Agustin Jimenez MLO

Agustin Jimenez MLO Licensed in New Jersey, New York, Pennsylvania, Connecticut, Florida, Texas and NC. 🏡

Agustin has built a strong reputation as an outstanding mortgage originator serving the lending needs of real estate professionals, builders and individual homebuyers.

04/07/2026

Si tienes dinero guardado “debajo del colchón” 😅…
❌ así NO te va a ayudar para tu préstamo

Para que ese dinero cuente, debe estar:
👉 en tu cuenta de banco
👉 por lo menos 60 días (lo que llamamos “seasoned funds”)

¿Por qué? 👇
El banco necesita ver de dónde viene ese dinero 💼
Si no está en el banco el tiempo suficiente,
👉 pueden pedirte pruebas
👉 o simplemente NO lo pueden usar para la compra

Tip pro 🏡:
Si estás pensando comprar casa pronto,
empieza a mover tu dinero con tiempo ⏳

✅ Deposítalo
✅ Déjalo en la cuenta
✅ Evita movimientos raros

Tu “yo del cierre” te lo va a agradecer 🙌✨

📲 Si tienes dudas, escríbeme y te explico tu caso paso a paso ❤️💞❤️

Imagine this: you’ve packed the boxes, ordered the movers, even picked out the first meal you’ll cook in your new kitche...
09/18/2025

Imagine this: you’ve packed the boxes, ordered the movers, even picked out the first meal you’ll cook in your new kitchen … and then the call comes: 𝙮𝙤𝙪𝙧 𝙡𝙤𝙖𝙣 𝙙𝙞𝙙𝙣’𝙩 𝙘𝙡𝙤𝙨𝙚.

It happens more often than you’d think, but here’s why—and what you can do about it:

✔️ Credit score changes — Opening a new credit card or financing furniture right before closing can drop your score. Solution: Keep your credit activity quiet until after the keys are in your hand.

✔️ Employment shifts — Switching jobs or reducing hours can raise red flags. Solution: If you’re planning a change, talk to your lender first. Timing is everything.

✔️ Big bank deposits — Large, unexplained deposits can stall underwriting. Solution: Keep a clear paper trail and always check before moving money.

✔️ Appraisal issues — If the property doesn’t appraise for the purchase price, financing can fall apart. Solution: Have your Realtor + broker strategize on renegotiating or exploring other loan options quickly.

The good news? With the right game plan (and a calm, proactive mortgage pro in your corner 👋), most of these can be fixed—or avoided altogether.

💬 Have questions? Drop them below or send me a DM—I’ll walk you through what to expect so you don’t end up blindsided at the finish line.

— Agustin, proudly serving the Tri-State Area and neighboring communities as your friendly, local mortgage broker.



Here’s what most people don’t realize:Buying a home almost never starts with excitement, 𝙞𝙩 𝙨𝙩𝙖𝙧𝙩𝙨 𝙬𝙞𝙩𝙝 𝙝𝙚𝙨𝙞𝙩𝙖𝙩𝙞𝙤𝙣.I’ve ...
09/16/2025

Here’s what most people don’t realize:
Buying a home almost never starts with excitement, 𝙞𝙩 𝙨𝙩𝙖𝙧𝙩𝙨 𝙬𝙞𝙩𝙝 𝙝𝙚𝙨𝙞𝙩𝙖𝙩𝙞𝙤𝙣.

I’ve had buyers tell me…

“We’re not sure if we should wait for lower rates.”
“We don’t know how much we actually need for a down payment.”
“What if we apply and don’t qualify?”

And you know what? Every single one of those worries is completely normal.

That’s why my first step isn’t handing you a rate sheet, it’s sitting down for a real conversation.

We’ll talk through your questions, your budget, your fears… and then map out a mortgage strategy that feels clear and doable.

Because buying a home isn’t just about numbers, it’s about peace of mind knowing exactly what comes next.



👉 Thinking about buying in the Tri-State Area? Comment “READY” and I’ll run your personalized home financing plan.

— Agustin, your go-to mortgage broker in Northern New Jersey.

HABLAMOS ESPAÑOL

I’ll be real with youThat initial mortgage rate you see online?It’s not the “deal.” It’s just the opener.And that “frien...
09/09/2025

I’ll be real with you

That initial mortgage rate you see online?
It’s not the “deal.” It’s just the opener.

And that “friend of a friend” saying “just take what the bank offers”?
They’re not the ones paying your monthly bill.

Here’s what most people forget:

👉 The first quote is just a baseline.
👉 Strategy (shopping, programs, and points) is where the savings happen.

Recently, I helped a client cut their rate lower than their bank’s “best offer.”
We stacked in a local grant + used a temporary buy-down.
End result: 💸 lower monthly payment and long-term savings.

Why?
Because strategy beats hype. Every. Single. Time.

💬 “You’ll never beat the rate your bank gave you!”
Cool story. Meanwhile, my clients are closing with money still in their pocket.

Don’t settle for noise.
Work with someone who actually knows the programs, the grants, and the numbers.

👉 Buying in 2025 or 2026? Don’t just accept the first rate you see.

Comment SAVE and I’ll send you a free breakdown of today’s best mortgage strategies, grants, and programs

Ever been up at midnight, scrolling through listings like it’s Netflix?You spot the one—perfect kitchen, cozy backyard, ...
09/09/2025

Ever been up at midnight, scrolling through listings like it’s Netflix?

You spot the one—perfect kitchen, cozy backyard, even the right street name…
…but then reality hits: without a solid mortgage game plan, that house stays a screen crush instead of house keys in your hand.

