Teena Broumand

Finances have been getting tighter for quite some time with everything from gas to groceries and every day expenses squeezing our pockets for a while now.

With rates easing, an equity at an all-time high, now might be the time to consider right sizing the ship with a refinance, home equity line of credit, or home equity fixed loan.

Want to discover which one is the best fit for your situation — give me a call and we’ll analyze all three!




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Why do you W-O-R-K?
Our LABOR, intelligence, efforts, and connections with others all contribute to the life we build for ourselves and wealth we accumulate.

Remember, all wealth is the product of hard work and dedication.

As you celebrate today, know that we are here to help turn your labor into lasting financial security with options to finance affordably a home that provides security and financial stability.

Happy Labor Day! 💼💪🏡

A big thank you to Debra Lindgren and Ventura County Coastal Association Of REALTORS for having us today.

We shared strategies for getting your buyer-broker agreement signed including financing strategies in todays market, how to communicate to buyers the financial implications of hiring you, how to optimize open house strategies, and how to select better words to convey YOUR specific value.

If you were unable to make it today, but would still like the information please reach out.

Got questions? We got FAQs!

Agents: I have this available in a pdf. Please download and share!

Message for REALTORS from your lender friend Teena…

We’re going live THIS weekend with new forms and new ways to negotiate purchase contracts to ensure buyers agents get paid.

* The purchase contract can state that the Seller is paying ALL Agent fees.

* The Seller can also offer credits and concessions towards closing costs and prepaids

* If the purchase contract specifies the Seller is paying the Agent fees and also offering seller credits, the seller credits can be applied towards other closing costs

* If the purchase contract does not specify that the Seller is paying the Agent Fees BUT offers seller credits, the agent fees will need to be covered by the seller credits or paid out of pocket by the buyer

* If neither seller credits nor Seller paid Agent fees are specified in the contract, then the buyer is responsible for all fees

* once a purchase contract is submitted to Newrez with an agreed upon price, we will not allow the contract to be amended to pay the Agents fees

* Agent fees are not an APR related item and do NOT need to be disclosed on an LE

We.can.do.this. 🙌🏡❤️

The mortgage market and interest rates are impacted by the greater stock market, unemployment data, as well as foreign financial markets.

Today’s going to be a doozy with what is going on Japan and how future markets are reacting.

You Don't Need 20% Down to Buy a Home! 🏡

Did you know that the idea of needing a 20% down payment to buy a home is just a myth? 🚫✨ Many people think they need to save up a huge amount before they can own a home, but that's not the case! There are so many options out there for low down payment loans, some requiring as little as 3% down! 🌟

Whether you're a first-time homebuyer or looking to upgrade, let's explore the best options for you. Don't let the 20% myth hold you back from your homeownership dreams! 💭💖

Ready to learn more? Drop a comment or send me a message, and let's get you closer to your new home! 🏡💫

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

Guess what...HALF of ALL home buyers last year were first-timers! 🥳

If you're dreaming about your first home, now could be the perfect time to start. Right now first time home buyers are benefiting from lots of perks, like grants and programs. 💸

Read through some of these tips we put together for those who are looking to get started! Now would be the time to focus on saving for your down payment and keep an eye on mortgage rates and housing inventory levels to find the right moment to buy. 🧐

Remember, every market has its opportunities. With the right guidance and preparation, your dream of owning a home is possible!!! 🩷

Have any questions or need some friendly advice? Reach out and let’s chat! 👩🏻‍

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠
💻: oceanoakslending.com

HAPPY NATIONAL MORTGAGE BROKER DAY!
I became a Mortgage Broker after leaving a beloved job in the medical device field working for a company that felt like family (Mentor).

I didn't think I would EVER be able to enjoy those types of relationships since I no longer worked in a large office building with direct co-workers. No more potlucks, halloween costume contests, picnics on the quad.

Little did I know that I would have AMAZING experiences (like being a guest at the New York Stock Exchange last year to ring the closing bell) and have absolutely fallen in LOVE with being a mortgage broker serving my clients with advice to work through complex financial decisions.

