Los Angeles Mortgage

08/26/2026

🏡 The housing market is finally giving first-time buyers a break!

I was recently quoted in a Yahoo article about how the starter-home market is slowing down and buyers are starting to have more negotiating power. No more bidding wars on every single house.

Here is what I shared in the piece: "Rates falling usually means more buyers jump back into the market at the same time, which brings competition back and can push prices up enough to erase whatever you saved on the rate."

The full article covers:

-Why starter homes are sitting longer

-What this means for first-time buyers

-How to think about current interest rates

-The difference between luxury and entry-level markets

If you are thinking about buying your first home, this is worth a read. The market isn't easy, but it is more balanced than it has been in years.

And if you are also selling, I offer a full-service 1% listing program to help you keep more of your equity.

📖 Read the full article here: https://creators.yahoo.com/lifestyle/story/the-housing-market-is-finally-giving-first-time-buyers-a-break-120000793.html

Aaron Bae
Mortgage & Real Estate Broker
DRE 02177979 | NMLS 2341564
LA Mortgage & Real Estate
310-571-5750

Buying a starter home may be easier than it has been in years. Here's why more inventory, price cuts and less competition could work in your favor.

08/17/2026

Selling your home? Don't leave $18,000 on the table. 🏡💰

Most sellers pay 3% in listing commission — that's $27,000 on a $900,000 home. Our full-service 1% listing program gives you the same expert support, same professional marketing, same negotiation power... for a fraction of the fee.

✅ Professional Photography
✅ MLS Marketing
✅ Negotiation Support
✅ Local Pricing Strategy
✅ Contract-to-Close Management
✅ Financing for Your Next Home

Same great service. A lot more in your pocket.

📩 Fill out the form to see how much you could save.

Aaron Bae | Broker, LA Mortgage & Real Estate
DRE 02177979 | NMLS 2341564
🌐 www.los-angeles-mortgage.com

08/12/2026

Are you thinking about selling your home in Los Angeles but don't want to hand over 5 or 6 percent of your equity to a traditional agent? 🏠

The truth is, you don't have to.

I am Aaron Bae, a dual licensed broker at LA Mortgage & Real Estate, and I offer a full-service listing program for just 1 percent commission. That means professional photography, MLS marketing, contract management, and negotiation support are all included. Nothing is cut out. The only thing that gets cut is your cost.

On a $900,000 home, a traditional 2.5 percent listing commission costs you $22,500. My 1 percent program costs just $9,000. That is an extra $13,500 in your pocket. 💵

Most discount brokers out there charge upfront fees or provide minimal service. They put your home on the MLS and disappear. That is not what I do. I am a licensed broker with a mortgage license, so I can also help you finance your next home if you are buying at the same time.

If you are comfortable with the selling process and you want to keep more of your hard-earned equity, the 1 percent program is a smart move.

👉🏼 Visit my website at www.los-angeles-mortgage.com or give me a call at 310-571-5750 to see exactly how much you can save.

Read my full article: https://los-angeles-mortgage.com/the-discount-real-estate-agent-in-los-angeles-that-doesnt-cut-corners/

What questions do you have about selling with a discount broker? Drop them in the comments. 👇🏼

07/25/2026

Thinking about selling your Los Angeles home?

You might be wondering: "How much is this going to cost me in commissions?"

Here is the honest truth. A traditional listing agent charges 2.5 to 3 percent of your home's sale price. On a million-dollar home, that is 25,000 to 30,000 dollars just for the listing side. That is a lot of equity to give away.

I offer a different approach.

I am a 1% listing broker. That means I provide full-service representation—professional photography, expert marketing, skilled negotiation, and transaction management—for a flat 1% commission. On that same million-dollar home, you would pay only 10,000 dollars. That is a savings of 15,000 to 20,000 dollars.

No gimmicks. No hidden fees. Just a straightforward, full-service listing at a fraction of the traditional cost.

If you are curious about how much you could save, I am happy to run the numbers for you. No pressure, just honest advice.

Los Angeles Mortgage & Real Estate
www.los-angeles-mortgage.com
310-571-5750
DRE 02177979 | NMLS 2341564

07/20/2026

Save Thousands on Your Home Sale – Without Sacrificing Service!

