UrLocal Lender Expert

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UrLocal Lender Expert

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Marcia Evans Frater | NMLS 247105
UR #1 Local Lender at
951-830-2065 | [email protected]
Corporate NMLS #: 1660690
NEXA Mortgage LLC is an Equal Housing Lender

10/10/2026

🏡 The best homes aren’t always the newest or biggest—they’re the ones that make you feel like you belong the moment you walk in.

Home isn’t about having the most impressive space. It’s about finding a place where your life fits, your memories grow, and you can truly feel at home. ❤️

Don’t just look for a house. Look for the feeling.

When you’re ready to find yours, let’s make a plan to get you there. 🔑

📞 888-613-8325
📧 [email protected]
🌐 www.ur1locallender.com

Marcia Frater | Loan Officer | NMLS #247105
Corporate NMLS #1660690

10/08/2026

🏡 Thinking about buying a home? Get your finances ready before you start house hunting!

The strongest homebuyers don’t just search for the perfect house—they prepare their finances for the journey.

From checking your credit and saving for a down payment to understanding closing costs and your true monthly payment, a little preparation can help you shop with confidence. 💰✨

Before you fall in love with a home, make sure your finances are ready for it.

Ready to understand your options and create a plan? Let’s talk! 📲

📞 888-613-8325
📧 [email protected]
🌐 www.ur1locallender.com

Marcia Frater | Loan Officer | NMLS #247105
Corporate NMLS #1660690

10/06/2026

Fall spending today can shape your homeownership tomorrow. 🏡

Before you swipe, book, or buy, take a moment to think about your future home goals. Small financial choices now can make a big difference when you’re ready to buy.

Let’s create a plan that helps you move toward homeownership with confidence. 💙

We can help you:
✔️ Review your budget
✔️ Plan for your future home
✔️ Strengthen your credit

📞 888-613-8325
📧 [email protected]
🌐 www.ur1locallender.com

Marcia Frater | Loan Officer | NMLS #247105
Corporate NMLS #1660690

10/01/2026

🏡 Hello, October! 🍂💙

A new month means new opportunities, and for some, it may be the perfect time to take the next step toward homeownership.

Whether you’re a first-time homebuyer, looking to refinance, or simply exploring your mortgage options, October is a great time to review your goals, understand your financing options, and prepare for what’s ahead.

As your Mortgage Officer, I’m here to help make the home financing process easier to understand—from pre-approval to closing. 🔑

✨ New month.
✨ New goals.
✨ New possibilities for homeownership.

Let’s make your homeownership goals part of the plan this fall! 🍁

📩 Message me to start a conversation about your mortgage options.

09/25/2026

A mortgage approval doesn’t mean you can comfortably afford it.

Lenders look at your:

Income

Spending

Existing debt

Credit history

But remember: what you qualify for ≠ what you should borrow.

Choose a mortgage payment that fits your real life—not just the bank’s limit.

Would you borrow the maximum you qualify for?

09/23/2026

Don’t start house hunting before you know your numbers.

4 mortgage tips that can save you stress:

🏡 Get pre-approved early
Know your budget and strengthen your offer.

💰 Explore incentives
You may qualify for homebuyer programs.

📊 Understand your mortgage options
Fixed, variable, or hybrid—choose what fits your goals.

🧾 Budget for extra costs
Closing costs, inspections, and renovations add up.

Save this before you start your home search.

Which tip do you need most? 👇

09/21/2026

🚨 Think mortgage underwriting is slow? These 11 issues could be the reason.

High debt-to-income ratio

Credit issues

Missing information

Appraisal problems

Insufficient income

Employment gaps

Tax document discrepancies

Funding issues

No cash reserves

Title report issues

Funds not properly sourced or seasoned

A smoother mortgage approval starts with preparation.

Save this before you apply. 🏡

Which one surprised you most?

09/18/2026

Paying your mortgage the wrong way could cost you.

$300K mortgage:
Weekly: $474.05
Bi-weekly: $948.10
Monthly: $1,896.20

The payment schedule matters more than you think.

Save this before choosing your mortgage payment frequency.

Which option would you choose? 👇

09/16/2026

Your bank hopes you never learn this.

A 30-year mortgage doesn’t have to mean 30 years.

Making extra principal payments can potentially cut years—and interest—off your loan.

But here’s the catch: make sure extra payments are applied to principal.

Don’t assume. Ask.

Save this before your next mortgage payment.

Would you make extra payments to pay off your mortgage faster?

09/15/2026

ONE HOME. MANY GENERATIONS. SMARTER POSSIBILITIES.

Could an ADU or multigenerational living solution be right for your family?

Discover practical options for ADUs, senior housing, financing, construction, and real estate planning at Generations Under One Roof.

📅 September 19, 2026 | 1–2 PM
📍 Fontana, CA

Plan for the home your family needs next.

🔗 Register now: bit.ly/GenerationsUnderOneRoof

Address

3100 W Ray Road Suite 201 Office 209
Chandler, AZ
85226

Telephone

(951)830-2065

Website

http://www.ur1locallender.com/, http://buyhome.loans/, https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=%2FE

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