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Winglender
@winglender.bsky.social
16 followers 31 following 86 posts
Kristian Lau | NMLS #: 2664051 | Loan Factory LO | You need a loan. I've got your six. Residential, commercial, home equity, refi, QM & non-QM deals. The best rates now! 🚀 Equal Housing Lender 🟰
🔗 winglender.net 💫
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Winglender @winglender.bsky.social · Apr 28
🚀 Meet Winglender: We've got your six! 🏡✈️

🌟 From first-time homebuyers to seasoned investors, we offer residential, non-QM, and commercial loan solutions — all with clarity, speed, and personalized care.

#Winglender #HomeLoans #NonQM #CommercialLoans #MortgageSolutions #NewBeginnings
winglender.bsky.social
🚨 Attention California Home Buyers!
🚀 You need a home loan 🏡
🪽 We’ve got your six, over 🪽
🔗 winglender.net 👉 mortgages made epic 🕶️

#mortgage #mortgagetips #mortgagebroker #californiarealestate #californialife #californiahomes #californiahomebuyer #homebuyers #homeownership #winglender
December 17, 2025 at 11:26 PM
winglender.bsky.social
🚨 The Reverse for Purchase (H4P) is a game-changer for downsizing while keeping your retirement savings liquid.
🪽 Check out this short guide! shorturl.at/vABA4

#ReverseForPurchase #H4P #CaliforniaRealEstate #Retirement #MortgageBroker #HomeBuying #ReverseMortgage
What is a Reverse for Purchase Mortgage? | Winglender
Learn how the Reverse for Purchase Mortgage increases purchasing power and cash flow for homebuyers 62 and older.
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December 17, 2025 at 10:17 PM
winglender.bsky.social
💪 You did the due diligence on the house.
✅ We’ll do it on the mortgage.
🪽 Winglender.
🌞 California Real Estate Financing Solutions Made Sun-Shiny!
🔗 winglender.net

#mortgage #mortgagetips #mortgagebroker #californiarealestate #californiahomebuyer #homebuyers #homeownership #winglender
December 16, 2025 at 5:05 PM
winglender.bsky.social
🌊The California Housing Market Tops List of Riskiest:
🔗 shorturl.at/OQNtK

🪽 Yes, CA leads in complexity, driven by high demand, historic affordability strain, and climate challenges. But where many see risk, others see high-value opportunity.
#CaliforniaHousingMarket #MortgageBroker
The California Housing Market Tops List of Riskiest: A Deeper Look | Winglender
Learn why extreme prices and disaster threats place the California housing market at the top of risk rankings for homeowners and investors.
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December 16, 2025 at 3:44 PM
winglender.bsky.social
Shopping for a home loan in California?
Don’t worry — Winglender’s got your six. 😎🤝
🌞California Real Estate Financing Solutions Made Sun-Shiny

#mortgage #mortgagetips #mortgagebroker #californiarealestate #californialife #californiahomes #californiahomebuyer #homeownership #winglender
December 15, 2025 at 6:17 PM
winglender.bsky.social
🏡 #California homes aren’t one-size-fits-all—and neither are mortgages.
🪽 Winglender helps you find the right loan for the right home and your situation, with clear options and smart guidance from start to finish.
✅ Less guesswork. The best fit.

#mortgage #mortgagetips #mortgagebroker
December 13, 2025 at 6:53 PM
winglender.bsky.social
📈 High interest rates make choices matter more than ever.
🪽 Winglender helps you explore the full market, compare loan options side by side, and choose what actually fits your situation—without the pressure or confusion.
✅ Clear guidance, smart options, and a smoother way to finance your home.
December 13, 2025 at 6:20 PM
winglender.bsky.social
🪽Winglender 👉 California Real Estate Financing Solutions Made Sun-Shiny 🌞
🔗 winglender.net

