Michelle Shaman - NMLS 289245

Michelle Shaman - NMLS 289245 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Michelle Shaman - NMLS 289245, Mortgage brokers, San Ramon, CA.

If part of your income comes from overtime or bonuses, it may still count toward a mortgage.The key isn't just how much ...
08/27/2026

If part of your income comes from overtime or bonuses, it may still count toward a mortgage.

The key isn't just how much you earn. Lenders also look for consistency and documentation during the approval process.

Read the full breakdown at pmrloans.com.
https://myoc.io/MtnBayTeam

Hold off on big purchases until after closing.It can be tempting to start buying furniture or making big financial moves...
08/25/2026

Hold off on big purchases until after closing.

It can be tempting to start buying furniture or making big financial moves once a home is under contract. But large purchases before closing can affect your debt-to-income ratio and potentially impact your loan.

Holding off until after the keys are in hand is the safer move.
https://myoc.io/MtnBayTeam

When your whole team works their butt off to make sure all loans close on time during a very busy month and one special,...
08/23/2026

When your whole team works their butt off to make sure all loans close on time during a very busy month and one special, Realtor asked you to make a video so she can Thank you. Feeling blessed to work with the people that I work with.

It's a common assumption that you have to sell before you can buy. In reality, the order of those steps depends on a num...
08/20/2026

It's a common assumption that you have to sell before you can buy. In reality, the order of those steps depends on a number of factors, including your financial situation, local market conditions, and timing goals.

There are options worth exploring before assuming one path is the only one available.
https://myoc.io/MtnBayTeam

That feeling when you relax in a space that's all yours.No roommates, no landlord, no rules about what goes where. Just ...
08/18/2026

That feeling when you relax in a space that's all yours.

No roommates, no landlord, no rules about what goes where. Just your space, exactly the way you want it.
https://myoc.io/MtnBayTeam

A payment that stays the same makes planning ahead a little easier.One of the quieter benefits of a fixed-rate mortgage ...
08/13/2026

A payment that stays the same makes planning ahead a little easier.

One of the quieter benefits of a fixed-rate mortgage is knowing exactly what to expect each month.

No surprises, no adjustments. Just a consistent payment that makes it easier to plan for what's ahead.
https://myoc.io/MtnBayTeam

Basement or attic. If you could finish one out and make it your own, which would you choose?Drop your pick in the commen...
08/11/2026

Basement or attic. If you could finish one out and make it your own, which would you choose?

Drop your pick in the comments.
https://myoc.io/MtnBayTeam

Back-to-school season has a way of making you rethink how your home is set up.A dedicated spot to focus, spread out, and...
08/06/2026

Back-to-school season has a way of making you rethink how your home is set up.

A dedicated spot to focus, spread out, and get things done can make the whole school year feel a little more manageable for everyone in the house.
https://myoc.io/MtnBayTeam

Craft room or home office. If you had the extra space, which would you choose? Drop your pick in the comments.
08/04/2026

Craft room or home office. If you had the extra space, which would you choose? Drop your pick in the comments.

That feeling when your loan is approved.All the paperwork, the waiting, the back and forth. And then it's done. Everythi...
07/31/2026

That feeling when your loan is approved.

All the paperwork, the waiting, the back and forth. And then it's done. Everything that comes next suddenly feels a lot more real.
https://myoc.io/MtnBayTeam

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San Ramon, CA

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