The time to buy and start getting prepared to buy is now.

The reason I say this is because we continue to be bombarded by texts, emails and phone calls from Real Estate Investors and Flippers of Property asking us if we have any "off-market" properties that we can offer.

“Alejandro helped me to negotiate and close a complex family real estate deal. Throughout the process, he demonstrated the utmost degree of patience, communication, and professionalism.

Having other People pay for your mortgage and therefore buy the property for you over time is the main reason Real Estate Investments have been so popular since the beginning of human civilization. 

I have read about investors in apartment buildings in Rome at the time of the Roman Empire. These were 2- to-4-story buildings where people paid rent.

The strategy was simple: you invested in a building and the cash flow from the rents paid for your living expenses and some more, building wealth over time.

Today, we refer to this wealth (in the USA) as "Equity."

Have you ever heard of a Small Business Administration (SBA) Loan?

SBA Loans are famous because they are the only type of loan that allows you to buy a commercial property with just 10% down.

If you ever thought about buying real estate for your business to operate in, an SBA Loan is a great alternative.

This email is NOT about how to obtain an SBA Loan, but rather how to get a loan that mimics an SBA loan - an alternative if you will. 

Happy Easter to you! 

Being curious about everything and a history buff, I couldn't help it but dig into the historical record to see what I could find about Easter, this is the result, I hope you enjoy it as much as I did: 

According to the Christian Gospels, the crucifixion of Jesus Christ took place during the Passover period in Jerusalem. 

The Passover, is the major Jewish spring festival which commemorates the liberation of the Israelites from Egyptian slavery, lasting seven or eight days from the 15th day of Nisan.

Nisan is the first month of the year in the Jewish religious calendar. This calendar is a luni-solar calendar (months follow the Moon, but the year is adjusted to stay aligned with seasons).

I wish I could take credit for what I am about to say, but credit belongs to a very smart savvy Realtor who explained this to me some years ago when we were working together on a transaction.

When is the best time to buy a home?

A long time ago a famous business leader said: "...An organization or an individual will spend all the money he or she thinks he has..." He then continued, "therefore in order to have any savings you need to disguise savings as necessary expenses". 

His observation of human nature is that since one is going to spend ALL the money he thinks he has (not even what he actually has, but what he THINKS he has—even worse) then, let's figure out a way to disguise savings as necessary expenses. 

This newsletter is short, simpler to understand and I am including lots of pictures.

When it comes to mortgage rates, the news are about a week behind.

I am able to supply up to the minute information because we pay a monthly subscription to a professional service and in this manner we are able to see the hour by hour changes in mortgage rates.

I would like to give you an update as to what is happening with Mortgage Rates and how you could take advantage of the current interest rate climate through 5 strategies to reduce the cost and increase the equity that your mortgage is generating for you.

In this episode of The Key to City of Angels, host Rick Albert sits down with Alejandro Szita of Prosperity Lending to break down the realities of lending in 2025—especially for self-employed borrowers, entrepreneurs, and entertainment professionals.

“Alejandro was recommended to me by my real estate lawyer. My mortgage was transferred to a different servicing company, and all of a sudden my monthly payments almost doubled. That was a very stressful situation. We’ve been in the house for 20 years, and all of a sudden we were forced into a situation where we were at risk of losing it.  

In this episode of Mortgage On My Mind, host Natalie Salins sits down with mortgage broker Alejandro Szita to break down Non-QM loans and why they are often the smartest solution for self-employed borrowers, entrepreneurs, and creatives. Alejandro explains what Non-QM really means, how conventional guidelines fall short for business owners, and why time, flexibility, and holistic underwriting matter more than chasing the lowest rate.

Every once in a while I send out a “Newsflash" email when mortgage rates sharply drop. 

This happens to be one of those fortunate occasions; this past Friday, mortgage rates suddenly and dramatically dropped to a 3-year low. 

Since mid September 2025 I started to notice a trend change in the Mortgage Market. 

I am talking about the Secondary Mortgage Market which is where Lenders sell their Mortgages in order to get the funds to fund new mortgages.

Christmas is the most beautiful time of the year! It is the time when we connect with our loved ones and everyone that shares with us our journey in Life. 

It is interesting to note that when you are in the Service Industry, that is when your livelihood depends upon servicing others, your true payment comes in the form of connection and happiness when you have contributed in improving someone else's life. This gives you the energy to continue going—no matter the obstacles.

Payment reduction, interest rate reduction, cash for business, buying a new property or investment, re-structuring debts, solving the problem of keeping a property, or negotiating with a partner of family member who wants to sell rather than hold, or a property needs substantial maintenance and repairs creating uncertainty as to what to do next, are examples of what we routinely do for our customers. 

I mention this because in the process of helping people obtain mortgages, we have run into the above and have provided solutions that then allowed our clients to get their loans funded.

What if you could walk into a bank, show them your bank statement and get immediately approved for a no-hassle mortgage?

Without having to show tax returns, explain what you do for a living, show that you are currently working or even getting paid anything, nor bring tons of paperwork or justify every single enquiry on your credit report?

You may have seen the news that mortgage interest rates recently again dropped dramatically and are now the lowest since September 2024. The Freddie Mac website currently lists the 30-year fixed rate at 6.19% (with a regularly documented, tax return loan), and 15-year fixed is even at 5.44%.

"I love Alejandro. I have a good rapport with him. I met Alejandro a couple years back on a real estate project. That deal didn’t work out unfortunately, but I kept him in mind for several years. And I called him when I had a new scenario recently, and we got it done.  

“He is very professional and very personable. It’s rare to find that, I think. I find him very honest—he’s a really good guy. When I work with Alejandro, it’s fun and it feels like I’m working with a buddy.

A mortgage has 3 items that are directly under your control. 

Modifying any of these items:

• Changes your Rate

• Changes the amount of Interest you Pay

• Changes the duration of the Mortgage

The three items that are under your control and you can change are: