The Lender Guy

08/24/2026

Date, the rate marry the home. When my clients ask me about interest rates, I point out that affordability is based on whether or not you can make the payment not the number tied to the interest rate. While you wait for rates to come down, the price of the home is going up that is lost equity position that you could be gaining not to mention the Tax savings based off of interest payments. Currently, I have access to down payment assistance that covers the down payment and 100% financing of the home price. It’s a great day to get preapproved DM me now and let’s start the conversation.

07/05/2026

Rates are not high. You do not need a down payment. If you can rent, you can own.

04/19/2026

Live in or around Camarillo with kids between 6-10 years old and looking for something fun (and FREE) to do?
Come on out? Let the kids run wild and go home tired!
Youth Football and Cheerleading Sunday Camp 3pm - 5pm (arrive early)

Calling all Bantam Boys (ages 8 thru 10) ... Are You Ready For Some Football? Join Now!
First Year Bantam Registration $250
Register Now CamStingers.com

04/17/2026

Mortgage rates are rising, but a temporary rate buydown can save you money. Learn how a 2/1 buydown works: your rate is 2% lower in year one, 1% lower in year two, and then returns to the normal rate. This isn't deferred interest; it's a smart way to manage your payments.

04/12/2026

First-time buyer? Homeownership does not have to feel confusing. The process is simpler when you start with the right conversation, a real plan, and the steps in the right order. You do not have to know everything today. You just need to start. DM HOME for first-time buyer info.

04/10/2026

First-Time Buyer? Don’t Wait for Lower Rates
Waiting for rates to drop could cost you more if home prices rise and competition heats up. The better move is buying when the payment fits your budget, not trying to time the market perfectly. If you’re a first-time buyer, start with the numbers you can control. DM HOME for info.

04/08/2026

Buying a home soon? Do not open new credit cards, finance furniture, buy a car, or move money around without talking to your lender first. One financial move can change your approval. Protect the keys before closing day. DM HOME for first-time buyer info.

04/07/2026

The most crucial part of getting pre-approved isn't the amount you're approved for, but what your monthly payment actually is. Define your comfort zone, like a $2,500 payment, and we'll show you what mortgage that equals.

04/07/2026

Renting means paying a set amount with no return. Mortgaging, however, turns that payment into ownership, building equity and offering tax benefits. The difference is building wealth for yourself versus the landlord.

04/06/2026

A lot of first-time buyers assume homeownership is out of reach because they think they need a massive down payment.
That is not always true.
Depending on your situation, there may be loan options that allow far less down, and sometimes even 0% down.
The real first step is finding out:
what payment feels safe, how much cash you want to keep, and what options are actually valid for you.
Want more info?
Comment HOME or send a message.