Araceli Cardenas

Araceli Cardenas Loan Officer | NMLS ID # 305197

State Licenses: CA # CA-DOC305197;

https://ccmtg.info/licensing

03/06/2026

Approved for a home 🏡 loan? The process isn’t over yet.

Certain financial changes between approval and closing can delay or even cancel your mortgage.

Avoid these until your loan closes:
❌ Opening new credit cards
❌ Financing a car or large purchase
❌ Changing jobs or income structure
❌ Making large unexplained deposits
❌ Missing bill payments
❌ Moving money without talking to your loan officer

Even small financial changes can impact your credit, debt-to-income ratio, or loan eligibility. Lenders also run a final credit check before closing.

✅ When in doubt, ask your loan officer first.
At ML Mortgage, we help guide clients every step of the way to keep closing day on track.

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These small tasks protect your home and save energy:• Replace HVAC filters• Reverse ceiling fans• Seal draft areas• Clea...
12/11/2025

These small tasks protect your home and save energy:
• Replace HVAC filters
• Reverse ceiling fans
• Seal draft areas
• Clean gutters
• Flush the water heater
Low effort → long term payoff.

At ML Mortgage, we take pride in helping families achieve the dream of homeownership while giving back to the neighborho...
12/02/2025

At ML Mortgage, we take pride in helping families achieve the dream of homeownership while giving back to the neighborhoods we serve. Let’s build something meaningful together.

Cyber Monday, but for mortgages?No gimmicks — just white-glove service from A to Z.
12/01/2025

Cyber Monday, but for mortgages?
No gimmicks — just white-glove service from A to Z.

Homes fuel communities—and communities fuel small businesses. Support your friends and neighbors this Small Business Sat...
11/29/2025

Homes fuel communities—and communities fuel small businesses. Support your friends and neighbors this Small Business Saturday.

Smart financing > impulse buys. If a home is on your list, we’ll help you plan it right.
11/28/2025

Smart financing > impulse buys. If a home is on your list, we’ll help you plan it right.

Thank you for trusting us with your home journeys! Wishing you and yours a wonderful holiday season and Happy Thanksgivi...
11/27/2025

Thank you for trusting us with your home journeys! Wishing you and yours a wonderful holiday season and Happy Thanksgiving!

The dream of homeownership may be closer than you think. Contact me to find out how I can help you reach it!
11/24/2025

The dream of homeownership may be closer than you think. Contact me to find out how I can help you reach it!

With Fannie Mae removing the 620 minimum score requirement for DU-approved Conventional loans (effective Nov 16, 2025), ...
11/22/2025

With Fannie Mae removing the 620 minimum score requirement for DU-approved Conventional loans (effective Nov 16, 2025), the focus shifts to the entire credit profile - not just a number.

At ML Mortgage, this is where we shine:
🔹 We guide buyers with credit challenges
🔹 We help agents bring “almost-ready” leads back to life
🔹 We provide fast, independent pre-approvals
🔹 We explain every option clearly with no surprises

If you’re a buyer or a real estate agent, now is the time to get ahead of this change and understand what it means for YOU.

When buying a home, you’ll often hear about earnest money, also known as a “good faith deposit.”It shows the seller you’...
11/20/2025

When buying a home, you’ll often hear about earnest money, also known as a “good faith deposit.”
It shows the seller you’re serious about purchasing their property and helps secure your offer.

💡 When it’s required:
Typically, when your offer is accepted the funds are deposited into an escrow account.

💡 Why it matters:
Demonstrates buyer commitment
Strengthens your offer in a competitive market
Is often applied toward your down payment or closing costs

👉 Always talk with your lender and agent to understand how much is typical in your area and when it’s due.
Ready to buy with confidence? Contact me today to get started on the path to homeownership.

The best “deal” is one that builds wealth.Focus on long-term value, not just the sticker price.
11/19/2025

The best “deal” is one that builds wealth.
Focus on long-term value, not just the sticker price.

One extra payment can shorten your mortgage by years.Small move, big impact — ask me how to structure it the right way.
11/15/2025

One extra payment can shorten your mortgage by years.
Small move, big impact — ask me how to structure it the right way.

Address

78401 Highway 111, Suite S
La Quinta, CA
92253

Telephone

+17605749397

Website

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