Johnny Rojas PRMG RLG Mortgage

What is the difference between getting prequalified versus preapproved?

Well...a lot actually. One is more of a verbal guesstimation amd the other is formal and fully reviewed feedback.

The difference is significant and important.

Im happy to provide you verbal estimates and what not, but you never want to move forward without a full and complete review and approval.

That is a recipe for disaster.
If you want to know where you stand in a real world scenario, shoot me a DM for a no-obligation preapproval and find out where you stand.

Thanks for watching!

Are you trying to figure out what you can afford and what your payment actually would be?

Look no further. I'd be happy to walk you thru it and tell you real world what you are working with.

Straight and to the point. Loans are not the mystery we like to say they are. Its pretty straightforward if you know what to look for.

DM me or give me a call and I'll break it down for you.

Thanks for watching!

Had a blast taking some time away from the office Friday to go hang out with my Tribe at the Long Beach Grand Prix.

This has always been one of my favorite weekends!

Love me some vroom vroom in The LBC! 🏁 🏎

Sometimes...no matter how hard you try to avoid it...you run into challenges on a mortgage loan.

It happens guys. Sometimes its a result of a mistake...a misunderstanding or unforseen circumstances. Or maybe the loan gods just arent smiling upon your application that day.

Whatever the case may be...this is when working with a direct lender that has a the Batphone connection with the underwriter or even the investors that purchase the loans on the secondary market can come in clutch for you.

If you are stuck or have been denied in the past...I'll be happy to take a look at your scenario for you and let you know what can or can't be done.

No pressure...no commitment. Just straight up advice.

I might even pick up the Batphone for you if it comes to it.

Dont think I wont!

Thanks for watching and have a great day!

Now I'm NOT saying I don't like a nice easy traditional softball loan...that's how rumors get started 😅

Lets not get it twisted boys and girls...of course I enjoy working on straightforward traditional loans.

All I'm really saying is I really enjoy helping people qualify to finance real estate that didn't think they ever could.

We tend to forge...or maybe not even be aware that there are SEVERAL different options and ways to qualify for a home financing available.

Not everyone fits into the same box. And thats where I like to shine.

If you've been turned down, or dont think you quailfy...or just want some straightforward feedback and advice...call me.

I'll walk you thru your options and put together a game plan to help make your dreams come true. Well...maybe only your real estate financing ones...but you get the idea! 💡

And as always...thank you for watching!

Gather around the plastic campfire kids 🔥 and listen to the tale of the somewhat unknown closing cost calculations.
We dont really talk about them as much as we should...but they are a very important part of the overall real estate transaction.
As always...feel free to reach out and let me know if you have any questions.
And yes...I did say insurance twice...I promise that wasnt a glitch in the matrix...I am talking about you typically pay for insurance twice...once for a 1 year premium upfront and again for a reserve amount in your escrow account.

Call me and I'll walk you through it.

Thats my story and I'm sticking to it 🤣

Thanks for watching!

Working with an experienced team is critical when you run into unexpected issues that pop up from time to time during escrow.

Slowing down the clock by focusing on the solutions and keeping emotions to a minimum goes a long way in a successful problem solving scenario.

At the end of the day, we all want to make sure you get across the finish line in a manner that works for everyone.

I call it the 360 approach...we dont move forward unless everyone wins.

Thanks for watching and make it a great day!