Raul Rosado - Allianze Mortgage Services, 15820 Whittier Boulevard Ste G, Whittier, CA (2026)

06/03/2026

June is National Homeownership Month! 🏡
Did you know that owning a home is one of the most powerful ways to build long-term wealth and financial stability?
Whether you're a first-time buyer, returning homeowner, veteran, or real estate investor, there are loan programs available that may help you achieve your homeownership goals.
✅ Down Payment Assistance Available
✅ FHA, VA, USDA & Conventional Loans
✅ First-Time Homebuyer Programs
✅ Investment Property Financing
✅ Refinancing Options
Ready to explore your options? Let's create a plan to help you become a homeowner.
📞 Raul Rosado | Sr. Mortgage Loan Originator
NMLS #1614197 | DRE #01814066
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06/03/2026

🇺🇸 VA LOAN SPOTLIGHT – SERVING THOSE WHO SERVED 🇺🇸

Veterans, Active Duty Military, and Eligible Surviving Spouses — homeownership may be closer than you think!

✅ 100% Financing Available (No Down Payment Required)
✅ Minimum 580 FICO Score for Purchase & Rate/Term Refinances
✅ VA IRRRL Streamline Refinance up to 110% LTV/CLTV
✅ Cash-Out Refinance up to 90% LTV
✅ DTI Ratios up to 65% with AUS Approval
✅ Manual Underwriting Available
✅ High Balance Loan Amounts Available
✅ Finance 1-4 Unit Properties
✅ Eligible for Condos & Manufactured Homes
✅ Fixed & Adjustable Rate Mortgage Options

Whether you're purchasing your first home, refinancing for a lower payment, or accessing your home's equity, VA financing remains one of the most powerful mortgage benefits available today.

🎖️ You served our country. Let us serve you.

📲 Call/Text Raul Rosado
📞 (949) 436-5031
📧 [email protected]

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Not all borrowers will qualify. Program guidelines, credit approval, income verification, and property eligibility requirements apply. Equal Housing Opportunity. NMLS 1614197 | DRE 01814066

06/03/2026

Mortgage Rates Edge Lower as Markets Stay Calm – June 3, 2026

30-Year Fixed: 6.57% ⬇️
FHA: 6.11% ⬇️
VA: 6.13% ⬇️
10-Year Treasury: 4.48%

Small rate improvements can make a big difference in your monthly payment. Let's review your options today. RaulYourLender HomeBuyer Refinance FHA VAHomeLoan

06/02/2026

🎙️ Mortgage Minute – June 2, 2026

Good morning! This is Raul Rosado with Allianze Mortgage Services, and here's your Mortgage Minute for June 2nd, 2026.

📉 The 10-Year Treasury Yield is sitting at 4.451%, down slightly from yesterday. While Treasury yields improved, mortgage rates are still experiencing a small pullback after last week's rally.

🏡 Current national average mortgage rates:

30-Year Fixed: 6.60%

15-Year Fixed: 6.10%

FHA 30-Year Fixed: 6.15%

VA 30-Year Fixed: 6.17%

7/6 SOFR ARM: 6.14%

Jumbo 30-Year Fixed: 6.70%

📊 Mortgage rates moved slightly higher yesterday, but they're still hovering near some of the lowest levels we've seen since mid-May. For buyers, this means affordability remains relatively stable. For homeowners considering a refinance, it may be worth reviewing your options while rates remain below recent highs.

✅ First-Time Home Buyers ✅ FHA & VA Financing ✅ Down Payment Assistance Programs ✅ Conventional & Jumbo Loans ✅ Investment Property Financing ✅ HELOC & Cash-Out Refinance Options

If you're wondering what you qualify for or how much home you can afford, let's run the numbers.

📞 Raul Rosado
Sr. Mortgage Loan Originator
NMLS #1614197 | DRE #01814066
📱 (949) 436-5031

"Don't wait for rates to be perfect. Make sure your strategy is."

FirstTimeHomeBuyer FHA VAHomeLoan Refinance RealEstate AllianzeMortgage RaulRosado HomeOwnership MortgageNews June2026

06/01/2026

Mortgage Minute – June 1, 2026
Good morning, this is Raul Rosado with Allianze Mortgage Services, and here's your Mortgage Minute for June 1st, 2026.
Mortgage rates are starting the new month on a positive note. The 10-Year Treasury is trading around 4.50%, down from recent highs, helping mortgage rates improve over the past several days.
Current national average rates are approximately:
30-Year Fixed: 6.56%
FHA 30-Year Fixed: 6.10%
VA 30-Year Fixed: 6.12%
7/6 SOFR ARM: 6.06%
15-Year Fixed: 6.09%
Jumbo Loans: 6.68%
The biggest story right now is that mortgage rates ended last week lower, creating new opportunities for:
✅ First-Time Homebuyers
✅ Move-Up Buyers
✅ FHA & VA Borrowers
✅ Investors Using DSCR Loans
✅ Homeowners Looking to Refinance
If you've been waiting for rates to improve before purchasing or refinancing, now is a great time to review your options and create a game plan before the summer market heats up.
I'm Raul Rosado, Sr. Mortgage Loan Originator with Allianze Mortgage Services.
📞 (949) 436-5031
📧 [email protected]
Helping buyers, homeowners, investors, and Realtors navigate today's market with confidence.
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05/30/2026

