Marissa Knasko - NMLS 1752213 California Loan Associates Inc

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Marissa Knasko - NMLS 1752213 California Loan Associates Inc

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I work with serious California home buyers who want expert guidance and access to multiple lenders for the best rates.

If you're ready to purchase and want a mortgage professional who fights for your interests over a bank's profits, let's talk!

11/02/2026

Think the monthly payment on a $1.2 million California home is just the loan? It's really a stack. Put 20% down and you're borrowing about $960,000, so principal and interest can run over $5,000 a month at today's rates. Then there's property tax, which is roughly 1.25% of the price per year in most of California, about $1,250 a month on this home. Add homeowners insurance, usually a few hundred dollars more. Put less than 20% down and PMI gets added until you build enough equity. I'd rather you see the whole picture before you fall in love with a house. Drop your down payment amount in the comments and I'll walk through what your monthly number could look like. 🏡

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

11/02/2026

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Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/30/2026

Think two paychecks still can't get you a California home? Let's run the numbers first. When you apply together, lenders can often count both incomes, as long as each of you has steady work history, usually around two years. They then compare your monthly debts, like car payments and student loans, to your combined gross pay. That ratio, called debt-to-income, helps shape how much house you can carry. Think of it like weight and balance before takeoff. Find your real monthly payment early, while you still have room to adjust. Save this before you run your own numbers, and drop your biggest question in the comments. I'll answer it. 🏡

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/30/2026

Stop guessing. Start counting. 📊

Every QR code you make shows its scans for the last 30 days, broken down by day, device and approximate area.

Partner with me and see what your print is doing.

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/28/2026

Making six figures and still hearing no from a lender? It happens more than you'd think. Lenders care less about your paycheck and more about what's left after your monthly debts get paid. That comparison is your debt-to-income ratio, and underwriters check it early. If you're self-employed, lenders usually want about two years of tax returns, so the income on those returns is what counts. And every loan program has its own limits on amounts, credit scores, and property rules. A high income can't override those. Before you assume you're in the clear, run the numbers. Comment W-2 or self-employed below and I'll share what usually trips people up. Save this for when you start house hunting. 🏡

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/28/2026

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Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/28/2026

A lower mortgage rate gets your attention. Let’s see if the numbers deserve it. 🏡🔎

Before refinancing, I’ll help you compare closing costs, monthly savings, how long it takes to recover those costs, and the impact of a new loan term.

Let’s make sure your mortgage fits your goals.

DM me for more info or to talk!

Refinancing may increase total financing costs. Savings and eligibility vary.
-Marissa

10/26/2026

Made a few mortgage payments and the balance barely budged? That's normal, and it doesn't mean you're doing it wrong. Early on, most of each payment goes to interest, which is what the lender charges you to borrow. Only a small slice reduces principal, the amount you actually borrowed. The loan is structured that way on purpose. Think of a flight climbing at takeoff: lots of effort goes into gaining altitude, so progress looks slow at first. Each payment shifts a little more toward principal over time. One move many homeowners use is paying extra toward principal when they can, which helps that climb speed up. Save this before your first payment, and drop your loan balance question in the comments. I'm happy to walk through it. 🏡

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/26/2026

Equity = the easiest conversation starter in real estate. 💬

HomeAi shows your past clients what their home is worth and what they could do with that equity, with your name on it.

Partner with me and let the reports do the reminding.

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

10/25/2026

Thinking about renting out the home you just bought? Run the full math before you list it. Comparing rent to your mortgage payment is only part of the picture.

Start with your total monthly cost: principal, interest, taxes, insurance, and HOA dues if you have them. Then add landlord insurance, which usually costs more than a standard homeowners policy. Subtract management fees if you won't handle tenants yourself. Plan for a month or two of vacancy each year, and set money aside for repairs, because something always breaks.

Only then compare that total to the rent. And check your loan terms first. Many loans expect you to live in the home for a while, often about a year.

Think of it like a preflight checklist. Skip a step and you still take off, just with a bumpier ride. ✈️ Save this for later, and drop your rent number in the comments if you want help running it.

Marissa Knasko · NMLS #1752213
California Loan Associates Inc. · NMLS #237581
Equal Housing Opportunity. Not a commitment to lend. Terms subject to change.

Address

Rocklin, CA

Website

https://rocklinmortgagebrokers.com/, https://www.claloans.net/loan-officer/marissa-jean-knasko/testimonials

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