Sam Hagen - Franklin Loan Center

09/26/2025

When Your Tax Strategy Gets in the Way of Your Dream Home

09/19/2025

Myth: You need 20% down to buy a home.
Fact: Most of my clients buy with far less — sometimes as little as 3–5%!

I talk to buyers every week who delay homeownership because they think they need to save tens of thousands for a down payment. The truth? Most people don’t wait that long — they use smart financing options to buy sooner and start building wealth through real estate.

Watch my new video where I explain how you can buy a home without 20% down, what loan programs are available, and what happens next if you’re ready to explore your options.

09/12/2025

How would you Feel If You Could buy a Home This Year?
Ready to stop renting? Most people don't realize how close they are to homeownership. Lets find out how you'd feel if this was the year you stopped renting

03/21/2025

Crypto and Buying a Home

03/13/2025

Why Not Use Your Tax Refund For your Home Purchase?

02/26/2025

The High Cost of Waiting: Delaying Homeownership Hurts your Financial Future

02/12/2025

💡 Did you know your Restricted Stock Units (RSUs) could help you qualify for a home loan? If you work in tech or healthcare, your RSUs might be a game-changer when it comes to buying or refinancing your home. Let's break it down—DM me if you have RSUs and want to explore your options!

02/05/2025

📉 "Thinking about waiting for interest rates to drop? Here's what you NEED to know before making that decision! 🏡🔥"

🏡 "Waiting could mean higher prices & more competition! Learn why buying now might be the smarter move. 💸📈"

🚀 "5 MILLION buyers enter the market when rates drop 1%! Should you really wait to buy? Watch now!"

01/29/2025

💡 Thinking of buying a home in Claremont or the San Gabriel Valley? Here’s what you NEED to know about affordability!
🏡 Top 5 Factors That Affect Your Home Buying Power:
✅ Your income & debt-to-income ratio
✅ Why 20% down isn’t necessary (hello, 3% & 0% options!)
✅ How interest rates can make or break affordability
✅ The local market & why waiting might cost you
📲 Watch the full video here: [Insert Video Link]
📩 DM us for expert real estate guidance!

05/17/2024

05/08/2024

• What type of solvent borrowers are typically considered one of the most difficult to qualify for a home loan? If you guessed self-employed borrowers, you're right. Because tax deductions may result in a bottom line that shows low income on paper, self-employed individuals may need extra time to find a lender.

05/06/2024

Did you know that lenders price home loans based on the index to which the loan will be tied? There are actually several different indexes used by lenders, including the one-year Treasure Constant Maturity, the London Interbank Offered Rate, and the 11th District Cost of funds Index.