Mortgage Process for First-Time Homebuyers Buying your first home is one of the most exciting – and sometimes overwhelming – financial steps you’ll ever take. Understanding the mortgage process makes everything easier, smoother, and more predictable. At First Capital Mortgage Inc., we guide you through each stage with clear communication, strategic planning, and personalized support […]
Mortgage Rates Update – Week of Oct 3, 2025 Powered by First Capital Mortgage Inc. • Serving California & Tennessee In this mortgage rates update, we break down weaker job growth, government shutdown risks to loan timelines, and bond strength that could open a path to lower rates – plus clear steps to be lock-ready. […]
Why Buyers Are Choosing to Buy a Home in 2025 If you’re considering whether to buy a home in 2025, history shows it’s still one of the smartest wealth-building moves you can make. Home values have risen in 77 of the last 83 years, and today’s conditions – lower rates, more inventory, and more flexible […]
Fed Rate Cut Mortgage Rates 2025: What It Means for You The Fed rate cut mortgage rates 2025 outlook is coming into focus. Markets remain cautious, so mortgage rates can be sticky and volatile even as the Fed eases policy. Below is a clear plan for buyers, homeowners, and investors to protect affordability and act […]
Action Time: Lock Today’s Low Rates Before Prices Push Higher This is the moment to act now on home loan rates before they fuel demand, inflate prices, and potentially exclude buyers from their dream homes. Waiting increases your Property Taxes that are based on the purchase price. Why to Act Now on Home Loan Rates […]
Knoxville Housing Affordability: Why the Best Homes Still Move Fast Knoxville housing affordability is a tale of two speeds. Overall days on market have stretched across Knoxville and the surrounding towns, yet the most desirable, well-priced listings still go pending quickly – often in a ~18 – 22 day window. If you’re shopping in Farragut, […]
Central Valley Housing Affordability: Why Affordable Homes Move Fast Central Valley housing affordability is tight. While prices may look lower than the Bay Area, “affordable” doesn’t mean easy. With limited inventory and quick pendings, the most sought-after homes are often under contract in two to three weeks. For Bay Area buyers moving east to Manteca, […]
Refinance Readiness California: Prepare Now for Lower Rates in 2025 Refinance Readiness California: Prepare Now for Lower Rates in 2025 First Capital Mortgage Inc. • Steve McNeal, NMLS 256426 (CA BRE 01017974) NMLS 2228346 Today’s sample pricing (subject to change): • Conventional purchase / no cash-out: 6.375% (great credit) • Conventional cash-out: ~6.875% • FHA […]
Buying a home in 2025 doesn’t have to be scary. Central California offers affordability, growing inventory, and stable rates near 6.5%. From Sacramento to Merced County, discover why now is the perfect time to buy with confidence.
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 […]