Brian Spinuzzi - Mortgage

01/28/2025

PSA: Please, for anyone struggling with getting equity out of their home, don't ever entertain this new "scam". Commonly known as an "HEA" or Home Equity Agreement. The offer is that you can get cash out of your home without making a payment or costing you interest. It is not regulated and you will give up somewhere between 25%-40% of your remaining equity. I would call that interest!

Please make sure no one you care about ever does this.

A summary of the risks consumers face with home equity investment contracts and agreements, including high costs, lack of disclosures, forced sale of home, and liens.

10/25/2024

Rates! "They are up", "They are down"

About a month ago rates "went down". The media decided to jump on the topic and now everyone thinks they are "down". That lasted about a week and then the rates started climbing again. I guess the media just needed to fill some space on air. Even when the rates go down, they don't move much, maybe .25%.

Bottom line is that you should not be relying on the media to tell you where rates are. I've been doing this for 27 years now and you can call me anytime to discuss at 909-241-0890.

Rates should not always be the focus anyway. Should a rate decide when to buy your dream home if you find it? Nope. What if you can save hundreds of dollars per month but your friend, neighbor or uncle tell you that rates are too high? Did you know if you just added a few hundred $ of that savings you get by refinancing that you could eliminate tons of interest and shave years off of your mortgage which is an absolute interest killer! Wouldn't you rather discuss that with a professional so you can decide with common sense as to whether to pull the trigger on a debt consolidation or home improvement loan?

Give me a call anytime, no pressure, and we can discuss a plan for you whether is is refinancing to save on your monthly bills or purchasing your next residence or investment property.

Brian Spinuzzi
Ladera Lending, Inc.
(909)439-8871
NMLS #1257041
DRE #01244469

02/10/2024

Ready to explore opportunities and leverage your home’s value for a brighter financial future? Call me at (909) 241-0890 today to get started! NMLS # 1257041

11/15/2023

If you have more than $20k in revolving or unsecured debt, it really doesn't matter what your current interest rate is on your mortgage. Normally, those other debts are extremely high interest accounts with short terms. The average credit card right now is 23%. That is average! So imagine with the high end is. In addition, if you don't have 6 months in reserves in your account, you should consider how to make that happen.

The average homeowner refinances every 3.5 years.
The average homeowner sells their home after 7 years.
The average homeowner does not qualify for a HELOC or 2nd Mortgage. (we do these as well)

So do yourself a favor and give me a call. Don't be stubborn and say, "but my interest rate is 2-3% and I don't want to lose that". What if you are not planning on having that loan for 30 years? Then what does that look like? I promise, if it makes sense to keep your current loan, I will tell you just that.

The point of this post is that if you are a home owner and are struggling to pay your bills, give me a call and I go over all of your options with you. Doesn't hurt to make sure you are doing everything you can during these high interest rate times.

Brian Spinuzzi
909-241-0890
NMLS #1257041

09/23/2023

Your journey to homeownership takes an exciting turn as you're on the path to securing your new home. Whether you're upgrading or relocating, our experienced team is here to provide the support you need.

Don't miss this opportunity. Take the first step towards your new home today and get pre-approved. (909) 241-0890 NMLS # 1257041

03/20/2023

Yikes, I am young!

03/02/2023

It's never a bother to call me. I am full of knowledge in mortgage and real estate, mostly useless, but I make up for that in my 25 years of experience ;)

Let's chat confidentially about your situation. 909-241-0890 is my cell or you can reach me at my desk at 951-439-8871.

"Rates are high" is all you hear from friends, family and the media. None of whom have the responsibility of paying your bills on a monthly basis. So the question really is, "rates are high compared to what?"

Send a message to learn more

02/23/2023

Check out my reviews and give me a call if you are in need of consolidating or know someone who could benefit from my services. My customer service is top notch and your friends and family will be glad you gave them my number!

Mortgage and Real Estate have been my career since 1997. With my roots in the Inland Empire, I currently reside in Corona, CA and manage the Corona Branch for Ladera Lending, Inc. I have been successful in this industry because of the relationships that I have built with clients like you. My custome...

02/09/2023

Really excited to help this vet close his VA refinance after a competitor had turned him down. Ladera getting it done!

Click to see all 77 reviews of Brian Spinuzzi,
Site Manager - VP | NMLS # 1257041

02/06/2023

If you are thinking about consolidating some debt, completing some home improvements or keeping cash on hand for a rainy day, I have some options for you.

I also have great purchase financing programs to share with you if you’re thinking to purchase a new home or an investment property.

If you don’t need my services at this time, but you know of someone that does, please share my contact information with them and I will give them the VIP service from start to finish!