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Francys | Mortgage Loan Officer

@financewithfrancys

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Helping first-time homebuyers, homeowners & investors make smart financing decisions. 🏡💰 | NMLS #2790047 | 📍Southern California

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✨ Introducing Finance With Francys ✨

A new chapter. A bigger vision. And a whole lot of learning, growing, and helping people make smart moves with their money and real estate. 🏡💰

I’m Francys, and I’m here to make financing feel a little less intimidating and a lot more understandable.

Whether you’re buying your first home, investing, or simply trying to understand your options — I’m here to help you navigate it.

Welcome to Finance With Francys. 🖤✨

Let’s build something. taken in Los Angeles, California by @financewithfrancys

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2 months ago

🏠💰 ¿Tienes una propiedad de inversión o estás pensando en comprar una?

Conoce los préstamos DSCR.

DSCR = Debt Service Coverage Ratio
(Razón de Cobertura del Servicio de la Deuda)

Este tipo de financiamiento se enfoca en el ingreso por renta de la propiedad para ayudar a cubrir la deuda.

Si tienes excelente crédito, capital/equidad e ingreso por renta, hablemos. 👀

Tu propiedad puede trabajar para ti.
📲 Pregúntame sobre los préstamos DSCR.

Estoy aquí para ayudarte a construir tu patrimonio. 🩷🏠 taken in Monrovia, California by @financewithfrancys

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2 months ago

STRONG. SMART. STRATEGIC. 💪🏽🏠💰

If you’re an investor, you need to know about DSCR loans.

DSCR = Debt Service Coverage Ratio — a financing option that focuses on the property’s ability to generate rental income to support the debt, rather than relying solely on your personal income.

So if you have:

✔️ Great credit
✔️ Equity / down payment
✔️ A property generating rental income

…it may be worth exploring.

You’ve worked hard to build your portfolio. Let’s put your real estate to work.

📲 Ask me about DSCR loans.
I’m here to help you build. 🩷 by @financewithfrancys

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2 months ago

Puro Infierno le doy 🤣🤣🤣🤣

#coupleshumor by @financewithfrancys

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12 hours ago

💛 Referrals mean the world to me! 🏡🔑

Know someone looking to buy, refinance, or invest in real estate? Send them my way! I’d love to help them explore their financing options. ✨

📩 DM me anytime!

Finance With Francys | NMLS #2790047

#financewithfrancys #mortgagesolutions #realestate #referralswelcome by @financewithfrancys

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13 hours ago

❤️ This is more than just a race to me. It’s about honoring a beautiful mission, supporting future nurses, and helping dreams become reality through the Bonnie Fang Foundation. 🩺 Every step carries a purpose, and every mile reminds me that running can make a difference beyond the finish line. This will always be one of the most meaningful races to my heart. 🏃‍♀️❤️ by @financewithfrancys

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🏃‍♀️❤️ RUN WITH PURPOSE. MAKE A DIFFERENCE!

Calling all RUN CLUB LEADERS, RUNNERS & COMMUNITY CHAMPIONS! 📣

The Bonnie Fang Foundation is looking for passionate individuals to join the 2026–2027 Nurses Rock Community Ambassador Program!

This is more than running. It’s about building community, inspiring others, giving back, and helping support the next generation of nurses. 🩺❤️

You don’t need to be the fastest runner or have a huge following. Just bring your passion, positive energy, and heart for community!

📅 Applications close October 22, 2026!

🔗 Apply at helphopehonor.org

Tag a run club leader or someone who would make an amazing ambassador! 👇

#NursesRock #BonnieFangFoundation #RunWithPurpose #CommunityAmbassador #RunClub RunnersGivingBack NursesRock2027 by @financewithfrancys

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2 days ago

🏡 IF OTHERS TELL YOU NO, I’LL LOOK FOR A WAY TO SAY YES. 💛

A “no” doesn’t always mean the dream is over.

Maybe your credit needs work. Maybe your income doesn’t fit a traditional loan. Maybe you’re self-employed, an investor, or your situation is a little different.

That’s why I believe in exploring options before giving up.

✨ Different loan programs
✨ Alternative ways to document income
✨ Financing options for real estate investors
✨ Solutions tailored to your unique situation

I can’t promise every loan will be approved, but I can promise to help you explore what’s possible.

Because sometimes, you don’t need to give up on your dream. You need to explore a different path. 🔑

📩 DM me “OPTIONS” and let’s talk about your goals.

Finance With Francys | Let’s find your path to financing.

#financewithfrancys #mortgagesolutions #homeownershipgoals #mortgagebroker #realestatefinancing by @financewithfrancys

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2 days ago

🏡 NEW HOMES IN UPTOWN WHITTIER!

Have you been eyeing the new townhomes at Uptown Walk by Olson Homes?

Starting around $695K, these homes offer a new opportunity for buyers looking to own in Whittier!

But before you fall in love with a home, let’s talk numbers. 👇

✨ How much do you need for a down payment?
✨ Can you qualify with an FHA or VA loan?
✨ What could your estimated monthly payment look like?
✨ What income and documents will you need?

That’s where I come in! 🤝

I’m here to help you understand your financing options and prepare for the homebuying process.

📍 Uptown Walk | Whittier, CA
🏡 Property tours and listing information
💰 Financing questions: DM FINANCING

Let’s make homeownership a plan, not just a dream!

Financing subject to qualification, program requirements, and property approval. Pricing and availability subject to change. by @financewithfrancys

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4 days ago

🏡 YOU DON’T NEED 20% DOWN TO BUY A HOME!

One of the biggest misconceptions about homeownership is that you need a huge down payment to get started.

The truth? You may have more options than you think! ✨

💰 Conventional loans may offer down payments as low as 3%.
🏡 FHA loans generally start at 3.5% down for eligible borrowers.

Your credit, income, debts, and overall qualifications all play a role in determining the right program for you.

Don’t count yourself out before exploring your options!

📩 DM me the word HOME and let’s start planning your path to homeownership.

Your future home might be closer than you think! 🔑

— Finance With Francys

#FinanceWithFrancys #MortgageTips #FirstTimeHomeBuyer #Homeownership #MortgageEducation by @financewithfrancys

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4 days ago

🏡📊 HAVE MORTGAGE RATES PEAKED?

The mortgage market remains unpredictable, and buyers should stay informed.

According to HousingWire’s October 10 market analysis:
📈 Mortgage rates were reported at 7.48%.
📊 The 10-year Treasury yield’s 5.35% level is an important market watchpoint.
📰 Inflation data and Federal Reserve commentary could influence what happens next.

My advice: Don’t try to time the market perfectly. Understand your buying power, explore your loan options, and make a decision that works for your finances.

📩 Thinking about buying or refinancing? DM me “OPTIONS” and let’s talk!

— Finance With Francys 🏡

Source: HousingWire, October 10, 2026. Market commentary is not a rate quote. Rates vary by borrower, loan program, and lender.

#FinanceWithFrancys #MortgageMarket #MortgageRates #HomeBuyingTips #CaliforniaRealEstate by @financewithfrancys

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5 days ago

See you next year, Long Beach—you’ve always treated me well.
@longbeachmarathon
#financewithfrancys #longbeachmarathon #fitnessandfinance #marathonmindset taken in Long Beach, California by @financewithfrancys

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