Francisco Cardenas Mortgage Consultant NMLS #1667826

05/28/2026

05/06/2026

🎊FUNDED👏🏽

Congratulations to our first time homebuyers 🔑

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 💰

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

05/06/2026

💰THIS ONE!🤑

CONGRATULATIONS TO AUGUSTINE 👏🏽

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 👀

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 🗣📣 which can easily help you qualify too!

Have questions?

Let's talk!

05/05/2026

🔑 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 🔥 and they left WITH money on closing day 🤑

Always a pleasure helping things like this happen, it takes a team to get this done with ease 🙌🏽

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

04/24/2026

🔑 Welcome Home 🏡

Big Congratulations to Israel and Joselyn!

Super cool to see them get their first home at 22 and 23 👏🏽👏🏽

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

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

Another one locked in by 🔥
Getting over $9,000 for our buyers towards their Closing Costs, saving them a nice 💰


Big thanks to my
Team (Tiffany, Peyton, and Marcie) for constantly doing work behind the scenes 😊 y'all are the best 👌🏽

04/24/2026

🎊FUNDED 🔏

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 📈

Thank you to for securing the home, $12,000 in credits, and $11,000 in price reduction 🙌🏽👏🏽

It's an honor getting to help buyers secure their financing, so thank you for the opportunity 🙏🏽

Welcome Home 🏡

04/23/2026

📊Debt Percentages allowed will vary from one program to another ( CONVENTIONAL vs. FHA) and that can even change from lender to lender too 👀

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 🤓😵

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

These are the big 4

📊CREDIT SCORE/HISTORY
💰 INCOME
🚗DEBTS
💸MONEY

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

04/14/2026

🎉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 🥲

Super grateful to have been a part of making this happen for them, especially after they previously were told NO by another Lender 👎🏽

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 😎 💰

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 🙌🏽