Johnny Rojas PRMG RLG Mortgage

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Johnny Rojas PRMG RLG Mortgage PRMG NMLS #75243 By doing so, can all move forward together confidently in providing the best client experience possible.

Our goal is to create high trust relationships with our clients and referral partners through Education, Strong Communication, Transparency, Integrity and Due Diligence. We call it our 360 approach...we won't move forward on the deal unless everybody wins. It is possible and we have the track record to prove it.

10/15/2026

Rates are key and cause for pause at times...but they can lead us to taking our eye off the bigger picture.

At the end of the day, the payment for whatever transaction is usually a bigger factor in our game plan.

Add in the fact that a higher rate may lead to a bigger tax benefit depending on your particular tax structure...and all of a sudden, the rates look much better as part of our overall financial plan.

The current rates are also having a secondary effect that can help as well.
Sellers are becoming more inclined to give you a credit that you can then use to buy tour rate down and badda-bing badda-boom...youre right back where you wanted to be in terms of rate and payment.

We always hear about how those that know what to look for can grow their financial position in a tough market.

Owning real estate can be a critical component of you doing so if you know what to look for.

Call me or DM me if you are on the fence and can use a detailed breakdown of what your numbers can be.

Thanks for watching and make it a great day!

10/09/2026

Are you sitting on equity that you want to access without changing your mortgage rate?

Maybe you need to get some high interest rate credit card debt relief...or perhaps you want to get some home upgrades and projects done before the holidays?

Or maybe you just want to have the secure feeling of knowing you have access to funds in the event of an unforseen expense.

Whatever the case may be, a Home Equity Line of Credit or even a second mortgage may be what you are looking for.

Both options have their pros and cons and I'll be happy to discuss the differences with you to help you make an informed decision.

Even if you're not ready or undecided at this time, I'll be happy to show you where you stamd so you can make an informed decision once the time comes.

Thanks for watching!

09/04/2026

Sometimes we just need some straightforward advice on how to get something done or what our options are.

Its times like this that we need to rely on a trusted advisor.

Whether is a simple home repair, advice on a car, or planning some home financing moves...its always good to know a guy who knows a guy.

While my home repair and auto skills are mid-range... depending on who you ask (whatever you do...do NOT ask my wife 😅) I'm pretty sure I may know a thing or two about your home financing questions.

Give me a call or shoot me a message and lets get into it.

Thanks for watching and make it a great day 👍🏼

One of the most common surprises in the homebuying process? Closing costs. Let's fix that. 💡Lender fees - origination & ...
09/04/2026

One of the most common surprises in the homebuying process? Closing costs. Let's fix that. 💡

Lender fees - origination & underwriting
Appraisal - to confirm the home's value
Escrow Services - 3rd party handling of documents and funds involved
Title services - to verify ownership history
Title insurance - to protect against future claims
Prepaid items - property taxes and homeowners insurance paid upfront

Closing costs generally range from 2-5% of the loan amount, and they vary based on your location, lender, and loan type. Some programs allow sellers to contribute, or you can roll them in. Options exist.

The goal is zero surprises at the closing table. We'll walk you through your estimated costs early in the process so you always know where you stand.

Questions? Drop them below.



Closing Costs | Home Buying Tips | Mortgage Fees | First Time Homebuyer | Home Loan

08/21/2026

Are you sitting on equity in an investment/rental property and dont think you qualify to pull cash out because of your income or credit?

There are loan options where your income isnt a factor.

The main issue is can the property pay for itself?

If so, this may be the solution for you.

You dont necessarily need stellar credit either. Decent credit and good equity goes a long way these days.

This may be a solution you werent even aware of.

Let us know if like to learn more and we are happy to help! Thanks for watching 👀

08/20/2026

A bit of a late post...but a couple weeks back, my kids asked if we could celebrate the 100th Anniversary of Route 66 with a road trip to before they start college.
There is nothing I love more than hanging with my Tribe on new adventures...so hell yes we jumped into the ol Yukon and off we went.
We checked out the Route 66 Museum in Victorville, hung with the wild burros in Oatman, hiked the desert near Kingman, grabbed at an old school 50s diner and even went 200ft underground in the Grand Canyon Caverns.
Real talk...idk what part I enjoyed the most...the scenery we saw...the burro that walked into the store and snuck up on me...or the fact that our kids have that traveling bug and like to hit the road with their folks.

Yep...I'm going to go with that last one. These are the moments and memories that give me a warm and fuzzy. 🙌🏼🐴🫡🤎

08/10/2026

If I've said it once, I've said it a thousand time...the VA loan is by far the BEST loan out there to use.

If you are a veteran and are on the fence to see what it looks like for you to qualify to buy a home.. please give me a call.

I'll be happy to show you what that looks like.

I did it myself years ago and my only regret was not having done it sooner.

07/28/2026

Do you want to buy but not sure if you qualify???

Youre not alone. We dont know where to start, who to ask or even what to ask.

This is a very common story I hear from clients all the time.

Getting ready to buy a home and checking off all the boxes is critical and can save you many a sleepless night and worries.

Get your income reviewed, see where your credit stands and find out if you need to do some work to polish it up.
Lastly, see how much you need to come up with out of pocket or if there are any program options to help you make your homeownership goals a reality.

Let me know if you need some help sorting this out and I'll be happy to help.

I know I needed this kind of guidance the 1st time I went thru this. And the 2nd...and the 3rd...you get the picture.

As always...thanks for watching and make it a great day 👍🏼

07/15/2026

Being self-employed can sometimes make it hard to qualify for home financing with traditional lending.

We get it.

If you've been turned down elsewhere, we have options for you. There are different programs available for you that you may not be aware of.

Shoot me a message or give me a call and I will show you your options.

And if for whatever reason you arent ready to go just yet...I'll put together a plan for you to know what it will take to qualify.

Thanks for watching!

Address

3349 Michelson Drive, Suite 200
Irvine, CA
92612

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 4pm
Sunday 9am - 4pm

Telephone

+19496887875

Website

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