Manny Cien

03/09/2023

FHA reduces mortgage insurance premium, helping borrowers.

02/23/2023

Here is a great article with insight to what will help keep your credit scores high. As a 20-year Sr. Mortgage Loan Officer, I know that your credit score can have huge financial implications. They don't teach about credit in school, so most people are left to learn by trial and error. They say, "Knowledge is power", so the more you know about how credit scores work, the better prepared you will be to make smart credit decisions. Of course, if you ever have any questions, you can always call, text or message me.

Your credit score is more important than ever these days, saving you countless dollars on your credit card rates, mortgage, auto and student loans, and even insurance or getting your dream job. And U.S. consumers have done a relatively good job maintain scores lately, as the average FICO reached

02/17/2023

The answer to my most asked question!

02/08/2023

Prequal vs. Pre-approval. Which do you need?

01/27/2023

Sell and transfer your tax base. Prop 19 explained!

01/10/2023

I did a short video on this a couple weeks ago. Since the market has shifted, I am seeing more buyers request a credit from the seller to either buy down the rate permanently, or do a temporary buy down. This is a great way to purchase a home now that prices have come down, while still getting a much better interest rate. This is something that can really make buying now a great opportunity! Message, call or text me if you have questions or want to discuss this in more detail.

Here's how they work.

12/21/2022

There are many reasons 2 years ago I chose to work for a broker, and specifically Arbor Financial, instead of a mortgage bank or regular bank/credit union. One of the most important is better rates and loan options. I knew that if I could offer my clients amazing service and exceptional rates it would be a winning combination for the clients, the Realtors and myself.

12/20/2022

This is a great article of two contrasting opinions on where the economy may be headed. Both opinions provide some educational detail on the key factors that will impact our economic future.

The case for (and against) expecting a bad recession in 2023.

12/19/2022

Great time to purchase a home with an interest rate buy down!

07/28/2022

Why a HELOC?
Today, with the market increase over the past few years, people have equity that they may want to tap into. The challenge is that they probably refinanced over the last few years when rates were low. If they did a new cash out refinance, since rates have increased, they would lose the low rate that they have on their current mortgage. In most cases, this option only makes sense if they would be paying off high interest credit card debt to bring their overall monthly debt obligation down, or they would be removing mortgage insurance from their current loan. So, what would someone do if they had a great interest rate on their current loan, but still needed to access their equity to fund a remodel/home repairs, college tuition, pay off debt, or get the house ready to sell prior to listing? A Home Equity Line of Credit (HELOC) may be the answer. If you are in this situation, where you currently have a great 1st loan, but want to access some of your equity, please give me a call (619-277-3431) to discuss if a HELOC is a good option.

07/20/2022

https://www.barrons.com/articles/irs-taxes-portability-law-51658267415

Ultrawealthy families with millions of dollars to leave behind as inheritances will save a lot on taxes.

07/07/2022

Saving for a down payment and closing costs can be a challenge that is limiting to a lot of people. The good news is I currently have
a program available through one of the lenders I work with, that may actually help some people. It is a $25,000 credit towards closing costs with no first time homebuyer requirement! If you are looking to buy a home in the future or you are an agent that has a client that is holding off because they are short on funds, give me a call to see if this program may work for you. See the flyer below for some of the bullet points regarding the program.