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discount points

Discount Points: Are They Worth It? Interest rates got you down? Thinking about buying discount points but not sure if they’re worth it? You’re in the right place. Discount points are essentially a way to buy down your interest rate upfront. This article breaks down how they work, when they’re a smart move, and how…

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Refinance Timeline: Streamlining Your Path to Savings

Refinance

Refinancing Roadmap: Streamlining Your Path to Savings Picture this: Lower monthly payments, extra cash in your pocket, or finally tackling that dream renovation. Refinancing can make it happen, but the timeline can feel like a maze. Juggling work, family, and the dream of a better mortgage? Time is precious, and refinancing shouldn’t be a guessing…

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Conquer Your Down Payment: A Step-by-Step Guide to Homeownership

Down payment

Unlocking Homeownership: Your Step-by-Step Guide to Conquering the Down Payment Picture this: you’re holding the keys to your dream home, the culmination of your hard work and planning. Sunlight streams through the windows, illuminating the space that will soon be filled with laughter, memories, and the comfort of knowing you’ve achieved a major milestone. It’s…

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Understanding HELOC: A Comprehensive Guide

HELOC

Imagine having a financial safety net built right into your home. That’s the power of a Home Equity Line of Credit, or HELOC for short. It’s like a credit card, but instead of borrowing from a bank, you’re tapping into the value you’ve already built in your home. Need cash for a dream renovation? Unexpected…

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How Long Does It Take to Improve Your Credit Score?

credit score

Tired of feeling like your credit score is a roadblock to your dream home? Let’s break down those barriers and pave the way to financial freedom! In the mortgage world, your credit score is more than just a number – it’s a powerful tool that can unlock better loan options, lower interest rates, and ultimately,…

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How Much Can I Borrow Against My Home Equity?

Home Equity

Your Home’s Hidden Cash: Unlocking the Power of Home Equity Owning a home is more than just having a roof over your head; it’s about building a solid foundation for your financial future. And within those walls lies a powerful tool you might not even realize you have: home equity. Think of it like a…

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What is an Adjustable-Rate Mortgage (ARM)?

Adjustable-Rate Mortgage

What is an Adjustable-Rate Mortgage (ARM)? Want to unlock a lower interest rate on your mortgage, at least for a while? Adjustable-Rate Mortgages (ARMs) might be your key! ARMs are a bit different from your typical fixed-rate mortgage. With an ARM, your interest rate stays the same for a set period, then adjusts based on…

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How Long Does It Take to Improve Your Credit Score?

credit score

How Long Does It Take to Improve Your Credit Score? Understanding Your Credit Score Think of your credit score as your financial GPA. A good one opens doors to better opportunities, especially when it comes to buying a home! At Loans by Lozano, we’re experts at helping clients navigate the mortgage process, even if they…

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Licensing

NMLS# 1655101
CA DRE# 02069548

Endeavor Mortgage
NMLS#355050

Equal Housing Lender

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Chenine Lozano - Endeavor Mortgage
13001 Seal Beach Blvd Suite 210
Seal Beach, CA 90740

Number:
(562) 620-7662