The friendships I have made have grown me as a person and expanded my world beyond what I ever expected as I shifted industries from medical device to financial services. I wont say this is an easy career, but it is SO FRICKEN REWARDING.

Today I celebrate my mortgage buddies. Cheers friends.

Thinking about living the Stars Hollow life in California? ☕🍂

Paradise, CA in the Sierra Nevada foothills, has shown incredible resilience since the devastating 2018 wildfire. Despite losing 85 lives and over 18,000 structures, the town has focused on rebuilding and is now home to 8,285 people, growing nearly 66% from July 2020 to July 2023. This makes it one of the fastest-growing towns in California! 🏡💪

While larger cities like LA and SF saw population declines, smaller towns like Paradise and Calimesa have flourished, showing a shift towards small-town living.
From quirky diners to charming bookstores, our small town vibes unmatched! Grab your coffee, chat with neighbors, and embrace the magic of slow living. ✨

Thank you so much for your kind words! At Ocean Oaks Lending we understanding what our clients need to pay and how to save them money is at the heart of what we do!! I'm so proud of how it all worked out. We analyzed the market, negotiated rates, and found opportunities that align with YOUR financial goals. Here's to your financial success and many happy years in your new home! 🏠✨

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Don’t wait months to make your dream come true….message me to get started today! 🏡

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

Planning to walk through a few open house doors soon?! Don’t do it without a pre approval letter! If you find the perfect home 🏡, you’ll want to act fast!

Getting pre approved can help you stay competitive and act swiftly when the occasion arises.

Call me to get pre approved (or re approved) today!

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]
➡️: NMLS 1149844⁠

Thank you so much for your kind words Jeffery! 😊
I'm so glad I could make the process easier and more approachable for you. Your trust and support mean the world to me, and I'm thrilled to have been part of your home buying adventure. 🏡

Ready to make your dream come true too? Message me to get started today! 🏡

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠

Wondering why your credit score isn't the only number that matters when applying for a mortgage? 🤔

While credit scores are important, they don't tell the whole story of your financial health. Factors like income stability, employment history, and debt-to-income ratio play a crucial role too! That's why I take a holistic approach to mortgage underwriting, ensuring we consider ALL aspects of your financial situation! 📊

Learn more on our blog! Link in bio.

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠

Thank you for the kind words, Erin! 🩷

I'm so glad to hear that you had a great experience with me and felt well-informed throughout the process (& beyond!). I appreciate your recommendations and I'm glad that I could help you navigate the challenges of this crazy market. 👩🏻‍💻

Ready to make your dream come true too? Message me to get started today! 🏡

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

Ventura County is embracing a new era of housing with Accessory Dwelling Units (ADUs)! 🏡✨

As homeowners start looking for diverse living spaces and additional income streams, Accessory Dwelling Units (ADUs) have become the go-to solution over the last few years. 📈

From Ojai to Thousand Oaks, the demand is rising. It doesn't matter if you're looking to accommodate aging parents, create a home office, or generate rental income, ADUs like a backyard cottage or a garage conversion offer flexibility and practicality, plus COMMUNITY! 💙

Are you ready to explore possibilities like adding value to your property or creating space for loved ones? Let's chat about how ADUs can transform your property! 💬

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠

Read more: teenabroumand247.com/financethenest

Exploring a soon to be ADU with the crew! 🏡✨
From planning to paint swatches, every step has been a family affair. It's not just about adding space; it's about creating memories in our home. Swipe to see a few sneak peeks!

Whether you're curious about financing or need advice on making your ADU project a success, let's chat about your options! 💬

P.S... Who knew home improvement could be this much fun? 🛠️💕

Read more about ADUS: teenabroumand247.com/financethenest/accessory-dwelling-units-multigenerational-living

Last year, LA was ordered to pay $20M for land seized from the Bruce family in 1912. This landmark decision highlights the importance of property rights and equitable treatment in real estate. As mortgage brokers, our role in advancing Diversity, Equity, and Inclusion (DEI) in homeownership looks a little like this...

Promoting Fair Lending Practices: Ensuring all clients have access to fair and transparent lending options, regardless of their background.

