Carly Saltzman West, Senior Loan Advisor at Premier Plus Lending

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United States
Sherman Oaks, CA
Carly Saltzman West, Senior Loan Advisor at Premier Plus Lending

NMLS #1361197

My passion is to assist my clients in achieving their mortgage-related goals while empowering them with information and support so they are best equipped to make decisions about their home financing needs.

11/03/2026

The appraisal world just changed. Is your next listing ready?

As of November 2, every Fannie Mae and Freddie Mac appraisal nationwide uses a brand-new format. It's the biggest shift in appraisals in 20 years, and it affects how homes are measured, rated, and reported.

Agents, this one lands right on your desk. 🏡

The ones who prep their sellers now will have smoother appraisals. The ones who don't may find out the hard way, in escrow. 😬

I put together a simple one-page breakdown of what changed and how to get your clients ready.

📩 Comment "APPRAISAL" or DM me and I'll send it your way!

11/02/2026

📊 Weekly Market Update | Nov 2, 2026

Here's what happened in the market this week, in plain English:

🏦 The Fed hit pause
The Federal Reserve kept its key interest rate at 3.75%–4% after raising it in September. In other words, it's waiting for more data before its next move. (Quick reminder: the Fed doesn't set mortgage rates directly, but its decisions do influence them.)

🛒 Inflation came in as expected
The Fed's favorite inflation measure (PCE) showed prices up 3.6% from a year ago, or 3.1% if you leave out food and gas. Both matched forecasts, but they're still above the Fed's 2% goal.

🏡 New home sales dipped slightly
Sales slipped 0.6% in September, but they still beat expectations. The median new home price was about $400K. That's up from August but still lower than a year ago.

📈 The economy is growing
The U.S. economy grew at a 3.4% pace last quarter, faster than expected, helped by consumer spending and business investment.

👀 What to watch
Friday's jobs report. Hiring trends could shape the Fed's next decision and where mortgage rates go from here.

What does this mean for YOU? Rates are just one piece of the puzzle. Whether you're buying, refinancing, or just curious, I'm happy to walk you through your options, with no pressure. 💬 DM me or tap the link in my bio.

📚 Sources: Federal Reserve, U.S. Bureau of Economic Analysis, U.S. Census Bureau/HUD

11/01/2026

Behind the scenes is where the real work happens. 🏡✨

One of the favorite parts of my career is educating other. I got to spend the morning with the amazing agents at Equity Union Westside, talking shop, swapping stories, and breaking down what's actually happening in the Los Angeles real estate world right now.

Here's the thing: the only constant is change.

Lending guidelines shift, programs change, rates move, and the market keeps everyone on their toes. My job is to make sure my realtor partners are never caught off guard. When they know what's possible, their clients win. 🙌

Educating agents isn't a side project for me. It's a core part of how I run my business and it's one of my favorite parts. Because the best deals don't start at the closing table. They start with relationships built on trust, clear communication, and a team that's in it together to do the best for their client.

For buyers: this means your agent and your lender are already on the same page before you even make an offer which makes the escrow process so much smoother.

For agents: this means you've got a lender in your corner who explains the why, not just the what, and who picks up the phone when you need them.

Thank you, Equity Union Westside, for having me! Let's keep learning, keep growing, and keep closing. 💼🔑

📩 Realtors, want me to come speak to your office? DM me.
🏠 Buying in California? Let's talk strategy before you start shopping.

FirstTimeHomeBuyer

10/31/2026

Private sales come with their own set of moving parts, and having the right mortgage guidance can make all the difference. 🏡

It was a pleasure helping Christopher and his family navigate the financing, stay on track, and make their homeownership goals a reality.

Thank you, Christopher, for the kind words and for trusting me to be part of your family’s journey!

Every transaction is different. Great service never goes out of style. Communication is key! 🔑✨

10/29/2026

Playing devil's advocate this Halloween: stop obsessing over the interest rate. 😈

Chasing the lowest rate can cost you. Buying it down with points, paying higher closing costs, or waiting on the sidelines for rates to drop can all hurt more than they help.

What actually matters:
🔥 A monthly payment that fits your budget AND your lifestyle
🔥 Closing costs that make sense for how long you'll keep the loan
🔥 A plan that works for YOU, not just a number that looks good on a headline

The right loan isn't always the lowest rate. It's the one you can live with comfortably.

