Loanguru Mortgage

Loanguru Mortgage Loanguru Mortgage NMLS 2439615, Your personal home loan advisor for the best mortgage offers.

08/27/2026

“Trust me bro, the rental will pay for itself.”

That may be one of the most expensive sentences in real estate.

Before making an offer on an investment property, run two checks:

1️⃣ Calculate the cap rate. It shows how much the property earns after operating expenses, but before the mortgage.

2️⃣ Check the actual cash flow. Will the rent cover the mortgage, property taxes, insurance, HOA, repairs, and vacancy?

A property can have a decent cap rate and still leave you paying out of pocket every month.

Run the numbers before you write the offer—not after.

Sam Naha | NMLS 1861167
LoanGuru Mortgage LLC | NMLS 2439615
Equal Housing Opportunity

08/26/2026

POV: your mortgage broker meets the high-rate gang 😤
(This is what shopping multiple lenders for you feels like.)

Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

08/18/2026

Bank statement loan for self-employed? Tax returns ke bina qualify karne ka raasta.
12 months of statements, business or personal.
Every situation is different — general info, not a loan commitment or offer to lend. Loan documents and disclosures are provided in English.
Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity.

08/13/2026

Income to buy a house in Mountain House: this real $1.15M listing takes about $260K/year and the property tax out here runs ~$17K, not what the listing line suggests.
One scenario, real math. DM me for your personalized numbers.

Drop a city in the comments and I'll run a real house there next week.
Every situation is different — general info, not a loan commitment or offer to lend.

Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

08/01/2026

Mortgage rates this week: near a one-year high — and three Fed officials just voted to raise, not cut. Friday Rate Check.

The futures market now prices ~90% odds the Fed's rate is higher by January (CME FedWatch). Nobody knows the future — so run your numbers on today: Loanguru.us, 60 seconds, no SSN, no credit pull.

Every situation is different — general info, not a loan commitment or offer to lend.
Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

07/30/2026

Moving to Modesto: around $424K. the cheapest city in this series, and homes still go pending in ~8 days.

The twist nobody expects: the bottom of the price ladder is the fastest market on it. Run your real numbers first, Loanguru.us, 60 seconds, no SSN, no credit pull.

Six cities down. Which one gets the full deep dive? Comments.

Every situation is different — general info, not a loan commitment or offer to lend.
Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

07/29/2026

Watch till end to know WHY Stockton homes can DOUBLE in value FASTEST. Stockton homes: around $429K — less than half of Mountain House, and the school district line that runs right through the city changes everything. Ep. 3 of Moving to the Central Valley.

Modesto is Ep. 4 — drop your questions for it in the comments.

Every situation is different — general info, not a loan commitment or offer to lend.
AI-generated visuals.
Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity.

07/28/2026

River Islands vs Manteca: the gap is about $145K right now. The twist is which one sells faster.
Ep. 2 of Moving to the Central Valley (Ep. 1 was Mountain House vs Tracy). Run your real numbers before you tour either, link is in bio, 60 seconds, no personal info needed.
Ep. 3 is your call: Stockton or Modesto? Vote in the comments.
Every situation is different — general info, not a loan commitment or offer to lend.

Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity.

07/27/2026

Mountain House vs Tracy: the gap is about $212,000 right now. Here's what it buys.
Mountain House: Newer communities, homes and parks. Better school ratings. Watch the property taxes and the high school is getting overcrowded.

Tracy: Established neighborhoods, more square footage per dollar. Better rental opportunities.

Every situation is different — general info, not a loan commitment or offer to lend.
Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

07/25/2026

Mountain House homes: one seller just cut $75,756 off the ask.
If you're touring open houses this weekend, that's leverage. Get your real number in 60 seconds — no Phone, no Email, no SSN, no credit pull. Link is in bio.
Every situation is different — general info, not a loan commitment or offer to lend.

Sam Naha NMLS 1861167 · LoanGuru Mortgage LLC NMLS 2439615 · Equal Housing Opportunity

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Mountain House, CA
95391

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