Sarah Purcell - ACC Mortgage Lending, NMLS #239593

06/02/2026

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Learn the top 10 Vastu tips for home design. Explore main entrance direction, bedroom placement, kitchen vastu, pooja room location, colours, plants & many more.

05/30/2026

If you’re buying a home in the near future …call me:
Sarah 310-918-7464

I’ll get your loan fully underwritten and pre-approved so you can make a highly competitive offer, …setting yours above & apart from the others:

05/06/2026

Love, love waking up to these kinds of emails! Helping my clients become homeowners makes me so very happy 😍

04/28/2026

What are mortgage rates doing now? Well, they've been trying to break through lower but bounced, and are now at 2 week highs.
Why? Mainly because of the rise in oil prices! 😏

Mortgage rates moved moderately higher today for the average lender, but not for any exciting reasons. Rather, the change has more to do with timing of the underlying market movement. While it's true that mortgage rates are directly influenced by the bond market, mortgage lenders prefer to set r...

04/26/2026

🏡 Guarantor vs. Co-Signer 🏡
👉🏻 Co-signer: Responsible for missed payments immediately. Their name is on the title and mortgage, making them a part-owner.
👉🏻 Guarantor: Responsible only upon total default. Their name is on the mortgage only, with no ownership rights.

Learn what is a guarantor and what a cosigner is. See how they help with loans, the rental application process and know guarantor vs. cosigner differences.

04/23/2026

🤔 Did you know ACC Mortgage Lending can use your assets for the income calculation?! This Depletion Method/Asset Utilization is another reason why Non-QM is a great alternative to traditional financing...

💫 Qualify by dividing assets over 60 months 🎉
Ex. $200,000 = $3,333/mo additional income

• Up to 80% LTV – Purchase/Rate and Term
• Up to 75% Cash-out Refinance
• Assets seasoned for a minimum of three (3) months
• Minimum FICO 600
• Owner-Occupied, 2nd home or Investment
• Qualify with:
🦚 Just Assets OR
🦚 Blended with One or Two Yr. Full Doc, Bank Statements, 1099 or P&L
• Liquid assets can be:
🦚 Savings and Checking
🦚 Stocks, bonds, mutual funds
🦚 Vested amount of retirement and money market accounts

04/04/2026

💡 Pro tip to get your offer accepted: Present a seller with a full pre-approval letter, or better yet - a Fully Underwritten Letter when possible.
A pre-approval letter is a statement from a lender that it has reviewed your financial records and considers your finances strong enough to qualify for a loan. It's essential to put you ahead of other buyers, especially if you're in a market more favorable to sellers.

A pre-approval letter is different from a pre-qualification letter, which is basically just a conversation with the loan officer. Preapproval, involves an informal, nonbinding review of your finances. Proof that a lender considers you a candidate for a mortgage shows sellers that you are a stronger buyer than one who is prequalified, and indicates your commitment to buying a home.

Take time to get pre-approved by contacting me: Sarah Purcell, ACC Mortgage Lending

04/02/2026

🤸‍♀️ Did you know?? If you are 70+ years old and have been a Dept of Real Estate “licensee in good standing” for 30 continuous years in California you are exempt from the continuing education requirements for license renewal. 😍👨‍🦳🧑‍🦳

CONTINUING EDUCATION EXTENSION/EXEMPTION REQUEST
Form "RE 213"

03/31/2026

📉Mortgage Rates moved ⬇️ below 6.5% as markets responded to potential de-escalation in the Iran war.
For a quote for your specific refinance or purchase scenario, send me a DM

Mortgage rates moved lower for the second straight day as markets responded to potential de-escalation in the Iran war.  Rates are based on bonds and bonds improved overnight as The President said the war could end even if the Strait of Hormuz was not yet reopened. Additional improvement fo...