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247 Home Lending

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Irvine, CA
247 Home Lending

Your go-to for seamless home purchase and refinance solutions. Turning homeownership dreams into a reality! 🏡

🪪 NMLS: 2584439 | DRE: 1991134

10/28/2026

🏡 **Still Paying Private Mortgage Insurance (PMI)? You May Not Have To Forever!**

If you have a conventional mortgage, your PMI payments could end sooner than you think! 💰

✅ **Know your home's original value** — Generally, the lower of your purchase price or original appraised value.

✅ **Watch for the 80% mark** — You may qualify to request PMI cancellation once your mortgage balance reaches 80% of your home's original value.

✅ **Remember the 78% rule** — PMI generally cancels automatically when your loan is scheduled to reach 78% of its original value, as long as you're current on payments.

💡 **Bonus Tip:** If your home has increased in value, you may qualify for earlier PMI removal under your loan servicer's guidelines.

📩 Contact your mortgage servicer to check your eligibility and request cancellation in writing.

📌 Save this post! Eliminating PMI could help lower your monthly mortgage payment.

🌐 www.247homelending.com
🤳 (866) 587-1443

10/20/2026

🏡 **Your credit card debt could be costing you more than you think. 👀**

Paying high interest on multiple credit cards? A HELOC might offer a way to consolidate that debt—but only if the numbers actually work in your favor.

Before making the switch, know your total debt, compare the full costs, and have a plan to avoid running up those balances again. ⚠️

Because lowering your interest rate means little if you end up deeper in debt.

💡 **Smart money moves start with asking the right questions.**

🌐 www.247homelending.com
🤳 (866) 587-1443

10/14/2026

🏡 HOMEOWNERS: Are you spending more than you need to? 💸

Owning a home is a major investment, but when was the last time you checked if you're actually saving where you could?

From removing unnecessary mortgage insurance (PMI) to finding better insurance rates, reviewing property taxes, and claiming eligible exemptions, a few simple checks could make a real difference!

✅ Know your home equity
✅ Review hidden interest costs
✅ Explore insurance discounts
✅ Double-check property taxes and exemptions
✅ Protect your property from potential fraud

💡 The smartest homeowners don't just maintain their homes—they keep an eye on the costs of owning them.

📌 Save this reel and make these 10 checks part of your yearly homeowner routine!

🌐 www.247homelending.com
🤳 (866) 587-1443

10/06/2026

When mortgage rates feel high, a lot of buyers immediately think, “Maybe I should wait.” 👀

But sometimes the better move is to look beyond the rate and ask: **How can we make the overall deal work smarter?**

Instead of focusing only on a lower purchase price, buyers may be able to negotiate seller credits that can go toward eligible closing costs or a rate buydown, depending on the loan program and deal structure.

Because sometimes the real opportunity isn’t just in the price—it’s in **how the deal is negotiated.** ☕️🏡

And that’s one of my favorite parts of helping clients navigate the market.

🌐 www.247homelending.com
🤳 (866) 587-1443

09/29/2026

One simple bank transfer can lead to **a lot more paperwork** before closing. 👀🏡

When you’re applying for a mortgage, your lender may need to verify the source of certain funds—especially large or unusual deposits.

Gifts from family, bonuses, money from selling something, transfers between accounts, or cash deposits may all require additional documentation.

The takeaway isn’t “don’t move your money.” 😂

It’s **keep a clear paper trail and avoid unnecessary financial surprises** while you’re getting ready to close.

Even a completely legitimate transaction can raise questions if you can’t document where the money came from.

And when you’re already close to the finish line, the last thing you need is another request for paperwork. 😅

Requirements can vary by lender, loan program, and individual transaction.

🌐 www.247homelending.com
🤳 (866) 587-1443

09/16/2026

🏡 Homeownership may come with tax benefits many buyers overlook.

Some homeowner tax benefits are built directly into the tax code—but they only apply in certain situations, including when you itemize deductions instead of taking the standard deduction.

The key? Know what may apply to you and run the numbers with your CPA or tax professional—not your real estate agent. Don’t leave potential savings unexplored.

And if you’re considering buying a home, understanding the potential tax advantages is another important part of the bigger homeownership and wealth-building picture.

📲 Know someone getting ready to buy their first home? Share this with them!

For educational purposes only. This is not tax advice. Consult your CPA or qualified tax professional for advice based on your situation.

🌐 www.247homelending.com
🤳 (866) 587-1443

08/18/2026

Your offset account could be one of the most powerful tools attached to your home loan — yet plenty of borrowers barely take advantage of it.

Here’s how it works: every dollar sitting in your offset reduces the balance your lender calculates interest on. So if you keep money parked there, you could pay less interest without actually locking that cash into your loan.

The best part? Your money stays accessible when you need it.

