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The Amazing OneRay

@OneRayJ
My 1/4 Century of experience assures you world class service. NMLS 212593 Lic by the DFPI under the CA RMLA; Nexa Mortgage, LLC.; NMLS 1660690
Fresno, CA
OneRay.com
Joined February 2011
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    The Amazing OneRay
    @OneRayJ
    May 12, 2025
    When you apply for a home loan, do you know where the money for that loan comes from? 🏡💰 The Lender! Most mortgage lenders in the US are mortgage bankers, credit unions, and online banks. Each lender will ask a potential borrower for proof of income, credit documentation, proo
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    The Amazing OneRay
    @OneRayJ
    May 8, 2025
    Do you know what a FICO (Fair Isaac Corporation) score is? 🤔 When a potential borrower is being evaluated for a purchase or refinance loan, lenders will look at their FICO score to determine the risk based on payment history and amounts owed. FICO scores can fall between a low
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    The Amazing OneRay
    @OneRayJ
    May 6, 2025
    When a new home is purchased with less than a 20% down payment, your lender creates a special account to collect insurance and tax payments necessary for the borrower to keep their home. This is called an Impound Account; the lender divides the annual cost of each type of insuran
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    The Amazing OneRay
    @OneRayJ
    Dec 12, 2024
    ⚠️MYTH: "You must have a lot of savings to buy your own home" ✨ Only 0% to 5% down payment is required to purchase your own home!! We even have assistance programs to help pay closing costs so that MYTH is herby and evermore debunked. OneRay.com/ltv
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