David Yanez, NMLS #219859

David Yanez, NMLS #219859 David Yanez, Branch Manager, NMLS # 219859

08/08/2026

Bonuses and commissions can increase your income but that doesn’t always mean a lender can use all of it to qualify you.

Variable income usually needs to show an established and documented history. Lenders may review its consistency, how long you’ve received it, and whether it’s likely to continue.

Before deciding how much home you can afford, have your paystubs, W-2s, and income history reviewed properly.

Earn bonuses or commissions? Message Team Alegre before starting your home search.

08/05/2026

Your offer was accepted but the appraisal came back lower than the purchase price. Now what? 🏡

A low appraisal doesn’t automatically mean the deal is over. Depending on your contract and loan, you may be able to renegotiate the price, review the report for errors, provide stronger comparable sales, restructure the financing, or cover part of the difference.

The key is understanding your options before making a decision.

Save this video, and contact Team Alegre if you need help navigating the next step.

08/02/2026

You don’t need a massive 20% down payment to grow your real estate portfolio. By converting your current home into a rental property and purchasing your next home as your primary residence, you can expand your investments with just 5% down. Double your portfolio without draining your cash.
👉 Execute the ultimate real estate hack today. 📞 +1 773 206 4576

07/31/2026

Average people use debt to buy liabilities that lose value instantly. Wealthy people use good debt like a strategic mortgage to acquire cash-flowing assets that pay for themselves. Stop borrowing to look rich; start borrowing to buy your freedom. 👉 Let’s flip your financial script. 📞 +1 773 206 4576

07/30/2026

Leaving all your home equity sitting idle isn't safe—it's expensive. Inflation is eroding your wealth every single day while your cash remains locked in your walls. The smart play? Pull that equity out tax-free and invest it into a new property that actually generates monthly cash flow. 👉 Wake up your dead money today. 📞 +1 773 206 4576

07/28/2026

Thinking you need 20% down to buy a house is a myth that keeps you stuck renting. While you spend years trying to save $50,000 or more, inflation and home prices move further out of reach. You can buy a home today with as little as 3% to 3.5% down—and there are down payment assistance programs available to help.

👉 Stop waiting on the sidelines. Let’s check your down payment options today. 📞 +1 773 206 4576

07/26/2026

Writing off business expenses saves you money on taxes, but it can be a major trap when applying for a traditional mortgage. Traditional banks look at your net income and reject your application. At Team Alegre, we offer Bank Statement Loans that qualify you based on your actual monthly business deposits—no tax returns required.

👉 Self-employed? Let’s review your bank statements and get you approved. 📞 +1 773 206 4576

07/25/2026

Stop paying rent and start letting tenants cover your mortgage. You don’t need a commercial loan or a huge 20% down payment to own a 2, 3, or 4-unit property. With a standard residential FHA loan, you can buy a multi-family home with just 3.5% down, live in one unit, and rent out the rest. Cut your living expenses and build real estate wealth from day one.

👉 Ready to live for free? Let’s structure your house hack. 📞 +1 773 206 4576

07/24/2026

Did you know family members can legally give you money to help cover your down payment? We call these "Gift Funds," and they are a game-changer. But be careful: taking cash or making an untracked transfer will cause the bank to reject your loan. Lenders require a strict paper trail and a signed gift letter.

👉 Don’t guess with your closing money. Learn how to document gift funds correctly. 📞 +1 773 206 4576

07/23/2026

Nothing ruins the excitement of buying a home faster than a last-minute financial shock. Three days before closing, many buyers get hit with unexpected fees for taxes, insurance, and lender charges. We believe in 100% transparency from day one so you know your exact numbers with zero surprises at the finish line.

👉 Get a fully transparent mortgage process. Contact Team Alegre today. 📞 +1 773 206 4576

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3812 W. 26th Street
Chicago, IL
60623

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+17732064576

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