Business Details
36 Years
experience
Your Trusted Mortgage Broker in Torrance, CA
As a mortgage broker in Torrance with over 30 years of experience, I specialize in providing tailored loan solutions for investors, self-employed individuals, and homeowners. My expertise spans refinancing strategies, equity access, investment property financing, and debt consolidation through mortgages. Having owned and managed apartment buildings since my 20s, I offer an insider's perspective on real estate investment financing.I prioritize client needs, explaining complex processes in plain English while advocating on their behalf with lenders. My business has thrived through market fluctuations by maintaining a client-first approach, evidenced by 80% of business coming from referrals. I hold Bureau of Real Estate License #01142629 and NMLS #321683, combining practical investment experience with professional mortgage brokerage services.
Services
Mortgage Brokerage
Refinancing Solutions
Investment Property Loans
Debt Consolidation
Financial Education
Details
- Year established: 1990
Highlights and features
- We offer 30+ years of mortgage brokerage experience with practical real estate investment knowledge
- Our team provides funding solutions not dependent on traditional tax return verification
- We guarantee clear communication and a streamlined loan process
- 80% of our business comes from client referrals demonstrating trust
- We offer free 90-minute consultations to explore all loan options
Associations and certifications
- Bureau of Real Estate License #01142629
- NMLS #321683
What people say
Knowledgeable
Amazing abilities
Work ethic
Integrity
Awesome results
Services
Mortgage Brokerage
Providing comprehensive mortgage solutions for diverse clients including first-time buyers and seasoned investors. Our service helps clients navigate loan options, secure favorable terms, and achieve financial goals through strategic mortgage planning. With 30+ years of experience, we offer personalized guidance through the entire loan process.
Refinancing Solutions
Specialized refinancing strategies to reduce payments, accelerate payoff timelines, or access home equity. We analyze individual financial situations to determine optimal refinancing approaches, including cash-out options for home improvements or debt consolidation. Our expertise helps clients save significant amounts in interest costs over loan terms.
Investment Property Loans
Tailored financing solutions for real estate investors seeking ADUs, short-term rentals, apartment buildings, and commercial properties. We help clients structure loans for various investment strategies including buy-and-hold, fix-and-flip, and portfolio expansion. Our services support investors at all experience levels with appropriate financing options.
Debt Consolidation
Using mortgage instruments to consolidate high-interest debts into more manageable payment structures. We evaluate clients' financial situations to determine if mortgage-based debt consolidation aligns with their long-term financial goals. Our approach considers both immediate cash flow benefits and overall financial implications.
Financial Education
Educational programs covering mortgage fundamentals, investment strategies, and financial literacy. Our real estate investment classes provide practical knowledge for creating passive income streams. We offer resources including market trend analysis, credit management tips, and glossaries of financial terminology to empower informed decision-making.
People
Athena Paquette
Mortgage Broker & Financial Advocate
With 30+ years in mortgage brokerage and real estate investment, Athena combines practical experience with professional expertise. She owns and manages apartment buildings while teaching investment classes at Torrance Adult School. Her clients consistently praise her knowledge, integrity, and client-first approach.
Questions
What mortgage options exist for self-employed individuals?
We offer specialized loan programs that don't rely solely on traditional tax return verification, considering alternative income documentation methods.
How can I access my home equity?
We provide cash-out refinancing options for home improvements, debt consolidation, or education expenses, with potential interest savings.
What investment property financing options are available?
We offer solutions for ADUs, short-term rentals, apartment buildings, and commercial properties with flexible terms for various investment strategies.
Do you offer free mortgage consultations?
Yes, we provide complimentary 90-minute consultations to discuss your specific needs and explore all available loan options.
How does mortgage refinancing work?
We analyze your current loan terms, equity position, and financial goals to determine if refinancing would provide benefits like lower payments or reduced interest costs.
What educational resources do you provide?
We offer real estate investment classes, mortgage guides, market trend analysis, and financial literacy resources to support informed decision-making.
Reviews (2)
Lan W.
Feb 23, 2017
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Athena is an angel! she and her assistant Linda helped us get mortgage pain free, and help to make the purchase of our dream home a smooth process. She really enjoys what she is doing and does her best to help clients. Very professional!
Cristina W.
Oct 22, 2014
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Athena has been my mortgage 'go to' person since 2000. I have used her to buy two homes and refinance at least 4 times on other properties. She is just an awesome person. She is constantly working on her professional knowledge, she is passionate about her clients and she makes the loan process almost pain free. Almost. She is very focused on helping self employed people and I have not hesitated to refer many of my friends to her. She is also very interested in helping people understand finance and home buying and sponsors training sessions and seminars for her clients. I will use
