Shelby Patrias - Guaranteed Rate

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United States
Turlock, CA
Shelby Patrias - Guaranteed Rate

NMLS # 1668729
💼 Mortgage Loan Originator
💡 Expert guidance for your mortgage needs
📲 Make your homeownership dreams a reality! 🏡

07/31/2026

✨ Exciting News! ✨

I'm excited to share that I've joined Guaranteed Rate/ Pulido Group!

New Company. New Opportunities. Same Great Service.

While my company name has changed, my commitment to my clients, referral partners, and our community remains exactly the same. I'm still here to provide honest guidance, clear communication, and a smooth mortgage experience from start to finish.

Whether you're buying your first home, moving up, investing, or refinancing, I'm here to help you find the financing solution that fits your goals.

Thank you to everyone who has trusted me with one of life's biggest milestones. Your support means the world to me, and I'm excited for this next chapter!

📞 209-535-7193
📧 [email protected]
🌐 Rate.com/ShelbyPatrias

02/05/2026

I would lik to give a big Thank You to my awesome referral partners and repeat clients. Thank you for trusting me and supporting my business—it truly means so much. Love what I get to do because of you!

01/28/2026

Nothing makes me happier than helping clients feel confident and supported from start to finish 🏡🤍 Congratulations on your new home!

07/30/2025

I got this thoughtful message from a past client and it completely made my day 🤍

I always say I have the best clients, and it’s moments like these that remind me why I love what I do. Helping people get pre-approved and take the next step toward homeownership is incredibly rewarding—and your kind words mean the world!

Thank you to all my amazing clients for your trust and support. You’re truly the best! 💛🏡😎

07/21/2025

🏡💡 Mortgage Myth Busted: You don’t always need 20% down!

Many buyers put off homeownership because they think they need a huge down payment. The truth?
✅ Conventional loans can start as low as 3% down
✅ FHA loans often allow 3.5% down
✅ VA and USDA loans can offer zero down options for those who qualify

Every situation is different — and that’s why it helps to talk to a lender early. I’m always happy to explain what programs might fit your goals (no obligation, of course!)

Shelby Patrias
209.535.7193

07/04/2025

Happy 4th of July! ❤️🤍💙

Wishing you a day filled with patriotism, pride, and freedom as we celebrate the birth of our great nation.
Enjoy the fireworks, family, and festivities — and don’t forget what this day is all about! 🎆

07/03/2025

🏡 What Is Home Equity? Home equity is the difference between what your home is worth and what you still owe on your mortgage.

Home Value – Loan Balance = Your Equity

📉 Is It Really That Simple? On paper—yes. But in practice, there are a few things to keep in mind.

➡️ If you sell your home, your equity might be reduced by:
• Accrued interest
• Unpaid taxes
• Closing fees
• Agent commissions

And if your profit exceeds $500,000 (for married couples filing jointly), you could owe capital gains taxes, too.

🔍 How Do You Find Out How Much Equity You Have?
Start with your mortgage balance (you’ll find this on your monthly statement). Then you’ll need a home value estimate. Zillow and similar sites can help—but they're not always reliable.

✅ The most accurate value? That comes from the market—a buyer willing to pay. But we can help you get close! We may be able to pull an AVM (Automated Valuation Model) to give you a realistic value range.

💰 Thinking about borrowing against your equity?
There’s usually a limit to how much you can access, and depending on the loan type, additional fees may apply.

📩 DM/Call/Text me if you're curious about your equity—we can run the numbers and help you explore your options!

Shelby Patrias
209.535.7193
NMLS #1668729

Address

303 E Main Street
Turlock, CA
95380

Website

https://www.rate.com/loan-officers/shelby-patrias-1668729

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