Raisa Grigoryan, Mortgage Loan Officer

10/10/2026

10/08/2026

Да, на сегодняшний день рыночные ставки действительно выросли.
Но для покупателя это не всегда плохо — и вот почему.

Когда ставки высокие, рынок часто начинает работать в пользу покупателя:
✅ можно торговаться по цене
✅ можно получить скидку от продавца
✅ можно договориться о seller credit и использовать его с выгодой для себя

И главный вопрос:
как справиться с высокой ставкой сейчас?

Есть несколько рабочих инструментов.
Один из самых эффективных — это buydown, то есть временное снижение ставки за счёт скидки от продавца.
Это позволяет сделать ежемесячный платёж более комфортным, особенно в первые годы.

А дальше, когда рынок успокоится и ставки станут ниже, всегда можно рассмотреть рефинансирование.

Поэтому высокая ставка сегодня — это не повод отказываться от покупки.
Важно не только смотреть на ставку, но и правильно выстроить всю сделку.

Если у вас есть вопросы — пишите мне в Direct.
Я сделаю индивидуальный расчёт именно под вашу ситуацию, чтобы вы увидели в цифрах, насколько это может быть выгодно в вашем случае.

#ипотекавсем #ипотекавсша #маями

10/03/2026

🏡 Waiting for 3% mortgage rates to return?

We all loved those low rates—but no one knows when, or whether, they’ll return.

Your homebuying decision deserves a bigger picture:
✅ A monthly payment you can comfortably afford
✅ The home’s price and your upfront costs
✅ Your savings and long-term plans

You may be able to refinance later if rates fall and you qualify, but make sure the payment works for you today.

📩 Wondering what you can afford? Message me, and let’s look at your options together.

Raisa Grigoryan | Mortgage Loan Officer
Just My Loans, LLC
NMLS #2001972 | Company NMLS #2569569

#ипотекасша

10/02/2026

🏡 What does the 0.90 promotion mean?

For a limited time, qualified borrowers with 740+ FICO may have access to promotional pricing of up to 90 basis points (0.90%), which can be used toward obtaining a lower interest rate.

Here’s a simple example:
Home price: $400,000
Down payment: 5% ($20,000)
Loan amount: $380,000
30-year Conventional Loan

If the available rate is 7.30%, estimated principal & interest would be approximately $2,605/month.

If promotional pricing allows the borrower to obtain 6.40%, estimated principal & interest would be approximately $2,377/month.

💰 That’s a difference of about $228/month — approximately $2,739/year.

The actual interest rate and benefit from the 0.90% pricing promotion depend on current market pricing, borrower qualifications, loan scenario, and program availability.

📩 DM me and I’ll compare both options for your specific situation.

07/23/2026

Thinking about buying a home or refinancing?
Visit my mortgage page to calculate your monthly payment, explore loan options, and contact me for personalized guidance

https://mortgagematchup.com/Profile/RaisaGrigoryan35853

06/04/2026

🚨 LIMITED-TIME OFFER – AVAILABLE THROUGH JUNE 30!

Thinking about buying a home? Now is a great time to take advantage of our FREE 1-0 Temporary Rate Buydown program and enjoy lower mortgage payments during your first year of homeownership!

📊 Example:
🏡 Loan Amount: $400,000
📉 Interest Rate: 6.897%

✅ With FREE 1-0 Buydown:
• Year 1 Payment: $2,371.78/month
• Years 2-30 Payment: $2,633.60/month

❌ Without Buydown:
• Years 1-30 Payment: $2,633.60/month

💰 First-Year Savings: $3,141.84

This program can help make homeownership more affordable by reducing your monthly payment during the first year, giving you extra room in your budget for moving expenses, furniture, home improvements, or building your savings.

⏰ This special offer is available through June 30 and applies to eligible loan programs.

📩 Send me a message today to see if you qualify and get a personalized payment estimate!

Raisa Grigoryan
Mortgage Loan Officer
Helping families achieve homeownership with confidence.
Licensed in TX, FL NMLS # 2001972

#ипотекасша FloridaMortgage BuydownProgram MortgageSavings

06/03/2026

Can’t wait!!!

And please do something about the HOA fees , I feel like it’s mafia. Many HOAs keep raising fees, provide little benefit to the community, and make housing less affordable. In some parts of Miami, HOA fees are over $1,000 per month, making it difficult for many families to qualify for a mortgage and achieve homeownership.

Thank you, Governor DeSantis!

05/23/2026

🏡✨ Congratulations to this amazing young family on purchasing their new home!

And yes — we CLOSED in just 10 days 🎉🔥

What makes this closing even more special — the entire process was completed VIRTUALLY !!

Fast, smooth, and convenient — exactly how home buying should feel ❤️

#ипотекавсша

05/12/2026

✨ SAME DAY APPROVAL ✨
Да, это возможно 👏🏡

Когда документы подготовлены правильно и работа идёт быстро — approval можно получить всего за 1 день 💚

Поздравляю мою клиентку с одобрением!
Очень люблю моменты, когда всё складывается идеально для клиента ✨

Если вы думаете о покупке дома — напишите мне 📩
Помогу подобрать программу именно под вашу ситуацию, даже если она кажется сложной.

📍Texas | Florida | North Carolina
🇺🇸 Russian-speaking Mortgage Broker

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