Valerie Gonzales- Loan Advisor

07/01/2026

Homebuyers,
📉 Mortgage rates have been on quite the ride over the last 20 years!

If you’ve been waiting for mortgage rates to get back to 3% before buying a home, I totally understand. But I want to show you a little perspective.

Over the last 20 years, rates have gone up, down, and everywhere in between. The ultra low rates we saw in 2021 were incredible but they weren’t the norm.

Here’s what I always tell my clients:
🏡 Buy when you’re financially ready.
📉 If rates come down later, you may have the opportunity to refinance.
📈 But if home values continue to rise while you’re waiting, the home you want today could cost more tomorrow.

Every family’s situation is different, which is why I love sitting down, running the numbers, and helping you build a strategy that fits your goals not just chasing the lowest interest rate.

If you’re wondering whether now is the right time for you, send me a message. I’d love to help you explore your options. ❤️

06/29/2026

🚫 Home Buyers: Avoid These 4 Costly Mistakes 🏡

Buying a home is exciting, but these common mistakes can cost you time, money, and unnecessary stress.

1. Waiting for the “Perfect” Market
There will always be a reason to wait. The best time to buy is when you’re financially and personally ready—not when you’re trying to perfectly time the market.

2. Not Getting Pre-Approved First
Before you start touring homes, know your budget. A pre-approval gives you confidence, helps you shop smarter, and shows sellers you’re a serious buyer.

3. Going Straight to the Listing Agent
Remember, the listing agent represents the seller’s best interests. Having your own trusted real estate agent ensures someone is negotiating and advocating for you.

4. Skipping the Home Inspection
Even beautiful homes can have hidden issues. A home inspection can uncover costly repairs before you close, giving you peace of mind and negotiating power.

✨ A little preparation now can save you thousands later.

📩 Thinking about buying? Send me a message, and I’ll help you avoid these mistakes and walk you through the process with confidence.

06/26/2026

Buying a home is one of the biggest financial decisions you'll make, and avoiding these common mistakes can save you time, money, and stress.

In this carousel, I’m covering 4 mistakes many buyers make:
🏡 Waiting for the “perfect” market
🏡 Skipping the pre-approval process
🏡 Going directly to the listing agent without your own representation
🏡 Skipping the home inspection

The right strategy can help you buy with confidence, regardless of where the market is today.

Swipe through to learn how to avoid these costly mistakes and put yourself in the best position for homeownership.

Thinking about buying a home this year? Send me a message—I'd be happy to answer your questions and help you create a game plan.

09/10/2024

Wondering how to pay for your investment property improvements? We’re ready to finance your endeavors for a new or current property with options to fit your situation. Contact us today!

09/09/2024

09/04/2024

Give that fixer-upper a good look. You can expand your home search by including properties that need some work. Our purchase + renovation loans include the cost of your remodeling and upgrades in your mortgage. Contact us today to learn more.

08/27/2024

Building equity in your home is one of the biggest perks of homeownership. With a home equity line of credit, or HELOC, you can leverage the value of your home to cover other expenses. http://spr.ly/6185mXPPS

08/21/2024

Even a small drop in your rate is a big deal. If a 0.5% decrease saves you $100 a month, that’s $1,200 every year! Contact us today to see the savings add up.