Thinking about selling your home in Los Angeles? 😬

Let's be honest – real estate commissions can feel like a punch to the wallet. But here's the good news: discount real estate brokers in Los Angeles offer the same full-service representation at a fraction of the cost.

How much can you save?

On a $950,000 home, a 1% listing fee saves you roughly $19,000 compared to a traditional 3% commission. That's not pocket change – that's a down payment on your next home, a dream vacation, or a whole lot of avocado toast. 🥑

What do you get with a discount broker?

✅ Professional photography
✅ MLS listing and syndication
✅ Expert negotiation
✅ Full transaction management
✅ No hidden fees

Why pay more?

At LA Mortgage & Real Estate, we offer a 1% listing fee with full-service representation. Plus, as a dual-licensed broker, I can handle your financing for your next home too – all under one roof.

Ready to save thousands?

📞 Call us today at 310-571-5750
🌐 Visit www.los-angeles-mortgage.com

Tag a friend who needs to see this! 👇

Read our article: https://los-angeles-mortgage.com/discount-real-estate-brokers-in-los-angeles-how-to-save-a-fortune-and-still-get-a-great-agent/

Looking for discount real estate brokers in Los Angeles? Save thousands on commissions while keeping your sanity. Read our witty guide to finding the right broker for your home sale.

07/15/2026

Wondering if a 1% listing fee actually saves you money in LA?

Spoiler: it does. But there's more to the story.

Here's the honest breakdown:

What is a 1% listing fee?
You pay your listing agent 1% of your home's final sale price. On a $942,000 home (the LA median), that's $9,420 instead of the typical $25,700+.

What you get:
✅ Professional photography
✅ MLS listing and syndication
✅ Expert negotiation
✅ Full transaction management

The full picture:
You'll also pay a separate buyer's agent commission (typically 2-2.5%). That's negotiated separately—a key change since the 2024 NAR settlement.

The real savings:
On a $1M home:

1% listing: $10,000

2.5% buyer agent: $25,000

Total: $35,000

Traditional 6%? That's $60,000.

You save $25,000. 💰

And yes, you still get a full-service agent—marketing, staging advice, negotiation, and everything else you'd expect.

Is it right for you?
If you're cost-conscious and selling in a hot LA market, absolutely.

Curious how much you'd save? Drop a comment below or DM me—I'll send you a personalized estimate. 👇

LA Mortgage & Real Estate
📞 310-571-5750
🌐 www.los-angeles-mortgage.com

06/25/2026

So you want to buy a house in Los Angeles. Cute. 😅

Let's talk about what a mortgage broker actually costs—because nobody teaches this stuff in school, and your uncle's advice from 1987 doesn't count.

The short answer: Broker fees typically run 1-2% of your loan amount.

On a $500,000 loan (aka a "fixer-upper with potential" in LA), that's $5,000 to $10,000.

"Wait, that's expensive!"

Here's the plot twist: you might not even pay it directly. Sometimes the lender pays the broker behind the scenes. It's baked into your rate—like hidden calories in a green juice. 🥤

What you're actually paying for:
✅ Access to wholesale rates you can't get on your own
✅ Someone who shops dozens of lenders so you don't have to
✅ Expert help when your financial situation gets weird (self-employed? jumbo loan? we got you)
✅ A human to negotiate on your behalf

Are fees negotiable? Yes. Ask. The worst they can say is no.

The real bottom line: Don't just look at the fee—look at the total cost of the loan over time. A 1% fee that saves you $50,000 in interest is a better deal than a 0.5% fee with a mediocre rate.

Thinking about buying? Let's talk numbers. No pressure, just transparency.

Los Angeles Mortgage
📞 310-571-5750
🌐 www.los-angeles-mortgage.com

Read our full article: https://los-angeles-mortgage.com/mortgage-broker-charges-explained-what-youll-really-pay-in-2026/

Discover what mortgage broker charges you'll actually pay in 2026. Get the full breakdown of fees and costs before you commit.

06/09/2026

So you want to buy a house in Los Angeles. Cute. 😅

Let's talk about mortgage broker fees—because nobody teaches this stuff in school, and your uncle's advice from 1987 doesn't count.

