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What to Know About Fractional Homeownership and Mortgages

by Angel Leon | Jan 8, 2026 | Mortgage Tips

Fractional homeownership is becoming more popular as buyers look for creative ways to enjoy a second home or vacation property without taking on the full cost. Instead of owning one home entirely, you purchase a fraction of the property and share ownership with...

Cómo la relación deuda-ingresos afecta tu elegibilidad hipotecaria

by Angel Leon | Jan 8, 2026 | Blog, Spanish

Al solicitar una hipoteca, los prestamistas evalúan varios factores para determinar si calificas para un préstamo. Una de las métricas más importantes es tu Relación Deuda-Ingresos, conocida como DTI por sus siglas en inglés. Comprender cómo el DTI impacta la...

Mortgages for Parents With Young Kids and What to Consider

by Angel Leon | Jan 7, 2026 | Mortgage Tips

Buying a home when you have young kids brings unique challenges, but it also creates opportunities to build stability for your family. Your priorities might look different from other homebuyers, and your financial decisions may need to reflect the needs of a growing...

Mortgage Impacts of Using Venmo, Cash App, or PayPal for Income

by Angel Leon | Jan 6, 2026 | Mortgage Tips

More people are earning money through freelancing, side gigs, digital work, consulting, and online sales. Because of this, it is common for income to flow through platforms like Venmo, Cash App, or PayPal instead of traditional direct deposits. While these tools make...

What’s Ahead For Mortgage Rates This Week – January 5th, 2026

by Angel Leon | Jan 5, 2026 | Financial Reports

With the only notable item on the schedule being the release of the Federal Reserve minutes, which reflect the current stance of the Fed, virtually nothing has changed since the last rate cut. The Federal Reserve is expected to continue its wait-and-see approach....
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Cornerstone First Mortgage, LLC NMLS#173855 

Racheli Refael NMLS# 64918

Branch address:
1471 NE 26th St. Suite 100
Fort Lauderdale, FL 33305

Call 954-800-0330

Racheli Mortgage Team

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