Sam Mahshi, MBA - Certified Mortgage Advisor

Sam Mahshi, MBA - Certified Mortgage Advisor www.loanfunderpro.com

Mortgage planning for homebuyers, homeowners and real estate investors. NMLS #236648 As a Sr.

Typically, your home is the largest purchase you will make in your lifetime. It is important to have a mortgage program that compliments your financial goals and needs, including retirement, home improvement, and child education plans. You deserve to be thoroughly informed about your options and treated with the utmost respect, regardless of your credit history. I specialize in mortgage planning f

or both you and your family’s future, providing you with a personal touch of customer service, in-depth analyses and knowledge gained by 18+ years of experience in real estate financing. I hold an MBA in Management from Golden Gate University, 1997 and a B.S. degree in Marketing from Sacramento State University, 1990. Mortgage Consultant with Bridgepoint Funding, I hold a California Department of Real Estate license and have access to a wide array of mortgagee programs and companies, offering competitive rates. Enjoy the website, www.loanfunderpro.com and its mortgage tools for your information. Please contact me by phone, by email or by applying today on my website for a free mortgage analysis and qualification.

The answer is: Maybe. Credit is just one of the items that a mortgage decision is based on. There are several programs d...
06/16/2026

The answer is: Maybe. Credit is just one of the items that a mortgage decision is based on. There are several programs designed for clients with limited credit. To know for certain, you will need to speak with a mortgage professional, who is trained to find your specific answer to this all important question.

Yes, putting 20% down can help you avoid PMI — but it also means tying up a much larger amount of cash upfront.For some ...
06/15/2026

Yes, putting 20% down can help you avoid PMI — but it also means tying up a much larger amount of cash upfront.

For some buyers, putting less down can actually be the stronger move because it leaves more room for:

💰 Emergency savings after closing
🛠 Repairs, furniture, or unexpected home expenses
📈 Investments or other financial goals
😌 Flexibility and breathing room month-to-month

And here’s something many buyers don’t realize: PMI isn’t always permanent. Depending on the loan and your equity position, it can often be removed later.

This is exactly why I spend so much time walking buyers through the tradeoffs instead of just throwing out generic advice online.

The “best” option is the one that supports your long-term comfort, goals, and lifestyle — not just the one that looks best on paper.

If you’ve been trying to figure out what down payment strategy makes the most sense for you, message me DOWN and let’s walk through the numbers together.

This is one of the most common (and most vulnerable) questions I hear from potential homebuyers.If you’re a freelancer, ...
06/15/2026

This is one of the most common (and most vulnerable) questions I hear from potential homebuyers.

If you’re a freelancer, business owner, contractor, commission-based employee, or someone who’s had job changes in the last few years, it’s easy to assume homeownership is off the table.

Especially right now, when nothing feels “traditional” anymore, here’s what I want you to know:

Not having a W-2 doesn’t automatically disqualify you.

But it does mean the strategy matters more.

When I work with customers who have non-traditional income, we look at things like:

• Two-year income trends (not just one strong month)
• Business write-offs and how they impact qualifying income
• Bank statements and documented deposits
• Debt structure and monthly obligations
• Whether waiting 3–6 months could actually improve approval odds

Sometimes the answer is “yes, you’re ready now.”
Sometimes it’s “you’re closer than you think — here’s what to tweak to get you there.”

Either way, you deserve clarity — not assumptions.

And the biggest mistake I see? People ruling themselves out before ever having the conversation.

If your income isn’t cookie-cutter and you’re wondering where you stand, message me INCOME so we can look at your real numbers and build a plan together.

06/11/2026

If your parents own a home, your family should do this right now to save months of headaches and tens of thousands of dollars down the road.

We are talking about real estate inheritance planning and most families put this conversation off until it is too late. If you do not plan ahead, inherited property goes through probate which freezes the home, can drag on for months, and costs thousands in fees before anyone sees a dime. I have watched families lose significant time and money simply because nobody had this conversation early enough.

