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Loans by Irene

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United States
Campbell, CA
Loans by Irene

Strategic mortgage financing for homebuyers, homeowners, and investors since 2001. Licensed in CA, CO, ID & WA. DRE 01419531 | NMLS 325332

Clear guidance, personalized solutions, and a smooth loan process.

11/02/2026

Curious about a 2nd mortgage and if you should choose a Fixed Rate 2nd versus a Home Equity Line of Credit? Here's a brief overview comparing the two options.

10/30/2026

10/23/2026

Did you know that Prop 19 allows some qualifying homeowners to transfer their property tax basis to a new home purchase? Check out my latest blog post for more information.

https://loansbyirene.com/moving-to-a-new-home-you-may-be-able-to-take-your-property-tax-basis-with-you/

10/14/2026

The way you approach the mortgage process can shape how prepared and confident you feel when it’s time to buy.

📝 The Planner — You want the numbers figured out first. You review your budget, savings, credit, and borrowing options before you start seriously shopping.

💭 The Dreamer — You have a clear vision for the home you want and use your financing options to understand what fits comfortably within that vision.

🏃 The Go-Getter — You’re ready to act when the right home appears, so you get pre-approved, know your limits, and have your finances organized ahead of time.

There’s more to a mortgage strategy than getting approved. The goal is to understand what you can comfortably afford and make sure your financing supports the bigger home-buying plan.

Take a look at your approach, then make sure your mortgage strategy matches your goals.

10/06/2026

🏡 What is an escrow holdback?

Sometimes a home needs a repair or a final item completed, but it can’t happen before closing. An escrow holdback can allow the transaction to move forward while money is set aside in escrow to cover that future work.

It can be a helpful solution when timing gets in the way of getting to the closing table.

Have questions about how an escrow holdback might work for your situation? I’m always happy to help!

10/05/2026

Timing the market is never the only factor. Strategy and preparation matter just as much. Here’s what sellers should be thinking about right now:

📊 Market timing vs. opportunity: Waiting for lower rates may also mean more competition and shifting buyer behavior
👀 Buyer demand is still active: Well-priced homes continue to attract serious buyers, even in higher-rate environments
💰 Equity position matters: Many homeowners are sitting on usable equity that can help fund their next move
🏠 Pricing + presentation strategy: The right positioning can have more impact than timing alone

Reach out for expert guidance and a tailored selling strategy for your home and goals!

10/01/2026

NEW BLOG POST: You can use rental income from your "departing residence" with JUST a rental survey. This is huge for those that want to buy a home before selling, or converting their primary home to a rental property prior to moving into their new home.

Check out the details here:
https://loansbyirene.com/buying-a-new-home-and-renting-out-your-current-one-fannie-mae-just-made-qualifying-easier/

09/28/2026

A lower credit score doesn't automatically mean homeownership is off the table. 🏡

Mortgage requirements vary by lender and loan program, and there may be ways to strengthen an application even when credit isn't where you'd like it to be.

💰 Build your savings – A larger down payment can reduce the amount you need to borrow and may strengthen your overall financial profile, depending on the loan program.

📈 Work on your credit – Paying bills on time, reducing revolving debt, and avoiding unnecessary new credit can help improve your financial position over time.

🏦 Explore your loan options – Some programs may have more flexible credit requirements than others, including certain government-backed options.

🤝 Consider additional support – Depending on the lender and program, a qualified co-borrower may help strengthen an application.

The most important step is understanding where your finances stand and what options are actually available before assuming you can't qualify.

📩 Reach out today to discuss your situation and explore the mortgage options that may fit your goals.

09/04/2026

The right home loan should fit your financial goals, not just the price of the home. 🏡💰

Before choosing a mortgage, consider how different options could affect your monthly payment, upfront costs, flexibility, and long-term borrowing costs.

A few areas worth comparing:

💰 Down payment – Decide how much to put down while keeping enough savings for emergencies and other homeownership costs.
📊 Loan structure – Compare fixed and variable/adjustable options and understand how payments could change over time.
📅 Repayment term – A shorter term may reduce total interest, while a longer term can offer lower monthly payments.
💳 Fees and features – Look beyond the interest rate and review fees, penalties, refinancing options, and repayment flexibility.

The most suitable loan depends on your income, goals, risk tolerance, and local lending rules. Taking the time to compare the full cost can help you choose financing that works for you both now and down the road.

📩 Ready to compare your options? Connect with a qualified lending professional to find a loan structure that fits your goals.

Address

116 E. Campbell Avenue, # 5
Campbell, CA
95008

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://loansbyirene.com/

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