Interested in learning more? I'll help find a payment that feels like a treat, not a trick. 😇

📩 DM me or tap the link in bio
🇺🇸🇲🇽 Hablo español

MortgageTips HalloweenReel

10/27/2026

🎃 Market Update: No Tricks, Just the Facts

Fewer homes went under contract. Signed deals dropped about 7% in September. Higher rates have some buyers and sellers waiting it out.

Builders are slowing down. Fewer new homes are being built, so inventory stays tight. That helps keep home values steady.

Rates could get some relief. Uncertainty around the world has investors playing it safe, and that can help push mortgage rates down.

Jobs are holding up, mostly. Not many people are being laid off, but those looking for work are taking longer to find it.

Big week ahead. We'll get updates on home sales, prices, inflation, and the economy, plus the Fed's latest rate decision. All of it could move rates.

The treat: With fewer buyers out there, people who are ready to buy have less competition and more room to negotiate. This could be a great window.

Interested in seeing how much can afford? I'm happy to run numbers and...I don't bite. 🧛‍♀️

Happy Halloween!

MortgageBroker HomeBuyers MortgageRates HousingMarket CaliforniaMortgage HappyHalloween PremierPlusLendin

10/22/2026

Lunch and learn, all about appraisal updates!

A huge thank you to the amazing agents at Equity Union Westside for having me! We had a really amazing lunch and an even better conversation about the biggest appraisal change the industry has seen in 20 years.

Starting November 2, every Fannie Mae and Freddie Mac appraisal nationwide switches to a brand-new format (UAD 3.6). That means:
✔️ More detailed property information required
✔️ Updated standards for measuring square footage
✔️ A new approach to rating property condition
✔️ Greater emphasis on accurate listing details

Now this team is well versed in what to expect and how to prep their sellers before the appraiser ever walks in the door. Honestly, they asked such sharp questions that I learned a few things too. 🙌

Teaching is one of my favorite parts of this job. When agents and lenders are on the same page, deals close smoother and clients win big time.

📩 Want my one-page breakdown of the appraisal changes? Comment "APPRAISAL" below and I'll send it your way! Want me to bring this session to your team? DM me!

LosAngelesRealEstate WestsideLA CaliforniaRealtor MortgageBroker LunchAndLearn RealtorEducation PremierPlusLending

09/28/2026

There’s something really special about having clients come back to you a second time.

I’ve had the privilege of helping this family with their mortgage not once, but twice — and what means even more to me is that our relationship has continued long after each closing.

Getting to know their family, being a resource when questions come up, and being there through different stages of their homeownership journey is one of my favorite parts of what I do.

A mortgage transaction may have a closing date, but the relationships I build don’t end there.

I’m so grateful for their trust, their kind words, and the opportunity to continue being their mortgage resource. Thank you for letting me be part of your journey — twice and counting!

09/28/2026

Seller concessions are becoming the new normal. 🏡

In August, 44.7% of U.S. home sales included a seller concession—up from 42.6% a year earlier. In Los Angeles, that number was even higher at 56.2%. (Redfin⁠)

Credits can help buyers with closing costs, repairs, or even a mortgage-rate buydown—without requiring the seller to simply drop the price.

In today’s market, it’s worth asking: What can we negotiate beyond the purchase price?

08/12/2026

The Mortgage Hack More Families Should Know

Did you know a child may be able to purchase a home for their parent—and have it qualify as an owner-occupied primary residence?

Under Fannie Mae guidelines, there are situations where a child can purchase a home for a parent who is unable to qualify for the mortgage on their own.

Why does this matter?

Primary residence financing can offer significantly better terms than financing an investment property—including potentially a lower interest rate, lower down payment requirements, and more favorable loan options.

Instead of automatically assuming, “I would have to buy an investment property for mom to live in,” there may be another option.

The key is making sure the transaction meets Fannie Mae’s specific occupancy and borrower requirements—this is NOT a loophole that applies to every parent/child scenario.

💡 This is exactly why understanding the guidelines matters. The right loan structure can potentially save a family thousands of dollars over the life of a mortgage.

Know someone trying to help a parent buy a home? Send them this Reel or comment MOM and I'll send you a message.

Address

13412 Ventura Boulevard #220
Sherman Oaks, CA
91423

Website

http://applywithcarly.com/

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