Here is how to get ahead of it. Step one: ask your parents how their home is currently titled. Is it under both names, just one name, or held in a living trust? A living trust is the best way to transfer the home directly to heirs without going through probate at all. Step two: get aligned as a family now while it is still a planning conversation rather than an emotional one. Who wants to keep the home? Who wants to sell? Would one sibling buy the others out? Deciding this now is a completely different and far easier conversation than deciding it while grieving. Step three: talk to a tax professional about the stepped-up cost basis. This is one of the most powerful and most overlooked wealth transfer tools in real estate. It can dramatically reduce or even eliminate capital gains tax when the property is eventually sold. Most families leave significant money on the table simply because nobody told them this existed.

Do not let this be your family's situation. Send this to your parents or siblings. Comment PLAN for more details or visit loanfunderpro.com to get started.

06/09/2026

Here is the good news agents should be sharing with their clients right now: buyers have not disappeared. They have just become more selective and there is a meaningful difference between those two things.

Purchase mortgage applications are still running higher than last year. That tells us people are actively trying to buy homes even with all the noise around affordability and rates. The demand is there. What has changed is the behavior. Buyers are not chasing every listing that comes to market. But they are absolutely still moving when the home, the price, and the monthly payment all make sense together.

So if a seller is feeling like the market is frozen, the more accurate and more useful message is this: the market is not dead. It is selective. Serious buyers are out there every day. They are just more intentional about what they will commit to and less willing to rationalize a purchase that does not pencil out.

What that means in practice is that pricing, presentation, and strategy matter more than ever right now. A well-priced home that shows well and is marketed strategically is still finding buyers. An overpriced home that is waiting for the market to come to it is accumulating days and losing leverage with every week that passes.

Reach out if you want to talk through how to position your clients for success in this environment.

Did you know? Opening new lines of credit lowers the average age of your total accounts, which can actually lower your s...
06/06/2026

Did you know? Opening new lines of credit lowers the average age of your total accounts, which can actually lower your score overall. Not sure what the right next steps are to boost your credit? Let's chat!

05/27/2026

Can you refinance a reverse mortgage? Absolutely! 🎉 If your home's value has risen and you have enough equity, refinancing could increase your funds or lower your interest rate. But don't forget, you need to weigh the benefits against any closing costs.

Curious if refinancing is right for you? I'm here to help. Consultations are always part of what I offer, so let's chat about making the most of your financial future. Need guidance? Reach out in a direct message or visit loanfunderpro.com for more info.

Got questions or need personalized advice? Go ahead and drop them in the comments. Don't forget to follow for more tips to make informed mortgage decisions.
https://myoc.io/

You’ve probably heard that home equity is a valuable asset — but do you know how or when to use it to your advantage?Whi...
05/24/2026

You’ve probably heard that home equity is a valuable asset — but do you know how or when to use it to your advantage?

While it’s always a good idea to consult with a financial advisor before making big decisions, here’s a general rule of thumb:

Equity can be a powerful tool when used to invest in your future — like funding home improvements, purchasing another property, or using it for your next home.

But if you're unsure, letting it continue to grow might be the smarter move.

Whether you're thinking about selling, refinancing, or just curious about where you stand — I’m here to help you understand your options and create a plan that works for you.

Message me “EQUITY” and let’s talk about where you're at and what your next steps could be.

If I'm being honest, most of the “mistakes” buyers worry about come down to not having the right guidance early on.✅ Tim...
05/22/2026

If I'm being honest, most of the “mistakes” buyers worry about come down to not having the right guidance early on.

✅ Timing the market – Waiting for rates to drop might feel safe, but rising home prices can wipe out any “savings.” I help you see the full picture so you don’t miss out on the right home.

✅ Rate vs. payment – A low rate sounds great… until you realize the payment doesn’t fit your life. I break down everything — taxes, insurance, and all the little costs — so you know what you can truly afford.

✅ Affordability myths – Many buyers qualify for low-down-payment programs or assistance they didn’t even know existed. I’ll help you explore every option so you’re not leaving money on the table.

Buying a home shouldn’t feel like a gamble. With me, you get real numbers, a clear plan, and guidance every step of the way — no confusion, no pressure.

💬 Ready to feel confident about your next move? Message me today and let’s start the conversation.

Address

210 Porter Drive #200
San Jose, CA
94583

Telephone

+19253481851

Website

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