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Lamica, Mortgage Loan Officer NMLS 1892185, Walnut Creek, CA (2026)

05/24/2022

🄳🄸🄳 🅈🄾🅄 🄺🄽🄾🅆???
. 𝕥𝕙𝕒𝕥 𝕚𝕥’𝕤 𝕚𝕝𝕝𝕖𝕘𝕒𝕝 𝕥𝕠 𝕡𝕠𝕤𝕥 𝕞𝕠𝕣𝕥𝕘𝕒𝕘𝕖 𝕣𝕒𝕥𝕖𝕤 𝕨𝕙𝕖𝕟 𝕒𝕕𝕧𝕖𝕣𝕥𝕚𝕤𝕚𝕟𝕘 𝕝𝕠𝕒𝕟𝕤 𝕠𝕡𝕥𝕚𝕠𝕟𝕤..

Many companies and websites try to lure in unexperienced home loan seekers with false statements like “FHA home loans 2.5% !” Do not be lured! Rates are based on factors such as current economic market, inflation as well as credit score, debt to income ratio, how you occupy the home and the loan compared to the value of the property.

To compete in this market you need realistic expectations and real time information.

That’s where your trusted mortgage loan officer comes into play (me). 🙋🏾‍♀️”Oh hey!”

I am licensed, certified and equipped to give you the information you seek to help you make the best informed decision whether purchasing or refinancing.

ᴅᴏɴ’ᴛ ᴊᴜꜱᴛ ᴛʀᴜꜱᴛ ꜱᴏᴍᴇ ʀᴏᴜɢʜ ɴᴜᴍʙᴇʀꜱ…ɪɴꜱᴛᴇᴀᴅ, ᴘʟᴀᴄᴇ ʏᴏᴜʀ ᴛʀᴜꜱᴛ ɪɴ ꜱᴏᴍᴇᴏɴᴇ ᴡʜᴏ ʜᴀꜱ ʏᴏᴜʀ ʙᴇꜱᴛ ɪɴᴛᴇʀᴇꜱᴛ, ʙᴏᴛʜ ꜰᴏʀ ʏᴏᴜʀ ʜᴏᴍᴇ ᴀɴᴅ ꜰᴏʀ ʏᴏᴜ ɪɴᴅɪᴠɪᴅᴜᴀʟʟʏ.

YOUGOTTHIS and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸a𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

05/23/2022

Double tap if you made it out of bed!! 💕

Shoutout to my ATL client for waking me up (called me 6am my time lol) and shoutout to Starbs for keeping me up!!

“Its a good day to have a good DAY!”

Scheduling consultations today for questions about home lending click link in bio!

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

05/19/2022

𝕋𝕙𝕖 𝕢𝕦𝕖𝕤𝕥𝕚𝕠𝕟 𝕚𝕤𝕟’𝕥 𝕀𝔽 𝕚𝕥’𝕤 𝕘𝕠𝕚𝕟𝕘 𝕥𝕠 𝕙𝕒𝕡𝕡𝕖𝕟…𝕚𝕥’𝕤 𝕎ℍ𝔼ℕ. 🔜

As a 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻, it’s my job to help my clients make informed decisions. The only way to do this is to come to the table with 𝙝𝙤𝙣𝙚𝙨𝙩𝙮, 𝙖𝙘𝙘𝙪𝙧𝙖𝙩𝙚 𝙞𝙣𝙛𝙤𝙧𝙢𝙖𝙩𝙞𝙤𝙣, 𝙖𝙣𝙙 𝙝𝙤𝙥𝙚.

Clients are always inclined to ask me, “is it really a good time to buy?” My agenda is as simple as my answer. I want to help my clients take the time to find the right home for them at a price they can afford.

ꜱᴏ, ɪꜰ ʏᴏᴜ’ʀᴇ ᴀꜱᴋɪɴɢ ᴛʜᴇ ꜱᴀᴍᴇ Qᴜᴇꜱᴛɪᴏɴ… ᴛʜᴇ ᴀɴꜱᴡᴇʀ ɪꜱ, ᴛʜɪꜱ ᴛɪᴍᴇ ɪꜱ ᴀꜱ ɢᴏᴏᴅ ᴀꜱ ᴀɴʏ! 💯

It is never too late to dream and take steps towards that dream, no matter how small.

