Andes Mortgage

06/17/2026

CHECK OUT OUR FREE MORTGAGE CALCULATOR 👇

Use Andes Mortgage's free and easy to use mortgage calculator to help you estimate your home payments if you are looking to buy a home.

06/15/2026

First-time home buyer in 2026? Here’s something important to know:

There isn’t just one “best” mortgage loan.

The right loan depends on your situation — your credit score, income, location, military status, and how much you have saved for your down payment and closing costs.

Some common options for first-time buyers include:

✅ 3% down conventional loans
✅ USDA loans with 0% down in eligible areas
✅ FHA loans with 3.5% down
✅ VA loans with 0% down for eligible veterans and service members
✅ FHA loans paired with down payment assistance grants
✅ FHA loans paired with down payment assistance second mortgages

The biggest thing to remember is this:

You may not need 20% down to buy your first home.

Before you start shopping for houses, it’s important to understand which loan program actually fits your situation.

That’s where having the right guidance can make a huge difference.

This is not a commitment to lend. All loans are subject to credit approval, income, property eligibility, and program guidelines.

06/09/2026

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04/27/2026

A lot of people still believe you need a credit score to buy a house…
That’s not completely true anymore.
There are mortgage programs in 2026 that allow you to qualify using non-traditional credit—things like rent payments, utilities, and other bills you’ve been paying on time.

If you’ve been denied before because you don’t have a credit score, this could be a real opportunity.
Just remember—no credit and bad credit are very different.
If you want to see if you qualify, comment below or send me a message. I’m happy to help.

DISCLAIMER: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice or a quote of any kind

03/27/2026

If you own a home, there are several strategies that can help you pay off your mortgage years earlier and save a huge amount of interest.

In this video I break down 5 strategies including:

Bi-weekly mortgage payments
Adding extra money to principal
Refinancing into shorter loan terms
Advanced strategies like velocity banking

Some homeowners are even able to pay off their mortgage in under 10 years using the right strategy.

If you’ve ever paid off a mortgage early, I’d love to hear how you did it. Drop a comment below 👇

DISCLAIMER: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice or a quote of any kind.

01/27/2026

01/27/2026

🚨 Mortgage rate update — and this one is actually GOOD news.

I’m seeing:
Conventional rates back in the 5’s
FHA potentially in the 4’s with buydowns
VA rates getting very aggressive
USDA still extremely competitive

For buyers and homeowners thinking about refinancing, this is the type of shift that can change affordability FAST.

Every situation is different, but if you’re curious where you might land, drop a comment with your loan type and general credit score range, or send me a message. Happy to point you in the right direction.

DISCLAIMER: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice or a quote of any kind.

12/19/2025

🎄 Happy Holidays from the Andes Mortgage team! 🎄

We want to thank every client, partner, and supporter who trusted us this year. Your messages, referrals, comments, and support mean more than you know.

As we head into the New Year, one thing is clear 👇
🏡 The housing market is shifting
📉 More opportunities are opening up
💪 Home buyers are finally getting some leverage

2026 is shaping up to be a year where buyers win — more negotiating power, more creative financing, and smarter strategies to get into a home without overpaying.

We’re grateful to be part of your journey and can’t wait to help more families become homeowners in the year ahead.

✨ Wishing you a Happy Holiday season and a strong, successful New Year! ✨

— The Andes Mortgage Team

11/17/2025

No credit score mortgages!? 🤯
As of November 16th, 2025 Fannie Mae will now remove the minimum credit score for conventional mortgages… sounds great, but don’t get too excited-

Yes, the headline sounds crazy — but lenders and PMI companies still won’t approve low-score borrowers without huge down payments.
Most people will still not be able to qualify, you need to get with a broker and have a real conversation.

Will this cause another housing crash, or is it really going to give millions of people the opportunity to own a home with crappy credit?
Drop your opinion — this one’s getting heated.



DISCLAIMER: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice or a quote of any kind.

10/13/2025

🚨 4 mistakes you’ll REGRET as a first-time homebuyer 😬
Every buyer makes them… but these can cost you thousands (or worse, stop you from selling your house later).
From skipping inspections 🧾 to doing renovations with no permits 🚫 — I see people do this every single week.
Which mistake do you think is the worst? 👇