Manuel Angeles

Loan Officer

NMLS: 1750546

Recent Articles

Feb
25
2021
First-Time Home Buyers Must Avoid These Mistakes
There are many common mistakes first-time home buyers make. Some are minor, while others can end up being costly. Fortunately, several of these mistakes are avoidable. Please read and share this article with other first-time home buyers to help them spot these common errors before...
Feb
18
2021
"How Long Does It Take To Purchase a Home?"
Everyone has a different path to homeownership. Items like the type of loan you get and deciding on a real estate agent affect your timeline. But generally speaking, it takes about 30 – 60 days from start to finish to buy a home. Let's take a closer look at the homebuying timeline so that...
Feb
10
2021
"Is a Home Equity Loan Right For Me"
One of the most valuable benefits of owning a home is building equity. Whenever you need a considerable amount of cash, you can get it by borrowing against your equity with a home equity loan. How you use the funds is up to you. Some choose to remodel the kitchen. Others need it to pay off...
Feb
04
2021
What Do Fannie Mae And Freddie Mac Actually Do?
Fannie Mae and Freddie Mac are government-backed mortgage companies (or government-sponsored enterprise), and their job is to give the mortgage market stability and affordability. But how exactly do they do that, and why does it matter to you as a homebuyer?  In this article,...
Jan
27
2021
Earnest Money Deposit Versus Good Faith Deposit: What's The Difference?
There are other costs associated with buying a home beside the down payment. Some of those include fees for the appraisal, home inspection, and title work. Today, we want to focus on costs called "earnest money deposit" and "good faith deposit."  We'll share what those terms mean...
Jan
21
2021
Helpful Hints For Buying A New Condo From A Developer
2021 is greeting us with a surge of new constructions, especially condos. With the promise of amenities like swimming pools, a communal clubhouse, and done-for-you landscaping, buying a new condo attracts many eager buyers. Are you thinking about making an offer on a new condo...
Jan
13
2021
What Are Origination Fees and Can They Be Avoided?
An origination fee is part of the multi-step process of getting a loan and includes the cost of processing the application, underwriting, and financing the loan. The lender may combine the fees into one charge or may list each one individually.   Either way, origination...
Jan
06
2021
What Every Homebuyer Needs to Know About Home Sale Contingencies
A contingent offer is an offer that has been accepted with the final sale depending on meeting specific criteria. What sort of criteria? That's what this article will explain. Bookmark this reference if you're currently shopping for a home. And remember to send it to your friends, too! All...
Dec
30
2020
Your Guide to Managing Your Credit Score
You've likely heard of the term "credit score," but how familiar are you with what it represents? Here is everything you need to become an expert at managing your credit. What's A Credit Score? A credit score is a three-digit number. It represents your credit history and tells the lender...
Dec
23
2020
Should You Buy Property in the City or Suburbs in 2021?
Trying to decide an urban or suburban life? You're not alone! Since the pandemic, many Americans leaving the city for suburban life. Before hastily deciding which option is better, let's take a closer look at life in each of these settings.  City Versus Suburb: What's the...
Dec
17
2020
Is Building A Custom Home a Good Idea in 2020? Here’s What You Need To Know
The cost of building a new home has decreased in 2020, and this may have you grappling between getting a loan for a new construction or one for a pre-owned home. Here are the advantages of building a house from the ground up.  Did you know that there are conventional and...
Dec
09
2020
Is It Necessary To Use a Real Estate Agent to Buy a Home?
Does working with a real estate agent matter? That's a question many first-time and experienced home shoppers have, especially when they learn that real estate agents earn a commission for their service. While it's possible to buy a home without a real estate agent, most home buyers...
Dec
02
2020
7 First-Time Homebuyer Programs You Need to Know About
Owning a home is one of the surest ways to build personal wealth. But you don't need to have "wealth" to get started. There are many first-time buyer home loan programs available --each with their perks and particular qualifying requirements. In this overview, we'll share the 7 most popular...
Nov
25
2020
Practical Tips for Feeling Gratitude During COVID
Thanksgiving is a day to focus on gratitude. However, this year has undoubtedly presented significant challenges, and you may have a difficult time conjuring up that comforting feeling of gratefulness. Use these tips to help you elevate your mood and outlook with gratitude. Give...
Nov
19
2020
Is A Second Stimulus Check Coming Your Way?
Many Americans have been eagerly awaiting news about a second economic relief package, including a second round of stimulus checks. President Donald Trump and both parties in Congress have voiced their support for another round of financial aid. As the White House and Congress continue...
Nov
11
2020
"How Can I Qualify For A Veteran Home Loan"
VA home loans have impressive rates and terms, making them some of the most desirable mortgage loans to apply for. Curious as to what it takes to get a veteran home loan? Here's everything you need to know to get started. How To Know if You Qualify for A Veteran Home Loan You'll need a...
Nov
04
2020
How To Make An Offer On a Pending Home Sale
Finding an ideal home only to see "pending" on the listing can be disheartening, but it shouldn't be. Most real estate websites will post "pending" as soon as a seller accepts an offer, but that does not mean the deal has gone through. Read on to learn what "pending" in real estate means and...
Oct
28
2020
Home Affordability FAQ--Answered!
Uncertainty can make buying a home more arduous than it should be. Let's take a look at some of the most frequently asked questions about mortgage affordability. How Do I Determine My Housing Budget? Many get stuck at this point because they want to "figure out" their finances before...
Oct
21
2020
How to Pay off Debt Fast To Qualify for a Home Loan
Struggling to pay down or pay off debt? You're not alone. Most Americans are shouldering about $30k in debt from credit cards, school loans, or car loans. And if you want to buy a home, too much debt can hinder mortgage approval. Fortunately, there are ways to get a handle on it.  Check out...
Oct
14
2020
Tricks for Removing Negative Information From Your Credit Report
Removing negative marks from your credit report isn't just for raising your credit score. It's also the key to getting approved for a home loan with a favorable interest rate. Use these strategies to eliminate negative information from your credit report. Did you know that there are loan...

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