Aj.Michelle Real Estate

10/23/2026

WAITING FOR INTEREST RATES TO DROP? HOLD THAT THOUGHT!
What if the rate you're waiting for isn't the only thing you should be watching?
Everyone's talking about interest rates. But very few are talking about what waiting could actually mean for YOUR homebuying plans.
Don't let one number make the entire decision for you!
Watch this before you put your dream home on hold.

Michelle Chand | Sr. Loan Consultant AFC360 Mortgage Inc. | NMLS #1521907
Michelle Chand A.j. Chand

10/06/2026

09/07/2026

06/07/2026

4 BEDROOM HOME UNDER $500K IN SACRAMENTO?

Yes, you read that right.

Welcome to 200 Dragon Fly Circle, Sacramento 95834 — a charming, well-cared-for 4 bedroom home listed at $499,000.

Bright open living spaces, cozy fireplace, inviting dining area, functional kitchen, and a spacious layout made for real life family, friends, gatherings, and everyday comfort.

This home has warmth, character, and the kind of practicality buyers are hunting for right now.

200 Dragon Fly Circle, Sacramento, CA 95834
Listing Price: $499K
4 Bedrooms
MLS #226068081

Don’t just scroll past this one.
Inbox me for details before someone else grabs it.

05/19/2026

Self-employed and worried you won’t qualify for a mortgage?

Your tax write-offs may affect traditional loan approval… but that does NOT always mean you can’t buy a home.

There are financing options designed specifically for entrepreneurs, freelancers, and business owners.

In this video, I break down:
✔️ Bank statement loans
✔️ Common approval mistakes
✔️ What lenders actually look for
✔️ How self-employed buyers can prepare smarter
Being self-employed does not mean you’re unqualified.
DM me “SELF EMPLOYED” if you want to learn your options.

05/18/2026

The average person buys one home. Investors think differently.

05/11/2026

Low mortgage rate ≠ low total debt cost.

High-interest credit cards quietly drain your cash every month.
Refinancing isn’t always about the rate it’s about the math.

DM “DEBT” to see if consolidation makes sense for you.

04/28/2026

Shift the structure,
Reposition the numbers,
Adjust the strategy, and find the path everyone else missed.

Sometimes getting a loan to the closing table isn’t about working harder...

It’s about looking at the file upside down.
Because the obvious angle doesn’t always get the approval.

A strong Loan Consultant knows when
Some files need a calculator.
Some need creativity.
And some need me mentally doing gymnastics in a luxury office chair like this.

04/22/2026

you’re only focused on monthly payment… you’re missing the bigger picture.

Low payment doesn’t always mean better deal.

It can mean more interest, less flexibility, and weaker long-term positioning.

How your loan is structured
matters more than just what you pay each month.
Short-term comfort…
can cost you long-term wealth.