The Amazing OneRay @OneRayJ

My 1/4 Century of experience assures you world class service. NMLS 212593 Lic by the DFPI under the CA RMLA; Nexa Mortgage, LLC.; NMLS 1660690 OneRay.com Fresno, CA Joined February 2011

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The Amazing OneRay @OneRayJ

a year ago

When you apply for a home loan, do you know where the money for that loan comes from? 🏡💰 The Lender! Most mortgage lenders in the US are mortgage bankers, credit unions, and online banks. Each lender will ask a potential borrower for proof of income, credit documentation, proo

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The Amazing OneRay @OneRayJ

a year ago

Do you know what a FICO (Fair Isaac Corporation) score is? 🤔 When a potential borrower is being evaluated for a purchase or refinance loan, lenders will look at their FICO score to determine the risk based on payment history and amounts owed. FICO scores can fall between a low

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The Amazing OneRay @OneRayJ

a year ago

When a new home is purchased with less than a 20% down payment, your lender creates a special account to collect insurance and tax payments necessary for the borrower to keep their home. This is called an Impound Account; the lender divides the annual cost of each type of insuran

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The Amazing OneRay @OneRayJ

2 years ago

Bookmark OneRay.com/rates to watch what mortgage rates are doing. posts.gle/RmVBux

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The Amazing OneRay @OneRayJ

2 years ago

⚠️MYTH: "You must have a lot of savings to buy your own home" ✨ Only 0% to 5% down payment is required to purchase your own home!! We even have assistance programs to help pay closing costs so that MYTH is herby and evermore debunked. OneRay.com/ltv

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The Amazing OneRay @OneRayJ

2 years ago

Here is what others are saying about OneRay Mortgage Services in the Fresno, CA area. How can I help you? Check out Julease G.'s review of NEXA Mortgage on @yelp yelp.com/biz/oneray-nex…