The truth? Browsing is fun (I’m guilty too), but turning those late-night Zillow binges into real moves starts with knowing your numbers.

So before you fall for another listing at 1am, let’s make sure your mortgage strategy is locked in.

💬 Drop a 🏡 if you want me to break it down for you!

Agustin, your go-to mortgage broker.

You wouldn’t trust ChatGPT to plan your wedding or pick your baby’s name…So why let it pick your mortgage rate?The truth...
08/16/2025

You wouldn’t trust ChatGPT to plan your wedding or pick your baby’s name…
So why let it pick your mortgage rate?

The truth is, no AI or online calculator knows your credit score, goals, or the fact that your lease ends in 6 weeks and you’re starting a new job in a new state.

That’s not a “vibe.”
That’s real life.

Let’s make a strategy built around you.
DM me and I’ll help you figure it out.

❤️ Like, and tag a friend who’s 5 minutes away from Googling “Can I afford a house or should I just keep renting forever?”

— Agustin, proudly serving as your friendly, local mortgage pro

08/15/2025

After helping hundreds of clients through the mortgage process, you start to notice the same pain points pop up.

Some are small oversights that delay the loan.
Others? They can cost buyers real money—or even derail their approval entirely.

Here are 8 things I personally avoid as a homeowner after seeing how the financing process really works:

1️⃣ No receipts = no value boost
Thinking of upgrading your home? Keep detailed records. Appraisers can’t assign value to what can’t be verified—and that can impact your refi down the line.

2️⃣ Skipping homeowners insurance shopping
Some clients lock in a policy last-minute and pay way more than they should. I always compare quotes early to keep my escrow (and payment) manageable.

3️⃣ Assuming your credit is fine
I’ve seen more loan delays caused by small credit missteps than anything else. I keep tabs on my score even when I’m not house shopping.

4️⃣ Putting large deposits into your account without a paper trail
As a borrower? That’s a compliance nightmare. As a homeowner? I play it safe with documentation—always.

5️⃣ Co-signing for someone else’s loan
I’ve seen this one sabotage people’s mortgage approval more than once. If you’re planning to buy or refi, think very carefully before saying yes to co-signing.

6️⃣ Financing big purchases before closing
New car? New furniture? I’ve seen buyers tank their own loan by doing this mid-process. As a rule, I don’t open new credit when mortgage planning is even remotely on my radar.

7️⃣ Not understanding what your escrow covers
Your mortgage payment isn’t just principal & interest. I always break it down, so there are no surprises with property taxes, insurance, or PMI.

8️⃣ Assuming 20% down is your only option
Even now, I still hear this myth daily. As a homeowner myself, I used strategic low-down-payment options—and that freed up cash for renovations and savings.

These aren’t just “tips”—they’re real-world lessons I’ve learned from the mortgage side of things. And they’ve helped me make smarter decisions as a homeowner, too.

— Agustin, your go-to mortgage broker.

08/14/2025

I get it...waiting for interest rates to drop feels like the smart move.
But here’s what I’m seeing from the mortgage side…

When rates dip, demand surges. Suddenly, buyers lose their edge, offers go over asking, seller credits disappear, and monthly payments still climb because home prices spike.

That “better deal” you were hoping for? It usually costs more in the long run.

Meanwhile, my 2025 clients are locking in homes at lower prices, negotiating closing cost credits, and using seller-paid rate buydowns to make their payments more affordable today.

Yes! rates matter.
But the monthly payment? That depends on price, leverage, and strategy.

Smart buyers are getting in now, customizing their loan to fit their budget, and refinancing later if the numbers make sense.

💬 Curious what this could look like for you? Comment “PLAN” and I’ll show you your options with today’s rates, prices, and payment strategies.

— Agustin, a local mortgage broker helping clients win on price and payment

11/01/2024

Did You know that FHA will CONSIDER a seasonal worker to close WITHOUT yet returning to their seasonal employer?

FHA guidelines allow the use of seasonal unemployment income to be used with a 2-year history of receipt AND a VOE from the Employer WITH a definitive return date.

Most Lender interpretation of the guidelines allows the use of the most recent 30 days of unemployment checks towards the DU income requirements.

IMPORTANT:

FHA guidelines REQUIRE a 2-year average of income REGARDLESS what the VOE states due to the seasonal nature of the employment.

10/31/2024

7 negotiating tips:
Negotiating is about compromise. You might not get everything you want. Especially if you’re buying in a hot market!

1. Know your bottom line. What’s the maximum you’re willing to pay? What’s non-negotiable?

2. Document it. Make sure every counteroffer and agreement is in writing.

3. Recognize a fair price. If the home is listed at or below the neighborhood’s going rate, don’t expect to negotiate a lower price.

4. Let go of small price differences. Think about the cost per month for the life of the loan, and whether saving that is worth passing up the home.

5. It’s not just about price. The terms of the purchase are important too, and for the seller, the fewer contingencies, the better.

6. Learn about the seller. It’s great if you can tailor your offer to their needs. For example, can you accommodate an unusually fast or long closing?

7. Be prepared to walk away. There’s such a thing as too much compromise.

10/31/2024

Earnest money
This deposit shows the seller that you’re serious. It’s typically 1% of the purchase price, but so much depends on the market you’re in. This is another place where your agent’s experience can be a huge help.

If the seller rejects your offer, you get your money back. If it’s accepted, the seller’s broker will hold the money in escrow until closing.

Address

375 Chestnut Street, Suite 3C
Newark, NJ
07105

Telephone

+19732234229

Website

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