Karina Rincon - Mortgage Loan Consultant at Mid Valley Financial

09/10/2025

✨ Re-introducing myself ✨
Hi friends, I’m Karina — Fresno born & raised in the East Coast, passionate about people, business, and building relationships that last. With over a decade of experience in mortgage lending, and property management, I’ve made it my mission to help clients and our community grow with confidence.

At Mid Valley, I’m here to support your goals — whether it’s residential, commercial, land, or ag lending, I’ve got you covered. 💼

When I’m not diving into deals, you’ll probably find me out on the golf course 🏌🏻‍♀️, at the boxing gym 🥊, or enjoying time with family and friends.

Here’s to new connections, opportunities, and the future ahead! 💫

12/29/2023

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12/28/2023

✨ I would like to raise awareness to those homeowners in question of home refinancing; I’ve come to the understanding that many don’t know the difference or the requirements to do a ‘cash out loan’. Per lender guidelines “All standard mortgages require a seasoned 12 mth term” you cannot cash out a property until 12 payments have been made. You can refinance your loan, but it would be a RATE AND TERM, paying off the loan and lowering the interest rate, max cash out would be $2,000; if you would like to refinance your loan before the 12 months of payments. Again, both Freddie Mac & Fannie Mae updated its eligibility policy for cash-out refinance transactions to require that any existing first mortgage being paid off through the transaction be at least 12 months old as measured from the note date of the existing loan to the note date of the new loan. See link from Fannie Mae. NMLS 1603008 [email protected] 559.256.3625 if you have additional Refinance concerns. 😊

12/19/2023

💫 Quick PSA!!

I offer construction loans and land loans, serving all of California. Just met with a local builder/ developer and he was referred to me from a local Bank. Here for all your loans needs. Offering all loan products!! 559.256.3625 [email protected]

💫 Just because your plan A doesn’t work for others .. doesn’t mean you should choose their plan B and not follow your dream or goals. Rates will go down, people are still buying, refinancing, investing and building! Call your girl!

11/27/2023

💐 NAR Chief Economist predicting lower rates Spring 2024!!

High mortgage rates and home prices, and limited inventory slowed home sales in 2023, but the 2024 outlook is brighter, Lawrence Yun said.

11/27/2023

11/27/2023

First-time buyers were responsible for 28% of sales in October; Individual investors purchased 15% of homes; All-cash sales accounted for 29% of transactions; Distressed sales represented 2% of sales; Properties typically remained on the market for 23 days.

11/27/2023

🏡 Fannie Mae reduced the minimum down payment to only 5% for two- to four-unit properties as of November 20. This is a gamechanger for prospective buyers who were shut out by the tight housing market. Now they have more flexibility to invest in a duplex, triplex or fourplex, and earn income as they pay off their mortgages. Let your borrowers know we will accept up to 95% LTV!

New policy
Effective Nov. 20, 2023, Fannie Mae allows 5% down payments on owner-occupied 2-, 3-, and 4-unit homes.

What this means for borrowers
With less upfront money required and future rental income used to qualify, your borrowers have increased purchasing power and a chance to subsidize their mortgage with passive income.
Msg me [email protected] or call 559.256.3625

11/16/2023

Thrilled to see the resilience in today's real estate market! 🏡✨ Amidst challenges, people are buying, selling, and building their dreams. As your go-to for real estate lending, I've got the products to make your homeownership goals a reality. Let's turn your dreams into keys! 🔑 559.256.3625 [email protected]

11/14/2023

👏🏼👏🏼

Mortgage rates have been back on the rise recently and that’s getting a lot of attention from the press.

10/20/2023

At Mid Valley, we understand the complexities of the real estate market and the challenges that clients often face when seeking loans for land acquisition, construction, and long-term financing. That's why we've streamlined our services to offer a one-stop solution that simplifies the process, saving time and reducing stress for both you and your clients.

Our offering includes:

1. Land Loans: We offer competitive financing options for land acquisition, making it easier for your clients to secure the perfect piece of property for their construction project.

2. Construction Loans: Our construction loans are tailored to meet the unique needs of each project, providing flexibility and financial support throughout the building phase.

3. Takeout Loans: Once construction is complete, clients can seamlessly transition to our takeout loans, ensuring a smooth and cost-effective transition from construction to long-term financing.

The benefits of this one-stop approach include:

- Simplified application and approval processes.
- A single point of contact for all financing needs.
- Competitive rates and terms.
- Expert guidance and support throughout the entire process.

If you have any questions or would like to learn more about our new land loans and construction takeout loans, please do not hesitate to reach out to our team. We are here to assist you and your clients every step of the way.

Thank you for your continued support, and we look forward to serving your clients with our enhanced real estate financing services. 😊

09/21/2023

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First-time buyers were responsible for 29% of sales in August; Individual investors purchased 16% of homes; All-cash sales accounted for 27% of transactions; Distressed sales represented 1% of sales; Properties typically remained on the market for 20 days.