𝕎𝕠𝕣𝕜 𝕨𝕚𝕥𝕙 𝕞𝕖, 𝕚𝕥’𝕤 𝕥𝕚𝕞𝕖 𝕥𝕠 𝕣𝕖𝕡𝕝𝕒𝕔𝕖 𝕥𝕙𝕖 𝕤𝕚𝕘𝕟 𝕗𝕣𝕠𝕞 “𝔽𝕠𝕣 𝕊𝕒𝕝𝕖” 𝕥𝕠 “𝕊𝕠𝕝𝕕!” ✅

📞📞📞 Give me a call let’s discuss the best loan options for your home purchase goal.
Let’s get you Pre-Approved‼️

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

05/18/2022

ɪꜱ ɪᴛ ᴊᴜꜱᴛ ᴍᴇ ᴏʀ???? ☀️🍹👙🏝😎

ITS ‼️ We only have to physically be here 2 more days! Well, kind of, in the world of we’re always working!

But I decided to take this Saturday off, where should I go? Drop a suggestion below! ⬇️⬇️⬇️

Fᵣᵢdₐy wᵢₗₗ bₑ ₕₑᵣₑ Sₒₒₙ ₑₙₒᵤgh‼️

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

05/18/2022

ʟᴇᴛ’ꜱ ᴛᴀʟᴋ ᴄʀᴇᴅɪᴛ ʀᴇᴀʟ Qᴜɪᴄᴋ… 😎

It’s important to understand your credit and what contributes where. Lenders rely on credit scores as an indication that a borrower will meet financial obligations. 💳

Your credit score is calculated most often with the FICO scoring model (above) and is derived from the information on your credit reports, which are compiled by credit reporting companies. Your reports include a history of your payment habits with borrowed money.

𝐼 𝓅𝑜𝓈𝓉 𝓉𝒽𝒾𝓈 𝓉𝑜 𝑔𝒾𝓋𝑒 𝓂𝓎 𝒻𝓊𝓉𝓊𝓇𝑒 𝒽𝑜𝓂𝑒𝒷𝓊𝓎𝑒𝓇𝓈 𝐻𝒪𝒫𝐸! 🦋

For an FHA loan, you may be able to have a score as low as 580 making homeownership still very much attainable – and that’s where I step in. 😉

𝕀 𝕔𝕒𝕟 𝕔𝕠𝕒𝕔𝕙 𝕪𝕠𝕦 𝕥𝕙𝕣𝕠𝕦𝕘𝕙 𝕥𝕙𝕖 𝕔𝕣𝕖𝕕𝕚𝕥 𝕡𝕣𝕠𝕔𝕖𝕤𝕤 𝕒𝕟𝕕 𝕒𝕝𝕝 𝕥𝕙𝕒𝕥 𝕟𝕖𝕖𝕕𝕤 𝕥𝕠 𝕓𝕖 𝕕𝕠𝕟𝕖 𝕥𝕠 𝕘𝕖𝕥 𝕪𝕠𝕦 𝕥𝕙𝕖 𝕧𝕖𝕣𝕪 𝕓𝕖𝕤𝕥 𝕣𝕒𝕥𝕖 𝕡𝕠𝕤𝕤𝕚𝕓𝕝𝕖 𝕤𝕠 𝕥𝕙𝕒𝕥 𝕨𝕖 𝕔𝕒𝕟 𝕡𝕣𝕠𝕔𝕖𝕖𝕕 𝕚𝕟 𝕘𝕖𝕥𝕥𝕚𝕟𝕘 𝕪𝕠𝕦 𝕥𝕠 𝕪𝕠𝕦𝕣 𝕘𝕠𝕒𝕝𝕤 𝕒𝕟𝕕 𝕥𝕙𝕖 𝕕𝕣𝕖𝕒𝕞 𝕠𝕗 𝕞𝕒𝕜𝕚𝕟𝕘 𝕒 𝕙𝕠𝕦𝕤𝕖 𝕐𝕆𝕌ℝ 𝕙𝕠𝕞𝕖!!!

📱 Give me a call let’s discuss the best loan options to help you achieve your purchase or refinance goals!

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

05/18/2022

ℙ𝕚𝕔𝕥𝕦𝕣𝕖 𝕥𝕙𝕚𝕤..

A piece of your American dream.

Cooking your favorite meal in your kitchen. 🍷 🥗

Watching your favorite movie in your living room. 🍿

Gardening in your backyard. 🌻

Parking in the driveway of your house.🏡

𝒞𝒶𝓃 𝓎𝑜𝓊 𝓈𝑒𝑒 𝒾𝓉❓

Home owning is still part of the American dream. You too deserve a piece of that dream…you too deserve to be a homeowner.

