCHASE” and I’ll show you how HECM for Purchase works.

EstaR Mortgage
NMLS #1547521
510-463-1003
https://www.estarmortgage.com/

Address

2413 Webb Avenue STE E
Alameda, CA
94501

Telephone

+15104631003

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