Daniel Santos - Loan Officer

04/10/2025

Here’s to the ones who shared your toys, your secrets, and maybe even your Netflix password. Happy

04/08/2025

Want to buy your first house this year, but don't have much saved? No problem. CalHFA is a great program that offers down payment and closing cost assistance to help make homeownership possible for you.

Now is great time to find out how much you can qualify for with this program and see if this is your year to become a home owner. DM me to get started or you can call or text me at 209-622-8228.

04/07/2025

There’s something deeply human about the longing for a place to call your own. Helping people find that place is what drives me every day. Let me help you finance the purchase of your home.

03/21/2025

Doing a few things every month helps keep your home in tip-top shape!

03/20/2025

Springing into the season when flowers bloom and the housing market begins to boom.

03/18/2025

When determining how much home you can afford, there are two things to consider. 🏠

1. How much you can qualify for with a mortgage lender. This takes into account your gross monthly income, other debt and monthly obligations, assets, credit score, and ability to repay your mortgage.

2. What monthly payment you feel comfortable making, taking into account your other obligations, lifestyle, and expenses tied to homeownership.

These two things don’t always align, so it’s important to get a look at how homeownership will pencil out for you—which is what I can help you with.

To connect, send me a DM and I'll get you on the path to homeownership!

- Daniel Santos, Loan Officer in Turlock serving Stanislaus County

03/09/2025

Time to spring forward! ⏰

Daylight savings time is finally here! Longer days mean more time to chase your dreams—whether that’s finding your perfect home or making moves toward homeownership. 🏠

Need help with the next step? I've got you covered. Comment "Help" below and I'll get in contact with you. 😊

03/06/2025

Market Update Alert!

Interest rates, inflation, and the economy—what’s happening right now? Get the latest insights from APM Consulting Economist Elliot Eisenberg, the Bowtie Economist, as he breaks it down in this month’s market update.

Watch now to stay informed!

Elliot Eisenberg, Chief Consulting Economist to American Pacific Mortgage, is here with your March 2025, market update. Elliot discusses the economy and inte...

02/26/2025

Saving on bills AND saving the planet? That’s a win-win! Which energy-efficient feature is at the top of your wish list—A) Solar Panels, B) Windows, C) Smart Home Tech, or D) Tankless Water Heater? Let us know in the comments!

02/22/2025

Dreaming of owning your first home but worried about the down payment? You may have more options than you think!

There are many programs available to help make homeownership more accessible, including community lending programs that offer up to 100% financing in select urban and rural areas.

Additionally, there are programs with down payment requirements as low as 3% to 3.5% that can be combined with down payment assistance, effectively creating a no-money-down scenario and making homeownership more accessible.