Keep building your offset balance over time, avoid dipping into it unnecessarily, and you could potentially shave years off your mortgage while saving thousands in interest.

Same income. Same repayments. Smarter use of your cash.

👉 Want to know if an offset account makes sense for your loan setup? Send me a DM and let’s take a look.

General information only — not personal financial advice. Figures are illustrative and depend on individual circumstances and loan features.

🌐 www.247homelending.com
🤳 (866) 587-1443

08/14/2026

$112,000 difference — on the same loan amount and the same interest rate. The way you structure your mortgage can make a huge difference over time. 👇

Here are 5 mortgage truths that can seriously impact what you end up paying:

1️⃣ Interest is calculated daily, not just once a month.

2️⃣ Offset and redraw facilities can both reduce interest while still giving you access to your money.

3️⃣ Your loan term can matter more than the rate — paying off a $500K loan over 25 years instead of 30 could save around $112K.

4️⃣ Fortnightly repayments can help you pay the loan off sooner because you effectively make an extra monthly repayment each year.

5️⃣ Interest costs are heaviest in the early years, so making extra repayments sooner can have a bigger impact.

There isn’t one mortgage setup that works for everyone. Your income, financial goals, cash flow, and future plans all matter when choosing the right structure.

📌 Save this for later and share it with someone who’s only comparing mortgage rates.

🌐 www.247homelending.com
🤳 (866) 587-1443

08/12/2026

✨ Mortgage terms shouldn’t feel like a secret language—but if you don’t understand them, you could end up paying more than you expected.

The more you know before talking to a lender, the easier it is to compare your options and make smarter decisions.

Here are a few terms every homebuyer should understand:

⚡ **APR** — Don’t look at the interest rate alone. APR also factors in certain loan costs and fees, giving you a better picture of what the mortgage may actually cost.

⚡ **Escrow** — A separate account used to collect money for expenses like property taxes and homeowners insurance, usually as part of your monthly mortgage payment.

⚡ **PMI** — Private Mortgage Insurance may be required when your down payment is below 20% on certain conventional loans. It protects the lender, not the borrower.

⚡ **Points** — You may be able to pay money upfront to reduce your interest rate. Whether that makes financial sense depends heavily on how long you plan to keep the mortgage.

⚡ **DTI** — Your debt-to-income ratio compares your monthly debt obligations with your income. Lenders use it as an important part of determining how much you may qualify to borrow.

⚡ **Amortization** — This is how your mortgage payments are spread over the loan term. Early on, a larger portion of your payment typically goes toward interest, with more going toward principal later.

⚡ **Underwriting** — This is where the lender reviews and verifies your income, assets, credit, debts, and property information before making the final loan decision.

⚡ **Equity** — The difference between your home’s current value and what you still owe on it. As you pay down the loan or your property increases in value, your equity can grow.

➡️ Understanding these terms gives you a major advantage when comparing loan options, reviewing paperwork, and asking your lender the right questions.

📌 Save this for your next mortgage conversation—and follow 247 Home Lending, Inc for mortgage information explained in plain English.

🌐 www.247homelending.com
🤳 (866) 587-1443

08/03/2026

🏡 Homeownership may do more than build equity—it could also provide valuable tax benefits.

As year-end approaches, here are several potential savings homeowners should know about:

✅ **Mortgage Interest Deduction**
Homeowners who itemize may be able to deduct interest paid on qualifying mortgage debt of up to $750,000 for homes purchased after December 15, 2017. Eligibility and limits depend on how the loan was used and when the mortgage originated.

✅ **Property Tax Deduction**
For the 2026 tax year, eligible state and local income or sales taxes—including property taxes—may be deducted up to a combined limit of $40,400, or $20,200 for married couples filing separately. Income-based reductions may apply.

✅ **Home Office Deduction**
Self-employed homeowners who use part of their home regularly and exclusively for business may qualify to deduct certain expenses. The simplified method allows $5 per square foot for up to 300 square feet.

✅ **Home-Sale Capital Gains Exclusion**
When selling a primary residence, eligible homeowners may exclude up to $250,000 in profit—or up to $500,000 for qualifying married couples filing jointly. Generally, you must have owned and lived in the home for at least two of the five years before the sale.

⚠️ **Important Energy-Credit Update**
Federal credits for qualifying solar installations and energy-efficient home improvements generally ended for expenses or improvements made after December 31, 2025. Be cautious of older tax advice that still advertises these credits for new 2026 projects.

Don’t leave potential savings on the table. Save this post, gather your mortgage statements, property-tax records, home-office expenses, and closing documents, then speak with a qualified tax professional about what applies to your situation.

💬 Thinking about buying or selling a home? Send me a message, and let’s create a plan that supports both your real estate and financial goals.

🌐 www.247homelending.com
🤳 (866) 587-1443

Address

18818 Teller Avenue #140
Irvine, CA
92612

Opening Hours

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

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