Myrna Zelaya

Senior Loan Officer

NMLS# 1781256

510-303-9592

mzelaya@standardguaranteefinancial.com

Myrna Zelaya Senior Loan Officer

Blog

Is it Better to Buy or Rent?

Is it Better to Buy or Rent?

Deciding whether to rent or buy a home is more than a personal preference—it’s a financial decision that can affect your long-term stability and future wealth. Let’s break down the key factors that can help you decide what works best for

Aug 12, 2025 | Purchasing a Home

Learn More about Home Renovation Loans

Learn More about Home Renovation Loans

If you're planning to renovate your current home—or buy a property that needs work—a HomeStyle Renovation Loan from Fannie Mae may be a practical option. This type of loan combines the cost of purchasing (or refinancing) a home with the funds

Aug 05, 2025 | Purchasing a Home

Explaining the Mortgage Contingency Clause

Explaining the Mortgage Contingency Clause

Buying a home is a major decision, and most buyers need a loan to make it happen. That’s where the mortgage contingency comes in—a clause in your purchase agreement that can protect you if your financing falls through. What Is a Mortgage Conti

Jul 29, 2025 | Purchasing a Home

The Changing Tides of the Housing Market

The Changing Tides of the Housing Market

The real estate market is changing. One of the biggest updates is a noticeable increase in the number of homes for sale. This shift could benefit buyers, as more options mean less pressure and more chances to find the right home. What’s Affecting Af

Jul 22, 2025 | Purchasing a Home

Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations

Dreaming of Your Own Slice of Paradise? Vacation Home Buying Considerations

Thinking about buying a vacation home? Whether it’s a beach condo or a quiet cabin in the mountains, owning a second property can offer both personal enjoyment and long-term value. But before you buy, it’s important to understand the financial

Jul 15, 2025 | Purchasing a Home

A Guide to Using a Home Equity Loan for an Investment Property

A Guide to Using a Home Equity Loan for an Investment Property

If you're a homeowner with strong equity, now could be a great time to take the next step in building your financial future. One option to consider is using a home equity loan to buy an investment property. This approach can help you grow your real estate

Jul 08, 2025 | Refinancing a Home