Mortgages By Eliz

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Mortgages By Eliz

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Elizabeth Johnston | NMLS 2446640 | CA & TX
Your One-Stop Shop Mortgage Broker. Specializing in NonQM & Traditional Loans.
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Expert in turning 'Nos' into 'Yes' with top-notch customer service. I can help with Purchases, Refis, & HELOCs.

20/10/2026

Renting is cheaper than buying." ... Said no one building equity ever. 📉🏡

Let's be real: trading 100% of your monthly payment for zero equity, surprise lease hikes, and asking a landlord for permission to hang a picture isn't "saving money"—it's paying 100% of your money toward someone else's mortgage.

Wondering if homeownership makes more financial sense for you this year? Stop throwing your hard-earned cash away on rent. DM me or check the info card at the end of this reel to explore first-time home buyer programs and find out if buying is truly within reach! 👇

Elizabeth Johnston | NMLS # 2446640
Four Clover | NMLS # 1585758

[email protected]

08/10/2026

Attention medical professionals: Unlock your homeownership potential! 🔑

Specialized doctor loans are designed specifically for your unique career path and earning potential. That means:

🏥 Up to 100% financing (low-to-no down payment)

🚫 No Private Mortgage Insurance (PMI)

📋 Flexible underwriting that accounts for student debt and future income

Ready to secure your dream home without the traditional lending hurdles? Let’s make it happen.

📲 DM or Comment "DOC" to see if you qualify!

Elizabeth Johnston | NMLS 2446640
Four Clover Homes | NMLS 1585758

24/09/2026

Real estate agents: Are your buyers feeling squeezed by today’s rates? 📉

Instead of fighting for a price cut that only saves pennies on the monthly payment, use your agent credits for a temporary rate buydown. It’s one of the smartest ways to give your clients a massive competitive advantage right now.

Here are 3 reasons to pitch this strategy on your next deal:

1. Lower initial monthly payments. A 2-1 or 1-0 buydown drops your buyer's rate for the first year or two, giving them hundreds of dollars in breathing room right when they need it most (hello, moving expenses!).

2. Maximum buying power. Sellers are often much more willing to offer credits than slash their asking price. Reallocating those credits toward a buydown creates way more monthly savings than an equivalent price drop ever could.

3. A winning offer. Buyers armed with a creative, proactive financing strategy stand out in a competitive market and look unstoppable to listing agents.

Ready to help your clients win big and close with confidence? Send me a DM today and let’s talk numbers! 🤝🏡

Elizabeth Johnston | NMLS 2446640
Four Clover Homes Inc NMLS 1585758

22/09/2026

Stop scrolling thinking you need a 750 credit score to buy a home. The truth is, there’s a lane for almost every score on the board—you just have to know which tier you're ordering from! ☕️🏠

From down payment assistance programs starting at 600+ to conventional options and tier-one pricing, homeownership is way more accessible than most people think.

Do you know your options? Drop your score range in the comments (no exact numbers needed!) or shoot me a DM, and let's map out your game plan together.

Elizabeth Johnston | NMLS 2446640
Four Clover Homes Inc NMLS 1585758

19/09/2026

Check out Krista Ellis latest listing! This home is such a gem and has an this weekend!

Comment “HOME”and i’ll send you all the deets!

So let’s make this your home today!

03/09/2026

Hello! Is this thing on...? 🎙️👀

If you’ve been wanting to start building real wealth through real estate, stop scrolling for a second.

Most people assume that buying a rental property requires endless tax paperwork, W-2s, or massive personal income. But there are specialized programs designed to evaluate the property’s potential cash flow rather than your personal paycheck.

Here is why investors love this option:
🚫 No W-2s or personal tax returns required
💰 As long as the rent covers the mortgage payment, the property does the heavy lifting
🔑 You don’t even need to own a primary residence first to get started

There are specific credit and down payment guidelines to make sure the math works, but it’s a game-changer if you want to scale without the headache of personal income verification.

Drop the word INVEST in the comments below, or send me a message, and my team and I will send over the quick breakdown! 📩

Elizabeth Johnston NMLS 2446640
Four Clover Homes NMLS 1585758

Address

3281 E Guasti Suite 746

91761

Opening Hours

Monday	09:00 - 18:30
Tuesday	09:00 - 18:30
Wednesday	09:00 - 18:30
Thursday	09:00 - 18:30
Friday	09:00 - 18:30
Saturday	09:00 - 17:00

Telephone

+18326838387

Website

https://mortgagesbyeliz.com/

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