When talking to my clients, the number one question they ask me is, “How do I get started?” One word…

PRE-APPROVAL! 📩

A pre-approval letter gives you bargaining and negotiation power and can even lead to shorter closing period; getting you into your dream home sooner!

☎️ Give me a call let’s discuss the best loan options to help you achieve your purchase or refinance goals!

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

04/08/2022

Persistence is 🔑

Shoutout to my most courageous client!! After 8 declined offers and an interest rate hike she is now going through closing on what turned out to be her FAVORITE property! 🏠

In this market you need an agent that can assist with creative financing, foolproof pre-approvals and off market listings!!

Connect with the right team and trust the process!!

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional in your corner.

Contact me today to get pre-approved for your home loan or refinance! ☎️☎️☎️

Your trusted loan officer,

Lamica Tevis
(925) 529-3096

NMLS 1892185
Please Share!!

02/02/2022

“Black history is American history, world history, and human history. It should be acknowledged, taught, and celebrated every single day of the year, not just in February.”

February, Black History Month is a wonderful time to acknowledge and celebrate the Black Experience but Black Excellence and Black History is made everyday.. keep that energy 🖤

01/25/2022

𝕎𝕠𝕟𝕕𝕖𝕣𝕚𝕟𝕘 𝕨𝕙𝕚𝕔𝕙 𝕝𝕠𝕒𝕟 𝕚𝕤 𝕣𝕚𝕘𝕙𝕥 𝕗𝕠𝕣 𝕪𝕠𝕦⁉️

ⓈⓌⒾⓅⒺ

I created a guide to simplify the most common home loan options. 🪴

Most buyers will choose between Conventional and FHA ✅

𝐅𝐇𝐀- Most common with first time home buyers more forgiving on credit, lower down payment.

𝐂𝐎𝐍𝐕𝐄𝐍𝐓𝐈𝐎𝐍𝐀𝐋 - Lower rates for borrowers with excellent credit, no limits on income or area, higher down payment.

☎️ Give me a call let’s discuss the best loan options for your home purchase goal.

Let’s get you Pre-Approved‼️

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻

Granting Pre-Approvals one 🏡 at a time‼️

𝘈𝘭𝘭 𝘭𝘰𝘢𝘯𝘴 𝘢𝘳𝘦 𝘴𝘶𝘣𝘫𝘦𝘤𝘵 𝘵𝘰 𝘤𝘳𝘦𝘥𝘪𝘵 𝘢𝘯𝘥 𝘶𝘯𝘥𝘦𝘳𝘸𝘳𝘪𝘵𝘪𝘯𝘨 𝘢𝘱𝘱𝘳𝘰𝘷𝘢𝘭. 𝘊𝘦𝘳𝘵𝘢𝘪𝘯 𝘳𝘦𝘴𝘵𝘳𝘪𝘤𝘵𝘪𝘰𝘯𝘴 𝘢𝘱𝘱𝘭𝘺.

01/20/2022

ℍ𝕠𝕨 𝕥𝕠 𝕚𝕟𝕔𝕣𝕖𝕒𝕤𝕖 𝕪𝕠𝕦𝕣 𝕔𝕣𝕖𝕕𝕚𝕥 𝕤𝕔𝕠𝕣𝕖 ✅✅✅

Credit repair HACK from Mortgage Loan Officer

“Pay your credit cards on the STATEMENT date.. “

He also advises to keep your credit balances below 10%.. If you are not quite below the 10% threshold do your best to stay below 30% this will keep your debt to income ratio low enough to qualify for financing..

Let’s get you Pre-Approved‼️

and 💚💚💚

Lamica, 𝓽𝓱𝓮 𝓜𝓸𝓻𝓽𝓰𝓪𝓰𝓮 𝓛𝓸𝓪𝓷 𝓞𝓯𝓯𝓲𝓬𝓮𝓻🌸

Granting Pre-Approvals one 🏡 at a time‼️

📞📞📞 Schedule your consultation.

Lamica, Mortgage Loan Officer NMLS 1892185

05/24/2022

05/23/2022

05/19/2022

05/18/2022

05/18/2022

05/18/2022

04/08/2022

02/02/2022

01/25/2022

01/20/2022

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