Peggi Sahota - Mortgage Loan Officer NMLS# 1077117

Peggi Sahota - Mortgage Loan Officer NMLS# 1077117 NMLS #1077117 Mortgage Loan Officer at NEXA Lending, LLC
Corporate NMLS #1660690 | Equal Housing Lender | EHO “Equal Housing Opportunity”

09/08/2026

Things mortgage lenders say 47 times a day 😂🏡

The do’s, don’ts, and “please don’t do that until after closing” of buying a home.

A little advice at the right time can save your loan from a big headache.

09/07/2026

Down payment assistance sounds great—but do you know what you’re actually signing up for? 👀🏡

Before choosing a program, make sure you understand these 4 things:
1️⃣ Is it a grant or a second loan?
2️⃣ Will you have to pay it back?
3️⃣ Could it mean a higher rate or additional costs?
4️⃣ What happens when you refinance or sell?

Down payment assistance can be a great option for the right buyer—but it’s not always the best option just because it helps with the down payment.

Want to know which option might make the most sense for you?

👇 Comment DPA below for more information.

09/05/2026

Just because you QUALIFY for the payment doesn’t mean you’ll be COMFORTABLE with the payment. 🏡

Your debt-to-income ratio (DTI) helps determine how much you may qualify for, but it doesn’t account for every part of real life.

Groceries. Utilities. Childcare. Travel. Savings. Emergencies. And everything else you spend money on each month.

When you’re buying a home, don’t just ask, “What’s the most expensive house I can buy?”

Ask, “What price range gives me a payment I’m actually comfortable with?”

That’s the number that matters. 💰🏡

09/04/2026

“Joint tenants” means more than simply having two names on a deed. 🏡

After my original title video went viral, I received so many questions about what joint tenancy actually means.

One important feature is the right of survivorship but there are additional requirements and considerations involved with joint tenancy, which is exactly why I don’t want anyone making decisions about how to hold title based on a social media video.

My goal with this series was simple: Know how you hold title to your property.

Pull your recorded deed. Look at the vesting. And if you don’t understand what it means or aren’t sure it reflects what you intended, have a qualified professional review your individual situation.

If this series made you pull out your deed and actually look at it, then it did exactly what I hoped it would do. ❤️

Save this and share it with another homeowner.

I’m a mortgage professional, not an attorney. This is general educational information and is not legal or tax advice.

RealEstateTips EstatePlanning

09/03/2026

Home prices have changed A LOT in the last 60 years. 🏡🤯

In 1966, the median price of a new home sold in the U.S. was about $21,400. Today, it’s around $400,000.

If that same historical increase were repeated over the NEXT 60 years, the math would put us at more than $7 MILLION. 😳

To be clear: I’m NOT predicting $7 million homes. It’s simply a thought experiment that puts long-term home price growth into perspective.

So now I want to hear your prediction…

👇 What do you think the typical home will cost 60 years from now?

MortgageTips Homeownership

09/02/2026

You commented “TITLE” — so here’s where to start. 👇🏡

After my last video, so many of you asked how to find out how you actually hold title to your home.

Start by getting a copy of your recorded deed.

In California, you may already have it in your closing documents, or you can contact the title/escrow company that handled your transaction or your County Recorder’s Office to find out how to obtain a copy.

Then look at the vesting language…not just whose names appear on the property, but HOW ownership is held.

Real estate and title laws vary by state, so if you’re unsure what your vesting means or whether it accomplishes what you intended, speak with a qualified real estate or estate-planning attorney in your state.

And don’t wait until something happens to find out. ❤️

Follow me for Part 3: What does “Joint Tenants” actually mean?

Save this video and send it to someone who owns property with another person.

For educational purposes only. This is not legal advice.

08/29/2026

They were prepared to PAY CASH for their new home… but they didn’t have to. 🏡💰

Instead, we used an asset depletion loan, which allowed us to use eligible investment assets to help create qualifying monthly income for the mortgage.

The result? They only needed to pull about 20% from their investment accounts for the purchase and were able to leave the rest invested and working for them.

And we were CLEAR TO CLOSE in just 11 days! 🙌

This can be a great strategy for retirees or buyers who have significant assets but may not show enough traditional monthly income to qualify for the mortgage they want.

Before you liquidate investments or pay cash for a home, find out what financing options may be available to you.

👇 Comment ASSETS and I’ll point you in the right direction.

Loan programs and qualification requirements vary. Not all borrowers will qualify.

08/27/2026

Two words can make a BIG difference when it comes to how you hold title to your home: Joint Tenants. 🏡

A homeowner may think everything is set up correctly — but what matters is how ownership is actually vested on the recorded Grant Deed.

And your Grant Deed is NOT the same thing as your Deed of Trust.

If you own property with a spouse, parent, child or anyone else, this is a good reminder to review how title is actually held — before it becomes an issue.

Not sure where to start? Comment “TITLE” below and I’ll point you in the right direction.

This is for educational purposes only and is not legal advice. For questions about title, probate or estate planning, consult a qualified title professional or attorney.

08/25/2026

“It’s my money… why does the lender care where it came from?” 😂

Because when you’re getting a mortgage, funds being used for your down payment and closing may need to be documented and sourced.

PSA: Before you deposit $30,000 in cash you’ve been keeping in a safe for the last five years into your bank account two weeks before closing… CALL YOUR LOAN OFFICER FIRST. 😂

Large, unexplained deposits can create unnecessary headaches during underwriting.

Planning to buy a home? Where your money is coming from matters and a little planning ahead can make the process much smoother.

08/21/2026

🏡 What if you could move… without giving up your 3% mortgage rate?

A new bill called the MOVE Act has been introduced in Congress that could potentially allow qualifying homeowners to transfer their existing mortgage balance, interest rate AND remaining term to a new home.

Imagine owing $300,000 at 3% and being able to take that mortgage with you when you buy your next house. 👀

But here’s the important part: this is only proposed legislation. It has NOT passed, and this option is NOT currently available.

If your low mortgage rate is one of the reasons you feel stuck in your current home, this is definitely something to watch.

👇 Would being able to take your 3% mortgage with you make you consider moving? Tell me in the comments and follow me for updates on this bill.

HomeBuying MortgageTips MoveUpBuyer

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