#mortgage #mortgagetips #mortgagebroker #californiarealestate #californialife #californiahomes #californiahomebuyer #homebuyers #homebuyingtips #homeownership #winglender
December 13, 2025 at 6:05 PM
winglender.bsky.social
🪽Winglender 👉 California Real Estate Financing Solutions Made Sun-Shiny 🌞
🔗 winglender.net

#mortgage #mortgagetips #mortgagebroker #californiarealestate #californialife #californiahomes #californiahomebuyer #homebuyers #homebuyingtips #homeownership #winglender
December 13, 2025 at 6:41 AM
winglender.bsky.social
🕶️ Build Your Empire with the DSCR Loan
📲 Hit me up 🔗 winglender.net
🪽 Real Estate Investing 🪽Multi-Family 🪽 ADU Financing 🪽 Rental Property 🪽 Non-QM Loans
December 12, 2025 at 9:30 PM
winglender.bsky.social
🪽Winglender 👉 California Real Estate Financing Solutions Made Sun-Shiny 🔗 winglender.net
December 12, 2025 at 7:48 PM
winglender.bsky.social
🌞 Buying a home in California doesn’t have to be complicated.
🚀 Winglender’s got your six—simple options, straight answers, zero stress. 🏡✨
#mortgage #californiarealestate #homebuyer #mortgagetips #winglender #realestate #homeownership
December 12, 2025 at 6:53 PM
winglender.bsky.social
Most CA homebuyers still use the first lender their realtor recommends… and overpay.

Smart buyers shop their mortgage.
Savvy buyers compare wholesale options.
The smartest buyers? Start at Winglender.
Don’t settle. Don’t overpay.
👉 shorturl.at/b77Bp
The Smart Buyer’s Guide to Shopping Your Mortgage in California | Winglender
Check out some simple tips on shopping for your mortgage in California and why it's fiscally responsible to do so.
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December 3, 2025 at 5:59 PM
winglender.bsky.social
🌊CA buyers keep asking if rates will drop in 2026.
Short answer: probably.
Smart answer: don’t wait.
Buy now while prices are negotiable, refi later when rates fall. And whatever you do—shop your mortgage.
Read the article 🔗 shorturl.at/k7v0f
👉 winglender.net
California Mortgage Rates 2026: What are the Experts Saying? | Winglender
What are the experts expecting for California Mortgage Rates in 2026? We break down the skinny and what you can do now to position for a win.
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December 1, 2025 at 11:37 PM
winglender.bsky.social
😂 You don’t have to settle for your realtor’s “preferred” mortgage person.
💪 Shopping your loan is the smartest move you’ll make.
💰 Your wallet will thank you.
👉 Winglender.net
#HomeBuying #MortgageBroker #MortgageSavings #CaliforniaMortgage #CaliforniaRealEstate
youtube.com/shorts/taSjl...
You don't have to settle for your realtor's "preferred" mortgage person...
YouTube video by Winglender
youtube.com
December 1, 2025 at 9:55 PM
winglender.bsky.social
HELOC or Home Equity Loan? 🤔

Knowing the difference could save you thousands.
I put together a super simple guide to help you pick the right one.

➡️ If you’re ready to use your equity, Winglender has you covered.
🔗 shorturl.at/xRhJm
The HELOC vs the Home Equity Loan: A Clear and Simple Guide | Winglender
Understanding HELOC vs home equity loan options is one of the smartest financial moves a homeowner can make.
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November 24, 2025 at 11:22 PM
winglender.bsky.social
🌟 New Rule. New Opportunities. 🌟

Fannie Mae just dropped minimum credit-score requirements — opening the door for more buyers than ever.

If you thought you couldn’t qualify… think again.
➡️ Full breakdown in the new article. Don’t miss it.
🔗 shorturl.at/6hLVn
The Fannie Mae Credit Score Change is Game Changing | Winglender
How the Fannie Mae credit score change lets more borrowers qualify – understanding the new eligibility, what still matters, and how you can benefit.
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November 24, 2025 at 10:29 PM
winglender.bsky.social
Feeling stuck waiting for mortgage rates to drop? 🏡 Don't let the headlines hold you back.

