Team Raisa Lending

Team Raisa Lending NMLS 1416438 NMLS 1416438

Company NMLS: 1839243 | CA DBO/CFL Lic: 60DBO-98315 | CA DRE Lic: 02086593 | AZ Lic: MB-1012019

12/30/2025

WHEN SHOULD YOU APPLY FOR A MORTGAGE?

Let's talk timing-not just went to buy a home, but went to actually get your financial game together.

Too many people wait until they find "THE ONE" before they start applying. Then comes the panic - paperwork, flying, credit pools, and decisions made under pressure.

But the smart buyers? They start early. 3 to 6 months before they are ready to move, they are already getting preapproved, organizing their docs, and asking questions. Most people don't think to ask until it's too late. New

Because here's the thing - you can't control mortgage rates, but you can control how prepared you are when the right home shows up.

Don't wait for perfect conditions. Prepare now, and let the market meet you halfway.

Curious when you should start the process? Comment " TIMING" and I'll walk you through your best next step.

11/11/2025

50 Year Mortgage Loan Term? Here is my thought. What do you think it will do to our market? Is it a good idea?

02/24/2025

What is a FICO Score & How Is It Calculated? πŸ€”πŸ’³

Your FICO score is a three-digit number (300-850) that lenders use to determine your creditworthiness. The higher your score, the better your loan terms!

πŸ” Here's what goes into calculating it:
βœ… 35% Payment History – Pay on time! Late payments hurt.
βœ… 30% Credit Utilization – Keep balances low (under 30% of your limit).
βœ… 15% Length of Credit History – The longer, the better.
βœ… 10% New Credit – Too many new accounts can be a red flag.
βœ… 10% Credit Mix – A mix of loans & credit cards is good.

A strong FICO score means better mortgage rates and loan approvals! Want to boost yours? Let’s chat! πŸ“©πŸ‘

🏑✨ Dreaming of Homeownership? Let's Make It Happen in 2025! ✨🏑Hey friends! Do you know someone who's planning to buy a h...
01/01/2025

🏑✨ Dreaming of Homeownership? Let's Make It Happen in 2025! ✨🏑

Hey friends! Do you know someone who's planning to buy a home in 2025? I'm here to turn those dreams into reality! With personalized guidance and expert advice, I'll help them navigate the journey to their perfect home. πŸ πŸ’«

Tag them below or send me a message. Together, we'll make 2025 the year of new beginnings and cherished memories. πŸŒŸπŸ”‘

🏑✨ Ready for your dream home but concerned about your credit score? An FHA loan might be just what you need! Here’s why ...
12/25/2024

🏑✨ Ready for your dream home but concerned about your credit score? An FHA loan might be just what you need! Here’s why first-time buyers love it:

πŸ”Ή **Credit Flexibility:** Qualify with less-than-perfect credit.
πŸ”Ή **Low Down Payment:** Start with just 3.5%.
πŸ”Ή **Assumable Loans:** Transferable to future buyers, adding long-term value.

Your dream home is within reach! πŸ πŸ’–

12/18/2024

Is your home in need of some TLC or do you need to cover unexpected expenses? Your home's equity can be a powerful tool to help you out when you require cash. DM me for more information.

From being part of a community to establishing financial predictability and building equity, buying your home instead of...
12/11/2024

From being part of a community to establishing financial predictability and building equity, buying your home instead of renting can be a great option for creating long-term stability. Take the first step by giving us a call today!

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Roseville, CA
95661

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