Jose Salazar - Mortgage & Homes

Jose Salazar - Mortgage & Homes Helping SoCal families & investors achieve their real estate & mortgage goals. Serving LA, OC, SB & Riverside counties. Let’s connect!

10/13/2025

Don’t make these mistakes 👇

A recent study shows nearly half of new homeowners wish they did something differently.

Here are the top regrets — and how I help my clients avoid them:

1️⃣ Surprise / hidden costs
We budget beyond the down payment. Maintenance, insurance, HOA dues — we plan for the full picture, not just the monthly principal & interest.

2️⃣ Buying too small
Your mortgage should fit your future too. If you’re expecting life changes (kids, job, caring for parents), we’ll build that into the plan.

3️⃣ Monthly payment pressure
I always encourage clients to test-drive their future mortgage:
→ Save the estimated payment for 2–3 months.
→ See how your lifestyle feels.
→ Adjust before locking into a loan.

Here’s the good news:

Most buyers don’t regret buying — they regret not being better prepared.

That’s where I come in 💡
Let’s build your homebuying plan with strategy, not guesswork.

Tag someone who needs to hear this ‼️

Start your journey here: https://buyerprequalify.com/jsalazar

-Jose R. Salazar
NMLS #: 2239012
CA DRE #: 01919374
Direct: 626.617.5134

10/10/2025

Last week, a homeowner in West Covina said:
“I’ll refinance when rates drop 1%—otherwise it’s not worth it.”

Truth is, that’s a common myth. The idea that you need a full percent drop for it to make sense isn’t always true.

Here’s the math 👇
A 1% drop in rate equals about:
💵 $67 less per month per $100k borrowed.
So a $300k loan saves about $201/mo.
A $600k loan saves about $402/mo.

Even “small” drops add up fast—especially over years.

What most people don’t realize:

✅ You can often refinance with $0 due at closing
✅ You skip up to 2 mortgage payments
✅ The real decision isn’t just the rate—it’s your loan balance, term, and how long you plan to stay in the home.

Comment RATE and I’ll run a free savings analysis for you. All I need is your most recent mortgage statement—it’s that simple.

Let’s Start Here: https://homequityreport.com/jsalazar

-Jose Salazar
NMLS #: 2239012
CA DRE #: 01919374
Direct: 626.617.5134

10/08/2025

Most buyers walk into the process carrying myths that can cost them time, money, and peace of mind.

Here are the top misconceptions I hear every day—ranked by how much they surprise people 👇

#1: Your first mortgage payment isn’t due right away.
Close this month? You probably won’t make your first payment until the next one. That’s a financial breather most people don’t plan for.

#2: Paying off a car loan can backfire.
Sounds smart, right? But sometimes it lowers your credit score or drains your cash—hurting approval instead of helping.

#3: Pre-approval ≠ your budget.
That number is just what the bank says you could borrow, not what you SHOULD spend.

#4: Sellers can buy down your rate.
Negotiating credits can save you hundreds per month—something most buyers don’t even know to ask about.

#5: Lender credits exist.
And yes—they can wipe out a big chunk of closing costs if you know how to structure your loan.

These are the kinds of “insider truths” that change how you approach buying a home.

💬 Comment or DM me “SECRETS” and I’ll send you the full list (plus show you which ones matter most for your situation).

Start your journey here: https://buyerprequalify.com/jsalazar

-Jose Salazar
NMLS #: 2239012
CA DRE #: 01919374
Direct: 626.617.5134

5 Key Factors to Consider When Refinancing Your MortgageThinking about refinancing your mortgage? Here are five essentia...
09/29/2025

5 Key Factors to Consider When Refinancing Your Mortgage

Thinking about refinancing your mortgage? Here are five essential factors to consider before you proceed:
Credit Score:

1. A higher credit score can qualify you for better interest rates, making refinancing more beneficial. It's worth checking your score and improving it if possible before applying.

2. Debt-to-Income (DTI) Ratio: A lower DTI ratio increases your chances of approval and can secure you more favorable loan terms. Lenders prefer borrowers with manageable debt levels.

3. Home Equity: The more equity you have in your home, the better your refinancing options. Higher equity might also help you avoid Private Mortgage Insurance (PMI).

4. Closing Costs: Refinancing comes with closing costs, which can be significant. Weigh these costs against the potential savings to ensure refinancing is worth it.

5. Loan Type & Term: Decide between a fixed or adjustable-rate mortgage and consider the length of the loan. Both factors will impact your interest rate and monthly payment amounts.

By carefully considering these factors, you can make an informed decision and maximize the benefits of refinancing your mortgage.

Contact me today to review your Refinance Scenario.
https://homequityreport.com/jsalazar

Jose Salazar
Prime Equity Mortgage
NMLS # 2239012

Address

West Covina, CA
91790

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 6:30pm
Saturday 10am - 3:30pm
Sunday 10am - 3:30pm

Telephone

+16266175134

Website

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