Joe Fernandez at Rate, NMLS #260746

04/29/2025

Approved! Closed! Results! The sellers on this property located in Bakersfield wanted a 21-day close due to them moving to a different city and I got it done in 17 days. It's safe to say both the buyer and sellers were extremely happy! #3%down

http://rate.com/joefernandez

04/24/2025

I funded and closed this loan for a repeat investor client with no income or employment verification! Call me today to fund your next investment property!

http://rate.com/joefernandez

03/15/2025

Fund your retirement lifestyle without depleting your savings or life insurance. A reverse mortgage can put money in your pocket by tapping into your home equity. Want to learn more? Reach out today.

https://www.rate.com/hecm-reverse-mortgage?LOID=37203

03/14/2025

Property investing is a great way to build passive income - and our diverse loan products are tailored to fit every investor, providing the flexibility for long-term success.

http://rate.com/joefernandez

03/13/2025

Most people think they have to spend $78,000 out-of-pocket to renovate their kitchen. Most people haven’t heard of a Reno Loan. The best way to finance a kitchen remodel for only $391 per month added to your monthly mortgage payment. At Guaranteed Rate, our Reno Loan gets the home AND the renovations, all in one single mortgage payment. Contact me today to learn more.

https://www.rate.com/home-loans/renovation?LOID=37203

03/13/2025

Is your job causing bumps in the road on your homebuying journey? Consider a Non-Qualified Mortgage (Non-QM), which allows creditworthy borrowers to make the most of their unconventional income streams. This could mean making the best use of your self-employment income or adding proceeds from a side hustle, gig work or serving job to your overall income to maximize what you could qualify for. To explore your options, reach out today!

http://rate.com/joefernandez

03/12/2025

03/12/2025

Have you heard of a renovation loan? Forget searching far and wide for your dream home, make it happen, in your exact style, all while spreading payments for renovations projects of your choosing into your monthly mortgage payment. How? With a renovation loan from Rate.

03/11/2025

Saving for a down payment on a home can feel overwhelming. But you may be
able to put less down than you think.

http://rate.com/joefernandez

03/05/2025

Make sure you know what you’re talking about when making the biggest financial decision of your life. Our homebuying term glossary has all the lingo you’ll come across during your homebuying journey.

https://www.rate.com/resources/acronyms-to-know-when-buying-a-home?LOID=37203