Francisco Cardenas Mortgage Consultant NMLS #1667826

Francisco Cardenas Mortgage Consultant  NMLS #1667826 Mortgage Loan Officer | NMLS # 1667826 |Guild Mortgage NMLS #3274
Equal Housing Opportunity.

05/28/2026
🎊FUNDEDπŸ‘πŸ½Congratulations to our first time homebuyers πŸ”‘They got keys to their very 1st home 🏑 We substantially reduced t...
05/06/2026

🎊FUNDEDπŸ‘πŸ½

Congratulations to our first time homebuyers πŸ”‘

They got keys to their very 1st home 🏑

We substantially reduced their out of pocket costs by using our State Down Payment Assistance program and combing it with some help from the property seller. 😊

Thank you for trusting me to get the job done and guiding them through the process, getting them a nice chunk of money to help with their out of pocket too πŸ’°

If you want to know how to get here, let's talk!!

πŸ’°THIS ONE!πŸ€‘CONGRATULATIONS TO AUGUSTINE πŸ‘πŸ½Walking into his first home and already in a financial position that takes mos...
05/06/2026

πŸ’°THIS ONE!πŸ€‘

CONGRATULATIONS TO AUGUSTINE πŸ‘πŸ½

Walking into his first home and already in a financial position that takes most first time buyers YEARS to get to. 😎

We used a super cool Down Payment Assistance program that provides 20% down AND all Closing Costs covered by a forgivable loan πŸ‘€

Awesome to be able help get this done 🫑

Thank you to for guiding Augustine through the buying process so smoothly 🏑

There's programs that will help cover your down payment πŸ—£πŸ“£ which can easily help you qualify too!

Have questions?

Let's talk!

πŸ”‘ WELCOME HOME 🏑 Congratulations to Karina and Jesus on getting in to their 1st home!! They both attended our "How to Bu...
05/05/2026

πŸ”‘ WELCOME HOME 🏑

Congratulations to Karina and Jesus on getting in to their 1st home!!

They both attended our "How to Buy a Home" class in January and started their journey shortly after 😊

We strategically used a down payment assistance program which helped cover their Down Payment, then combined that with over $12,000 of a Seller Credit that locked in for them πŸ”₯ and they left WITH money on closing day πŸ€‘

Always a pleasure helping things like this happen, it takes a team to get this done with ease πŸ™ŒπŸ½

Always thankful for my team who plays their part, and keeps all the pieces moving!

πŸ”‘ Welcome Home 🏑  Big Congratulations to Israel and Joselyn! Super cool to see them get their first home at 22 and 23 πŸ‘πŸ½...
04/24/2026

πŸ”‘ Welcome Home 🏑

Big Congratulations to Israel and Joselyn!

Super cool to see them get their first home at 22 and 23 πŸ‘πŸ½πŸ‘πŸ½

Time is everyones biggest asset, so getting in the game early sets you up for compounding results πŸ“ˆ

Thank you for allowing me the opportunity to get it done for you

Another one locked in by πŸ”₯
Getting over $9,000 for our buyers towards their Closing Costs, saving them a nice πŸ’°


Big thanks to my
Team (Tiffany, Peyton, and Marcie) for constantly doing work behind the scenes 😊 y'all are the best πŸ‘ŒπŸ½

🎊FUNDED πŸ” Congratulations to Sofia and Daniel on securing this awesome brand new home 🏑 They both attended our "How to B...
04/24/2026

🎊FUNDED πŸ”

Congratulations to Sofia and Daniel on securing this awesome brand new home 🏑

They both attended our "How to Buy A Home" class last year to get a quick refresh on the process for their 2nd home πŸ“ˆ

Thank you to for securing the home, $12,000 in credits, and $11,000 in price reduction πŸ™ŒπŸ½πŸ‘πŸ½

It's an honor getting to help buyers secure their financing, so thank you for the opportunity πŸ™πŸ½

Welcome Home 🏑

04/23/2026

πŸ“ŠDebt Percentages allowed will vary from one program to another ( CONVENTIONAL vs. FHA) and that can even change from lender to lender too πŸ‘€

Affordability is a big topic in this market so having the ability to maximize your Debt To Income

04/16/2026

There's a lot of factors and a lot of moving pieces we're constantly navigating for our clients πŸ€“πŸ˜΅

But we all start with the basics when getting a pre-approval issued for you 🫑

These are the big 4

πŸ“ŠCREDIT SCORE/HISTORY
πŸ’° INCOME
πŸš—DEBTS
πŸ’ΈMONEY

If you haven't already, check out the full podcast on YouTube, "Off The Market Confessions"😊 filled with lot's of good information πŸ”‘

πŸŽ‰SOLD+FUNDED🎊HUGE Congratulations to Eva and her family for getting keys to their very 1st home! 😊Her Kids had no idea t...
04/14/2026

πŸŽ‰SOLD+FUNDED🎊

HUGE Congratulations to Eva and her family for getting keys to their very 1st home! 😊

Her Kids had no idea they were walking into their new home when we handed over the keys πŸ₯²

Super grateful to have been a part of making this happen for them, especially after they previously were told NO by another Lender πŸ‘ŽπŸ½

Thank you to for always guiding our buyers through the buying process and making it easy for everyone. She successfully negotiated over $11,000 in a Seller Concession, that was used to cover Closing Costs 😎 πŸ’°

Thank you to my awesome team for the work they all do behind the scenes too!

Shout out to for making the transfer so smooth too πŸ™ŒπŸ½

Address

1215 S 40th Avenue
Yakima, WA
98908

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