Loans By Carl - Mortgage Loan Officer

07/07/2026

Are you tired of watching your hard-earned money go toward rent every month? 📉

It’s easy to feel stuck, but homeownership is about building your own wealth, not your landlord's. When you pay a mortgage, you're paying yourself back in the form of equity.

Ready to see if you qualify to buy your first home? Let’s run the numbers and see what your monthly payment could look like compared to your current rent.

07/06/2026

Are you tired of watching your hard-earned money go toward rent every month? 📉

It’s easy to feel stuck, but homeownership is about building your own wealth, not your landlord's. When you pay a mortgage, you're paying yourself back in the form of equity.

Ready to see if you qualify to buy your first home? Let’s run the numbers and see what your monthly payment could look like compared to your current rent.

Visit loansbycarl.com to use our free mortgage calculator, or email us at [email protected] to get started. Call us at (310) 877-3612 for a quick pre-approval check.



Loans by Carl

07/04/2026

Happy 4th of July from the team at Consumer Home Loans! 🇺🇸🎆
Today is all about celebrating freedom, family, and the spaces we love to call home. True freedom is having a place of your own to build a future, make memories, and plant roots.
Whether you are hosting a backyard block party, watching the local fireworks, or just enjoying a quiet day on the patio, we hope your day is fantastic.
Let's do a quick holiday poll! What is your absolute favorite part of the 4th of July?
1️⃣ The neighborhood fireworks show
2️⃣ Grilling up burgers and hot dogs
3️⃣ Having a relaxing day completely off at home
Drop your vote (1, 2, or 3) in the comments below! 👇
Enjoy the holiday! If you have real estate goals you want to tackle this weekend, feel free to reach out to us at [email protected].

Consumer Home Loans | NMLS # 1954043

07/03/2026

Falling in love with a home before you know your financing options is the fastest way to get heartbroken in today’s real estate market. 💔

Getting pre-approved is always Step #1. Here is how it completely changes your home buying game:
• Clear Boundaries: You'll know your exact price range, saving you time on homes out of reach.
• Seller Leverage: A pre-approval letter tells sellers you have the official financial backing to back up your offer.
• Smoother Closings: We handle the heavy financial lifting upfront so you can move fast when you find "the one."

Before you spend your weekend scrolling through real estate apps, let's get your pre-approval locked in.

Ready to start? Visit consumerhl.com to fill out our quick application, or call (818) 322-4334 to chat with a specialist.



Consumer Home Loans | NMLS # 1954043

04/10/2024

When mortgage rates spiked up over the last few years, some homeowners put their plans to move on pause. Maybe you did too because you didn’t want to sell and take on a higher mortgage rate for your next home. But is that still the right strategy for you?

In today’s market, data shows more homeowners are getting used to where rates are and thinking it may be time to move.

What Would Motivate You To Move?

Now that you know why other people would move, take a minute to think about what would make a move worth it for you. Is it time to take a chance and go for your dream job, even though it’s not local? Are you looking for a neighborhood that has more to offer and a close-knit sense of community? Maybe you just need more space, you’re looking for your next great adventure, or you want a house that opens...

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

When mortgage rates spiked up over the last few years, some homeowners put their plans to move on pause.

04/10/2024

You may have heard headlines in the news lately about agents in the real estate industry and discussions about their commissions. And if you’re following along, it can be pretty confusing. But here’s the thing you really need to know – expert advice from a trusted real estate agent is priceless, now more than ever. And here’s why.

A real estate agent does a lot more than you may realize.

1. Deliver Industry Experience

The right agent – the professional – will coach you through everything from start to finish.

2. Provide Expert Local Knowledge

In a world that’s powered by data, a great agent can clarify what it all means, separate fact from fiction, and help you understand how current market trends apply to your unique search.

3. Explain Pricing and Market Value

Agents help you understand the latest...

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

You may have heard headlines in the news lately about agents in the real estate industry and discussions about their commissions.

04/08/2024

If you have student loans and want to buy a home, you might have questions about how your debt affects your plans. Do you have to wait until you’ve paid off those loans before you can buy your first home? Or is it possible you could still qualify for a home loan even with that debt? Here’s a look at the latest information so you have the answers you need.

A Bankrate article explains: “Roughly 60 percent of U.S. adults who have held student loan debt have put off making important financial decisions due to that debt . . . For Gen Z and millennial borrowers alone, that number rises to 70 percent.”

This includes one of the biggest financial decisions you’ll ever make, buying a home. But you should know, even with student loans, waiting to buy a home may not be necessary. While everyone’s situation is...

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

If you have student loans and want to buy a home, you might have questions about how your debt affects your plans.

04/06/2024

Hiring an agent when buying a home helps you understand the buying process and the local market. They’ll also go over contracts and fine print with you, so you understand what you're agreeing to. Plus, they're good at negotiating, making sure you get the best deal. Expert advice from a trusted real estate professional is priceless. Let’s connect today.

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

Hiring an agent when buying a home helps you understand the buying process and the local market.

04/05/2024

Have you heard the term “Silver Tsunami” getting tossed around recently? If so, here’s what you really need to know. That phrase refers to the idea that a lot of baby boomers are going to move or downsize all at once. And the fear is that a sudden influx of homes for sale would have a big impact on housing. That’s because it would create a whole lot more competition for smaller homes and would throw off the balance of supply and demand, which ultimately would impact home prices.

But here’s the thing. There are a couple of faults in that logic. Let’s break them down and put your mind at ease.

Not All Baby Boomers Plan To Move

For starters, plenty of baby boomers don’t plan on moving at all. A study from the AARP says more than half of adults aged 65 and older want to stay in their homes and not move as...

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

Have you heard the term “Silver Tsunami” getting tossed around recently? If so, here’s what you really need to know.

04/03/2024

Buying a home this spring? If you’re having a hard time finding a home you love, and mortgage rates are putting pressure on your budget, it may be time to look at newly built homes. Here’s why.

New Home Construction Is an Inventory Bright Spot

When looking for a home, you can choose between existing homes (those that are already built and previously owned) and newly constructed ones. While the number of existing homes for sale has increased this year, there are still fewer available than there were in more typical years in the housing market, like back in 2018 or 2019.

So, if you’re looking to expand your pool of options even more, turning to newly built homes can help. And the good news is, there are more newly built homes to pick from right now.

Builders Are Offering Incentives To Help with...

Carl Brackens
Sr. Mortgage Lender
10315 Woodley Ave Ste 119, Granada Hills, CA 91344
NMLS # 485546
(310)877-3612
[email protected]
LoansByCarl.com

Buying a home this spring?