Mortgage Beat

Episode 084 of Mortgage Beat Police Mortgage Loan Officer, Angel Saldana (NMLS #2767126) talks about the strategy of using an adjustable-rate mortgage (ARM) in today’s rate environment in the 4th quarter of 2026. He also stresses the need to look at the cap on the ARM that can provide some peace of mind in a rising-rate environment. Rates mentioned during the episode are as of the date of recording on 10/8/26. Mortgage Beat is brought to you by Police Mortgage, a full-service mortgage company

Episode 083 of Mortgage Beat Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), stress that while it may be more difficult to buy a property in some cases, the dream of home ownership is still alive and well. Whether you read financial news or watch business channels, you'll often hear discussions about whether the dream of homeownership is fading. Some say it’s harder to buy a home, others believe renting has become more popular, and there are vari

Episode 082 of Mortgage Beat Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), talk about gift letters from family members. Buying a home is more challenging now than it was decades ago, as house prices have outpaced wage growth. Many families want to help their children or relatives by giving gifts while they're still alive, allowing them to enjoy seeing those resources put to use. Gifts from family members can be used for a mortgage down payment

Episode 081 of Mortgage Beat Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), share what those who have embraced the gig economy need to do to buy a property. Our network also includes family members of first responders who are eager to work with us, even if they are not actively involved in law enforcement, firefighting, or similar professions. Nowadays, with the rise of the gig economy, individuals can assemble a career and income through variou

Episode 080 of Mortgage Beat Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), agree that a little bit of pain in saving and buying the right home is almost always better than renting long term. Even when the process proceeds smoothly with a competent loan officer, affordable property, and favorable conditions, home ownership inevitably involves some level of challenge. For individuals seeking to purchase a home, there is an expected degree of disc

Episode 079 of Mortgage Beat Police Mortgage Loan Officers, Vivian Abraham (NMLS #2451439) and Patrick Doah (NMLS #2025761), stress the fiduciary duty to set their clients up for success. It is the responsibility of Police Mortgage to provide clients with a clear pathway, including a step-by-step plan for managing future rate adjustments. Discipline and control are key concepts, particularly for first responders, who typically possess strong risk management skills. Whether controlling emergenc