What does a mortgage broker actually cost in LA?

Typically 0.5% to 2.75% of your loan amount.

On a $750,000 home (aka a "fixer-upper" in LA), that's between $3,750 and $20,625.

"Yes, but can't I just go straight to a bank and save money?"

Great question. Here's the plot twist:

Brokers get access to wholesale rates you can't find on your own. Even after paying their fee, you often end up with better terms than going direct.

What you're actually paying for:
✅ Someone who shops 20+ lenders so you don't have to
✅ Expert help when your financial situation gets weird
✅ A human to negotiate on your behalf
✅ Less stress (priceless, honestly)

Are broker fees negotiable?

Yes. Ask. The worst they can say is no.

The real bottom line:

The cheapest broker isn't always the best deal. Paying a little more for someone who actually knows what they're doing can save you thousands (and your sanity).

Thinking about buying? Let's talk numbers. No pressure, just transparency.

Los Angeles Mortgage
📞 310-571-5750

Read our full guide: https://los-angeles-mortgage.com/mortgage-broker-prices-in-los-angeles-what-youll-really-pay-in-2024/

Discover mortgage broker prices in Los Angeles for 2024. Learn what you'll really pay and how to find the best rates for your home loan.

06/04/2026

Thinking of buying a home in LA without a financial advisor?

Bold move. Let me know how that "house-rich, retirement-poor" life treats you. 😅

Look, no one technically needs a guide to climb Mount Baldy either. But wouldn't it be nice if someone pointed out the cliff BEFORE you stepped off it?

Here's the thing in Los Angeles—where a "starter home" costs more than a yacht in most states:

Your lender will tell you what you qualify for.
A financial advisor will tell you what you can actually afford without eating ramen until you're 80.

Spoiler alert: Those are VERY different numbers.

Yes, hiring an advisor costs money (about $1k-$3k for project-based help). But overspending on a house you can't comfortably afford costs... oh, about $200,000 over 30 years.

Do the math. That's like a 10,000% return. Better than whatever crypto your cousin keeps DMing you about.

So before you drain your emergency fund for a view of the Hollywood sign, maybe get someone in your corner who actually does the math—not just the mortgage.

Your future retired self (who wants to do more than just stare at their beautiful house) will thank you.

🔗 Read the full guide here: https://los-angeles-mortgage.com/financial-advisor-for-home-purchase-your-2026-guide-to-smart-home-buying/

Discover how a financial advisor for home purchase can help you buy smart in 2026. Expert tips for making confident home buying decisions.

05/26/2026

You know what is harder than buying a house in Los Angeles?

Finding a mortgage broker who does not make you want to fake your own death.

Lists of mortgage brokers are everywhere. Zillow. HUD. The BBB. Even your cousin's friend's recommendation. But here is the thing. A list is just a starting point. Picking a broker from a directory without doing your homework is like choosing a spouse based on their first photo. You might get lucky. But you probably want a bit more information first.

So how do you actually find a good one in 2026?

Ask these questions before you commit.

How long have you been in the business and how many loans do you close annually?
What types of loans do you specialize in?
How many lenders do you work with?
What is your typical timeline from application to closing?
How do you communicate and how quickly do you respond?
Can you provide recent client references?

Watch for red flags. Pressure tactics. Guarantees that sound too good. Upfront fees before any real work. Poor communication. If getting answers feels like pulling teeth, imagine how frustrating it will be when you are three days from closing.

The right broker does more than check a box. They anticipate problems before they arise, explain the fine print without making you feel foolish, and fight for you when something goes sideways. They make a stressful process manageable and a confusing process clear.

We wrote a complete guide on finding the right mortgage broker in 2026. It covers where to look, what questions to ask, which red flags to avoid, and why working with a broker often beats going direct to a bank.

Read the full article: https://los-angeles-mortgage.com/the-ultimate-list-of-mortgage-brokers-to-find-your-perfect-home-loan-in-2026/

When you are ready to talk to a broker who puts your needs first, call us at 310-571-5750.

Discover the best mortgage brokers in 2026 to secure your perfect home loan. Compare rates, services, and expert guidance in one ultimate list.