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1st in Service, 1st in Rates! Mortgage Broker & Lender A Trusted name is Mortgage Industry for almost 20 years.
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10/27/2026

🏡 What If Mortgage Rates Drop After You Buy a Home?
Good news! 🎉 You may not be stuck with your current mortgage rate forever.
If interest rates drop, refinancing could help you lower your monthly payment and save money over time. 💰
📉 Why consider refinancing?
✅ Potentially lower your monthly payment
✅ Save on interest over time
✅ Explore better loan options
💡 The key is knowing when it makes sense. Closing costs, your new interest rate, and how long you plan to stay in your home all matter.
Already own a home? Let’s explore your refinancing options!
📲 Contact Loan America today to learn more.
🏡 Loan America | Home Loan Specialists
🇺🇸 NMLS #340713
¡Hablamos Español!

10/14/2026

🏡 Choosing the Right Realtor Makes All the Difference!

Buying a home is a big decision! Choose a Realtor who understands your priorities, knows the market, and helps you find the right home at the right price. 🔑

✅ Knowledge of the local market
✅ Strong negotiation skills
✅ Reliable reviews and referrals
✅ Clear, honest communication
✅ Your best interests come first
🏠 Your dream home starts with the right team!

📲 Ready to take the next step toward homeownership? Let’s connect!
¡Hablamos Español!

NMLS #340713

10/06/2026

MOVING? PROTECT YOUR CREDIT!
Buying a home? Keep your finances steady until closing. 🔑
🚫 Avoid opening new credit cards
🚫 Hold off on big purchases or a new car
🚫 Don’t take on unnecessary debt
🚫 Avoid closing old credit accounts
✅ Pay bills on time
✅ Keep credit card balances low
✅ Keep your cash reserves intact
Remember: Change your address, not your financial profile! 📦🏠
Before making a major financial move, talk to your mortgage professional first.
📞 Loan America | (888) 562-6800
NMLS #340713 | Hablamos Español

10/01/2026

🇺🇸 VA Loan Benefit: Buy a Multi-Unit Home with $0 Down! 🏡
If you’re a qualified Veteran, did you know you may be able to use your VA loan to purchase a 2-, 3-, or 4-unit property?
You can live in one unit as your primary residence and rent out the others to help cover your monthly housing costs.

✅ Potential 0% down payment
✅ 2–4 unit properties may qualify
✅ Live in one unit, rent the others
✅ Purchase or refinance options may be available

Don’t assume you don’t qualify. Your eligibility, VA entitlement, income, credit, and property all matter.

📲 Have questions about your VA home loan options?

Loan America
Hablamos Español 🇺🇸
For informational purposes only. Loan terms, eligibility, and requirements apply. This is not financial or legal advice.

NMLS #340713

09/25/2026

🏡 Could $10,000 in savings turn into $60,000 toward your first home?

A new Senate proposal might make that a reality. The Homeownership Promise Act would provide a 5-to-1 federal match for eligible first-time buyers saving for a down payment, offering up to a $50,000 federal contribution.

Here is how that could look:

💰 You save: $10,000
🏛️ Federal match: $50,000
🏠 Potential total: $60,000

Please note that this is currently a proposed bill, not yet an active program.

Regardless of the outcome, the conversation surrounding first-time buyer affordability is gaining momentum. If you are considering purchasing your first home, let’s discuss the programs already available to assist with your down payment.

📲 | Loan America
🇺🇸 Hablamos Español

09/24/2026

🏠 Is 7% the New Normal? What Buyers Waiting for 6% Should Know
It’s too early to say, but waiting for mortgage rates to hit exactly 6% could mean waiting longer than expected.
📉 Instead of focusing only on the rate, look at the overall monthly payment and what fits your budget today.
Consider:
✅ Compare rates & APR
✅ Seller concessions for eligible costs
✅ Temporary rate buydowns
✅ Discount points
✅ Your long-term financial goals
And remember: if rates improve in the future, refinancing may be an option if the savings make sense and you qualify.
💡 The right time to buy isn’t necessarily when rates reach 6%; it’s when the numbers work for you.
📲 Want to explore your options? Call or text (888) 562-6800
🏦 Loan America | NMLS #340713
🗣️ Hablamos Español

09/18/2026

📢 ¡ATENCIÓN A TODOS LOS REALTORS!

🏡 ¿Tienes clientes que trabajan por cuenta propia?

Nuestro Programa P&L ofrece soluciones flexibles para compradores self-employed.

✨ Tasas desde 6.25%*
✔️ Soluciones flexibles
✔️ Tasas competitivas
✔️ Opciones de préstamo personalizadas
🇲🇽 ¡Hablamos Español!

📲 Llámame o mándame un mensaje: (888) 562-6800
Loan America | NMLS #340713

🤝 ¡Trabajemos juntos para ayudar a tus clientes a lograr su meta de ser propietarios!

09/18/2026

# # # 📢 ATTENTION ALL REALTORS!

🏡 **Have Self-Employed Buyers?**
Our **P&L Loan Program** may help turn more qualified buyers into homeowners.

✨ **Rates as low as 6.25%***
✔️ Flexible solutions for self-employed borrowers
✔️ Competitive rates
✔️ Personalized loan options
🇲🇽 **¡Hablamos Español!**

📲 **Call or message me:** (888) 562-6800
**Loan America | NMLS #340713**

*Rates and program guidelines are subject to qualification and change.

09/14/2026

🏡 READY TO BUY YOUR FIRST HOME IN 2026? START HERE!
Before you start house hunting, get financially prepared. A strong plan can help you shop with confidence and avoid surprises.
✅ Get Preapproved – Know your buying power and estimated monthly payment.
✅ Compare Loan Options – Look beyond the interest rate and compare fees, points, seller credits, and available programs.
✅ Protect Your Financing – Avoid new debt, large purchases, unexplained deposits, or major financial changes before closing.
✅ Have Your Documents Ready – Being prepared can help you move quickly when you find the right home.
✅ Ask About Assistance Programs – You may qualify for down payment assistance or other first-time buyer options.
💡 The right preparation today can help put you in a stronger position when it’s time to make an offer.
📲 Ready to get started? Contact me for a personalized preapproval and let's discuss your options!
Loan America
📞 (888) 562-6800
🏦 NMLS #340713
🗣️ Hablamos Español

09/09/2026

🏡 Is It a Condo or a Townhouse?
They can look almost the same from the outside, but when it comes to buying and getting a mortgage, there can be some important differences.

A townhouse usually describes the style of the home, while a condo refers more to how the property is legally owned.
Before making an offer, it’s a good idea to find out:
✅ How the property is legally classified
✅ What the HOA fees actually cover
✅ Who is responsible for the roof and exterior
✅ What type of insurance the property has
✅ Whether the property meets current loan requirements

This is especially important with condos, since the HOA, insurance, reserves, and overall project may be part of the lender’s review.
👉 Thinking about buying a condo or townhouse? Let’s make sure you understand the property and your financing options before you make an offer.
📞 Loan America
🏡 Home Loans | Refinance | Equity
🇺🇸 California
🗣️ ¡Hablamos Español!

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23293 Ventura Boulevard
Woodland Hills, CA
91364

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Monday	8:30am - 5:30pm
Tuesday	8:30am - 5:30pm
Wednesday	8:30am - 5:30pm
Thursday	8:30am - 5:30pm
Friday	8:30am - 5:30pm

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