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Eric Arnel

@eze_13

1.8K

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7533

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Real Estate Professional.
Entrepreneur
LA | OC | IE | SD
Facebook.com/Thearnelgroup
Tweet: @thearnelgroup
49ers | Angels | Lakers

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My therapy time

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Get your tickets! WIN a party!! We provide food, photos , decoration, deserts, & some Michela mix ! $20 a ticket! Contact Vzz Dawgs & More or any of our participants. Raffle live on Instagram 4/26/26 @8pm #raffletickets going fast!!

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🏡 California’s Dream For All program is BACK.

If down payment has been the only thing stopping you… this could be your move.

✔️ Shared appreciation loan
✔️ Helps cover down payment
✔️ Designed for first-time buyers
✔️ Income limits apply

This is not “free money” — it’s strategic leverage.

The buyers who win with programs like this are the ones who prepare early.

If you want to see if you qualify, DM me “DREAM” and I’ll break it down for you.

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If you already have an FHA loan, this might be the easiest way to lower your payment 👀

✅ No income verification
✅ No appraisal required
✅ No credit re-qualification
✅ No cost options available

💸 Immediate monthly savings
With a true FHA Streamline, many homeowners can refinance with lender credits covering closing costs, meaning:
👉 $0 closing costs
👉 Lower payment starting right away

📉 Even a small rate drop can mean hundreds saved every month — without resetting your financial life or jumping through hoops.

⏱️ Fast. Simple. Designed for current FHA homeowners.

📩 Already in an FHA loan?
DM me “STREAMLINE” and I’ll check if you qualify in minutes.

#FHAStreamline #MortgageTips #RefinanceSmart #LowerYourPayment #HomeownerWins NoCostRefi

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Welcome Home 🎉
Created this custom balloon sign for a special homecoming celebration.
DM for pricing, dates & custom colors | IE Area”

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🚨 Dream For All is coming back 🚨

Registration for the California Dream For All Shared Appreciation Loan opens Feb 24 – March 16, 2026 — and this one is NOT first come, first served.

If you’re a first-time homebuyer (and at least one borrower is first-generation), this program can offer up to 20% toward your down payment or closing costs (max $150,000) 💰

👉 The key? Preparation happens BEFORE registration opens.

Now is the time to:
• Check income limits for your county
• Review credit & debts
• Gather docs (tax returns, pay stubs, bank statements)
• Get pre-qualified with a lender who knows the program

When registration opens, you want to be ready — not scrambling.

📩 DM me “DREAM” if you want help preparing before Feb 24.

#downpaymentassistance #homebuying101 #homebuyertips #mortgagetip #mortgagerates

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This HELOC uses automation + AI to:

⚡ Skip long bank timelines
⚡ Reduce paperwork
⚡ Deliver cash in as little as 5 days
⚡ Lock in fixed-rate draws

Perfect for homeowners who want options without refinancing their entire mortgage.

📩 DM “EQUITY” to see if this makes sense for you.

#homeequity #mortgagetips #mortgagetips #realestatetips

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No paystubs. No tax returns. No VOE.

This is NOT DSCR 👀

This is an owner-occupied & second-home option that qualifies you based on assets, not income — with 20% down.

Perfect for:
• Business owners
• High-net-worth buyers
• Early retirees
• Anyone tired of explaining their income

If your money is working for you, it should help you qualify 🏡

#mortgagetips #homebuying101 #nonqm #realestate

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🏦📉 BIG Mortgage Market News

The government just announced a $200 BILLION purchase of Mortgage-Backed Securities (MBS) 👀

So what does that actually mean for buyers?

👇👇👇

📌 Why this matters:
When MBS are purchased at this scale, it helps add liquidity to the mortgage market and can put downward pressure on mortgage rates.

📉 Lower pressure on rates
🏡 More stability for homebuyers
🤝 Stronger support for lending

⚠️ This does NOT mean rates drop overnight — but it does signal support for housing and future affordability.

💡 Translation:
If you’re thinking about buying, refinancing, or planning for later this year… this is a very positive signal.

📆 Timing still matters. Strategy still matters.
And this is why having a plan beats guessing the market.

👉 Swipe to learn how this could impact YOUR buying power.

#MortgageNews #HousingMarket #InterestRates #HomeBuying #realestateupdate

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This isn’t a crash.
It’s a negotiation shift—and buyers are winning again in SoCal.

What’s changed:
• Homes are sitting longer
• Fewer bidding wars
• Sellers are more flexible

What buyers are getting:
✔️ Seller credits (closing costs paid)
✔️ Rate buydowns (lower monthly payment)
✔️ Price reductions
✔️ FHA & Conventional offers accepted again

The real takeaway:
Negotiation power can save you more money than waiting for rates to drop.

Rates move.
Leverage disappears fast.

If you’re buying in LA, OC, or the Inland Empire, now is about strategy, not headlines.

#homebuying101 #homeloan #mortgagetips #ocrealestate #inlandempirerealestate

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📉 Mortgage Rates: One Year Can Change Everything

📅 Dec 31, 2024: 7.07%
📅 Dec 31, 2025: 6.20%

That’s a 0.87% drop in just 12 months.

What does that mean in real life?

• Lower monthly payments
• More buying power
• More homeowners refinancing out of higher rates
• Less pressure than the “rate panic” era

The big takeaway 👇
Waiting can help… but timing the market perfectly is nearly impossible. Strategy always beats guessing.

Rates move. Opportunities shift.
Staying informed keeps you ahead.

#homeloantips #homebuying101 #homebuyingprocess #mortgage #orangecountyrealestate

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They almost didn’t submit an offer because they thought they didn’t have enough cash.

But here’s what actually mattered:
✔️ Great credit
✔️ Clean loan structure
✔️ Smart negotiation

We used a 3% down Conventional loan and negotiated $10,000 in seller credits to cover most of the closing costs — even after the home already fell out of escrow once.

The result?
🏡 Offer accepted. New homeowners.

If you have good credit but limited savings, you might be closer than you think.

📩 DM “3%” and let’s run the numbers.

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