Panha Ra - Loan Officer

Panha Ra - Loan Officer Loan Officer at Absolute Mortgage & Lending
NMLS #2669574
Email: [email protected]
Phone numer: 225 247 5134

10/08/2025

✨✨CLOSED AND FUNDED✨✨

✨ Just helped my client close on his primary residence! Whether you’re looking to grow your portfolio or buy your first home, I’m here to make financing simple and stress-free.

Congratulation to the new homeowner 👏👏

Saving client thousands of dollar in broker fee for closing cost 😍😍

Thank you b**g Kim Cheng for your referral, and trusted your friend with me.

✨ ទើបជួយអតិថិជនទិញ អចលនទ្រព្យសម្រាប់វិនិយោគ បានជោគជ័យ! ប្រសិនបើអ្នកចង់ពង្រីកការវិនិយោគ ឬទិញផ្ទះដំបូង សូមទាក់ទងមកខ្ញុំ។

📞 Contact me today to explore your loan options and start building wealth through real estate!

—
Panha Ra | Absolute Mortgages & Lending
NMLS #2669574
📱 346-247-9446
📱 225-247-5134

✨✨CLOSED AND FUNDED✨✨✨ Just helped my client close on their investment property! Whether you’re looking to grow your por...
09/19/2025

✨✨CLOSED AND FUNDED✨✨

✨ Just helped my client close on their investment property! Whether you’re looking to grow your portfolio or buy your first home, I’m here to make financing simple and stress-free.

Saving client thousands of dollar in broker fee for closing cost 😍😍

✨ ទើបជួយអតិថិជនទិញ អចលនទ្រព្យសម្រាប់វិនិយោគ បានជោគជ័យ! ប្រសិនបើអ្នកចង់ពង្រីកការវិនិយោគ ឬទិញផ្ទះដំបូង សូមទាក់ទងមកខ្ញុំ។

📞 Contact me today to explore your loan options and start building wealth through real estate!

—
Panha Ra | Absolute Mortgages & Lending
NMLS #2669574
📱 346-247-9446
📱 225-247-5134

Ever catch yourself saying, “I don’t qualify to buy a home right now”?Here’s the truth: most people don’t start out perf...
08/25/2025

Ever catch yourself saying, “I don’t qualify to buy a home right now”?

Here’s the truth: most people don’t start out perfectly qualified.
But that doesn’t mean homeownership is off the table.

Sometimes it’s credit.
Sometimes it’s debt.
Sometimes it’s savings or income that feels a little too… unpredictable.

The good news? There’s always a next step.
Swipe through this post and you’ll find four common obstacles—and realistic ways to work through them.

You don’t need to be perfect. You just need a plan.

❤️ Like + 💾 Save this for later
💬 Know someone who needs to hear this? Send it their way!

08/24/2025

Remember when we all thought buying a house meant saving up 20%?

Same.
But here’s the truth most people don’t hear until it’s almost too late:

👉 You don’t need to drain your life savings.
👉 You don’t need six figures in the bank.
👉 You don’t even need 5% in some cases.

08/23/2025

Meanwhile, my 2025 clients are locking in homes at lower prices, negotiating closing cost credits, and using seller-paid rate buydowns to make their payments more affordable today.

Yes—rates matter.
But the monthly payment? That depends on price, leverage, and strategy.

Smart buyers are getting in now, customizing their loan to fit their budget, and refinancing later if the numbers make sense.

💬 Curious what this could look like for you? Comment “PLAN” and I’ll show you your options with today’s rates, prices, and payment strategies.

— Panha, a Cambodian Texas mortgage broker helping clients win on price and payment.

💼 DSCR Loans for Real Estate Investors📢 Buy rentals using rental income—not your personal income!Thinking about growing ...
07/08/2025

💼 DSCR Loans for Real Estate Investors
📢 Buy rentals using rental income—not your personal income!

Thinking about growing your rental portfolio but don’t want to jump through the hoops of traditional income verification?

Enter the DSCR Loan.
✅ No W-2s or tax returns required
✅ Based on property cash flow, not your personal income
✅ Perfect for self-employed or full-time investors
✅ Close faster with less documentation

📊 What is DSCR?
DSCR = Debt Service Coverage Ratio
If your rental income covers the loan payment, you’re in business.

💡 Example:
Monthly rent: $2,000
Monthly mortgage: $1,500
DSCR = 1.33 (That’s a green light!)

🏡✨ Thinking about homeownership but concerned about the down payment?Minimum Down Payments for Various Mortgage Types:- ...
06/25/2025

🏡✨ Thinking about homeownership but concerned about the down payment?

Minimum Down Payments for Various Mortgage Types:

- Conventional Loan: Only 3% down to begin your home buying journey.
- Adjustable-Rate Loan: Just 5% down with flexible interest rates.
- FHA Loan: A low 3.5% down, ideal for first-time home buyers.
- VA Loan: No down payment required for veterans.
- USDA Loan: Zero down payment for eligible rural and suburban homebuyers.

Whether you’re buying for the first time or transitioning homes, we have options to suit your situation. Don't let the fear of a large down payment deter you from your dream home!

📊 What Affects Your Mortgage Rate?Your rate isn't random—here's what lenders look at:✅ Credit Score – Higher score = low...
06/23/2025

📊 What Affects Your Mortgage Rate?
Your rate isn't random—here's what lenders look at:

✅ Credit Score – Higher score = lower rate
💵 Down Payment – More down = better rate
📉 Loan Type – FHA, Conventional, VA, etc.
📆 Loan Term – 15-year loans usually have lower rates
📊 Debt-to-Income Ratio – Lenders want you to borrow within your means
🏠 Property Type – Primary home vs. rental property can change your rate

💬 Want to see what rate you might qualify for? Message me—let’s check it out!



create visual poster with visual background dont have to include all the information

🔑 Mortgage Mondays Q&AFriends & family – if you’re thinking about buying, refinancing, investing, or just curious about ...
06/09/2025

🔑 Mortgage Mondays Q&A
Friends & family – if you’re thinking about buying, refinancing, investing, or just curious about how much home you can afford...

📬 Drop your questions in the comments or shoot me a message.

✅ First-time buyers
✅ Business owners who need a bank statement loan
✅ Investors looking to buy with no income verification
✅ Anyone unsure where to start

I'm here to help you win — not just get approved.

Let’s make smarter moves with real strategy 💼📈

🧾 No Tax Returns? No Problem. Buy a Home Using Bank Statement Loans!If you're self-employed, a freelancer, or a business...
06/05/2025

🧾 No Tax Returns? No Problem. Buy a Home Using Bank Statement Loans!
If you're self-employed, a freelancer, or a business owner, traditional mortgage requirements like W-2s and tax returns can be a challenge — especially if write-offs lower your taxable income.

That’s where Bank Statement Loans come in:

✅ Use 12 or 24 months of business or personal bank statements
✅ No tax returns or W-2s required
✅ Can qualify with just deposits showing your real income
✅ Great for gig workers, small business owners, contractors, and 1099 earners
✅ Available for primary homes, second homes, or even investment properties

Contact me today to get you into your dream home 🏠
Panha Ra | Absolute Mortgages & Lending
NMLS #2669574
Call or message me at 📞 225-247-5234.
Let’s make your homeownership journey simple and stress-free. ✨

Address

11111 Wilcrest Green Drive , Ste #108
Houston, TX
77042

Telephone

+12252475134

Website

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