David Yanez, NMLS #219859

David Yanez, NMLS #219859 David Yanez, Branch Manager, NMLS # 219859

09/11/2026

Not every part of the Chicago housing market moves the same way. 🌆🏡

Demand may remain strong in some neighborhoods while other areas begin giving buyers more room to negotiate. That’s why understanding the local market—not just the headlines—matters.

Before making your move, make sure your financing strategy matches the area you’re considering.

09/08/2026

Still waiting until you have 20% saved to buy a home? You may not have to. đź‘€

Depending on your finances and the loan program, options with a lower down payment may be available.

Don’t let an outdated mortgage myth delay your plans. Let’s review your options and find out what’s possible.

09/05/2026

Buying a home is a team effort—and you don’t have to navigate it alone. 🤝🏠

Your real estate agent, loan officer, attorney, and insurance agent each play an important role in helping you reach the closing table.

The right team can make the process feel a lot less overwhelming.

Ready to build your homebuying team? Let’s connect!

09/03/2026

What if your home could help pay for itself? 🏠💡

House hacking may allow you to live in one part of a property while renting out another—turning your home into a potential source of income.

It’s not just about buying a house. It’s about buying strategically.

Want to know if house hacking could work for you? Send us a message!

08/31/2026

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08/31/2026

A large deposit can be great news for your bank account and additional paperwork for your mortgage.

During the loan process, the lender may need to verify where certain funds came from. Cash deposits, transfers, gifts or proceeds from a sale may require a clear paper trail before they can be used.

Keep statements, receipts, transfer records and gift documentation organized. Most importantly, ask your loan officer before moving or depositing a large amount.

Expecting a deposit or transferring funds? Contact Team Alegre first.

08/27/2026

You can be approved for the mortgage and still encounter a problem with the property’s insurance.

The home’s location, roof, age, condition or claims history may affect the availability and cost of coverage. A high premium could also change the monthly housing expense you planned for.

Don’t wait until the final days before closing. Request an insurance quote during the inspection or due-diligence period and confirm that the coverage meets your lender’s requirements.

Before committing to a property, get the insurance quote. Team Alegre can help you time it correctly.

08/25/2026

Your offer was accepted, so it’s time to buy the furniture and appliances right? Not yet. 🛑

Financing a car, opening a credit card or making another large purchase before closing can change your monthly debt and affect your credit.

Because lenders may review your obligations again before you receive the keys, new debt could delay or complicate the approval you already worked for.

The safest move is to wait until after closing or ask your loan officer before applying for credit.

Before you swipe, finance or apply, message Team Alegre.

08/23/2026

Thinking about changing jobs while buying a home? Pause before giving notice.

Your mortgage approval is based on the income and employment that were verified. Changing employers, reducing your hours, changing your pay structure or becoming self-employed may require the lender to review your file again.

That can mean additional documents, delays or changes to what you qualify for.

It doesn’t mean you can never change jobs timing and documentation simply matter.

Before accepting an offer or resigning, contact Team Alegre to review your situation.

Address

3812 W. 26th Street
Chicago, IL
60623

Telephone

+17732064576

Website

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