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Abby Torres

Contributing Author

Abby Torres

VP Mortgage Lending · Rate

13 Articles

Mindset Apr 17, 2026 10 min read

The Comparison That Is Quietly Eroding Your First Five Years

You are comparing your first year to someone's fifteenth. The research on why the comparison distorts, what a...

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Growth Apr 13, 2026 8 min read

The Conversation You Are Avoiding With Your Biggest Client Will Define Your Year

Every real estate professional carries a list of difficult client conversations being postponed. This article covers the research...

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Wealth Apr 6, 2026 10 min read

You Closed $8 Million Last Year and You Cannot Cover April’s Mortgage. We Need to Talk About That.

A high-grossing real estate career without cash flow architecture produces financial anxiety regardless of volume. The structural reason,...

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Wealth Apr 3, 2026 12 min read

Across a Career of Irregular Income, Retirement Planning Requires a Different Architecture

Conventional retirement advice assumes a steady paycheck. Commission-based real estate professionals need a different architecture, the account structures...

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Wealth Apr 1, 2026 11 min read

The Second Check: The Best Professionals in Real Estate Build More Than One Income

The real estate professionals who operate at the top of the market across fifteen years share a structural...

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Intel Feb 3, 2026 4 min read

The Hidden Cost of Homeownership: What No One Tells You

Buying a home doesn’t mean you own it, understand the financial system before committing to a mortgage.

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Intel Feb 2, 2026 3 min read

Buy a Home With Zero Down: How the USDA Loan Opens Doors

Own a home with zero down payment, no cash reserves, and flexible income limits. Here’s how.

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Influence Jan 30, 2026 3 min read

Why Most Buyers Misread Listings and What Actually Matters

Listings highlight features, but buyers make mistakes when they treat them as truth instead of signals.

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Influence Jan 28, 2026 3 min read

What Your Agent Wishes You Understood Before Touring Homes

Touring homes feels productive, but it rarely determines outcomes. This article explains what actually shapes leverage, pricing, and...

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Influence Jan 21, 2026 3 min read

Stop Confusing Busyness With Real Demand

Full calendars don’t equal market leverage. Real demand shows up differently—and it changes how brokers price, choose clients,...

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Intel Dec 9, 2025 6 min read

What Chicago’s Real Estate Market Must Prepare For: ComEd’s $803 Million Credit Windfall Meets a $268 Million Rate Hike Request

Electricity costs have become one of the most influential line items in Chicago real estate underwriting. From high-rise...

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Wealth Sep 5, 2025 4 min read

Renting Over Owning: Why Your Primary Residence Might Be Costing You Wealth

Renting can outpace owning in building wealth, learn how opportunity costs reshape the game.

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Abby Torres

About the Author

Abby Torres

Abby Torres is a passionate mortgage lender with a knack for helping clients and real estate partners bring renovation dreams to life. As Vice President of Mortgage Lending at Guaranteed Rate, she specializes in home renovation loans. Originally from Los...

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