Homes by Lovelyn Moreno

Homes by Lovelyn Moreno Real Estate - Mortgage Loan and re-financing - Property Investment - Your dream home

06/17/2026

๐Ÿก๐Ÿ’ฐ A 3% down payment might be all you need to take the first step toward becoming a homeowner!

You donโ€™t have to wait years to get startedโ€”your dream home could be closer than you think. ๐Ÿ”‘โœจ

๐Ÿ“ž Donโ€™t waitโ€”contact us today and letโ€™s explore your options and get you moving toward homeownership! ๐Ÿš€๐Ÿ \

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS:2500809

๐Ÿกโœจ

06/16/2026

๐Ÿ ๐Ÿ’ก Thinking about house hacking? Read this before you jump in!

House hacking can be a powerful way to build wealthโ€”but only if you do it right. ๐Ÿ“ˆ

๐Ÿ“ **Check zoning & local rules first**
ADUs, short-term rentals, and multi-family use vary by city and neighborhood. Whatโ€™s allowed one street over might not be allowed on your property. Avoid unpermitted setupsโ€”they can turn into costly legal headaches later.

๐Ÿค **Be real about the lifestyle fit**
Youโ€™re not just buying a homeโ€”you may be sharing it. Whether itโ€™s tenants or family, this requires boundaries, communication, and comfort with occasional tough conversations.

๐Ÿ“Š **Run conservative numbers**
Donโ€™t rely on perfect conditions. If the deal only works with 100% occupancy, itโ€™s risky. Build in vacancy, maintenance, and real-world expenses.

Smart planning upfront = fewer surprises later and stronger long-term returns. ๐Ÿ’ฐ๐Ÿ”‘

๐Ÿ“ž213.407.0043
โœ‰๏ธ[email protected]
๐Ÿ†”DRE:02181522

06/16/2026

๐Ÿก๐Ÿค Real Estate Agents: Letโ€™s connect!

Join us for a 1-day trip to UWM, the #1 mortgage lender in the nation ๐Ÿ“Šโœจ

If you share our goal of creating a smoother, less stressful homebuying experience for clients, this is a great opportunity to collaborate, learn, and grow together. ๐Ÿš€

๐Ÿ“ฉ Message us today if youโ€™re interestedโ€”weโ€™d love to connect and bring more value to our clients in the homebuying journey! ๐Ÿ”‘๐Ÿ 

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS: 2500809

๐Ÿคโœจ

06/15/2026

๐Ÿก๐Ÿ’ณ Did you know?

Just by paying your mortgage, you could earn points that can be redeemed for groceries, dining, travel, and more! โœˆ๏ธ๐Ÿฝ๏ธ๐Ÿ›’

Imagine turning your monthly payments into real-life rewards while building equity in your home. ๐Ÿ”‘๐Ÿ“ˆ

๐Ÿ“ž Give us a call today to learn how you could get a mortgage with Built-In Rewards and start maximizing every payment!

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS: 2500809

๐Ÿกโœจ

06/12/2026

โฐ๐Ÿก More time in the day means more time for us to focus on what matters mostโ€”helping you reach your homeownership goals!

Whether you're buying, refinancing, or just exploring your options, we are here to make the process easier and stress-free. ๐Ÿคโœจ

๐Ÿ“ฉ Reach out today and letโ€™s get started on your journey to homeownership! ๐Ÿ”‘๐Ÿ 

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS:2500809

๐Ÿก๐Ÿ’ผ

06/11/2026

๐Ÿ˜๏ธ๐Ÿ’ก Want to know the *original* house hack? Itโ€™s still one of the most powerful strategies in 2026.

Buy a duplex, triplex, or small multi-family property ๐Ÿก
Live in one unit ๐Ÿ›๏ธ
Rent out the others ๐Ÿ’ฐ

Simple concept. Long-proven results. ๐Ÿ”‘

And it still works today.

