Charles Olguin NMLS #195285

Charles Olguin NMLS #195285 Area Manager NMLS 195285 at Rate (operating as Guaranteed Rate, Inc. in New York state) NMLS 2611. A mortgage company where homebuying meets well-being.

Rate combines your home, financial and personal well-being to spark a more balanced life.

08/27/2026

Be honest, did you get it before the reveal? Property taxes are sneaky like that. They can shift over time as your local assessment changes, which is one reason your monthly costs can climb even when your rate stays put. Knowing what drives those changes puts you ahead.

Drop your guess in the comments and tell me if you got it. Then reach out anytime you want to walk through what is really behind your mortgage.
https://myoc.io/D4vdn/ijf7D



NMLS # 195285

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/D4vdn/jZd1O



NMLS # 195285

08/24/2026

Preparation is the part of homebuying many people skip, yet it’s the part that pays off the most. The early steps are simpler than you think, and each one makes what follows easier.

Reach out anytime and I’ll help you find your starting line.
https://myoc.io/D4vdn/pZb7B



NMLS # 195285

08/20/2026

Return on investment is not the only reason to improve a home. Sometimes a project is worth it simply because it makes the place yours. What is the best or worst project ROI you have seen? Drop it in the comments.

And if you are considering a project of your own, reach out anytime and let’s talk through how it fits your bigger picture.
https://myoc.io/D4vdn/6cTjG



NMLS # 195285

08/19/2026

Renting can be the right fit for a season. But when your goals start changing, it may be time to understand what ownership could make possible.

I can help you compare the numbers and plan for what comes next.
https://myoc.io/D4vdn/o9Dyq



NMLS # 195285

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last ye...
08/18/2026

Pending home sales declined in July across all four regions, with signed contracts down from both last month and last year. More available homes could give buyers more to compare, while shifting activity means timing, budget and loan strategy matter. With the right options, you can better understand what fits your goals in a changing market.

Let’s review what today’s housing market trends could mean for your homeownership goals.
https://myoc.io/D4vdn/biAH5



NMLS # 195285

08/17/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/D4vdn/7I2Xo



NMLS # 195285

08/13/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/D4vdn/o73xn



NMLS # 195285

08/12/2026

A clearer housing plan starts with understanding your options. Renting may be right for now, but if you want more predictability in your
monthly budget, it may be worth seeing how homeownership compares.
https://myoc.io/D4vdn/acxyy



NMLS # 195285

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a L...
08/11/2026

Decreasing existing-home sales and a stubborn mortgage rate creates opportunity if you know how to navigate it. With a Loan Officer at your side, a long-term plan could help you take advantage of more inventory and sellers eager to close.
https://myoc.io/D4vdn/oTrlr



NMLS # 195285

Address

100 Sun Avenue NE Suite 650
Albuquerque, NM
87109

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