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Approvedby.Charlie

Name: Approvedby.Charlie
Address: 5152 Katella Avenue, Ste 201, Los Alamitos, CA, 90720, US
Telephone: +13234048815

Home
United States
Los Alamitos, CA
Approvedby.Charlie

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Consulting first-time buyers on the two common loans in detail and guiding them through the process.

11/05/2026

You don’t always need taxes to get approved for a
mortgage

🔑 You can use your business bank statements, P&L or
1099 instead

🔑 You don’t need 20% down or perfect credit of 740+
for no-tax programs

🔑 You can still write-off all your expenses and
become a homeowner at the same time

Comment “HOME” to get complete list of requirements for no-tax programs.

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ApprovedBy.Charlie

10/28/2026

🚨 I DON’T KNOW WHO NEEDS TO HEAR THIS...

But you’ve spent enough time saving homes online.
It’s time to find out if you can actually buy one.

You might be closer than you think.
Many buyers are surprised to learn they can qualify with:
✔️ Less money down than expected
✔️ Improved credit options
✔️ Monthly payments that fit their budget

Want to know what it would take for YOU?
Send me a DM with “READY” and let’s talk about your options.

10/23/2026

Are you renting but secretly scrolling through real estate apps every night? 📲🏡

The market comes with a lot of noise, but your personal readiness is what matters most. If you can check off these 4 financial milestones, you might be much closer to owning your own home than you think:

1️⃣ Stable Income: A consistent work history gives lenders confidence in your ability to handle a mortgage payment.

2️⃣ Improving Credit Score: You don’t need perfect credit, but a strong upward trend unlocks much better interest rates.

3️⃣ Down Payment Savings: Remember, you don’t always need 20% down! There are many low-down-payment programs available.

4️⃣ Tired of Paying Rent: Ready to build your own equity instead of paying off your landlord’s mortgage?
Every homebuying journey starts with a conversation. Let’s look at your numbers together and map out your next move.

DM me “HOME” to get started! 🤝

📍 Charlie Rios | Mortgage Lender | NMLS # 1929892

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ApprovedBy.Charlie

05/20/2026

Ready to buy a home but confused about closing costs? Let’s break it down — super simple.

Closing costs = the fees needed to finalize your home purchase.

• Lender fees — processing, underwriting

• Title & escrow — protects ownership + handles the transaction

• Prepaids — taxes, insurance, interest

• Appraisal & inspections — to confirm value & condition

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Reach out for a free consultation!

10/30/2025

💡 When Should You Consider Refinancing Your Home?

Refinancing can be a smart move — but timing matters! Here are a few key signs it might be the right time to explore your options:

🏠 Lower Interest Rates – If current rates are at least 0.5–1% lower than what you have now, you could save thousands over the life of your loan.

📈 Home Value Has Increased – Tap into your equity for renovations, investments, or other goals.

📆 Change in Life Situation – Maybe your income, goals, or family needs have changed — refinancing can help you adjust your mortgage accordingly.

✨ Not sure if now’s the right time?

Book a FREE consultation to review your options and see how much you could save.

me today to get started!

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10/22/2025

Both have perks — it’s all about your goals and comfort level!

Reach out for a FREE CONSULTATION

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Address

5152 Katella Avenue, Ste 201
Los Alamitos, CA
90720

Telephone

+13234048815

Website

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