Efinity Mortgage- Rolando Nandin

09/25/2025

🏡 Homeownership is more than a place to live, it's a strategy for building generational wealth.
Every mortgage payment builds equity, creating a financial foundation for your children's education, your retirement, and your family's future. While renters grow their landlord’s wealth, homeowners invest in their own legacy.
Our team helps families choose smart mortgage solutions that grow equity faster, reduce interest costs, and support long-term financial independence.
💡 Start building wealth, not just paying rent. Let us guide you toward a mortgage strategy that sets your family up for lasting success.

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to credit approval and property appraisal. Terms and Conditions apply.

09/23/2025

Need to build your credit?
Here's How:

1. Apply for a Secured Credit Card
These cards require a refundable deposit and are easier to qualify for.
Your payments are reported to credit bureaus, helping build your credit history.
Many banks accept ITINs instead of SSNs for applications.
👥 2. Become an Authorized User
Ask a trusted friend or family member with good credit to add you to their credit card.
You benefit from their positive payment history, even if you don’t use the card.
💡 3. Use Credit Builder Loans
These are small loans designed specifically to help you build credit.
You make monthly payments, and the lender reports them to credit bureaus.
Some online platforms and credit unions offer these to ITIN holders.
🏠 4. Report Rent and Utility Payments
Services like Experian Boost, CreditMyRent, and Rental Kharma allow you to report rent and utility payments.
These payments can positively impact your credit score over time.
📱 5. Use Credit Builder Apps
Apps like Ava Finance are tailored for ITIN holders and help track and grow your credit score.
They often offer tools to report payments and monitor your credit profile.
🧠 Bonus Tip: Transitioning to an SSN
If you later obtain an SSN, you can transfer your ITIN-based credit history—but it’s not automatic.
Make sure to notify credit bureaus and lenders to link your new SSN to your existing credit profile.

09/22/2025

Student loans are the #1 roadblock for younger buyers.
Fannie Mae often makes them count heavier in your debt-to-income ratio…
But Freddie Mac? More flexible.
Now (September 29th, 2025) we will be able to add the ability to buy a duplex, triplex, or fourplex
with only 5% down…
That’s how doors open for buyers who’ve been told “no” before.
Apply here: https://rolandonandin.floify.com

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to
credit approval and property appraisal. Terms and Conditions apply.

09/18/2025

When the Federal Reserve cuts interest rates, it's lowering the Federal Funds Rate, the rate banks charge each other for overnight loans. This is a short-term interest rate, and it influences things like:

Credit card rates
Auto loans
Home equity lines of credit
Savings account etc

What About Mortgage Rates?

Mortgage rates especially 30-year fixed rates are not directly tied to the Fed Funds Rate. Instead, they are influenced by:

Bond Market Movements
Mortgage rates tend to follow the yield on the 10-year U.S. Treasury bond. When investors expect slower economic growth or lower inflation, they buy bonds, pushing yields down and mortgage rates often follow.

Inflation Expectations
If inflation is expected to stay high, mortgage rates may remain elevated even if the Fed cuts rates.

Investor Sentiment & Risk
Mortgage-backed securities (MBS) are bought and sold in financial markets. If investors demand higher returns due to uncertainty or risk, mortgage rates can stay high.

Timing & Lag
Even if the Fed cuts rates, mortgage rates may not drop immediately. Markets may have already priced in the cut, or other economic factors may be pushing rates in the opposite direction.

Dont use social media as a gage on if rates will get better. Its way more complicated and sadly even the most experienced loan officers dont get it, much less the media, who solely want to make headline news. Mortgage rates got worse yesterday.

Rather than fixating solely on interest rates, prioritize the act of purchasing a home. This strategic approach ensures that by the time you reach retirement, you will be free from the burden of mortgage payments. The quickest path to achieving this goal is to begin your journey as soon as you are financially ready, ideally after consulting with a mortgage expert. I am here to assist you, as I specialize in navigating both challenging and straightforward financial situations—after all, the latter is accessible to anyone.

If you are involved in real estate, it is crucial to surround yourself with knowledgeable professionals who can provide valuable insights tailored to today’s market. Seek out guidance rooted in reality rather than relying on misleading claims or social media for your understanding.



Apply now for your home buying journey!

09/09/2025

Here’s your 60-day fall reset to get mortgage-ready:
✅ Week 1: Get pre-approved, fix credit, explore low-down options
✅ Weeks 2–4: Trim debt, gather funds, protect your rate
✅ Weeks 4–6: Shop smart, ask for seller credits, write clean offers
⏳ Timing tip: Get under contract by mid-November to close before year-end.

Let’s make your holiday move happen 🎁

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to credit approval and property appraisal. Terms and Conditions apply.

09/02/2025

That moment when you’re not just moving in, you’re moving up. 🏡✨

Owning means freedom: paint the walls, hang what you want, plant roots. It’s not just a house, it’s the next version of your life.

Even with rates, debt, or doubts… the right mortgage plan can make it possible. DM me to talk about how.

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to credit approval and property appraisal. Terms and Conditions apply.

08/31/2025

5.0 star review received on Experience.com for Rolando Nandin by Caitlin G - Responsive and informative .

Click to see all 138 reviews of Rolando Nandin, Branch Manager

08/30/2025

5.0 star review received on Experience.com for Rolando Nandin by Javier A L - If I could describe my experience in a few words, I could only say that it was fast with excellent attention, they helped me understand each step in detail and gave me the confidence to feel that I was in good hands.

Click to see all 136 reviews of Rolando Nandin, Branch Manager

08/28/2025

Ever feel like applying for a mortgage is an FBI interrogation?🔍
We get it, those questions can feel intense. But here’s the truth: your lender isn’t being nosy. They’re piecing together your financial story to help you secure the best possible terms.

Here’s what they’re really asking:
💼 Income – Looking for stability, not judging your salary
📉 Debt – Ensuring your new payment fits comfortably
💰 Savings – Confirming you’ve got a cushion for life’s surprises

Honest answers pave the way to confident homeownership.
Let’s make it simple. DM us and we’ll guide you every step of the way.

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to credit approval and property appraisal. Terms and Conditions apply.

08/26/2025

Rates just dipped, buyers are buzzing, and Labor Day’s around the corner, more eyes on listings, more offers flying. We’ll handle the financing strategy so your deals close strong: blended-rate planning, buydowns, down payment help, and VA options.

DM me to get started or apply here! https://rolandonandin.floify.com

Rolando Nandin, NMLS ID: 2000054
https://www.efinitymortgage.com - NMLS ID: 1043983

Licensed by the Texas Department of Savings and Mortgage Lending. This is not a commitment to lend. All loans are subject to credit approval and property appraisal. Terms and Conditions apply.

08/23/2025

5.0 star review received on Experience.com for Rolando Nandin by Alexander P - Experience was great and streamline!

Click to see all 135 reviews of Rolando Nandin, Branch Manager