Allen Moniri - Essence Lending

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Allen Moniri - Essence Lending Company NMLS ID 2476488
Allen Moniri NMLS ID 992581

09/24/2026

Rates go up and down, but if you are comfortable with the monthly mortgage payments, you can buy now and refinance when the rates go down.

09/23/2026

🏡 HIGH RATES AREN’T THE WHOLE STORY
Mortgage rates may be higher right now, but that doesn’t mean you’re out of options.
💰 SELLER-PAID RATE BUYDOWN
• A seller may contribute money toward lowering your interest rate
• Can be structured as a permanent or temporary buydown
• A permanent buydown can lower your rate for the life of the loan
• A temporary buydown can lower your payment for the first 1–3 years
⚠️ IMPORTANT CATCH
• You still have to qualify based on the applicable full interest rate
• A buydown can lower your payment, but it doesn't necessarily mean you qualify for a larger loan
🔑 THE TAKEAWAY
Don’t just look at the interest rate. Look at the entire deal.
There may be strategies that can make buying a home more affordable than you think. DM for more info.

09/18/2026

“I forgot to tell you something…” 😳

Every mortgage broker’s favorite sentence. 😉😂

Because the next words could be:

“I opened a credit card.”
“I changed jobs.”
“I bought a car.”
“I moved some money.”

…and suddenly we’re having a VERY different conversation. 🫠

Tell your mortgage broker EVERYTHING.

The Fed raised its policy rate 0.25% at its September meeting, as expected. Most policy makers forecast another increase...
09/16/2026

The Fed raised its policy rate 0.25% at its September meeting, as expected. Most policy makers forecast another increase in 2026. The Fed doesn't control mortgage rates directly, and investors had already priced in the change. Geopolitical events are more likely to have an impact on mortgage rates at this time. If you want to discuss whether now is the right time for you to make a move, please reach out. Essence Lending is an Equal Housing Lender.

09/15/2026

GREAT WAY TO SAVE THOUSANDS BUYING A HOME 🏡💰
1️⃣ Negotiate $10K Off Price
• $400K → $390K
• Payment drops ~ $60–$65/month
• Saves about $23K in interest over 30 years
BUT… DO THIS INSTEAD ↓
2️⃣ Negotiate $10K Seller Credit
• Use it to buy down your rate
• Example: 6.99% → 6.375% (APR 7.156% → APR 6.54%)
• Drop your payment by approximately $155/month
• Save approximately $55K in interest over the life of the loan
Same $10K. Completely different outcome. Choosing seller credit will save you more

09/10/2026

🏡 HOW TO PAY OFF A 30-YEAR MORTGAGE IN ABOUT 15 YEARS
1️⃣ MAKE EXTRA PRINCIPAL PAYMENTS
• Make your regular monthly payment
• Every 3 months, make 1 extra payment
• Make sure it goes toward principal
2️⃣ EXAMPLE
• Mortgage: $350,000
• Principal & interest = $2,212/month
• Pay an extra $2,212 every 3 month
3️⃣ THE RESULT
• Mortgage paid off roughly 14 years early
• Save approximately $233K in interest
• Build equity much faster
KEY TIP - MAKE SURE THE EXTRA MONEY IS APPLIED TO PRINCIPAL, NOT TREATED AS AN EARLY FUTURE PAYMENT
Follow for more mortgage tips, strategies & homeownership.

09/08/2026

The impact of rent vs buy long term. , , ,

09/04/2026

Broker vs. Lender vs. Bank, what’s the difference? 🏡💰
When you’re getting a mortgage, where you get your loan can make a big difference.
A mortgage broker can shop multiple lenders and loan programs to help find an option that fits your specific financial situation, instead of limiting you to one set of products.
More options. More flexibility. One application. One credit pull🎯.
The goal isn’t just to get a mortgage.
It’s to find the right mortgage for YOU.
If you’re thinking about buying a home, let’s talk before you apply. , , ,

09/01/2026

Want to buy your next home BEFORE your current home sells?
What if you didn’t have to wait?
A bridge loan may allow you to use the equity in your current home to help purchase your next one, giving you the flexibility to make your move before your home sells.
Here’s why that can be powerful:
✅ Buy your next home before selling
✅ Access equity from your current home
✅ Avoid having your existing mortgage payment counted toward your DTI
✅ Make a stronger offer in a competitive market
✅ Avoid selling your current home under pressure just to make your next purchase work
Instead of saying:
“I need to sell my house first…”
You may be able to say:
“Let’s buy the house we want, then sell on our timeline.”
Of course, a bridge loan isn't right for everyone. Your equity, income, credit, property and overall financial situation all matter.
Thinking about buying before selling? Let's talk BEFORE you make a move.
📩 DM me to find out more. , , ,

08/27/2026

POV: Closing is next week & your buyer wants to change jobs

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6160 Warren Pkwy Ste 100
Frisco, TX
75034

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