Educate and Empower: Providing resources and education to underrepresented communities about the mortgage process and financial literacy.

Advocate for Policy Change: Support policies that address systemic inequalities in housing and lending.

Community Building: Partnering with local organizations.

As local lenders we can help bridge the gap in homeownership and build stronger, more inclusive communities. Let me help you make your homebuying journey as smooth as possible! ✨

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠

Searching for the perfect home for your family is an adventure in itself! From cozy nooks to sprawling kitchens, every detail counts. 🌟

In our latest blog post, we break down the essential factors to consider: location for shorter commutes and vibrant community vibes, top-notch school districts for little learners, the perfect layout, and of course, how to handle your finances so that stay strong as your family grows!

Discover how these elements come together to create not just a house, but a HOME where memories are made.

Ready to find your family's dream space? Let's get started!

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]
➡️: NMLS 1149844⁠

Read more -> teenabroumand247.com/blog/choosing-right-home-family

What did Dar do on Father’s Day?

Wondered around the hills of Chismahoo Mountain sending epic pics of a gorgeous view (my foot is still jacked up so he was solo).

A heartfelt thank you to Karen for the glowing 5-star review! Working with you has been a privilege, and I’m overjoyed to have played a part in your story! 🏡

Here’s to the countless memories waiting to be made in your new home! Thank you for choosing me to be a part of your homeownership adventure. 🙌✨

Navigating the real estate market during a rising interest rate environment can be challenging. Luckily, I’m here to guide you every step of the way and help you secure the best possible mortgage option for your needs. 🥳

My team is committed to offering competitive rates and customized solutions to ensure you make the most informed decisions for your future. 🤝

If you or anyone you know is looking to buy a new home, refinance, or explore mortgage options, I would be honored to assist them, just as I did for Karen! 🏠✨

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]
➡️: NMLS 1149844

Have you ever seen ‘One Day at a Time”? – three generations under one roof, navigating life's ups and downs together.

Just like our favorite TV families, multigenerational living is all about love, support, and plenty of laughter. Just imagine the iconic Tanner household! 🏡

But beyond the sitcom charm, these shows showcased the real-life benefits of multigenerational housing – shared responsibilities, cherished memories, and the comfort of knowing you're never alone. 🥰

Our latest blog post explores the different benefits and potential challenges of this growing trend. Like I always say, at the end of the day it is up to YOU. Multigenerational housing is more than just a financial decision; it’s a lifestyle choice that fosters community, support, and family bonding. There are a lot of considerations to make here, do you think your family should follow this trend?

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

As a businesswoman I am constantly learning, sometimes about my business, sometimes about myself. One thing directly feeds the other, so you gotta work on it allll! There's something truly magical about networking events – a chance to connect, learn, and grow alongside like-minded professionals who share our passion and drive. ✨

I'm a part of a few different groups and I love when we get the chance to connect in person! Sure, AI can crunch numbers and analyze data, but when it comes to trust and empathy, nothing beats human connection. Are you a part of any fun networking groups? 👩🏻‍💻

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

A heartfelt thank you to Olivia for the glowing 5-star review! Joining you on this journey has been a privilege, and I’m overjoyed to have played a part in your story! 🚀 🩷

Here’s to the countless memories waiting to be made in your new home! 🎉🏠
Thank you for choosing me to be a part of your homeownership adventure. 🙌✨

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844

Dreaming of finding that perfect interest rate before diving into homeownership? 🏡✨

Trust me, I get the temptation! But here's the reality: trying to time the market is like hitting the jackpot. 🎰

Sure, it's possible, but it's rare. Instead, focus on understanding your buying power and finding a rate that works for YOU. ⚡️

As a mortgage broker, I'm here to guide you through the mortgage process, ensuring you make a decision that aligns with your financial goals and lifestyle. Let's chat about finding your dream home without waiting for luck to strike! 🌱

Teena Broumand, Mortgage Broker⁠ Associate⁠
📱: 805-263-4415
📧: [email protected]⁠
➡️: NMLS 1149844⁠