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Recent Articles

The Housing Bubble Popped, and You Missed It
Mortgage rates have been over 6% for over a year and a half now (they passed 6% in September of 2022) and haven’t looked back. The folks that have been sitting on the sideline waiting for a housing bubble to pop, missed a very loud noise that eerily sounded like water, dish soap, and a...
What is the Point to Paying Points?
A big shout out to fellow author, Arnie Aurellano at the Scotsman Guide for first reporting on the Freddie Mac data that came out in January focusing on paying points in order to buy down the rate on your mortgage. A quick “Mortgage 101” reminder of what the concept...
How the Heck do Homebuilders Have Those New Lower Rates?
I’ve seen them.  You’ve seen them.  Driving up and down Interstate 5, or maybe on Highway 26 – do these new construction communities have access to a secret pile of money that they can loan out at rates that are a full 2% less than what other lenders have access...
Why are Mortgage Credit Scores Different Than What I see when I Pull It?
Why is My Credit Score Different from what the Lender Sees? I get one of two responses (either shock or Ahhhhhh) after reporting back to potential borrowers what their credit scores are after taking their mortgage application: 1)      Shock ...
2024 CalHFA Dreams for All Down Payment Assistance Program Update
Some exciting updated regarding the State of California’s “Dreams for All” down payment assistance program for 2024! It is confirmed that it is coming back, but there are some major changes to it this year (some are for the better and some are for the worse). ...
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