Robert Portal NMLS 2141143

Robert Portal NMLS 2141143 I educate first time home buyers and investors, without jargon, so they make informed decisions about homeownership.

This number can disqualify you before a lender even looks at your credit score.Debt-to-income ratio (DTI) is how lenders...
05/13/2026

This number can disqualify you before a lender even looks at your credit score.

Debt-to-income ratio (DTI) is how lenders measure risk. Keep it under 45% though under 36% is ideal.

Save this and check your own DTI before you apply.

Eileen Wang was the mayor of Arcadia. Yesterday, the Department of Justice announced she has agreed to plead guilty to a...
05/12/2026

Eileen Wang was the mayor of Arcadia.

Yesterday, the Department of Justice announced she has agreed to plead guilty to acting as an illegal agent of a foreign government.

She and an associate ran a website that looked like a local news source for the Chinese American community. But according to federal prosecutors, the content was being written and directed by Chinese government officials and pushed out through that site without anyone knowing.

She faces up to 10 years in federal prison. She resigned the same morning the charges were made public.

05/12/2026

I will buy your rate down for the first 12 months!

Share this video with buyers that are waiting on the fence for rates to come down as this way ease their way in to the market.

Or if you have a listing that’s not moving fast enough, use this as an incentive to bring buyers in.

We will upfront the cost.

NAR just dropped their April report today. And here is what it says.Home sales went up just 0.2% last month. That is bas...
05/11/2026

NAR just dropped their April report today. And here is what it says.

Home sales went up just 0.2% last month. That is basically nothing. And compared to last year, sales are completely flat.

The reason is pretty straightforward. There just are not enough homes for sale. People who bought homes when rates were at 3% do not want to sell and take on a new mortgage at 6%. So they are staying put. And buyers are running out of options.

But here is where it gets interesting.

New construction is taking off. New home sales jumped 7.4% in just one month. And here is the kicker: the median price of a brand new home is actually $30,000 less than the median price of an existing home right now. Builders are also cutting prices and offering rate buydowns to get buyers in the door.

On top of that, mortgage rates are lower than they were a year ago, wages are going up, and housing affordability is improving across the country.

So is this a bad market? Not if you know where to look.

California just told homeowners in fire-prone areas what they can and cannot plant in their own yards. And the price tag...
05/04/2026

California just told homeowners in fire-prone areas what they can and cannot plant in their own yards. And the price tag is raising some serious eyebrows.

The state calls it Zone Zero. A 5-foot buffer around your home where landscaping is now regulated. Nothing within 1 foot of the structure. Low plants only in the rest of the zone.

Noncombustible fencing only. The state says compliance will cost some homeowners over $4,500. But real people getting real quotes are coming back with numbers closer to $13,000.

And here is the kicker. Even if you follow every single state rule, your insurance company can still require you to go further or they will drop your coverage entirely.

So who is actually in charge here, the state or the insurance industry?

If you own property in a high fire-risk area of California, this affects your home value, your insurance, and your financing.

Home prices just grew at the slowest pace since 2023. Only 0.7% nationwide over the past year.And for the ninth month in...
04/28/2026

Home prices just grew at the slowest pace since 2023. Only 0.7% nationwide over the past year.

And for the ninth month in a row, inflation outpaced that growth. Meaning in real terms, home values actually went down.

More than half of the major cities in this report saw prices drop year over year. Denver is now the weakest market in the country.

But Chicago, New York, and Cleveland are still growing strong.

Did you know that your credit score doesn’t just get you approved? It decides how much you pay every month.For example -...
04/23/2026

Did you know that your credit score doesn’t just get you approved?

It decides how much you pay every month.

For example - A 100-point difference can cost you $54,000 over the life of a loan.

Know your number. Then make a plan.

Here is what is happening. The conflict with Iran has disrupted global oil supplies, and that ripple effect is being fel...
04/22/2026

Here is what is happening. The conflict with Iran has disrupted global oil supplies, and that ripple effect is being felt everywhere. Gas prices are up. Everyday products made from petroleum like clothing, shoes, and food packaging are getting more expensive. And mortgage rates, which had just dipped below 6% for the first time in years, shot back up to around 6.5% almost immediately after the war began.

On a $450,000 home, that rate increase alone costs buyers more than $33,000 over the life of the loan compared to locking in just a month ago.

Mortgage applications have dropped over 10% in a single week. Buyers are pulling back. And the spring housing market that everyone expected to be a turning point is now facing serious headwinds.

Here is the truth though: rates are still lower than they were a year ago, and inventory is better than it has been in years.

There is opportunity here, but timing and preparation matter more than ever.

Hi I’m Robert, welcome to my page! I wanted to properly introduce myself and tell you some things about myself. 👋🏻1. I w...
02/26/2024

Hi I’m Robert, welcome to my page!
I wanted to properly introduce myself and tell you some things about myself. 👋🏻

1. I was born and raised in Peru. I moved stateside to when I was 15. (Yes, I’m fluent in Spanish)

2. Married for 3 years, father of 2 beautiful children.

3. I own 2 short term rentals and 4 long term rentals.

4. I love to play soccer in my free time.

5. I used to be in clothing manufacturing before I got into real estate. I would go back and forth to Peru for months at a time and then come back.

Thank you for following along whether you are a past or future home buyer I appreciate you and am looking forward to working with you! Educating you on mortgages and home buying is important and I’m always here to answer any questions you may have.

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If you don’t know where to begin when looking to buy a home, here’s what I’d recommend! Speaking to a mortgage lender fi...
02/09/2024

If you don’t know where to begin when looking to buy a home, here’s what I’d recommend! Speaking to a mortgage lender first will help you get pre-approved and know what price point you qualify for. 🏠💻

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Address

Tustin, CA

Telephone

+14246669267

Website

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