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David Henriquez Mortgage Loan Originator

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Hesperia, CA
David Henriquez Mortgage Loan Originator

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David E Henriquez
Mortgage Loan Originator
NMLS 296389 at Paramount Residential Mortgage Group, Inc

Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. PRMG Licenses and other state-specific disclosures - www.prmg.net/licenses/Equal Housing Opportunity NMLS Consumer site: www.nmlsconsumeraccess.org/.

10/29/2026

Your parents may have a very different mortgage story than the one you're seeing today.

Different rates. Different home prices. Different down payments. Different buying conditions.

So if you've ever heard, “We bought our house for $___!” and thought, “Well… that doesn't help me today 😂” — you're not wrong.

The market changes. The numbers change. And your strategy should be based on today's market and your goals, not your parents' experience.

Save this one for the next time someone says, “Back in our day…”

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10/27/2026

We’ve watched buyers wait YEARS to save 20% down. 👀 Here’s what we wish more people knew sooner.

The “20% rule" isn’t really a rule. It’s outdated advice from a mortgage landscape that looks very different today.

• “I need 20% down to buy”
• “Anything less means I can’t afford it”
• “I have to wait until I’ve saved $80,000”

That’s not how it works anymore... Many conventional loan programs allow as little as 3% down for qualified buyers. FHA can go as low as 3.5%, and VA and USDA loans can offer 0% down options for those who qualify.

Here’s the math most people don’t run:

On a $400,000 home, 20% down is $80,000 out of pocket.
At 3% down, that’s $12,000.

That’s nearly $68,000 that could stay in your pocket for savings, repairs, moving costs, or simply having a financial cushion.

But here’s the piece that often gets overlooked:
Putting every dollar you have into a down payment can leave you feeling stretched on day one, without much room for unexpected expenses or life changes.

The buyers building long-term stability aren’t always the ones who put 20% down. They’re the ones who kept some flexibility and reserves for what comes next.

HIT FOLLOW for simple, real-world homebuying education

Loan program availability and qualification requirements vary. Contact a licensed mortgage professional to understand what options may be available for your specific situation.

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10/22/2026

Most parents want to leave something behind for their children. But what if one of the greatest gifts isn't how much you leave... It's when you give it.

Think about it. When do your children need financial help the most?

When they're buying their first home?
Starting a family?
Building their careers?
Or decades later?

Helping the next generation become homeowners earlier in life may create opportunities that continue growing for years through equity, appreciation, and long-term financial stability.

Every family's situation is different, and gifting strategies should always be discussed with qualified financial and tax professionals.

But one question is worth asking:
Could helping sooner have a bigger impact than waiting?

Save this for your next family conversation.

Share it with someone who believes in building generational wealth.

Follow my page for practical homeownership and financial education.

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10/20/2026

Your interest rate is locked. 🔒
Your loan terms didn’t change.

So why did your monthly housing payment go up?
This is something a lot of homeowners experience, especially after an annual escrow review, and it often causes confusion.

Here’s the simple breakdown:
Your monthly payment isn’t just one number, it’s made up of four parts: principal, interest, property taxes, and homeowners insurance (often called PITI).

On a fixed-rate loan, your principal and interest stay the same over time. But property taxes and insurance are different. They can change based on things like county reassessments, insurance market updates, and coverage adjustments.

When those costs increase, your escrow account adjusts to make sure there’s enough set aside to cover them. That’s what can cause a change in your monthly payment.

A few helpful things to know:
• Property taxes may change over time
• Home insurance rates can be updated annually
• Escrow accounts are reviewed regularly to stay balanced

If you ever receive an escrow analysis statement, it’s simply showing how those costs have changed and how your monthly payment is adjusted to match.

SAVE this for the next escrow review
SHARE this with someone who needs to know
FOLLOW for simple homeowner education and real estate tips

Loan program availability and qualification requirements vary. Contact a licensed mortgage professional to understand what options may be available for your specific situation.

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10/15/2026

Did you know the seller could cover thousands of dollars of your closing costs?

Many buyers assume they have to pay every single fee out of pocket.

Depending on your financing, a seller can contribute 3 percent, 6 percent, or even more toward your closing costs. That means keeping thousands of dollars in your bank account when you get the keys.

The key is knowing the program limits before you make an offer.

