Berto Armando Perez - Real Estate Loans

Real Estate, Home Loans, and Loan Modifications throughout the entire state of California.

A full service real estate and mortgage company, servicing the entire state of California

In December 2012, I started my career in the mortgage industry working as a processor for home loan modifications. We helped many people save their homes from foreclosure, and getting them stable and beneficial loan modifications on their home loans. In April 2013, I obtained my real estate license, but continued to remain focused in loan modifications. In Nov 2015, I obtained my mortgage license, and now am actively working in the loan industry as a mortgage officer for a mortgage brokerage. I now work on both real estate loans and mortgage modifications throughout the entire state of California. Bring me your scenario, and let's see what we can do for you.

Real estate and mortgages throughout the entire state of California


Right? 🤣

Is Now a Good Time to Refinance a Mortgage?

I've said it many times, rates have been on a slow decline for well over a year.

Don't think these rates will always be around, or will come back. No one can predict what will happen.

Do not wait any longer!!

(323) 481-6304 to buy or refinance today. With record low interest rates, now may be a good time for federal employees to refinance their mortgage. Federal benefits expert, Ed Zurndorfer, provides four questions to help guide your decision...

Fannie and Freddie will now buy loans in mortgage bailout program, in a bid to loosen lending

Not sure if I shared this article.

Nearly 2 weeks old, but this article's main point, Fannie and Freddie would buy new mortgages that were headed for immediate forbearance, right after the loan closes.

This allows money to be freed up for making more loans, allowing homeowners and home buyers to still be able to take advantage of these low rates.

(323) 481-6304 The Federal Housing Finance Agency, regulator of Fannie Mae and Freddie Mac, announced that the two mortgage giants will now buy home loans that go into the government's forbearance program just after they close.

Fannie Profit Plummets; Forbearance Fears Confirmed Given their respective sizes, the economic dislocation created by the COVID-19 pandemic appears to have hit Fannie Mae harder than its competitor GSE Freddie Mac. Fannie Mae said on Friday that it had total comprehensive income of $0.476 billion in the first...

What to do if you can't afford to pay your mortgage right now

A few weeks ago, I shared a post from a fellow MLO that operates on the east coast, and he gave a great, direct explanation of what can happen with forbearance, and how it can turn on you by the banks.

My experience, from my days doing loan modofications, the banks don't always work the way they should, and most people assume a single denial is the final word.

How to setup the paperwork properly, speaking to the banks, that does take experience.

If you're experiencing hardships in making your mortgage payment, call today, and do not hesitate.

(310) 621-0101 for Jimmy Lee Maxwell

(323) 481-6304 for myself. With more than 30 million Americans losing jobs or businesses and others forced to take pay cuts, making monthly rent and mortgage payments has become increasingly difficult. Viewers share their challenges, and John Yang talks to the National Consumer Law Center’s Diane Thompson, formerly of the C...

You would think that during this pandemic, refinancing your home is impossible.


If you currently have an FHA or VA home loan, call me to take advantage of an FHA or VA streamline refinance.

15-21 day turn around time, NO APPRAISALS!!

Don't take today's low rates for granted.

(323) 481-6304

The Lighter Side of Real Estate


Fannie Mae: Home sales will decline by 15% in 2020 due to coronavirus, but what will happen to property prices?

It should be noted, rates have been on the downward trend for over a year now.

Also, many analysts don't believe there will be a housing crash that will cause values to dive.

Due to the pandemic, the FHFA has released adjusted guidelines for appraisals and verifying income.

Call me today to get your refinance started.

(323) 481-6304 Meanwhile, low interest rates are expected to keep mortgage refinancing volumes high throughout the year.

Mark Cuban: 'Banks are playing' games on loans, leaving small businesses 'out in the cold'

Definition taken from --"A mortgage lender overlay is qualification requirement applied by a lender that exceeds the standard qualification guidelines for a loan program. Borrowers should think of lender overlays as an extra layer of guidelines they must meet to qualify for a mortgage. In short, applying overlays means that lenders use tougher borrower qualification requirements than they are required to according to general mortgage industry guidelines."

