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

Louay Yousif - Loan Officer

Home
United States
Corona, CA
Louay Yousif - Loan Officer

Our professionals are dedicated to help clients with their mortgage needs big or small. NMLSID #75243 I started my real estate career in 1987.

In 1998, I made a shift in my career focus and delved into the mortgage side of the real estate business. Starting as a processor, this experience proved to be invaluable as it allowed me to understand the intricate language of mortgage guidelines. My time as a processor equipped me with the ability to think creatively when it comes to finding the right mortgage product for families. I discovered

that loan products could be likened to building blocks, and with the right combination, a family's dream of homeownership could become a reality.

09/08/2026

Here's one mortgage conversation I like having BEFORE a buyer is staring at a closing date:

"When should I lock my rate?"

Mortgage rates can move daily.

A rate lock can protect your rate from market increases for a specific period while your loan moves toward closing.

Most locks are for a set period — often 30, 45, or 60 days.

But there's no universal "best" time to lock.

It depends on your closing date, the transaction, the market, and the terms available at the time.

After nearly 30 years in this business, I can tell you this:

The rate matters.

So does the strategy around it.

If you're getting ready to buy or refinance, call me and let's talk through the numbers before you make the decision.

📲 619-954-3446
🏠 Louay Yousif | PRMG
NMLS #1515287
LouayYousif.com

Equal Housing Lender | Licensed in all eligible states except NY

Subject to loan approval, program guidelines, and rate-lock terms.

09/05/2026

🇺🇸 Happy Labor Day, San Diego!

Wishing you a weekend full of good food, great people, and plenty of sunshine — which is never hard to find here.

To everyone who has worked hard to build something — in your career, your family, your community — today is for you.

Rest up. Recharge. Enjoy every minute.

📲 619-954-3446
🏠 Louay Yousif | PRMG | NMLS #1515287
Equal Housing Lender | Licensed in all eligible states except NY

09/04/2026

⚾🎷🎭 LABOR DAY WEEKEND IN SAN DIEGO

Here's how to spend it:

⚾ Padres vs Yankees: Party in the Park — Petco Park, Sep 4 @ 6:40 PM. Baseball, great energy, and one of the best ballparks in the country.

🎷 Pacific Soul Jazz Festival — UCSD Epstein Family Amphitheater, Sep 5-6 starting at 12:00 PM. San Diego's signature jazz celebration. Beautiful outdoor venue, perfect weather.

🎭 Phantom of the Opera — San Diego Civic Theatre, through the weekend. One of the greatest Broadway touring productions of all time, right here in San Diego.

San Diego Labor Day weekend is something special. Enjoy every bit of it. ☀️

Thinking about planting roots here? I've been helping people call San Diego home for nearly 30 years. Happy to talk anytime.

📲 619-954-3446
🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

09/03/2026

One of the biggest myths in home buying: "I need a perfect credit score."

Here's what the scores actually mean for your mortgage options:

740+ — Access to the best rates available
680-739 — Strong approval odds across most loan programs
620-679 — Options available, including conventional loans
580-619 — FHA loans may be an option

A lot of people assume they can't qualify because their score isn't where they want it. That's often not the case.

Where your credit stands shapes your options — it doesn't eliminate them. There's a difference.

If you're not sure where you stand, let's talk through it.

Subject to credit approval and qualification.

📲 619-954-3446
🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

09/02/2026

This is for anyone who has served — or knows someone who has.

Eligible VA loan buyers may qualify for a 2% lender credit toward closing costs, applied directly on closing day.

Here's what that looks like:
On a $500,000 loan — that's $10,000 at closing.
On a $600,000 loan — that's $12,000 at closing.

And that's on top of what the VA loan already offers:
✅ $0 down payment
✅ No private mortgage insurance
✅ Competitive interest rates

Veterans, active-duty service members, and eligible surviving spouses — you've earned these benefits. Let's make sure you're using them.

Subject to eligibility and VA loan approval. Terms apply.

📲 619-954-3446
🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

08/29/2026

🏠 Twenty-nine years ago, I made a commitment.

Not just to mortgages. Not just to real estate. To people.

To the first-time buyer who didn't think they could qualify. To the veteran who didn't know about their VA benefit. To the self-employed business owner who thought the process would be too complicated. To the family that had been renting for years and finally decided it was time.