🏡 JUST LISTED IN NORTHWEST DOWNEY! 🏡

📍 8062 Otto St, Downey, CA 90240

✨ 5 Bedrooms
✨ 2 Bathrooms
✨ 2,445 Sq. Ft. Living Area
✨ Large 0.26 Acre Lot
✨ Quiet Cul-de-Sac Location
✨ Prime Northwest Downey Neighborhood

This spacious North Downey home offers incredible potential for families looking for space, privacy, and a large lot in one of Downey's most desirable neighborhoods. Listed at approximately $1,299,000, the property features a large floor plan and oversized lot perfect for entertaining, expansion, or creating your dream backyard oasis.

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💰 Loan Programs We Can Offer

✅ Conventional Financing

5% Down Payment Options

10% Down Jumbo Options

20% Down Traditional Financing

Primary Residence Financing

Move-Up Buyers

✅ Jumbo Loans

Perfect for buyers purchasing in the $1.3M+ range.

Loan amounts exceeding conforming limits

Down payments as low as 10%

Fixed & Adjustable Rate Options

No Mortgage Insurance Programs Available

✅ Bank Statement Loans

Ideal for:

Self-Employed Borrowers

Business Owners

Contractors

Real Estate Professionals

Use 12-24 months of bank statements instead of tax returns.

✅ DSCR Loans

For Investors:

No Employment Verification

No Tax Returns

Qualify Based on Property Cash Flow

Great for Rental Property Buyers

✅ HELOC & Bridge Financing

Already own a home?

Use your existing equity to:

Buy before you sell

Increase your down payment

Avoid contingencies

✅ FHA Financing

3.5% Down

Gift Funds Allowed

Flexible Credit Guidelines

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📱 Open House Social Media Post

🏡 OPEN HOUSE THIS WEEKEND!

Looking for a home in one of Downey's most sought-after neighborhoods?

📍 8062 Otto St, Downey, CA 90240

✔️ 5 Bedrooms
✔️ Large Lot
✔️ Cul-de-Sac Location
✔️ Northwest Downey
✔️ Approx. 2,445 Sq. Ft.
✔️ Listed at $1,299,000

💰 Financing Options Available: ✅ 5% Down Conventional ✅ Jumbo Financing ✅ FHA Loans ✅ Bank Statement Programs ✅ DSCR Investor Loans ✅ HELOC & Bridge Loans

Not sure if you qualify?

📲 Call/Text Raul Rosado NMLS #1614197 | DRE #01814066

Let's get you pre-approved before the open house!

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05/30/2026

BUYING A HOME? WE HAVE A LOAN PROGRAM FOR YOU!

Whether you're a First-Time Home Buyer, Returning Home Buyer, Investor, or a Realtor helping clients achieve homeownership, we have financing solutions designed to fit nearly every situation.

✅ 100% Financing Programs
✅ Down Payment Assistance (DPA)
✅ FHA Loans
✅ VA Loans
✅ USDA Rural Housing Loans
✅ Conventional Loans
✅ Jumbo Financing
✅ Bank Statement Loans (Self-Employed)
✅ DSCR Investor Loans (No Income Required)
✅ HELOC & Home Equity Loans
✅ ITIN Loans
✅ First-Time & Repeat Buyer Programs
✅ Manufactured & Mobile Home Financing
✅ Multi-Family Financing (2-4 Units)
✅ Cash-Out Refinance Options
✅ 1-0 Temporary Buydowns
✅ Renovation & Rehab Financing

Why Work With Us?

🏠 We help buyers understand their options before they start shopping.

📈 We help Realtors structure offers that get accepted.

💰 We help clients maximize down payment assistance and seller credits.

⚡ Fast pre-approvals and personalized loan strategies.

🤝 One-on-one guidance from application to closing.

No matter where you are in your homeownership journey, we can help create a financing plan that works for your goals.

📲 Ready to get pre-approved?
Call/Text: (949) 436-5031
📧 [email protected]

Raul Rosado
Sr. Mortgage Loan Originator
Allianze Mortgage Services
NMLS #1614197 | DRE #01814066

MortgageLoans FHALoan VALoan USDALoan ConventionalLoan RealEstateAgent RealtorPartner HomeOwnership CaliforniaRealEstate MortgageExpert AllianzeMortgage YourLender DreamHome DSCRLoans BankStatementLoans HELOC InvestmentPropertyLoans

Equal Housing Opportunity. Loan programs subject to borrower qualification, credit approval, income verification, property eligibility, and program guidelines. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice. NMLS 1614197.