🔗 winglender.net/waiting-for-...
Waiting for Mortgage Rates to Bottom? Consider Embracing Imperfection
Many folks are patiently waiting for mortgage rates to dip below 6%, but that moment may not be coming as soon as they think.
winglender.net
August 26, 2025 at 1:44 AM
winglender.bsky.social
New to DSCR loans? 🚨

📋7 rookie mistakes that kill deals:
🔗 winglender.net/the-biggest-...

Avoid these & you’re ahead of the game.
👉 Got a deal, let's connect 👍
The Biggest Mistakes First-Time DSCR Investors Make | Winglender
Many first-time DSCR borrowers hit roadblocks that could have been avoided if they knew what lenders look for. This article breaks it down.
winglender.net
August 26, 2025 at 1:37 AM
winglender.bsky.social
💡 Learn how lenders use DTI, discover the compensating factors that can get you approved with a higher ratio, and find out what you can do to boost your chances.

🔗 winglender.net/understandin...

#DTI #MortgageTips #Homebuying #FinancialLiteracy #Homeownership #RealEstate #FirstTimeHomebuyer
Understanding Your Debt-to-Income Ratio (DTI): A Simple Guide | Winglender
The DTI ratio is a key factor for getting a mortgage. Learn how lenders calculate your DTI, and about loan options for higher DTI ratios.
winglender.net
August 7, 2025 at 8:06 PM
winglender.bsky.social
Buying a home? 🏡
The CFPB is your watchdog — fighting junk fees, shady lenders, and protecting your wallet. Know your rights.
🔗 shorturl.at/qEBr2

#Mortgage #CFPB #ConsumerProtection #FairLending
How the CFPB Acts as a Financial Superhero for Homeowners | Winglender
Discover how the CFPB protects you from predatory mortgage lenders and upholds fair practice and equity in the housing market.
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August 7, 2025 at 6:01 PM
winglender.bsky.social
🚨 First-time investor? Buying a $200K rental with a DSCR loan? Here's what it really costs. 💸

✔️ Down payment
✔️ Monthly payment
✔️ 6 months cash reserves
✔️ Real-world example

📲 I can help—DSCR loans available in most states!
🔗 Read more: shorturl.at/vul6Q
A Cost Breakdown of a $200K Rental Property Using a DSCR Loan
Learn how much it would cost a first-time real estate investor to acquire a $200K investment property using a DSCR loan.
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August 7, 2025 at 12:24 AM
winglender.bsky.social
📉 Rates are dropping!
That doesn’t mean you should jump at the first offer.
I’m licensed in CA and can save you BIG. 💸
Reach out via winglender.net, or upload your LE if you’re buying or refinancing.
#MortgageTips #CaliforniaRealEstate #LoanOptions #HomeLoanHelp #MortgageRates #MortgageBroker #REFI
August 4, 2025 at 11:21 PM
winglender.bsky.social
💡DSCR Loans Explained
W2? Don’t need it. 👋
DSCR loans are the cheat code to scaling your portfolio—no income docs, just cash flow.
Let’s build your empire. 🏡💸

🪽How to qualify for a DSCR loan in 60 seconds 💼📊 Scale fast! 🔗 winglender.net
youtube.com/shorts/ewQO_...
DSCR Loans Explained - Scale Your Portfolio Fast! | 🪽Winglender
YouTube video by Winglender
youtube.com
July 22, 2025 at 3:20 AM
winglender.bsky.social
📉 Rates may drop soon—but smart buyers know premium CA real estate is always in demand.

In a buyer’s market, timing is everything. Winglender can help you lock in the best loan options.
🔗 shorturl.at/KGzbm
📲 Let’s make a move. 🪽Winglender
Why the Time May Be Right to Buy Premium California Real Estate | Winglender
Discover why now is a strategic moment to buy premium California real estate. Learn about rate forecasts & how Winglender can help you save!
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July 17, 2025 at 4:39 AM