Through recessions, rate spikes, housing booms, and market shifts. One thing has never changed.

The goal is the same it's always been: help you get home.

If you've been following along this month, thank you. If there's anything I can do to help you or someone you know take the next step, I'm always here.

One call. Let's talk. 📲 619-954-3446

🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

08/28/2026

🎉🎸🤠 THIS WEEKEND IN SAN DIEGO

Closing out August in style:

🎉 Brazilian Festival — Saturday Aug 29, Waterfront Park, 2–11 PM. A full celebration of Brazilian culture, music, food, and community right on the waterfront. One of the most vibrant events of the summer.

🎸 My Chemical Romance — Sunday Aug 30, Petco Park. One of the most iconic rock bands of a generation performing at one of San Diego's most beloved venues.

🤠 Ramona Rodeo — Aug 27–29, Fred Grand Arena. PRCA rodeo action featuring some of the best cowboys in the West, with authentic hometown hospitality.

August ends exactly the way it should. Full of life, culture, and community. Enjoy every bit of it. 🌞

If you've been thinking about making San Diego home, this is the city you'd be calling yours. I'd love to help make that happen. 📲 619-954-3446

🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

08/27/2026

🔑 What if the biggest barrier between you and homeownership wasn't as big as you thought?

Many qualified buyers in California are sitting on the sidelines, believing they don't have enough saved for a down payment. But there are programs designed specifically to help bridge that gap.

Here's what's available for eligible buyers:

🏡 CalHFA Programs — California Housing Finance Agency offers down payment assistance loans and grants for first-time buyers and others who meet income and property requirements.

💰 Local Grant Programs — San Diego County and various municipalities offer assistance for eligible buyers, sometimes covering part or all of the down payment.

🎖️ VA Loans — For eligible veterans and active-duty service members: $0 down, no PMI.

📋 FHA + Gift Funds — FHA loans allow gift funds from family members to cover the down payment, with no minimum borrower contribution required in most cases.

These programs have income limits, property requirements, and other guidelines. But many buyers who assume they don't qualify actually do.

Depending on eligibility and current program availability, down payment and closing-cost assistance options may be available.

Want to find out what you may be eligible for? Let's look at your options together. 📲 619-954-3446

🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

08/26/2026

📊 When choosing a mortgage, one of the biggest decisions you'll make isn't just about the rate. It's about the type.

Fixed Rate vs Adjustable Rate Mortgage (ARM).

🔒 Fixed Rate Mortgage:
- Your rate stays the same for the life of the loan
- Monthly principal and interest payment never changes
- Easier to budget long-term
- Ideal if you plan to stay in the home for many years

📈 Adjustable Rate Mortgage (ARM):
- Rate is fixed for an initial period (often 5, 7, or 10 years), then adjusts periodically
- Initial rates are often lower than fixed rates
- Can make sense if you plan to sell or refinance before the adjustment period
- Carries more uncertainty after the initial fixed period

Neither is universally better. The right choice depends on your timeline, risk tolerance, and financial goals.

Not sure which fits your situation? Let's talk it through. 📲 619-954-3446

🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

08/25/2026

🏠 Most first-time buyers know they need a down payment. But many don't realize there's often a hidden monthly cost that comes with putting down less than 20%.

It's called Private Mortgage Insurance (PMI).

What PMI is: A monthly fee added to your mortgage payment when your down payment is less than 20%. It protects the lender, not you.

What it typically costs: PMI generally runs between 0.5% and 1.5% of the loan amount annually. On a $500,000 loan, that's $208 to $625 per month on top of your regular payment.

How to avoid it:
✅ Put down 20% or more
✅ Ask about lender-paid PMI options
✅ Explore piggyback loan structures (80/10/10)
✅ Look into VA loans if you've served (no PMI required)

The good news: PMI isn't forever. Once you reach 20% equity, you can typically request removal.

Questions about PMI and your options? I'm happy to walk you through it. 📲 619-954-3446

🏠 Louay Yousif | PRMG
📋 NMLS #1515287
🌐 LouayYousif.com
Equal Housing Lender | Licensed in all eligible states except NY

Address

1265 Corona Pointe Court Suite 301
Corona, CA
92879

Opening Hours

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

Telephone

+16199543446

Website

https://www.prmg.net/loanofficer/louay-yousif/

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