Rane, sold a property of mine and represented the buyer as well. She did an excellent job getting me top dollar and went the extra mile in getting all this done. It was a difficult transaction and she didn't give up until we were both happy. She was always available for any updates and very professional. She's not only a great realtor but will shop around for the best loan for you!
Mortgage Lending
Put the financing beside the property decision.
Rané is a licensed Mortgage Loan Originator who can discuss pre-qualification, residential and commercial mortgage options, and the timing between financing and a real-estate transaction. Mortgage services are available in California only.
A Direct Conversation
Start with what you are trying to finance.
The useful starting point is the property, how you plan to use it, what funds are available, and the payment or timing questions you need to resolve. Rané can review that context, discuss possible financing routes, and identify the information needed for the next conversation.
What the first review covers.
Pre-qualification is an early review. It is not approval or a commitment to lend.
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Define the goal
Identify the property type, intended use, purchase or refinance goal, preferred timing, and the questions that need an answer.
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Review the numbers
Discuss income, available resources, financial obligations, qualification factors, and the payment range under consideration.
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Compare possible routes
Review financing categories that may fit and the documents or lender requirements that would need closer evaluation.
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Plan the next step
Decide whether to gather more information, speak with a lending channel, or coordinate financing timing with a property search or transaction.
Financing Conversations
Conventional and jumbo
Discuss financing for primary homes, second homes, and higher-priced residential properties under current lender requirements.
Financing Conversations
FHA, VA, and USDA
Review whether a government-backed program may fit the borrower, property, occupancy, and location.
Financing Conversations
Investment and DSCR
Talk through financing for investment properties, including options that may evaluate rental income as part of qualification.
Financing Conversations
HELOC and refinance
Discuss borrowing against available equity or replacing an existing mortgage when the goal and current terms justify a review.
Financing Conversations
Bridge financing
Explore short-term financing questions when the timing of a purchase and the sale of another property overlap.
Financing Conversations
Commercial property
Start a fact-specific conversation about financing for qualifying commercial or mixed-use real estate.
Real Estate and Lending
Financing can change the property plan.
A payment target can narrow the search. A loan condition can affect the offer or closing schedule. Equity in another property may shape the timing. Because Rané works in both real estate and mortgage lending, those questions can stay close to the transaction while each service keeps its own terms and required agreements.
Independent Providers
Insurance connections.
When useful, Rané can introduce independent insurance providers. Insurance products are offered by those providers, not Aguilar Team or Century 21 Masters.
Client Experience
Financing discussed as part of the purchase.
Rane helped us get our first house. she walked us through the entire processes and helped facilitate the financing. I very good realtor, very knowledgeable and very professional.
Licensing and Disclosures
Verify mortgage licensing.
- Rané Aguilar, Mortgage Loan Originator
- California DRE #02216241
- NMLS #2636252
- Full Realty Services Inc, responsible broker · DRE #01849354
- Broker NMLS #241835
Rané Aguilar, NMLS #2636252. Verify on NMLS Consumer Access. Responsible broker Full Realty Services Inc. Real estate broker, California Department of Real Estate. Mortgage services are available in California only. Loan programs, rates, terms, and approval depend on lender requirements and borrower qualifications. Nothing on this site is a commitment to lend.
Start with Your Questions
Discuss the property, the numbers, and the timing.
Apply through the 21st Century Lending application portal, or request a consultation with Rané about the financing questions in front of you. Mortgage services are available in California only. You can also call Rané if you prefer to start there.