Ur Local Lender - The Frater Team

Ur Local Lender - The Frater Team We are UR Local Lender your source for stable affordable Home Loan

Did you know not all “no payment” offers are what they seem?When a company promises you can “borrow from your equity and...
06/05/2026

Did you know not all “no payment” offers are what they seem?

When a company promises you can “borrow from your equity and add it to your loan,” it might sound like a simple refinance—but it’s often a Home Equity Agreement (HEA). With an HEA, a third-party investor gives you cash upfront in exchange for a share of your home’s future appreciation, which can be riskier than traditional financing.

3 tips to protect yourself:
• Understand exactly what type of loan or agreement you’re signing
• Compare traditional refinancing or home equity options first
• Consult a trusted lender to see what’s truly best for your financial goals

Want help navigating your home equity options safely? Let’s review what works best for you.

What does the American Dream mean to you?For most people, homeownership tops the list—78% see owning a home as a key par...
06/03/2026

What does the American Dream mean to you?

For most people, homeownership tops the list—78% see owning a home as a key part of the dream. Other important milestones include being able to retire comfortably, having a successful career, and achieving personal goals like education or family. Knowing your priorities can help guide your financial and homebuying decisions.

3 tips to work toward your dream:
• Define which milestones matter most to you right now
• Plan your budget and savings around your top goals
• Partner with a lender to understand how homeownership fits into your long-term plan

Ready to take the first step toward your dream home? Let’s connect and make a plan.

Ready to jumpstart your homebuying journey?Getting pre-approved is the first step to shopping for a home with confidence...
06/01/2026

Ready to jumpstart your homebuying journey?

Getting pre-approved is the first step to shopping for a home with confidence. By having your documents ready, you can speed up the process, know your budget, and show sellers you’re a serious buyer.

3 key documents to have on hand:
• Current driver’s license or state-issued ID
• Social Security number and proof of income
• List of current debts to help your lender assess your finances

Want to get pre-approved and start house hunting? Let’s get your paperwork in order and move forward!

Curious about ADUs, small homes, or building on your own land?Join us on Thursday, June 18 at the Fontana ADU Campus for...
06/01/2026

Curious about ADUs, small homes, or building on your own land?

Join us on Thursday, June 18 at the Fontana ADU Campus for an evening of possibilities and opportunities. Tour model ADUs and small homes, learn about One-Time Close Construction Financing, explore land + build opportunities, and connect with industry professionals.

✨ Enjoy hors d’oeuvres while discovering what may be possible for you and your family.

📍 Fontana ADU Campus
10705 Juniper Ave., Fontana, CA 92337

📞 Space is limited! Message or call Marcia Frater (NMLS #247105) at 951-830-2065 for details.

Presented in collaboration with The Frater Team.

Ever wonder why homeownership can be such a powerful wealth-builder?Unlike renters, homeowners build equity over time—no...
05/29/2026

Ever wonder why homeownership can be such a powerful wealth-builder?

Unlike renters, homeowners build equity over time—not just by paying down their mortgage, but also as their home’s value increases. That’s a big reason why, on average, a homeowner’s net worth is nearly 40 times higher than a renter’s.

3 tips to start building equity:
• Make consistent mortgage payments to steadily grow your ownership stake
• Choose a home in a neighborhood with strong long-term value potential
• Consider paying extra toward principal when possible to accelerate equity growth

Ready to start building your wealth through homeownership? Let’s connect and plan your path.

Did you know access to down payment support can shape generational wealth?Black young adults are less likely to have par...
05/27/2026

Did you know access to down payment support can shape generational wealth?

Black young adults are less likely to have parents who are homeowners or able to provide financial help, making it harder to cover a down payment. Targeted, sustainable down payment assistance programs can help close this gap, empowering more people to build wealth through homeownership.

3 key points to consider:
• Explore local or national down payment assistance programs
• Understand how these programs can impact your long-term financial goals
• Partner with a lender who can guide you through eligibility and options

Want to learn how down payment assistance could help you achieve homeownership? Let’s connect and map out your path.

The main driver is limited inventory. With fewer homes available in most markets, prices remain strong—and this isn’t li...
05/25/2026

The main driver is limited inventory. With fewer homes available in most markets, prices remain strong—and this isn’t likely to change overnight or within the next year. Understanding this helps buyers and sellers make informed decisions.

3 tips to navigate a low-inventory market:
• Be prepared to act quickly when the right home hits the market
• Work with a knowledgeable lender to get pre-approved early
• Consider flexibility on home features or location to increase options

Want help strategizing in today’s competitive market? Let’s connect and make a plan.

Want to shop for a home with confidence?Consulting with a lender and getting pre-approved is a game-changer. A pre-appro...
05/22/2026

Want to shop for a home with confidence?

Consulting with a lender and getting pre-approved is a game-changer. A pre-approval letter helps you understand your loan options, set a realistic budget, and know exactly what monthly mortgage payment you can comfortably afford—so you can focus on homes that fit your financial plan.

3 tips to make the most of pre-approval:
• Get pre-approved early to strengthen your offers
• Discuss different loan options to find the best fit for your goals
• Know your budget to avoid falling for homes outside your price range

Ready to see what you qualify for? Let’s get started and make your homebuying journey smoother.

Thinking about selling your home “as-is”?Selling as-is can save you time, money, and the headache of negotiating repairs...
05/20/2026

Thinking about selling your home “as-is”?

Selling as-is can save you time, money, and the headache of negotiating repairs—but it also comes with trade-offs. Some buyers may be hesitant, your home could stay on the market longer, and you might not get top dollar. Knowing the pros and cons helps you make the choice that’s right for your situation.

3 things to consider:
• Weigh the time and cost savings against potential lower offers
• Think about your timeline and how quickly you want to sell
• Work with a real estate professional to price your home competitively

Curious if selling as-is is the best move for you? Let’s review your options together.

Thinking about buying a home with a partner or family member?Co-buying can make homeownership more accessible and reward...
05/18/2026

Thinking about buying a home with a partner or family member?

Co-buying can make homeownership more accessible and rewarding. By pooling resources, you can afford a better home, share responsibilities, and even create a potential investment opportunity—all while reducing individual financial strain.

3 top benefits of co-buying:
• Share costs to make homeownership more affordable
• Access a higher-quality home than you could alone
• Split responsibilities to make managing the home easier

Want to see if co-buying could work for you? Let’s explore your options together.

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1265 Corona Pointe Court
Corona, CA
92879

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