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Vanessa Schwartz - Arbor Financial Group

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United States
Santa Ana, CA
Vanessa Schwartz - Arbor Financial Group

Lending Executive · 25 Years in the Mortgage Industry
Old-school care with new-school tech. NMLS 234389

10/30/2026

Buy a bigger home without selling your first one? This couple did.

They had a wedding coming up, a baby on the way, and a dog with no backyard. Their studio was full.

So they kept it. They found great renters for the studio, and we used that rental income to help them qualify for the next home.

Mom helped too. She borrowed against another property for the down payment and joined the loan without moving in.

Now they have room to bring their baby home.

Buying a home can be a family affair these days. If you're wondering what's possible for your family, send me a message and we'll look at your options together.

Vanessa Schwartz | NMLS 234389 | DRE 01398897
Subject to loan eligibility and approval.

10/19/2026

A lot of people still think a reverse mortgage is a last resort. Not anymore.

If you or your parents are thinking about moving in retirement, a reverse mortgage for purchase can help you buy the home you actually want, keep more of your savings, and skip the monthly mortgage payment.

If you have questions, I'm always happy to talk it through.

Borrowers must still pay property taxes and homeowners insurance and maintain the home.

Vanessa Schwartz | The Schwartz Group
NMLS 234389

10/14/2026

A lot of people I know are waiting for rates to come down before they buy.

Here's something most buyers don't know they can ask for: a seller-paid buydown. The seller pays to lower your rate for the first couple of years, so your monthly payment starts lower.

Timing matters. Ask too late and the seller may say no.

If you or someone you love is thinking about buying, send me a message with "BUYDOWN" and I'll walk you through it.

Vanessa Schwartz | The Schwartz Group | NMLS 234389 | DRE 01398897 | Equal Housing Opportunity. Not a commitment to lend. Subject to underwriting and seller agreement.

10/07/2026

Rates dipped a little this week. Not a reason to panic. Not a reason to rush.

If you're shopping right now, ask about a seller-paid buydown. It's one of the quietest ways to lower your rate, and with buyers holding more leverage, it's worth asking.

Pour another glass. I'll be here when you're ready.

NMLS 234389

10/05/2026

If you heard "rate hike" this week and your stomach dropped, you're not alone. Here's my quick weekly market update.

A few things worth knowing:

The Fed rate is not your mortgage rate. They're related, but they don't move in lockstep.

Oil prices are in focus with tensions involving Iran, and higher oil can nudge mortgage rates up.

New home sales rose 6.4% in August. The median price fell 5.8% from last year, mostly because more lower-priced homes sold. Not because every home lost value.

If you or someone you love is thinking about buying, I'm always happy to talk it through.

Vanessa Schwartz | NMLS 234389

09/30/2026

Some buyers need a year and a half to find the right home. That's okay.

This young family needed to sell their condo before they could buy. Their parents helped with the down payment. Then they waited for the right house.

Along the way, we updated their pre-approval five or six times. Each update is small, but when you're tired of looking, even small things feel heavy. So I stayed close and kept it simple.

When the right house finally came up, we closed in 21 days.

Thank you, trusted agent, for trusting me with your clients. Buyers like this family need a patient team, and you were one.

If you're an agent or planner with a client whose search is taking longer than expected, I'm happy to help. My team sends updates at every milestone, so you always know where things stand.

09/29/2026

Twenty years renting the same duplex. Then the owner offered to sell.

My client had seven million dollars in assets between him and his brother, and the bank still said no. The brother wasn't at retirement age, so those assets couldn't be used to qualify.

Tyler and Steve at TSG Wealth Management didn't accept that answer. They brought me in, and we structured the loan with the brother as a non-occupant co-borrower.

Our client closed on the first home he's ever owned.

This is the part of my work I love most. When a planner and a lender work the problem together, a no often isn't the final answer. If you have a client stuck on one, I'd welcome the conversation.

Vanessa Schwartz | NMLS 234389

09/18/2026

Rates moved again this week.

Jan did not move.

She finished her set, poured more lemonade, and kept playing — because a quarter point was never going to change her plan.

If you're buying right now, worth knowing: rates on new loans actually dipped a little. Small win, but a real one.

Be like Jan.

Questions about what this means for your loan? Send me a DM.

Address

Santa Ana, CA
92705

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://whyvanessaschwartz.com/

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