Edwin Baptista-Mortgage Consultant Nmls 678489
Loan types: Purchase, Refinance, Consolidating, Remodeling, Creative financing, Investment, 2nd homes. Tailoring loans for your specific needs.
Holy cannoli! The 10yr treasury yield takes a nice dip and good for mortgage rates. Here is a quick explanation of what happened these last few days.
Your time is now to get pre-approved. Let's see if you are ready and let me show you what it takes.
Edwin Baptista
Loan Advisor
NMLS 678489
FL-NMLS - LO80740
Your lender in CA and FL
02/23/2023
Show me the keys! How's does getting a Clear to Close in 7 days on a purchase sound? I say pretty amazing! Helping my clients and realtors primer the pre-approval process and guiding them through from beginning to the end is what I do. Everyones loan is different and everyone will have their own custom tailored loan. The properties are out there and you better be prepared.
Who you gonna call? Edwin Baptista that's who!
Who's next?
Edwin Baptista
NMLS 678489
FL-Lic
Hey everyone! Spring is right around the corner and this means it's going to be home shopping season soon! Make sure you are prepaped and avoid these 6 to 7 rookie first time homeuyer mistakes. Your pre-approval is counting on it.
Here are those mistakes and how to avoid them.
Edwin Baptista
NMLS 678489
FL Lic # LO80740
01/16/2023
Things to know as a first time home buyer. Here are some real estate and financing terms that you will hear throughout your purchase process. This is what I do, which is to help you navigate through the purchase process and make it as smooth as possible.
Contact me for any questions or your loan scenario.
Have a great day out there!
Edwin Baptista
Loan Advisor
NMLS 678489
FL-Lic # LO80740
Lending in CA and FL
12/13/2022
Edwin Baptista here with another mortgage minute coffee break.
How about this 10yr treasury bond market rally downward in these last 3 weeks. Consumer price index reports have helped with this trend and has brought interest rates back down from the 7's to about the 5's. What does this mean in what you can afford with the right rate. Well, here is an example flyer with a breakdown of mothly payment affordability and where you may qualify.
Have questions? Contact me
Edwin Baptista
NMLS 678489
FL-Lic # LO80740
Lending in CA and FL
12/08/2022
Here are some helpful tips for first time home buyers. Prepareness is key and avoiding these mistakes will make the buying process easier. The deals are out there for you, are you preppared?
Edwin Baptista
Lending in CA and FL
NMLS 678489
FL-Lic # LO80740
12/02/2022
Higher Conforming 2023 limits are here! This could mean more savings and a lower rates for clients. I am here to help those in need of getting pre-approved.
Edwin Baptista
NMLS 678489
FL-NMLS - LO80740
Co.NMLS 1734144
Is now the right time to buy? Yes, with the right program and game plan. Our programs, such as the 3-2-1 or 2-1 buydown allow our buyers to get their qualifying rate 3 percent lower on the first year, 2 percent lower on the second year and 1 percent lower on the 3rd year. This means our clients are not sitting on the sidelines and are taking advantage of our great home buying programs. When rates ease back down in the next 12-36 months, clients will be able to refinance into a lower rate.
Check out my video comparing buying in 2021 and buying in 2022 with some pros and cons.
Contact me for details.
Have a great day out there!
Edwin Baptista
Lending in CA and FL
NMLS 678489
FL-Lic # LO80740
11/02/2022
You know a lot of people ask me when is it a good time to buy Edwin and I tell them when you are ready and have all your ducks in a row. Would you rather pay 6%-7% on a mortgage or 100% of rent to your landlord? When owning a home, you are paying yourself back. Trying to predict the market is always challenging and unpredictable. So, make a move when you are ready and take advantage of those opportunities out there. There are programs that can get you started two and one percent lower on your mortgage rate from your current qualifying rate.
Mortgage thought of the day, brought to you by Edwin Baptista.
Have a great day out there everyone!
NMLS 678489
10/21/2022
Here are some average down payments for those that have purchased homes. The averages might surprise you and navigating in this market you will need some firepower. This is where our programs help those with a down payment and programs that offer rate buydowns to help start with a lower payment and rate.
