Jonathan Caguioa

Mortgage Advisor

NMLS: 250609 & CA DRE: 01137630

949-241-2527

lenderguide@allianzemortgage.com

Jonathan Caguioa Mortgage Advisor

Blog

A Guide to Refinancing

A Guide to Refinancing

Posted by Jonathan Caguioa at Sep. 26, 2021 https://www.blink.mortgage/app/signup/p/allianzemortgageservicesinc/jonathancaguioaBelow are a list of items needed for review. Please provide those that apply to you.   REFINANCE OR EQUITY

Sep 26, 2021 |

When to Refinance a Mortgage: Is Now a Good Time?

When to Refinance a Mortgage: Is Now a Good Time?

Posted by Jonathan Caguioa at Jul. 26, 2021 With mortgage rates near rock bottom, it's a good time to refinance a mortgage, right? Sure, in many cases, no doubt. As a matter of fact, 17% of U.S. homeowners with a mortgage on their prim

Jul 26, 2021 |

Prequalified And Pre-approved: What's the Difference?

Prequalified And Pre-approved: What's the Difference?

Posted by Jonathan Caguioa at Jul. 23, 2021 If you're thinking about buying a home, then you've probably heard the terms "pre-approval" and "prequalification." While often used interchangeably, there's a slight difference between the tw

Jul 23, 2021 |

NON-QM ENHANCEMENTS

NON-QM ENHANCEMENTS

Posted by Jonathan Caguioa at Jul. 15, 2021 GUIDELINE UPDATES TRADELINES Provided the primary wage earner has three credit scores, the minimum tradelines are satisfied. An alternative tradeline option has been added.

Jul 15, 2021 |

Gift Equity Purchase

Gift Equity Purchase

Posted by Jonathan Caguioa at Jul. 13, 2021 When homeowners sell the family home to a loved one, they may wish to do so at a discounted rate. When this happens, the difference between the home’s market value and its sale price acts as a

Jul 13, 2021 |

Exploring The Pros and Cons Of An Interest-Only Mortgage Loan

Exploring The Pros and Cons Of An Interest-Only Mortgage Loan

Posted by Jonathan Caguioa at Jul. 07, 2021 An interest-only mortgage starts with payments that only pay down the mortgage interest. Generally, this makes your monthly payments lower than a typical mortgage payment. This option is attra

Jul 07, 2021 |