Make no mistake, Mr. Cuban is talking about lender overlays, which he is essentially saying will cause considerable damage to the economy.

The government, and the program itself, makes it easy for businesses to get the money. It's some of the banks and lenders that are making it difficult. Keep in mind, there are banks and lenders out there that aren't implementing overlays to the #PPP.

What impact do these overlays on the #PPP have on mortgages and real estate? If businesses cease to exist because they don't have the funds to survive in this pandemic crisis, those who work for those businesses are unemployed. If they're unemployed, they won't be able to pay their mortgages, which leads to rising defaults, leading to foreclosures. The billionaire entrepreneur and "Shark Tank" investor said Monday that the recently launched small business loan program has been beset by challenges.

Mortgage rates are near record lows, but home buyers may face an uphill battle in securing them

In this article, they do state that rates are expected to go lower later in the year.

However, that depends if things stabilize overall due to the Coronavirus, but how low will rates go, that truly is anyone's guess.

Call me now to get your FHA or VA loan in California refinanced without an appraisal.

(323) 481-6304 Given the volatility of mortgage rates in recent weeks, time is of the essence for those looking to secure cheap home financing.

Real estate added to federal list of essential sectors amid coronavirus outbreak

Hi everyone.

On March 30th of this year, I made a fairly lengthy post concerning what the morning news had reported. (see here: )

At the time I was unable to post any links to supporting articles, mostly due to having internet problems that weren't resolved until this past Sunday.

Below you'll find two links. The first will take you to the news segment that I had watched myself. The second is an article from a week earlier, that I felt is related to my previous posts, and is certainly related to what's going on.

During times like these, it's still very possible to refinance your existing FHA or VA loan, and you can do it with NO APPRAISALS!

Call me to get started: (323) 481-6304 The Cybersecurity and Infrastructure Security Agency updated over the weekend its list of essential sectors during the COVID-19 outbreak, adding, among others, real estate services. The outbreak ha…

Fannie, Freddie Unlikely to Aid Mortgage Companies as Payments Dry Up, FHFA Chief Says

You may need to pay to read the article. If you're unable to read the article, please post in the comments and I'll see about finding another source.

For refinancing, and now even foreclosure alternatives, call me ASAP: (323) 481-6304 A top U.S. housing-market regulator said he isn’t likely to heed mortgage companies’ calls to help ease the cash-flow crunch they are expecting when Americans who lose their jobs stop making mortgage payments amid the pandemic.

[03/30/20]   KTLA Channel 5 just reported, on the 6am news, that real estate has been added to the Essential Business list, but have stated that with the epidemic affecting the world right now, and many people practicing Social Distancing, that sales have already been noticeably affected, causing many buyers to pull out, and sellers adjusting the sales price down, in order to close.

Even with interest rates coming down, the number of home purchases has come down across the state, if not across the nation.

They also reported that many are concerned that, if sales of homes continue to be negatively impacted, it could lead to another real estate crash, forcing values to drop.

Here's my take:

There is the potential that values could be negatively impacted if this situation drags on, since the most effective way to sell a home is to have potential buyers walk through the home they are thinking of buying. If more and more buyers pull out of the market, we go from even a balanced market to an undeniably buyer's market.

Could this cause foreclosures to rise? In and of itself, no. What will cause foreclosures to rise is if people are unable to get back to work before their savings run out.

Now, referencing a post I made last week concerning Governor Newsom's announcement of trying to get all of the banks that do mortgages in California to agree to a 90-day grace period, unless anything changes, or other actions taken to protect homeowners, once these grace periods are over, the banks and lenders will demand the mortgage payments be made and the loan brought current. Many people won't be able to absorb that kind of shock, so that could definitely trigger foreclosures to rise.

Already, some lenders that I have worked with in the past, and still market to me, have mentioned an uptick in foreclosure activity.

