Business Details
36 Years
experience
Your Trusted Mortgage Broker in Torrance, CA
As a mortgage broker in Torrance, California, I have dedicated over 30 years to helping clients navigate the complexities of mortgage financing. My expertise spans from first-time homebuyers to seasoned investors, with a focus on personalized solutions tailored to individual financial goals. With a background in property investment and management, I offer insider perspectives on financing strategies for real estate portfolios. My approach emphasizes transparency, education, and advocacy, ensuring clients understand their options while securing optimal loan terms. Recognized for integrity and client-centric service, I prioritize long-term relationships built on trust and results. My credentials include a California Bureau of Real Estate license and membership in professional organizations such as the National Association of Mortgage Underwriters.Testimonials highlight my ability to simplify complex processes and deliver exceptional outcomes, with 80% of business stemming from referrals. Whether refinancing, purchasing investment property, or accessing equity, I provide tools and guidance to enhance financial freedom. My commitment to continuous education ensures clients benefit from the latest market insights and regulatory updates. By focusing on solutions beyond traditional tax return-based lending, I serve diverse clients including self-employed individuals and entrepreneurs.
Services
Mortgage Brokerage
Investment Property Loans
Refinancing Solutions
Equity Access Programs
Self-Employed Financing
Debt Consolidation
Real Estate Education
Loan Pre-Approval
Tax Exemption Guidance
Credit Counseling
Details
- Year established: 1990
Highlights and features
- 30+ years of mortgage brokerage experience with a focus on investor financing
- Specialize in non-traditional financing solutions for self-employed individuals
- Offer personalized equity access strategies to save $10,000-$100,000+ in interest
- Provide educational resources including mortgage calculators and investment guides
- Maintain 80% referral-based business through client-centric service approach
Associations and certifications
- California Bureau of Real Estate License #01142629
- NMLS #321683
What people say
Knowledgeable in finance
Work ethic and integrity
Powerful winning combo
Awesome results
Trust that I will give
Services
Mortgage Brokerage
Providing comprehensive mortgage brokerage services for residential and investment properties. Specializing in conventional loans, FHA programs, and jumbo financing. Our expertise helps clients secure competitive rates and favorable terms through a network of lenders while offering personalized guidance throughout the loan process.
Investment Property Loans
Tailored financing solutions for real estate investors purchasing single-family homes, apartment buildings, and commercial properties. Services include cash flow analysis, portfolio optimization, and specialized loan programs for investors seeking to expand their property holdings or refinance existing assets.
Refinancing Solutions
Comprehensive refinancing options to reduce monthly payments, shorten loan terms, or access home equity. Services include rate-and-term refinancing, cash-out refinancing, and strategic timing guidance to maximize interest savings and financial benefits.
Self-Employed Financing
Specialized mortgage programs for entrepreneurs, business owners, and gig workers who require non-traditional income verification. Services include bank statement loans, asset-based lending, and documentation flexibility while maintaining compliance with lending standards.
Equity Access Programs
Strategic equity utilization services including HELOCs, cash-out refinancing, and home equity loans. Designed to help homeowners fund renovations, debt consolidation, education expenses, or investment opportunities while optimizing loan-to-value ratios.
People
Athena Paquette
Mortgage Broker & Financial Advocate
Mortgage broker with 30+ years of experience in Southern California. Licensed real estate broker and NMLS-registered professional. Specializes in investor financing and self-employed mortgage solutions. Instructor at Torrance Adult School for real estate investment classes.
Questions
What mortgage options are available for self-employed individuals?
We offer bank statement loans, asset-based lending, and alternative documentation programs that don't rely solely on traditional tax returns for income verification.
How can refinancing save me money?
Refinancing can lower monthly payments, reduce interest rates, shorten loan terms, or access equity. We analyze your specific situation to determine potential savings of $10,000-$100,000+ in interest.
What services do you offer for real estate investors?
We provide financing for single-family homes, apartment buildings, and commercial properties. Services include cash flow analysis, portfolio optimization, and specialized loan programs for investors.
Do you offer educational resources for first-time homebuyers?
Yes, we provide mortgage calculators, loan checklists, and educational guides to help first-time buyers understand the home financing process and requirements.
What areas do you serve?
Primarily serving Torrance, CA and surrounding Southern California areas including Los Angeles County with mortgage brokerage and consulting services.
How do you help clients with debt consolidation?
We evaluate home equity positions to determine if mortgage refinancing can consolidate high-interest debt at lower rates, potentially reducing overall monthly payments and interest costs.
