Gloria Cepeda The Legendary Team at Rize Mortgage Business Dev Specialist

04/05/2025

Amazing marketing class by First International Title.

02/18/2025

📄 Mortgages for the Self-Employed

Being your own boss doesn’t mean homeownership is out of reach. With the right documents and a strong financial profile, you can secure your dream home.

Let’s talk strategy!

02/14/2025

11/21/2024

📈Inflation may affect many parts of your life, but real estate often works with inflation, not against it. As inflation rises, so does the value of your home—making real estate a strong hedge against inflation.

Tip: If you're a first-time homebuyer, now is a great time to invest in a home to take advantage of natural appreciation, especially in times of inflation. It’s a long-term wealth-building strategy! 🏠

11/18/2024

A 4-point inspection is a quick assessment of four key areas—Electrical, HVAC, Plumbing, and Roof—and is typically required for homeowners insurance, especially for older homes. It’s different from a full home inspection, which is more comprehensive and required when buying a home.

Tip: While a full home inspection can take hours, a 4-point inspection usually takes just 20-30 minutes. For older homes, you may need both types of inspections to secure insurance and ensure your home is in good condition.

11/12/2024

PMI is an insurance policy that protects the lender if you stop making payments on your loan. If you’re putting down less than 20% on a home, PMI is often required. The good news? Once you’ve built up enough equity in your home, you can request to remove PMI, reducing your monthly payments.

Tip: Consider saving for a larger down payment to avoid PMI and lower your monthly mortgage costs!

10/25/2024

Looking for your dream home? Don’t forget to get pre-approved before you start looking.

10/23/2024

Why You Should Talk to a Mortgage Lender Before House Hunting:

✅You’ll Learn About Various Types of Mortgages
✅You’ll Get a Head Start on Improving Your Finances and Know What Else to Budget For
✅You’ll Have Realistic Expectations When You Start Your Home Search

10/21/2024

If you’re putting less than 20% down on your home, mortgage default insurance might be required. It protects the lender in case of default.

Want to know more about how this works? Let’s chat!

10/17/2024

Buying a new home can be scary if you don’t know the first thing about home ownership. A lot of terms can be confusing, paperwork can get really overwhelming…. But if you “Deal With Someone You Can Trust”… your experience can be very pleasant and not bewitched!