Contact me for details.
Happy Friday!
Mortgage minute brought to you by Edwin Baptista
NMLS678489
10/10/2022
How would you like your buyer's to pay two percent lower from their qualifying rate in their first year and one percent lower in the second year.
Contact me for details:
Edwin Baptista
CA-NMLS 6478489
FL-LIC LO80740
[email protected]
www.coastca.com
10/05/2022
Still on the sidelines about purchasing a home? Here is a glimpse of what your home equity would look like in 5 years if you were to purchase today.
Thought of the day by Edwin Baptista.
Questions? Contact me.
NMLS678489
09/29/2022
Thought of the day:
Home buying advantages in this market by the numbers. When buying versus renting shows what you may be missing out on while waiting on the sidelines. Investing in yourself through a home purchase will payoff in the long run. Have questions, contact me for your own loan analysis.
Thought of the day, brought to you by your neighborhood mortgage lender Edwin Baptista.
Have a great day everyone!
NMLS678489
09/22/2022
No Income home loans can help with that purchase or refinance when unable to provide income. Here is an option for you weather it's short term or long term.
09/21/2022
Some may think that we are in a housing bubble and here is a breakdown on where we are today compared to the housing bubble in 2008.
Edwin Baptista
NMLS 678489
09/16/2022
Mortgage coffee break minute:
Depending on your situation, the right time to buy is when you are ready, weather the market is up or down. Imagine a $3500 rent payment after 12 months, that's $42,000 into someone else's pocket. Sure rates have gone up, but buying now will payoff in the long run with that money being reinvested into yourself with principle reduction and tax deductible interest benefits.
This is Edwin Baptista with you mortgage minute coffee break. Happy Friday!
09/14/2022
New conforming loan limits are here! This means that loan pricing may cost less for those who qualify.
Investing in yourself through homeownership in this market!
Down memory lane with mortgage rates and where we stand today. Be prepared and ready when it's time to make that offer with a pre-approval.
Lending in California and Florida
Extra!! Extra!! Get your Home Equity Line of Credit here and leave that first mortgage alone. Hi everyone, I'm excited to tell you about our new loan product here at Coast Capital. Just another way for me to take care of my clients mortgage needs and give them more options.
Hello everyone!
Credit preparedness is key when buying or refinancing a home. Here is a quick video on 5 credit factors that make up your credit score. Be prepared and know where you stand and what you can do!
Edwin Baptista
NMLS 678489
07/18/2022
I came across this beautiful home over the weekend. Talk about nice beach living! This could be your next second home, vacation or investment house here in South Florida. Minutes from the beach, fishing, dining, golfing, diving and much more.
Brought to you by your home away from home loan officer in California and Florida Edwin Baptista.
Have a great day everyone!
NMLS 678489
07/12/2022
Getting pre-approved and being prepared will help you get into your future home faster. Be ready when it's time to go house shopping, whether buying in California or Florida. Let's make it happen.
NMLS 678489
FL-NMLS-LO80740
Co. NMLS 1734144
06/22/2022
With current market conditions, it's nice to know that we can lock our clients rates up to 90 and 120 days, while they go house shopping. This is just one less thing to worry about during the home purchase process.
06/10/2022
Being prepared and having the right loan program will help with a faster closing time on your next home purchase. Let me show you what those steps are and have you ready when the time comes.
Edwin Baptista
NMLS 678489
How to adjust and leverage yourself to the current mortgage market if you are thinking about purchasing a home. A few things that can help balance your purchasing power. Coffee break brought to you by Edwin Baptista.
NMLS678489
05/18/2022
I am now able to help clients looking to relocate to Florida, whether they are purchasing a primary, second home or an investment property. Being licensed in both CA and FL allows me to help more families and individuals. We are a licensed mortgage broker with many different loan programs that can help with many different loan scenarios. Have a great day everyone!
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Telephone
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Address
2190 Meridian Park Boulevard Suite E
Concord, CA
94520
Opening Hours
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
| Saturday | 9:30am - 5pm |
| Sunday | 8am - 5pm |
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