My advice, continue to make your mortgage payments, if you can.

Should you find yourself facing the beginning of foreclosure proceedings, call me. I spent the first 2 years of my career helping many homeowners in the same situation.

(323) 481-6304

In the meantime, if you have an FHA or VA loan, call me, and together we will see if a refinance, with today's rates, can lower your payments. NO APPRAISAL NEEDED ON FHA AND VA REFINANCES.


When I find an article that addresses what KTLA reported this morning, I'll share it with all of you

AIME Association of Independent Mortgage Experts

Here are 5 things homeowners need to know about forbearance options due to COVID-19. Share this with your community of homeowners to keep them informed 👇

On the surface, this seems pretty nice.

Here are the underlying issues that Newsom and even the media won't tell you.

1.) There are a ton of different lenders and servicers operating here in California. While some of these are DBAs under the big banks, many of them are independent of the big banks. There's been no indication whether the various lenders and servicers are even on board, and believe it or not, they service more mortgages, NATIONWIDE, than the big banks do.

2.) If I'm right, this grace period only really applies to Qualified Mortgages, meaning Fannie Mae, Freddie Mac, FHA, VA, and USDA loans. It doesn't help people who have jumbo loans because their loans were above the highest limit for their county when they got their loans. Here in California, many homes purchased in the last several years have exceeded the FHFA maximum loan amounts for high balance loans, and therefore, those buyers had to get jumbo loans, which are Non-QM. Also, there are many others that got their loans through alternative qualification means, such as self-employed borrowers, who used the Bank Statement program instead of more conventional financing, to buy the homes they live in. I will not get into the loans that real estate investors and landlords sometimes use to buy properties, as I'm focusing on owner occupied properties.

3.) From some of the comments I've been seeing, this grace period, once it ends, requires the homeowner to pay the entire amount in full, including the current mortgage payment. What does that mean? If you take advantage of the 90-day grace period, simply put, you'll need to pay 4 months of payment, AT ONCE AND IN FULL, in order to avoid late fees and back payment charges. While people like myself can help negotiate some of that nightmare away, it isn't always successful, and depending on the agreement they made with Newsom, they could be immune to civil lawsuits if they decide to go after homeowners after this whole mess is over.

BREAKING: Governor Newsom said most banks have agreed to allow customers to miss their mortgage payments for the next 90 days if they were affected by the coronavirus outbreak, adding that Bank of America would agree to 30 days. MORE:

Fannie Mae, Freddie Mac, HUD suspending all foreclosures and evictions

An article on my post yesterday. The federal government is taking action to keep people in their homes by suspending evictions and foreclosures due to the spread of the coronavirus.

[03/21/20]   Just watching the news right now, and Dr. Ben Carson just said that all FHA evictions and foreclosures are on hold for 60 days, and the FHFA (not FHA) is taking identical measures.

Also, efforts are being made to get Non-QM loan holders and servicers on the same boat as well, and HUD is working with Congress to possibly pass legislation to help with that matter.

If you currently have a home loan that is not FHA, VA, USDA, Fannie Mae, or Freddie Mac, contact your loan servicer immediately, to to help avoid late payments and foreclosure, so your credit and payment history are not negatively affected during this epidemic.

Your servicer is the company you send your monthly mortgage payments to, and working with them is free. YOU must do this, it won't be taken care of for you.

[03/21/20]   Did you know?

If you have an FHA or VA mortgage, you can refinance relatively quickly, with minimal documents required, and, the best part, NO APPRAISAL NEEDED!!

With the current pandemic, you can refinance your home, without needing an appraiser coming to your home!!

(323) 481-6304

Call me to get started.

A little real estate humor in these challenging times.


With technology these days, it's easy to refinance your home, from the comfort of your home.

Refinance your home today, so you can save money each month

(323) 481-6304 to get started, or to get answers to loan questions you may have.

California home loans.

