Fred Hines Mortgage Advisor

Fred Hines Mortgage Advisor EVERETT FINANCIAL, INC. D/B/A SUPREME LENDING NMLS ID #2129 (www.nmlsconsumeraccess.org). Equal Housing Lender.

Fred Hines | Home Loans
Helping Bay Area buyers turn homeownership dreams into reality 🏡
25+ years mortgage experience | $500M funded
Serving Contra Costa & Alameda Counties
Message me for free mortgage guidance
NMLS #857823 | Supreme Lending NMLS #2129 https://bit.ly/SLDisclaimer For licensing information, go to: www.nmlsconsumeraccess.org. CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

After 25 years in the mortgage business, one thing still means a lot to me:Helping first-time homebuyers feel more confi...
06/05/2026

After 25 years in the mortgage business, one thing still means a lot to me:

Helping first-time homebuyers feel more confident.

Buying your first home in the Bay Area can feel overwhelming. There are numbers, questions, opinions, and a lot of moving parts.

What I enjoy most is helping people slow it down and understand what may actually make sense for them.

I’ve never believed in pushing someone to buy before they’re ready.

My job is to educate, guide, and help buyers understand their options — payments, affordability, timing, qualification range, and next steps.

Sometimes that means buying now.

Sometimes that means creating a plan for later.

Either way, the goal is clarity.

That’s why this work still means so much to me after all these years.

Thinking about buying your first home? I’m happy to help.

DM me “START” and I’ll help you understand the first steps. No pressure, just clear guidance.

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823

06/04/2026

If the down payment feels like the thing holding you back, you may have more options than you think.

A lot of first-time buyers assume they need 20% down before they can even start.

Depending on your situation, that may not be the case.

There may be lower down payment options, gift fund options, seller credit strategies, or assistance programs worth reviewing.

The key is not to guess — it’s to understand what may actually be possible for you.

You don’t need to have everything figured out before asking questions.

That’s what the first conversation is for.

DM me “DOWN PAYMENT” if you want help understanding your options.

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823

06/01/2026

First-time homebuyers: don’t let these myths stop you before you even start.

Myth #1: “If I don’t qualify now, I never will.”

Not true. Sometimes the first conversation simply helps create a plan for what to work on next.

Myth #2: “The lowest rate is always the best loan.”

Rate matters, but it’s not the only thing that matters. Payment comfort, loan structure, upfront costs, and your long-term goals all matter too.

Myth #3: “I should wait until I’m 100% ready.”

Most people don’t feel 100% ready when they start. The goal is to get clear guidance, understand your options, and make a decision that feels right for you.

Buying your first home is a big step — but you don’t have to figure it out alone.

DM me “START” if you want help understanding your options.

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823

HomeBuyingTips MortgageTips BayAreaRealEstate HomeBuyerEducation BayAreaHomes

Bay Area first-time buyers: waiting is not always the wrong decision.Sometimes waiting makes sense.But waiting without a...
05/29/2026

Bay Area first-time buyers: waiting is not always the wrong decision.

Sometimes waiting makes sense.

But waiting without a clear plan can sometimes cost more over time — especially if home prices, rent, or interest rates change while you’re on the sidelines.

That doesn’t mean you should rush into buying.

It means it’s worth asking the right questions:

What could I comfortably afford right now?
What would my monthly payment look like?
What options may be available?
Does buying now or waiting make more sense for my situation?

My goal is never to pressure anyone into buying before they’re ready.

My job is to help you understand the numbers, the options, and the timing so you can make a confident decision.

DM me “START” if you want help understanding your options.

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823

/20

My favorite Bay Area coffee shop?Apparently…my kitchen. Sometimes the best local spot is the one where the commute is o...
05/29/2026

My favorite Bay Area coffee shop?

Apparently…my kitchen.

Sometimes the best local spot is the one where the commute is only about 12 steps.

What’s your go-to Bay Area coffee spot?

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823




05/28/2026

I’m learning how to use ChatGPT to help me as a loan officer, and specifically with social media…and it’s amazing!

I’m just getting started with it, but I’m already seeing how it can help me organize ideas, create content, and show up more consistently.

AI isn’t replacing the personal side - it’s helping me share it better.

Pretty exciting stuff!




Bay Area first-time buyers: waiting is not always wrong.But waiting without a plan can get expensive.Prices, rent, and r...
05/26/2026

Bay Area first-time buyers: waiting is not always wrong.

But waiting without a plan can get expensive.

Prices, rent, and rates can change over time.

The goal is not to rush.
The goal is to understand your options clearly before you decide.

DM me “START” if you want help figuring out where to begin.

Fred Hines
Bay Area Mortgage Advisor
NMLS ID: 857823




05/08/2026

We’re not happy unless YOU are. Buying a home is a pretty big deal and we take that very seriously.
DM me for home buying tips and advice.

05/08/2026

My new home at Supreme Lending! Excited to be part of an amazing team. We are here to help you attain the goal of homeownership. We want to help you thrive!

03/08/2026

My amazing daughter, Emma, won the “Employee of the Year” award at the Brentwood Chamber of Commerce Gala last night. I couldn’t be more proud of her. She is everything a father could hope for in a daughter, and everything that an employer could ask for in an employee. Congratulations, Emma! I love you very much! 🏆

Address

5065 Deer Valley Road, Ste 242
Chandler, AZ
94531

Website

http://www.nmlsconsumer.org/

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