Pro-Line Mortgage Inc.

Earth Day is the perfect time to remember that small changes can make a big difference no matter what the context.

There are a few tiny but manageable home sustainability tips you can make starting today that will impact our world for years to come:⁣
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+ Switch to energy-efficient light bulbs.⁣
Reuse bags, water bottles, scrap paper, and glass jars.⁣
+ Plant a backyard garden or start composting.⁣
+ Replace appliances with energy-efficient models.⁣
+ Turn off lights when you leave a room.⁣
+ Repair drippy faucets.⁣
+ Lower the temperature on your water heater or thermostat.⁣
+ Use cloth instead of paper to clean your kitchen.⁣
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Have any home sustainability tips to share? Comment below!⁣

f u n d e d
📍 Beverly Hills , CA
💰 Purchase Price 6,600,000.00
12mo Bank Statement | No Tax Returns

Huge thanks to and for a smooth transaction 🤝

F U N D E D.
📍 Calabasas , CA
🏡 3Bed, 3 bath | 1850 sq ft
💰 Purchase Price 1,500,000.00
JUMBO LOAN | 24mo Bank Statement
Yes, that means no tax returns needed.

S/O to & for being great to work with and killing it by double ending this transaction

In a rapid-fire seller’s market, you need more than great finances and a quick-on-the-draw offer to land the home of your dreams. You need guts, grit, and every advantage to edge out the competition—even if your offer is thousands above asking.

Enter appraisal gap coverage.

Appraisal gap coverage affords a middle ground between including an appraisal contingency in your offer (drag!) and waiving it completely (agh!).

It sounds like an insurance policy, but it's not. It's strategic language in your purchase contract that states you’re willing to pay the difference between the appraised value and the contract price, up to a certain amount.

If a seller is studying two equal offers and one has appraisal gap coverage but the other offer doesn’t, they’ll go with the one with the gap coverage.

Have hopes of buying soon but feel a tad hesitant? Let's have a conversation—I'd love the chance to guide you through the buying process, connect you with an awesome realtor, and make sure your offer is the one on top!

F U N D E D
📍 Los Angeles, CA
💰 2,050,000
Jumbo | Bank Statement+ Full Doc

great working with & on this one!🍻

Q: How far in advance should I apply for a mortgage?⁣

A: Ideally, you want to start the process when you are shopping around for a new home. Doing so will tell you exactly how much you can afford, what your monthly payments will be, and what your total monthly obligations are.

Questions about the home buying process? We’ve got your answers!

5 Mortgage Myths — DEBUNKED!

MYTH: You have to have a 20% down payment to buy a house.

TRUTH: Different loans require different down payments—some as low as 0%!

MYTH: Pre-qualified means the same thing as pre-approved.

TRUTH: A pre-qualification is a quick assessment of how much money you can borrow based on info you provide—no documentation necessary. A pre-approval letter indicates you’ve provided financial information to a lender and they have approved you for a designated loan amount. Serious about buying? Get pre-approved.

MYTH: You need a stellar credit score to get a mortgage.

TRUTH: For a conventional loan backed by Fannie Mae or Freddie Mac, the minimum score required is 620. The lowest credit score to buy a house with an FHA loan is 580. Mortgages are out there for folks with a wide range of credit scores. Plus, there are things you can do to improve it along the way.

MYTH: You don’t need to shop mortgage rates. They’re the same no matter where you go.

TRUTH: Just like any major purchase, shop around! Not all mortgage rates are the same. Closing costs and other fees can vary from one lender to another.

MYTH: It’s cheaper to rent a home than it is to own a home.

TRUTH: Owning builds equity, offers tax benefits, and gives you a predictable payment year after year. Not to mention, buying now allows you to lock in historically low rates.

Don’t be fooled by every mortgage myth you hear! Talk to folks who know the truth (helllo🙋🏻‍♂️ ) and can help make homeownership a reality for you.

to this beaut in !

It's !! Is that a thing? Should we make it a thing? Whatever, we funded.

