Interest Rates, Housing Inventory & Jobs – Central Valley Real Estate Outlook 2025 How they affect our business and buyers. What to expect: lower rates for homes and a steady job market with increasing wages. Don’t believe everything the news is telling us. First off, interest rates are lower and going down in the United […]
Empower Your Clients to Build Wealth Now The Central Valley isn’t just a market – it’s a gateway to stability and growth. With debunked depreciation myths, rising inventory, unmatched affordability, and a thriving lifestyle, 2025 is ripe for buyers. Encourage clients: “Don’t let headlines hold you back. Data shows values are climbing steadily, and buying […]
Home Values Are Rising Despite Media Claims – In today’s real estate market, there’s a lot of noise from the media suggesting that home prices are falling. Headlines scream about declining average and median home prices, painting a picture of a cooling market. But as a 40-year veteran in the mortgage industry, I can […]
Understanding the Loan Estimate (a mortgage fees disclosure): The Loan Estimate is a standardized three-page form mandated by the TILA-RESPA Integrated Disclosure (TRID) rule, issued by lenders to consumers applying for most closed-end consumer mortgages, including those for single-family residential properties. Its primary purpose is to provide a clear, concise summary of the key loan […]
Not a Myth: Why “Date the Rate, Marry the House” Is Your Ticket to Homeownership Success! Hold onto your hats, folks – there’s a fiery debate raging in the real estate and finance world, challenging the beloved adage, “date the rate, marry the house”! This catchy phrase urges homebuyers to snag a mortgage rate that […]
A Journey Through History: Mortgage Rates from 1995 to 2025. Want to know the real story behind mortgage rates? Let’s take a thrilling trip back in time and explore the historical data that shapes our “date the rate, marry the house ORIGINAL BLOG” strategy today! The numbers from 1995 to 2025 reveal a wild ride […]
What Drives Wild Swings in Mortgage Rates? [Topic 1] Bureau of Labor Statistics (BLS) and Their Job Numbers. Every month, headlines are made when the Bureau of Labor Statistics (BLS) releases the latest Nonfarm Payroll (NFP) report. These figures are viewed as a vital gauge of U.S. economic strength, influencing everything from mortgage rates to […]
🏗️ Tariff Uncertainty Shakes Up Builders, Retailers, and the Fed: What It Means for You If you’ve been wondering what’s happening with the economy lately, you’re not alone. Between new tariffs, shifts in consumer spending, and rising questions about interest rates, there’s a lot to unpack. Here’s a quick update on what’s happening behind the […]
FHA, USDA,, and VA, require your Spouse’s Credit – Even If They’re Not on the Loan When applying for a home loan, many borrowers are surprised to learn that even if their spouse isn’t applying for the mortgage, their credit report still needs to be reviewed. This is especially true for FHA loans and some […]
What Information You Need to Get a Home Loan: The 7-Step Mortgage Readiness Guide Are you thinking about buying a home, but unsure what documents or steps are involved in the mortgage process? Whether you’re a first-time buyer, moving up, or refinancing, getting your paperwork in order early can save you stress, money, and time. […]