Roger Holly-Rogerloans, Branch Manager NMLS #278653

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Cerritos, CA
Roger Holly-Rogerloans, Branch Manager NMLS #278653

Branch Manager NMLS #278653
Sun West Mortgage
Loan Origination
Community, Residential & Investment

Area Branch Sales Manager - NMLS #278653
* Loan Origination
* Business Development
* Program Marketing & Community Outreach

11/02/2026

Rogerloans ~ Daily Real Estate Media

The Home Insurance Move That Could Save You $440 a Year

When was the last time you shopped around for home insurance? Because that one move could save you hundreds of dollars a year.

With home insurance taking up a bigger chunk of monthly housing costs, that's an opportunity worth looking into.

And the numbers are pretty eye-opening.

According to Intercontinental Exchange, homeowners who switched insurance companies saved an average of $440 a year. Their premiums dropped 6.6%, while homeowners who stayed with their existing provider saw costs climb 10.4%.

That's a big difference just for shopping around.

And here's more good news: Home insurance costs are still rising, but the pace of those increases is finally slowing down.

So, what does this mean if you're buying a home?

Don't assume the first insurance quote you get is the best one. Comparing providers could help you keep your monthly payment more manageable.

And if you're open to new construction, there's another potential advantage. Newly built homes typically cost 10–15% less to insure than older ones, according to John Burns Research and Consulting.

Want help finding ways to make your next move more affordable? Send me a message. Let's talk.

Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/30/2026

Rogerloans ~ Daily Real Estate Media

Credit Scoring Is Changing: 3 Things Homebuyers Should Know

Think you need a 700 credit score to buy a home? You might be surprised by how wrong that number is.

And if you've been putting off buying because of your credit, this could change everything.

According to a recent Veterans United survey, 57% of prospective buyers think they need a credit score of at least 660 to qualify for a mortgage. And 34% believe they need 700 or higher.

But here's what many people don't realize.

The traditional benchmark for many conventional loans has been 620. And with recent changes to mortgage credit scoring, even that isn't a hard-and-fast requirement for every loan.

Plus, lenders are beginning to adopt newer credit scoring models that could help millions more Americans get evaluated for a mortgage.

So, the number you see on your credit monitoring app may not tell the whole story about your ability to buy a home.

Does that mean everyone can qualify? Of course not. But it does mean you shouldn't count yourself out before talking to a professional.

Curious where you actually stand? Send me a message, and let's connect you with a lender who can help you find out.

Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/29/2026

Rogerloans ~ Daily Real Estate Media

Don't Let the Fear of a Buyer Backing Out Scare You Away from Selling

What if you finally get an offer on your house... and then the buyer backs out?
It's every seller's nightmare. And with headlines about canceled contracts on the rise, it's a concern worth talking about.

But here's what those headlines aren't telling you: 85–90% of home sales still make it to closing.

And there's more good news. You can actually take steps to protect your sale before your house even hits the market.

According to a Redfin survey, 70% of agents say inspection or repair issues are a reason buyers back out. That's the biggest reason reported, by far.

So, what's one smart move you can make?

Consider getting a pre-listing inspection. It could help you spot potential problems early, decide what to fix, and avoid surprises that might send a buyer running.

And that's just one piece of the puzzle. The right preparation, pricing, and negotiation strategy can make a real difference.

Selling your house doesn't have to feel like a gamble. A little preparation can give you a much stronger start.

Thinking about selling? Send me a message, and let's talk about how to set your sale up for success.

Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/29/2026

🏡 Turn the home you love into the home you've always imagined.
With a Renovation Loan, you can finance eligible home improvements and renovations with a single loan designed to simplify the process. 🔨
Purchase or Refinance Options available
✨ Bring your vision to life with Sun West.
At Sun West Mortgage & Angel Ai ~ Nothing is Beyond Reach 👉🏾 ~ Just
AskAngelgel.Ai/Rogerloans ~ Rogerloans.com ~ Angelai.com/ae/rogerholly ~ Rogerh.swmcretail.com
(844) 976-2103 ~ (800) 364-6102

10/29/2026

There Are 4 Types of Housing Markets Right Now. Which 1 Are You In?
Four different housing markets are running at once: cash buyers, financed buyers, locked-in owners, and builders. Each one plays by its own rules, and the right move for one is exactly the wrong move for another.
Let's figure out which one you're actually in and build your next move from there.

Call today or visit us online
📲(844) 976-2103 / (800) 364-6102
💻Rogerloans.com / rogerh.swmcretail.com
Nothing Is Beyond Reachᵀᴹ 👉 AskAngel.Ai/Rogerloans

10/29/2026

🏡 Speed and service can make all the difference.
With fast approvals, quick condition reviews, and industry-leading turn times, Sun West helps keep your loan moving forward. 🚀
✨ Experience the Sun West difference.

10/29/2026

🏡 Put your rental property's equity to work.
Sun West's HELOC DSCR lets eligible investors access a revolving line of credit while qualifying based on rental income. 💼
✨ Flexible financing designed to help you pursue your next investment opportunity

10/29/2026

Need more flexibility when accessing your home equity? 🏡
The 1st Lien HELOC Full Documentation or Bank Statement Program offers eligible borrowers loan amounts up to $300,000 for primary residences, second homes, and investment properties. 🧾
📞 Contact me at (844) 976-2103 / (800) 364-6102 to learn more!
On a 1st lien HELOC: Full Doc or Bank Statement Program, 30-year variable rate purchase with loan amount $560,000 (at 70% LTV with 30% down payment and FICO 720), at an interest rate 9.21% with $0 discount points (Annual Percentage Rate: 9.21%), you will be required to make 360 equal monthly payments of $4,590.76 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher). The rates are effective as of 09/22/2026 04:20 p.m. PT and may be subject to change without notice.

10/29/2026

🏡 What if you could get a clearer picture of a home’s value?
AngelAi’s Property Estimate provides quick, address-based home value estimates to help you evaluate properties and make more informed decisions. 📊🤖
✨ Ask Angel® and GET PROPERTY ESTIMATE.
AngelAi - Just Ask @ AskAngel.Ai/Rogerloans ~
📞 Contact me at (844) 976-2103 / (800) 364-6102 to learn more!

10/29/2026

🏡 Building a home can involve a lot of moving parts.
A Single Close Construction Loan combines the lot purchase, construction financing, and permanent mortgage into one closing. 🔨🏠
📞 Contact me at (844) 976-2103 / (800) 364-6102 to learn more!
On an FHA 30-year fixed rate purchase with loan amount $392,755 (at 96.5% Loan-to-Value [LTV] with 3.5% down payment and FICO 720), at an interest rate 8.5% with $11,056 discount points (Annual Percentage Rate: 9.698%), you will be required to make 360 equal monthly payments of $3,019.95 (which includes principal and interest only, so your actual payment, including taxes, insurance, and other property charges, will be higher). The rates are effective as of 07/09/2026 08:53 a.m. PT and may be subject to change without notice.

Address

18303 Gridley Road
Cerritos, CA
90703

Website

http://Rogerloans.com/

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