Julian Chavez III

Loan Originator

NMLS# 2139745

Julian Chavez III Loan Originator

Understanding Your True Monthly Mortgage Cost in 2025

The average American mortgage payment has reached $2,329 per month, up 21% from $1,924 in 2023. Rising home prices and interest rates averaging 6.68% are driving these increases. But that's just the b Oct 23, 2025

Is Now the Right Time for a Home Equity Line of Credit?

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity you've built in your home. As property values and interest rates fluctuate, many homeowners wonder whether this financing o Oct 21, 2025

Combination Mortgages: Eliminate Private Mortgage Insurance

A Combination mortgage offers homebuyers a way to avoid private mortgage insurance (PMI) while making a smaller down payment. This financing strategy uses two simultaneous loans to purchase a home, bu Oct 16, 2025

The First-Time Homebuyer's Complete Guide

Buying your first home represents one of the most significant financial decisions you'll make. This guide walks you through the essential steps to prepare for homeownership, from evaluating your finan Oct 14, 2025

Should You Use Your 401(k) for a Home Down Payment?

Many homebuyers consider borrowing from their 401(k) to fund a down payment. While this option offers certain advantages, it carries some risk that can affect your long-term financial security. Here's Oct 09, 2025

Understanding Mortgage Closing Costs

Closing costs are the fees and expenses you pay when finalizing your home purchase. These costs cover services provided by your lender, third-party professionals, and prepaid items that protect your i Oct 07, 2025