Hereโ€™s why more buyers are using it:

๐Ÿ  FHA loans allow up to 4 units with as little as 3.5% down (owner-occupied)
๐ŸŽ–๏ธ VA loans offer 0% down for eligible veterans
๐Ÿ“Š Freddie Mac Home Possible allows as low as 3% down for qualified buyers

The reality? Financing is more accessible than most people think.

For buyers willing to share a property line with tenants, the benefits can be powerful:
๐Ÿ’ฐ Higher income potential than many ADUs
๐Ÿ“ˆ Strong long-term wealth building
๐Ÿก Lower effective housing costs

This strategy isnโ€™t new โ€” itโ€™s time-tested. And in 2026, itโ€™s still one of the smartest ways to break into real estate investing.

If youโ€™re serious about house hacking, donโ€™t overlook the classic approach. ๐Ÿ”‘

๐Ÿ“ž213.407.0043
โœ‰๏ธ[email protected]
๐Ÿ†”DRE: 02181522

06/11/2026

๐Ÿก๐Ÿ’ฐ You could score BIG savings working with a mortgage broker like me!

Why go through the stress alone when you can have expert guidance every step of the way? ๐Ÿคโœจ

๐Ÿ“ž Give us a call today and letโ€™s advance your homebuying journey togetherโ€”your dream home might be closer (and more affordable) than you think! ๐Ÿ”‘๐Ÿ 

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS:2500809

๐Ÿก๐Ÿ“ˆ

06/10/2026

๐Ÿ“ž๐Ÿก Give us a call if you're ready to tackle the next big chapter in your life: HOMEOWNERSHIP!

Whether you're buying your first home, upgrading, or exploring your options, we are here to guide you every step of the way. ๐Ÿ”‘โœจ

Letโ€™s turn your goals into keys in hand! ๐Ÿ ๐Ÿ’ผ

๐Ÿ“ฉ DM us or call today to get started!

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS:2500809

๐Ÿ”‘๐Ÿก

06/09/2026

๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ๐Ÿก Multi-generational home buying hit a record high in 2024 โ€” and the numbers are telling a bigger story.

๐Ÿ“Š 14% of all home purchases were multi-generational
๐Ÿ“ˆ Gen X led the way at 19%

This isnโ€™t just a trend. Itโ€™s a structural shift in how families are choosing to live.

Among these buyers:
๐Ÿ’ฌ 41% said the main reason was to care for or support aging parents โ€” the highest level since 2015
๐Ÿ’ฌ 23% wanted to spend more time with their parents

For Gen X especially โ€” often balancing aging parents and adult children โ€” multi-generational living solves real challenges at once:
๐Ÿ  Caregiving support
๐Ÿ” Privacy within the home
๐Ÿ’ฐ Shared housing costs

House hacking isnโ€™t always about renting to strangers. Sometimes itโ€™s about sharing a home โ€” and the financial responsibility โ€” with the people who matter most. โค๏ธ

๐Ÿ”‘ When structured right, it becomes more than a housing choice โ€” it becomes a strategy for stability.

๐Ÿ“ž213.407.0043
โœ‰๏ธ[email protected]
๐Ÿ†”DRE: 02181522

06/09/2026

๐Ÿ™‹โ€โ™€๏ธ๐Ÿ™‹โ€โ™‚๏ธ Comment below if this sounds like you!

๐Ÿก Dreaming of buying a home
๐Ÿ’ฐ Looking to refinance
๐Ÿ“ˆ Wanting to build wealth through real estate
๐Ÿ”‘ Ready to take the next step toward homeownership

No matter where you are in your journey, we can help you reach your goals! ๐Ÿš€

Drop a ๐Ÿ‘‡ in the comments or send us a message to get started!

๐Ÿ“ฒ213.407.0043
๐Ÿ†”NMLS: 2500809

๐Ÿกโœจ

Address

1299 Columbia Avenue , Ste E1
Riverside, CA
92507

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