Send me a message today, and let us structure the best financing plan for your next home. 🏡

https://myoc.io/dhenriquez

10/15/2026

If you bought a home in 2020 or 2021, you've probably had the same thought many homeowners have today:

"We'd love to move... but we don't want to give up our rate."
And honestly, that's understandable. Many homeowners are sitting on a combination that's hard to walk away from:

✔ A historically low interest rate
✔ Years of home appreciation
✔ Growing equity
✔ A payment they're comfortable with

The challenge is that life keeps moving. Families grow. Priorities change. Job opportunities arise. Sometimes the home that was perfect in 2020 isn't the right fit anymore. That's why we're seeing some homeowners explore a different path.

Instead of selling their current home, they're looking at whether keeping it as a rental property could make sense while using available equity to help purchase their next home.

The goal isn't just moving. The goal is potentially turning a home you've already owned for years into a long-term asset while finding a property that better fits your current needs.

Of course, every situation is different. Rental income, available equity, financing options, qualification requirements, market conditions, and long-term goals all matter. But if you've been feeling stuck because of your interest rate, it may be worth exploring whether there are options beyond simply selling.

Sometimes the next move isn't giving up what you've built. It's building on it.

SAVE this for future planning.
SHARE this with a homeowner who's been talking about moving.
FOLLOW for practical homeownership, real estate, and wealth-building strategies.

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10/13/2026

If you're thinking about buying a home, you've probably heard the phrase "Get pre-approved."

But what does that actually mean?

A pre-approval is designed to give you a better understanding of what you may qualify for based on your financial information. It's a helpful way to begin your home buying journey with more clarity and confidence.

Just remember: your pre-approval amount isn't necessarily your budget.

The right home is one that fits your financial goals, your monthly expenses, and the lifestyle you want to maintain.

Every home buying journey is different, but understanding the basics can help you make informed decisions along the way.

Save this lesson for future reference.
Share it with someone who's planning to buy a home.

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10/08/2026

Fixed Rate vs. Adjustable Rate 🏠
Same home. Same price. Different loan structures.

A fixed-rate loan keeps the same interest rate for the life of the loan, which means steady, predictable payments over time.

An adjustable-rate loan (ARM) starts with a fixed rate for an initial period (often 5, 7, or 10 years), then may adjust periodically based on market conditions.

Neither option is “better” than the other, they’re designed for different plans and timelines.
What matters most is understanding how each structure works and how it aligns with your future plans.

Many buyers focus only on the starting rate, but the bigger picture is how long you plan to stay in the home and what level of flexibility makes sense for you.

SAVE this for later
SHARE it with someone thinking about buying a home
FOLLOW for simple home financing education

Loan program availability and qualification requirements vary. Contact a licensed mortgage professional to understand what options may be available for your specific situation.

Fixed Rate Mortgage | Adjustable Rate Mortgage | ARM Loan | Mortgage Comparison | Home Loan Options | First Time Homebuyer | Mortgage Education | Real Estate Tips | Home Financing Options | Interest Rate Types | 30 Year Fixed | 5 7 10 ARM | Housing Market Education | Loan Strategy | Mortgage Planning | Buying A Home | Homeownership Education | Mortgage Advice | PRMGCorp"

10/06/2026

Renting vs. buying isn't a simple “which one is better?” question.

Over five years, you're making very different financial tradeoffs.

With renting, you're paying for the flexibility and use of the home. With owning, you're also building an ownership stake through principal paydown, with the potential for your home to appreciate over time.

But buying also comes with maintenance, taxes, insurance, and transaction costs.

The right choice depends on your timeline, finances, goals, and what the numbers look like for you.

The best question isn't “Should I rent or buy?”

It's “What does each option look like over the next 5 years?”

10/01/2026

You bought the home...now what? 🏡

Owning a home doesn't stop at making your monthly mortgage payment.

There are a few simple habits that can help you stay informed, protect your investment, and potentially save money over time.

Here are five worth adding to your annual checklist:

✔ Round up your mortgage payment when possible.
✔ Review your homeowners insurance each year.
✔ Check your property tax assessment.
✔ Learn when you may be eligible to remove PMI.
✔ Schedule a yearly home finance check-in.

You don't have to do everything at once. Even one small step today can make a difference over time.

Save this post so you have this checklist when you need it.
Share it with a homeowner who may find these tips helpful.

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Address

9329 Mariposa Road Suite 110
Hesperia, CA
92344

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+17606800724

Website

https://200hesperia.prmgapp.com/DavidHenriquez.html

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