3 things to know about down payments:

The more cash you can scrape together towards a down payment, the better your interest rate may be. BUT don’t wipe out your entire savings. You’ll need some cash reserves as a new homeowner.

You can buy a home with less than 20% down, but a smaller down payment means paying Private Mortgage Insurance (PMI)—typically 0.5-1.5% of the original loan amount.

If you’ve been piling up cash for a down payment but can’t seem to make any headway, a down payment assistance program (like an FHA loan or VA loans) might help.

Down payment questions rolling around in your head? Let me help! DM us your questions, and we'll be in touch!

to this goregous home we funded back in September 💰 🏡

Purchase Price: $6,252,000

Jumbo | 24 MO Bank Statement Program

Shoutout to this amazing team for a smooth transaction

Interested to know how this will affect your plans to buy? DM or give us a call 818) 540-LOAN 💰 🏡

This was a great example of using rates AND equity to your advantage. Client recieved 80K cash out for improvements and STILL dropped her rate over a point. SO, if you're sitting on some equity while sitting at home and want to make some of your own improvements, a cash-out refi may be for you. (818) 540- LOAN | NMLS 238904

All year long, but especially on days like today, we're grateful for wonderful clients like you! ⁣ Happy ThanksgivingI Hope you have a wonderful day celebrating with the people you love. ⁣
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Starting the week of strong 💪

Party at the Upshores!!! 🥳
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Check out our story for a surprise! Hint: ☕️

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Ready to take advantage of these low rates?! We’re ready to help.

3 Benefits of Refinancing:

1️⃣Better Mortgage Rate

2️⃣Cancel Mortgage Insurance PMI

3️⃣Cash-out Refinance

Wondering if a refinance is right for you? Curious how much equity you’ve accumulated? Send me us a message or give us a call.

Getting a mortgage doesn’t haven’t be complicated or overwhelming so long as you know what to expect going in. ⁣
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Here’s an overview of the entire process start to finish:⁣
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1. Mortgage pre-approval: Just a bit of paperwork to show sellers you’re a serious buyer.⁣
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2. Shop and make an offer: Work with an agent to make offer sellers can’t refuse!⁣
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3. Loan application: Beef up what you started in the pre-approval process to get your loan ready for underwriting. ⁣
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4. Loan processing: Sit back while loan processors review all info in your loan file and gather documents about the house for the underwriter.⁣
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5. Underwriting: Underwriters are the key decision-makers in the whole process—the buck literally stops here. With everything reviewed, he or she will approve, reject, or come back and ask for additional documentation. ⁣
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6. Closing: Once you’ve made it to closing, you’re in the home stretch. Documents are approved, and after a few signatures, the house is officially yours!⁣
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If you’re ready to buy or know someone who is, don’t let getting a mortgage get you down. Reach out or send me a DM and let’s take walk through each step one by one!

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🚨 PSA: We've invested in homebot!!! is a dynamic finanical dashboard designed to help you save money, track your equity and build your wealth with the single largest asset you may ever own- your home. Check out the link in our bio to sign up!!

What do you get in your free monthly snapshot?

➕Updates on your homes estimated value (no, not your zestimate)

➕Find out if you would benefit from a refinance

➕Understand your purchasing power for a second home, investment property or even an upgrade

➕See the value in principal reduction payments

➕Know when you can drop your mortgage insurance

➕Learn about your income possibilities from utilizing your home as a short-term rental

➕Find out your total cash-out power

It’s been a month since we began rolling out .ai for our clients and the feedback has been so positive that we wanted to share with our insta friends and colleagues. Not to mention, a 94% open rate!! Realtors, are you listening? Theres co-branding opportunities here for you as well. DM US!

Happy Independence Day, friends!⁣
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Whether today finds you poolside, lakeside, beachside, or somewhere in between, may your day be joyous and your thoughts be full of gratitude for our one-of-a-kind country and our nation’s long list of heroes.⁣
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Enjoy the day to the fullest—and don’t forget the sunscreen! Cheers!⁣
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anotha one ☝️
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As seen in !!
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