05/29/2026

OPEN HOUSE THIS WEEKEND!

Looking for a home in one of Downey's most sought-after neighborhoods?

📍 8062 Otto St, Downey, CA 90240

✔️ 5 Bedrooms
✔️ Large Lot
✔️ Cul-de-Sac Location
✔️ Northwest Downey
✔️ Approx. 2,445 Sq. Ft.
✔️ Listed at $1,299,000

Financing Options Available:
✅ 5% Down Conventional
✅ Jumbo Financing
✅ FHA Loans
✅ Bank Statement Programs
✅ DSCR Investor Loans
✅ HELOC & Bridge Loans

Not sure if you qualify?

📲 Call/Text Raul Rosado NMLS #1614197 | DRE #01814066

Let's get you pre-approved before the open house!

OpenHouse JustListed HomeLoans JumboLoan MortgageBroker FirstTimeHomeBuyer MoveUpBuyer AllianzeMortgage DowneyRealEstate HouseHunting

Property details based on current MLS marketing indicate approximately 5 bedrooms, 2 baths, 2,445 sq ft on a 0.26-acre lot in Northwest Downey.

05/29/2026

DSCR FINANCING FOR 5–8 UNIT INVESTMENT PROPERTIES

Looking to purchase, refinance, or pull cash out of a multifamily investment property?

Our expanded DSCR Program allows investors to qualify based primarily on the property's cash flow—not personal income.

✅ 5–8 Unit Residential Properties
✅ Purchase, Rate & Term, and Cash-Out Refinance
✅ Loan Amounts from $250,000 to $3,000,000
✅ Minimum DSCR: 1.00
✅ Interest-Only Options Available
✅ 15-Year & 30-Year Fixed Programs
✅ Appraisal Transfers Accepted
✅ U.S. Citizens, Permanent Residents & Non-Permanent Resident Aliens Eligible

Investor Highlights:

🏠 No Tax Returns Required in Many Cases
🏠 Qualify Using Rental Income
🏠 Up to 75% LTV Available (depending on FICO and loan amount)
🏠 Cash-Out Available
🏠 Existing Leases Accepted
🏠 Maximum of 2 Vacant Units Allowed

Credit Guidelines:

✔ Minimum 680 FICO
✔ No Housing Lates in the Past 24 Months
✔ Bankruptcy / Foreclosure / Short Sale: 36 Months Seasoning

Reserve Requirements:

💰 6 Months Reserves Required
💰 9 Months Reserves for Loan Amounts Above $1.5 Million

Property Requirements:

✔ Residential 5–8 Unit Properties
✔ No Major Deferred Maintenance
✔ Properties Under 2 Acres
✔ Rent Roll & Income/Expense Statement Required

Realtors:

Have investors looking at apartment buildings or multifamily properties? Let's get them pre-qualified quickly and structure the financing correctly before they write an offer.

Investors:

Whether you're acquiring your next property or pulling equity from your portfolio, let's explore your options.

📞 Raul Rosado
Sr. Mortgage Loan Originator
Allianze Mortgage Services, Inc.
NMLS #1614197 | DRE #01814066
📱 (949) 436-5031
📧 [email protected]

Disclaimer:
Subject to credit, income, asset, appraisal, and property approval. Program guidelines, rates, and terms subject to change without notice. Not all borrowers will qualify. NMLS #1614197. Equal Housing Opportunity. 🏠 Equal Housing Lender.

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05/29/2026

🏡 1-0 BUYDOWN: A WIN FOR BUYERS, SELLERS & REALTORS®

If high interest rates have buyers sitting on the fence, a 1-0 Buydown may be the solution.

✅ What is a 1-0 Buydown? The interest rate is reduced by 1% during the first year, creating a lower monthly payment and helping buyers ease into homeownership.

👨‍👩‍👧 For Buyers

✔ Lower monthly payment during Year 1
✔ More breathing room while settling into your new home
✔ Potential opportunity to refinance later if rates improve
✔ Easier transition into homeownership

🏠 For Sellers

✔ Attract more buyers without reducing the sales price
✔ Increase buyer affordability
✔ Help your home stand out from competing listings
✔ Often costs less than a major price reduction

🤝 For REALTORS®

✔ Create additional buying power for your clients
✔ Help overcome payment objections
✔ Increase showing activity and offers
✔ Close more transactions in today's market

Example

$500,000 Loan Amount

📉 Year 1 Payment Based on a Rate 1% Lower Than the Note Rate

That could mean hundreds of dollars in monthly savings during the first year.

The best part? The seller can often pay for the buydown as part of the transaction.

📲 Want to see how much a 1-0 Buydown could save you?

Raul Rosado
Sr. Mortgage Loan Originator
NMLS #1614197 | DRE #01814066
Allianze Mortgage Services
📞 (949) 436-5031
📧 [email protected]

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