Edwin Baptista-Mortgage Consultant Nmls 678489

Edwin Baptista-Mortgage Consultant Nmls 678489 Loan types: Purchase, Refinance, Consolidating, Remodeling, Creative financing, Investment, 2nd homes. Tailoring loans for your specific needs.

08/05/2024

Is your mortgage feeling a bit heavy? Try lightening the load by refinancing. You'd be surprised at how much you might be able to save each month!

03/15/2023

Holy cannoli! The 10yr treasury yield takes a nice dip and good for mortgage rates. Here is a quick explanation of what happened these last few days.

Your time is now to get pre-approved. Let's see if you are ready and let me show you what it takes.

Edwin Baptista
Loan Advisor
NMLS 678489
FL-NMLS - LO80740
Your lender in CA and FL

Show me the keys! How's does getting a Clear to Close in 7 days on a purchase sound? I say pretty amazing! Helping my cl...
02/23/2023

Show me the keys! How's does getting a Clear to Close in 7 days on a purchase sound? I say pretty amazing! Helping my clients and realtors primer the pre-approval process and guiding them through from beginning to the end is what I do. Everyones loan is different and everyone will have their own custom tailored loan. The properties are out there and you better be prepared.

Who you gonna call? Edwin Baptista that's who!

Who's next?

Edwin Baptista
NMLS 678489
FL-Lic

02/19/2023

Hey everyone! Spring is right around the corner and this means it's going to be home shopping season soon! Make sure you are prepaped and avoid these 6 to 7 rookie first time homeuyer mistakes. Your pre-approval is counting on it.

Here are those mistakes and how to avoid them.

Edwin Baptista
NMLS 678489
FL Lic # LO80740

Things to know as a first time home buyer. Here are some real estate and financing terms that you will hear throughout ...
01/16/2023

Things to know as a first time home buyer. Here are some real estate and financing terms that you will hear throughout your purchase process. This is what I do, which is to help you navigate through the purchase process and make it as smooth as possible.

Contact me for any questions or your loan scenario.

Have a great day out there!

Edwin Baptista
Loan Advisor
NMLS 678489
FL-Lic # LO80740
Lending in CA and FL

Edwin Baptista here with another mortgage minute coffee break.How about this 10yr treasury bond market rally downward in...
12/13/2022

Edwin Baptista here with another mortgage minute coffee break.

How about this 10yr treasury bond market rally downward in these last 3 weeks. Consumer price index reports have helped with this trend and has brought interest rates back down from the 7's to about the 5's. What does this mean in what you can afford with the right rate. Well, here is an example flyer with a breakdown of mothly payment affordability and where you may qualify.

Have questions? Contact me
Edwin Baptista
NMLS 678489
FL-Lic # LO80740
Lending in CA and FL

Here are some helpful tips for first time home buyers. Prepareness is key and avoiding these mistakes will make the buyi...
12/08/2022

Here are some helpful tips for first time home buyers. Prepareness is key and avoiding these mistakes will make the buying process easier. The deals are out there for you, are you preppared?

Edwin Baptista
Lending in CA and FL
NMLS 678489
FL-Lic # LO80740

Higher Conforming 2023 limits are here! This could mean more savings and a lower rates for clients. I am here to help th...
12/02/2022

Higher Conforming 2023 limits are here! This could mean more savings and a lower rates for clients. I am here to help those in need of getting pre-approved.

Edwin Baptista
NMLS 678489
FL-NMLS - LO80740
Co.NMLS 1734144

11/22/2022

Is now the right time to buy? Yes, with the right program and game plan. Our programs, such as the 3-2-1 or 2-1 buydown allow our buyers to get their qualifying rate 3 percent lower on the first year, 2 percent lower on the second year and 1 percent lower on the 3rd year. This means our clients are not sitting on the sidelines and are taking advantage of our great home buying programs. When rates ease back down in the next 12-36 months, clients will be able to refinance into a lower rate.
Check out my video comparing buying in 2021 and buying in 2022 with some pros and cons.

Contact me for details.

Have a great day out there!

Edwin Baptista
Lending in CA and FL
NMLS 678489
FL-Lic # LO80740

You know a lot of people ask me when is it a good time to buy Edwin and I tell them when you are ready and have all your...
11/02/2022

You know a lot of people ask me when is it a good time to buy Edwin and I tell them when you are ready and have all your ducks in a row. Would you rather pay 6%-7% on a mortgage or 100% of rent to your landlord? When owning a home, you are paying yourself back. Trying to predict the market is always challenging and unpredictable. So, make a move when you are ready and take advantage of those opportunities out there. There are programs that can get you started two and one percent lower on your mortgage rate from your current qualifying rate.

Mortgage thought of the day, brought to you by Edwin Baptista.

Have a great day out there everyone!

NMLS 678489

Here are some average down payments for those that have purchased homes. The averages might surprise you and navigating ...
10/21/2022

Here are some average down payments for those that have purchased homes. The averages might surprise you and navigating in this market you will need some firepower. This is where our programs help those with a down payment and programs that offer rate buydowns to help start with a lower payment and rate.
Contact me for details.

Happy Friday!

Mortgage minute brought to you by Edwin Baptista

NMLS678489

How would you like your buyer's to pay two percent lower from their qualifying rate in their first year and one percent ...
10/10/2022

How would you like your buyer's to pay two percent lower from their qualifying rate in their first year and one percent lower in the second year.

Contact me for details:
Edwin Baptista
CA-NMLS 6478489
FL-LIC LO80740
[email protected]
www.coastca.com

Address

2190 Meridian Park Boulevard Suite E
Concord, CA
94520

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9:30am - 5pm
Sunday 8am - 5pm

Telephone

+15103813820

Website

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