Fed slashes rates to near zero, eases bank lending rules The Federal Reserve took emergency action Sunday and slashed its benchmark interest rate by a full percentage point to nearly zero and announced it would purchase more Treasury securities to encour…

[03/12/20]   Happy Thursday, everyone.

With the concerns over the Coronavirus, I've been seeing posts from other agents of both sellers and buyers, backing out of either listing their homes or seeing a home, over fears of getting sick.

With those concerns in mind, here's a little tip for you to keep in mind if you're currently selling, buying, or refinancing your property.

If your agent or loan officer needs a document physically signed, but you have no way to scan it in and email it from home, and you don't want to head to a place to scan it or fax it, there's an alternative.

Make sure you have either your agent's or loan officer's email address. Take the document, place it on a clean, flat surface, that is well lit. Make sure to take a picture of the entire page with your phone, and make sure the image is clear.

From your phone, email the image to your agent or loan officer. As long as we can zoom in and read it clearly, we can still use it.

I've had clients in the past send me documents this way. As long as I was able to read every word, I never had a problem with getting the file done for the client.

This tip may be a no-brainer to some, but to others, it may never occur to them to send documents this way.

Stay safe, everyone.

Take care, and God Bless.

[03/09/20]   With all the turmoil on the stock market currently, first with the coronavirus scare, and now with the oil price war, I have to be honest, I have no idea how this will eventually affect real estate values.

If you've been following the news, the market is down, and, just today, the Fed made an emergency rate cut, and the market still went down.

All this turmoil has been causing investors to head back into the bond market, which has driven mortgage rates down.

This is the OPTIMUM time to buy or refinance.

(323) 481-6304

What’s a 15 vs. 30-Year Mortgage?

15 year loans always, ALWAYS, have lower interest rates, but the payments are ALWAYS higher, when compared to a 30 year loan.

Why get a 15 year loan then? Two reasons.

One, again, rates are lower for 15 year loans, so you're spending far less money on interest.

Two, you pay your home off faster. Mortgages come in different flavors—conventional fixed-rate, adjustable rate, FHA, VA, 15-year, 30-year and more.

Variable or fixed mortgage rate: What's the difference and which one to choose?

Is Buying a House with Bad Credit Possible?

There are other alternatives if you have less than ideal credit.

For example, if you're 1 day out of a bankruptcy, short sale, or foreclosure, there are loan programs that you can take advantage of to buy a home. These will not give you great rates and terms, but you will be able to buy a home again fairly quickly, and rebuild your credit as you do so.

Click the link or call me at (323) 481-6304 to explore your options. If you’re tired of throwing away your hard-earned money on rent each month, you may be ready to buy a home of your own and begin building equity.

My Story

In 2012, when foreclosures were still rampant, I decided to get into the general Real Estate and Home Loan business, working in Loan Modifications. I worked with one of the few honest people I’ve met in this business, and together, he and I helped saved the homes of a number of people. I learned that the most important aspect of this business is people, and treating them right.

During my time in this industry, I’ve learned a lot about this business, about the possibilities there are for people looking to buy or sell a home, but also about the more shady aspects of my industry. I am always learning something new about real estate and home loans, and I share that knowledge and information with you, without hesitation.

I always offer free loan advice to clients and consumers. No gimmicks, just information. I’ve seen too many people that have been victimized in the past, and I can never treat my clients that way.

Treat people the way you want to be treated. That’s how I approach this business.

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Videos (show all)

March 22, 2019 - What to do to protect yourself if you rent.
January 6, 2019 - An update on Reverse Mortgages...
December 12, 2018 - A report on Loan Modification Fraud
July 28, 2018 - Adjustable Rate Mortgages
July 27, 2018 - What's going on with home prices and home sales?  Watch and you decide....
FHA and VA Loans - LoansByArmando
Feb. 15, 2018 - Refinancing Your Home
Jan 8, 2018 - Answering Questions About Reverse Mortgages
Dec 13 2017 - Changes to Reverse Mortgages and 2018 Maximum Lo...
Dec 7 2017 - Exciting news!!





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