Cathy Sabater Mortgage Strategist | VA Specialist
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**Welcome to the 2026 Mortgage & Real Estate Playbook!** I’m **Cathy Sabater — Mortgage Strategist, Proud Veteran, and VA Loan Specialist** helping buyers and homeowners make smarter housing decisions using **Data, Not Hype.** On this channel: ✅ VA loans & zero-down strategies ✅ Mortgage options, credit & cash-to-close ✅ Real estate rules, risks & deal killers ✅ Housing market updates & relocation strategy ✅ Home equity & long-term real estate wealth **H.E.R.O. — Helping Each Renter Own** San Diego | Licensed in CA • NV • TX • FL • GA **Cathy Sabater | nmls 373470** Empire Home Loans | nmls 1839243 Equal Housing Lender Talk Mortgage Options (15 Min) https://scheduler.zoom.us/cathy-sabater-loan-officer-proud-veteran/mortgage-strategy-call and See Your Home Value & Equity. https://homequityreport.com/cathy5/home-value For educational purposes only. Not a commitment to lend. Loan approval, rates, terms, and program availability are subject to borrower qualification and may change.
California SB 296: Massive Property Tax Changes for Disabled Veterans
Cathy Sabater Mortgage Strategist | VA Specialist · 2 views · 1 hour ago
Step 1: Start Here — Your Mortgage Roadmap
Cathy Sabater Mortgage Strategist | VA Specialist · 5 views · 3 days ago
Step 5: Why Not All Mortgage Pre-Approvals Are Created Equal
Cathy Sabater Mortgage Strategist | VA Specialist · 4 views · 3 days ago
VA Buyers: Zero Down Doesn’t Mean Zero Cash
Cathy Sabater Mortgage Strategist | VA Specialist · 7 views · 1 day ago
Step 4: How Credit & Debt-to-Income (DTI) Impact Your Mortgage
Cathy Sabater Mortgage Strategist | VA Specialist · 6 views · 3 days ago
Price Cut or Seller Credit? Which Saves Buyers More?
Cathy Sabater Mortgage Strategist | VA Specialist · 26 views · 8 days ago
Step 2: Why Your Loan Application Is Your Financial Blueprint
Cathy Sabater Mortgage Strategist | VA Specialist · 5 views · 3 days ago
Step 3: The Mortgage Document Checklist Buyers Need
Cathy Sabater Mortgage Strategist | VA Specialist · 2 views · 3 days ago
Why VA Buyers Still Need Cash at Closing
Cathy Sabater Mortgage Strategist | VA Specialist · 9 views · 6 months ago
The Disabled Veteran Property Tax Trap
Cathy Sabater Mortgage Strategist | VA Specialist · 12 views · 2 months ago
Stop Going to Open Houses Without Doing This First
Cathy Sabater Mortgage Strategist | VA Specialist · 23 views · 1 month ago
Step 6: Cash to Close Explained for Homebuyers
Cathy Sabater Mortgage Strategist | VA Specialist · 8 views · 3 days ago
How to Finance an ADU Without Losing Your Low Mortgage Rate
Cathy Sabater Mortgage Strategist | VA Specialist · 18 views · 1 month ago
The Truth About Buying a Fixer-Upper in 2026
Cathy Sabater Mortgage Strategist | VA Specialist · 280 views · 1 month ago
Stop Guessing. Start Owning. | Meet Cathy Sabater Mortgage Strategist
Cathy Sabater Mortgage Strategist | VA Specialist · 107 views · 8 months ago
Divorcing With a VA Loan? How to Protect Your Entitlement
Cathy Sabater Mortgage Strategist | VA Specialist · 111 views · 5 months ago
Inherit a House: Sell, Rent, or Keep?
Cathy Sabater Mortgage Strategist | VA Specialist · 17 views · 2 weeks ago
The "Unpermitted" Trap That Makes Banks Say NO 🛑 with Debbie Avey
Cathy Sabater Mortgage Strategist | VA Specialist · 14 views · 5 months ago
Self-Employed Mortgage Guide : 4 Ways to Qualify
Cathy Sabater Mortgage Strategist | VA Specialist · 16 views · 2 months ago
New Mortgage Credit Scores: Do You Qualify? (2026 Update)
Cathy Sabater Mortgage Strategist | VA Specialist · 10 views · 3 months ago