Joshua Bucio - Home Loans

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Joshua Bucio - Home Loans

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I help people with mortgage loan options when buying a house. I have access to lower rates and payments to help people save on a refinance. NMLS #286333

You can use your home equity to pay off debt, buy another property or for anything you would like.

22/10/2026

When the real estate market starts to change, there are always new opportunities.

16/10/2026

There are mortgage loan options for people who have little to no income. I see this a lot for people who are self-employed or divorce situations.

21/09/2026

When you own a home, get a degree from YouTube University.

It’s OK to hire a contractor for the big and scary projects, but YouTube will help you tremendously with small projects that you can do yourself.

18/09/2026

If you are selling a house, use the higher mortgage rates to your advantage.

11/08/2026

What exactly to say when your lender denies you for debt to income ratio.

Ask: What percentage is my debt to income ratio?

When they tell you this number, ask them was it need to be under in order to get the approval.

Then, ask them how much the percentage would change if you paid of certain debts, like an auto loan or credit card, etc.

Paying off some of these debts will help lower your debt to income ratio percentage in a dramatic way.

A lot of times this will get you to an approval faster than saving for a bigger down payment.

10/08/2026

Monthly Payment vs Down Payment when buying a home.

A good rule of thumb is every $10,000 changes the monthly payment about $65 a month.

The reason the monthly payment doesn’t change as much as you may think is because the mortgage is generally over a 30 year term. This will be different if you’re looking at 20 year and 15 year mortgage terms.

When you buy a home many times you want to renovate something in the home or need new furnishings. That $10,000 can go a long way.

Save this to remember this rule of thumb.

10/07/2026

In the current real estate market, you need to be aggressive with your offer on certain homes. Don't be afraid to offer 10k, 20k, or even 30k over the asking price. Every 10k only changes your payment about $65 a month.

06/07/2026

When you make a bi-weekly mortgage payment, you are making two half payments a month. There will be two months of the year where you make three half payments with a bi-weekly schedule. This equates to you making one extra full payment a year. Doing this will help you pay off your mortgage faster and save tons on interest.

24/06/2026

Share this with anyone you know buying a house this year!
Many people believe mortgage rates will come back down next year or at some point in the near future. Anyone buying a home will get the benefit of a no cost refinance at some point in the future.

23/06/2026

The 30 year mortgage was created to help keep the payment affordable.

It was never meant to ride it out all 30 years.

Address

Opening Hours

Monday	09:00 - 18:00
Tuesday	09:00 - 18:00
Wednesday	09:00 - 18:00
Thursday	09:00 - 18:00
Friday	09:00 - 18:00

Telephone

+14148104569

Website

https://provisor.com/team/joshua-bucio

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