Julian Chavez III

Loan Originator

NMLS# 2139745

Julian Chavez III Loan Originator

What Is a Cash-In Refinance?

A cash-in refinance is when you bring additional money to the closing table to pay down part of your loan balance while refinancing. Instead of pulling equity out (as in a cash-out refinance), yo Sep 25, 2025

A Mortgage Tax Credit That Could Save You $2,000 a Year

Homeownership feeling out of reach? There's a little-known federal program that could cut your annual tax bill by up to $2,000 and make buying a home much more affordable. What Is a Mortgage Credit Ce Sep 23, 2025

Mortgage Basics for First-Time Home Buyers

Thinking about buying your first home? You're not alone — and it’s more doable than you might think. If you're unsure where to begin or how financing works, this guide breaks it down in cl Sep 18, 2025

Does Refinancing your Mortgage Make Sense?

Is your current mortgage rate still working for you? If you're paying more than necessary, now might be a good time to consider refinancing. Even a small drop in your interest rate can make a noticeab Sep 16, 2025

Remembering the Lives Lost on 9/11

Today, we pause to remember the lives lost and the bravery shown on September 11, 2001. More than two decades later, the memory of that day continues to resonate deeply across our nation. We honor the Sep 11, 2025

Why Buying a Duplex Makes Financial Sense

Buying a duplex lets you live in one unit while collecting rent from the other. It's a smart way to reduce housing costs while building wealth through real estate. Why Duplex Living Makes Financial Se Sep 09, 2025