Alex The Loan Guy

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Downey, CA
Alex The Loan Guy

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Alex The Loan Guy, Mortgage brokers, 8137 3rd Street Suite 200, Downey, CA.

10/28/2026

Before you tap your equity: a 5-step payoff checklist 👇
Know your numbers. Stop the bleed. Compare HELOC vs. home equity loan vs. cash-out refi. Count total cost, not just the payment. Lock the plan before you sign. The slides walk through each step.
💬 Comment "HOME" and let's start the conversation
📩 DM me "EQUITY" for a personalized equity review
📞 Or call me at (714) 234-4490
Alex The Loan Guy | 21st Century Lending
NMLS #265396 | [email protected]
🏠 Equal Housing Opportunity

10/27/2026

The 2-1 buydown, explained with real math 👇
A seller-funded buydown can lower your payment by hundreds a month in years 1–2 — without a price cut. On a $600k loan at a 7% note rate (example only), year 1 at 5% is about $3,221/mo vs about $3,992/mo at the full rate. The catch: budget for the full payment from year 3.
💬 Comment "HOME" and let's start the conversation
📩 DM me "BUYER" for a personalized mortgage game plan
📞 Or call me at (714) 234-4490
Alex The Loan Guy | 21st Century Lending
NMLS #265396 | [email protected]
🏠 Equal Housing Opportunity

10/26/2026

Sitting on equity while your credit cards charge 24%? 👇
In the example on slide 3, moving $30k of card debt to a home equity loan cut the payment by about $248/mo and the interest by roughly $14,850 over 5 years. Examples aren't promises — rates vary and your home secures the loan — but the math is worth running.
💬 Comment "HOME" and let's start the conversation
📩 DM me "EQUITY" for a personalized equity review
📞 Or call me at (714) 234-4490
Alex The Loan Guy | 21st Century Lending
NMLS #265396 | [email protected]
🏠 Equal Housing Opportunity

10/26/2026

Mortgage rates today, in plain English 👇
The 30-year average dipped to 7.36% — still high, but moving the right way. VA (7.16%) and FHA (7.19%) are running below the conventional average, and the 15-year is at 6.77%. On a $500,000 loan at 7.36%, principal & interest is about $3,448/mo (example only).
💬 Comment "HOME" and let's start the conversation
📩 DM me "BUYER" for a personalized mortgage game plan
📞 Or call me at (714) 234-4490
Alex The Loan Guy | 21st Century Lending
NMLS #265396 | [email protected]
🏠 Equal Housing Opportunity

10/24/2026

Rates, credit scoring, and appraisals are all shifting. Here's what it means for you 👇
Rates have eased slightly, and even a small change can affect your payment and buying power. FHA is preparing alternative credit scoring for 2027. Appraisal reporting is being modernized too.
So the real question is: are you closer to homeownership than you think? Down payment assistance, seller-paid closing costs, and temporary rate buydowns could open more doors than you realize.
💬 Comment "HOME" and let's start the conversation
📩 DM me "BUYER" for a personalized mortgage game plan
🔁 Know someone waiting to buy? Send this to them.
Alex The Loan Guy | 21st Century Lending
NMLS #265396 | (714) 234-4490
🏠 Equal Housing Opportunity
FHALoan DownPaymentAssistance RateBuydown HomeownershipGoals DowneyCA SoCalRealEstate LoanOfficer AlexTheLoanGuy

09/29/2026

09/11/2026

09/04/2026

I'm Just saying!

08/29/2026

Did you even Come to AG if you didn't stop in!

Address

8137 3rd Street Suite 200
Downey, CA
90241

Telephone

+1 626-487-9246

Website

http://www.BloomHomeLending.com/

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