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Smart Strategies To Lowering Mortgages

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Smart Strategies to lowering mortgages

Check your credit: Regularly monitor your credit score, a crucial factor in dermining mortgage terms and rates.

Save for down payment: Larger down payments can led to lower interest rates and avoid private mortgage insurance. 

Avoid Major Purchases: Refrain from big expenses before applying to mantain a favorable debt-to income ratio

Pay Down Debt: Reduce existing balances to improve your credit score, a key factor in determining rates. 


Stable Employment Matters: Mantain steady employment; avoid major job charges or self-employment before applying for a mortgage. 

Compare Multiple Lenders: Research and compare rates from vaious lenders, considering fees and terms for accurate evaluations. 

Posted by


       Esperanza Butler   Realtor®




Serving the Woodland Hills, West hills, Winnetka, Canoga Park, Northridge, Chatsworth, Granada Hills and just about anywhere in the San Fernando Valley.

I want to be the person you come to for help in buying or selling your home.

Michael Jacobs
Pasadena, CA
Pasadena And Southern California 818.516.4393

Hello Esperanza - it's nice to see your name make an appearance on the AR blog roll.  I hope all is well with you and your San Fernando Valley real estate business.   Happy Presidents' Day weekend. 


PS - proper preparation remains essential.  Its benefit in real estate and in life are important.   

Feb 17, 2024 02:53 AM
Esperanza Butler® 818 926 5425

Hello Michael, I am glad you noticed that I am back. Many times I feel like I am invisible. LOL. Happy President's Day to you as well. 

Feb 17, 2024 11:36 PM
Michael Jacobs

Esperanza Butler® 818 926 5425 - I have been thankful that there is no mandatory attendance record in ActiveRainLand.  Members can come and go as they please.  😀

Feb 18, 2024 02:59 AM
Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em: golfArizona@cox.net

Thanks for sharing, make it a great Saturday and enjoy your


Bill Salvatore, Realtor- Arizona Elite Properties

Feb 17, 2024 04:36 AM
Esperanza Butler® 818 926 5425

Thank you for your comment Bill. Enjoy your weekend as well.

Feb 17, 2024 11:38 PM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning Esperanza. Nothing like good credit will ever do. Then again timely repayment no longer applies in the state of New York. Enjoy your day.

Feb 17, 2024 05:13 AM
Esperanza Butler® 818 926 5425

Hello Wayne. Thank you for your comment and have a great weekend. 

Feb 17, 2024 11:39 PM
Ed Silva, 203-206-0754
Mapleridge Realty, CT 203-206-0754 - Waterbury, CT
Central CT Real Estate Broker Serving all equally

For people that have never owned, maximizing that purchase is important and your suggestions are a good start.

Feb 17, 2024 07:21 AM
Esperanza Butler® 818 926 5425

Hello Ed.

Thank you for your comment and I wish you a great weekend. 

Feb 17, 2024 11:41 PM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello and thank you for the great blog for buyers of what to do to save and buy a future home.  Make it a great day!


Feb 17, 2024 07:24 AM
Esperanza Butler® 818 926 5425

Hello Will and than you for your comment. I hope you have a great weekend. 

Feb 17, 2024 11:43 PM