Bella Buhain - Loan Officer

🏡 LA mortgage loan officer
📚 A mortgage tip every day
🔑 Purchases, refis & HELOCs
NMLS 1993580 | DRE 02118625
The Lending Pros NMLS 2320101 | EHO

[Bella Buhain - Loan Officer @bellabuhain]

Hi, I'm Bella, a mortgage loan officer in LA.

Rates just crossed 7% and a lot of people have questions. So I'm posting one mortgage tip a day, in plain English.

What do you want to know about buying or refinancing right now?

[Bella Buhain - Loan Officer @bellabuhain]

Have a 3% mortgage and need cash? Don't give that rate up.

A cash-out refi replaces your whole loan at today's 7%+ rates. A HELOC lets you borrow only what you need and keeps your first mortgage as is.

What would you use your equity for?

[Bella Buhain - Loan Officer @bellabuhain]

Mortgage word of the week: PRIME RATE

It's the base rate banks use for HELOCs and credit cards. When the Fed raised rates on Sept 16, prime went up with it.

Have a HELOC or card balance? Check your next statement. Did you notice the jump?

[Bella Buhain - Loan Officer @bellabuhain]

Buying this fall? Ask the seller to pay.

With homes sitting longer, many sellers will cover closing costs or buy down your rate. Dollar for dollar, that often lowers your payment more than a price cut.

Would you rather have a lower price or a lower rate?

[Bella Buhain - Loan Officer @bellabuhain]

Myth: rates are over 7%, so it's a terrible time to buy.

The other side: more homes for sale, softer prices, less competition, and sellers paying buyers' closing costs and rate buydowns.

Higher rates can mean more leverage. Agree or disagree?

[reanna🫀 @reannarevisted]

my brother’s band is playing @ The Midnight Hour Records in San Fernando, please spread the word ✨🌙🎭

[Bella Buhain - Loan Officer @bellabuhain]

pasta is my love language

[Bella Buhain - Loan Officer @bellabuhain]

why do I even put blush on my nose if my mask is just going to rub it off 😞

[Bella Buhain - Loan Officer @bellabuhain]

Feeling so so so inspired 😭

[Bella Buhain - Loan Officer @bellabuhain]

big things coming 2021, so excited 🥺

[Bella Buhain - Loan Officer @bellabuhain]

🥱

[Bella Buhain - Loan Officer @bellabuhain]

@reannafigueroaa save me 😰

[KTLA @KTLA]

BREAKING: For the first time ever, Latinos are the largest group of Californians accepted into the University of California for fall 2020 https://t.co/4sozEQ43it

[Farah @feefiefoe_farah]

Hi friends! For those of you who I haven’t told personally, both of my parents are COVID positive from seeing patients at the hospital.

It would mean a lot to me if you could share our story.

Frontline workers have families too and I almost lost mine. https://t.co/WB3eFrB988

[FOST @GeorgeFoster72]

👇🏾

[bijan @bijanstephen]

ok baby names dot com go off

[ACLU @ACLU]

‼️ KNOW YOUR RIGHTS WHILE PROTESTING: A THREAD ‼️

[k ⁷ @cyphertann]

thread of petitions to sign for the black lives that still have not gotten justice

[˗ˏˋ𝓣𝓪𝔂ˊˎ˗ @greenteaamami]

Here are free pdfs of books about race, prison abolition, class, etc. i’ll keep adding as i find them! another suggestion would be to check out your local online library! 💗

[Bella Buhain - Loan Officer @bellabuhain]

More ways to help!!! Go to: https://t.co/9u24hXNaAv