Loans with Mirca

Loans with Mirca I've been helping buyers for over 10 years. Reach out to me for your next home purchase, refinance or investment.

Servicing all of California 📍
FHA | VA | USDA | Conventional Financing
NMLS 1507327

Hablo Español

Back-to-school season has a way of making you rethink how your home is set up.A dedicated spot to focus, spread out, and...
08/27/2026

Back-to-school season has a way of making you rethink how your home is set up.

A dedicated spot to focus, spread out, and get things done can make the whole school year feel a little more manageable for everyone in the house.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

If part of your income comes from overtime or bonuses, it may still count toward a mortgage.The key isn't just how much ...
08/25/2026

If part of your income comes from overtime or bonuses, it may still count toward a mortgage.

The key isn't just how much you earn. Lenders also look for consistency and documentation during the approval process.

Read the full breakdown at pmrloans.com.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

That feeling when you relax in a space that's all yours.No roommates, no landlord, no rules about what goes where. Just ...
08/20/2026

That feeling when you relax in a space that's all yours.

No roommates, no landlord, no rules about what goes where. Just your space, exactly the way you want it.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

A payment that stays the same makes planning ahead a little easier.One of the quieter benefits of a fixed-rate mortgage ...
08/18/2026

A payment that stays the same makes planning ahead a little easier.

One of the quieter benefits of a fixed-rate mortgage is knowing exactly what to expect each month.

No surprises, no adjustments. Just a consistent payment that makes it easier to plan for what's ahead.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

Basement or attic. If you could finish one out and make it your own, which would you choose?Drop your pick in the commen...
08/13/2026

Basement or attic. If you could finish one out and make it your own, which would you choose?

Drop your pick in the comments.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

Hold off on big purchases until after closing.It can be tempting to start buying furniture or making big financial moves...
08/11/2026

Hold off on big purchases until after closing.

It can be tempting to start buying furniture or making big financial moves once a home is under contract. But large purchases before closing can affect your debt-to-income ratio and potentially impact your loan.

Holding off until after the keys are in hand is the safer move.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

It's a common assumption that you have to sell before you can buy. In reality, the order of those steps depends on a num...
08/06/2026

It's a common assumption that you have to sell before you can buy. In reality, the order of those steps depends on a number of factors, including your financial situation, local market conditions, and timing goals.

There are options worth exploring before assuming one path is the only one available.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

Craft room or home office. If you had the extra space, which would you choose? Drop your pick in the comments.NMLS # 150...
08/04/2026

Craft room or home office. If you had the extra space, which would you choose? Drop your pick in the comments.

NMLS # 1507327

While a mortgage pre-approval does involve a credit inquiry, the impact on your credit score is typically minimal. Most ...
07/31/2026

While a mortgage pre-approval does involve a credit inquiry, the impact on your credit score is typically minimal. Most mortgage inquiries are treated as a single inquiry when they happen within a short window of time. Knowing how the process works can make getting started feel a little less intimidating.
https://myoc.io/bmUHxyyx3IG

NMLS # 1507327

A little extra room changes how you spend your time.A yard, a garage, or an extra bedroom can make everyday moments feel...
07/28/2026

A little extra room changes how you spend your time.

A yard, a garage, or an extra bedroom can make everyday moments feel different, from slow mornings with coffee to having family and friends over without feeling cramped.

NMLS # 1507327

Address

7643 N Ingram Avenue Suite 107
Fresno, CA
93720

Telephone

+15598247834

Website

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