Jose Salazar - Mortgage & Homes

Jose Salazar - Mortgage & Homes Helping SoCal families & investors achieve their real estate & mortgage goals. Serving LA, OC, SB & Riverside counties. Let’s connect!

🏡 **SELF-EMPLOYED? / ¿TRABAJAS POR CUENTA PROPIA?**You may qualify for a home loan using **bank statements instead of tr...
08/25/2026

🏡 **SELF-EMPLOYED? / ¿TRABAJAS POR CUENTA PROPIA?**

You may qualify for a home loan using **bank statements instead of traditional income documentation.**

Serving homebuyers and business owners in California. **Let’s see what you qualify for!**

**Español**
Podrías calificar para un préstamo hipotecario utilizando **tus estados de cuenta bancarios en lugar de la documentación tradicional de ingresos.**

Sirviendo a compradores y propietarios de negocios en California. **¡Hablemos sobre sus opciones!**

APPLY TODAY / SOLICITE HOY: https://bit.ly/My1003App

📲 Jose R. Salazar | NMLS #2239012
(626) 617-5134 | [email protected]

10/13/2025

Don’t make these mistakes 👇

A recent study shows nearly half of new homeowners wish they did something differently.

Here are the top regrets — and how I help my clients avoid them:

1️⃣ Surprise / hidden costs
We budget beyond the down payment. Maintenance, insurance, HOA dues — we plan for the full picture, not just the monthly principal & interest.

2️⃣ Buying too small
Your mortgage should fit your future too. If you’re expecting life changes (kids, job, caring for parents), we’ll build that into the plan.

3️⃣ Monthly payment pressure
I always encourage clients to test-drive their future mortgage:
→ Save the estimated payment for 2–3 months.
→ See how your lifestyle feels.
→ Adjust before locking into a loan.

Here’s the good news:

Most buyers don’t regret buying — they regret not being better prepared.

That’s where I come in 💡
Let’s build your homebuying plan with strategy, not guesswork.

Tag someone who needs to hear this ‼️

Start your journey here: https://buyerprequalify.com/jsalazar

-Jose R. Salazar
NMLS #: 2239012
CA DRE #: 01919374
Direct: 626.617.5134

10/10/2025

Last week, a homeowner in West Covina said:
“I’ll refinance when rates drop 1%—otherwise it’s not worth it.”

Truth is, that’s a common myth. The idea that you need a full percent drop for it to make sense isn’t always true.

Here’s the math 👇
A 1% drop in rate equals about:
💵 $67 less per month per $100k borrowed.
So a $300k loan saves about $201/mo.
A $600k loan saves about $402/mo.

Even “small” drops add up fast—especially over years.

What most people don’t realize:

✅ You can often refinance with $0 due at closing
✅ You skip up to 2 mortgage payments
✅ The real decision isn’t just the rate—it’s your loan balance, term, and how long you plan to stay in the home.

Comment RATE and I’ll run a free savings analysis for you. All I need is your most recent mortgage statement—it’s that simple.

Let’s Start Here: https://homequityreport.com/jsalazar

-Jose Salazar
NMLS #: 2239012
CA DRE #: 01919374
Direct: 626.617.5134

Address

West Covina, CA
91790

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 6:30pm
Saturday 10am - 3:30pm
Sunday 10am - 3:30pm

Telephone

+16266175134

Website

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