by Chris Kobz, SVP & Director of California Employee Loan Program | Feb 20, 2025 | Down Payment Assistance, First Time Home Buyers, Home Buying, Real Estate
Thinking about buying a home but worried about the upfront costs? The California Employee Loan Team is trained and certified in all CalHFA programs, giving you access to exclusive assistance that can cover your down payment and closing costs. What is CalHFA and Why...
by Chris Kobz, SVP & Director of California Employee Loan Program | Feb 11, 2025 | Credit, Credit Score, Home Buying
When starting the home loan process, one of the most common concerns among buyers is how a mortgage preapproval will impact their credit score. We prioritize your financial well-being and privacy. That’s why we use a strategic approach to credit inquiries—leveraging...
by Chris Kobz, SVP & Director of California Employee Loan Program | Oct 29, 2024 | First Time Home Buyers, Home Buying, Insurance, Market Update
Navigating California’s Insurance Crisis: How Our Mortgage and Insurance Partnerships Keep Your Home Purchase on Track California’s insurance crisis is now disrupting the housing market in serious ways, with nearly one in seven home sales affected. Buyers are...
by Chris Kobz, SVP & Director of California Employee Loan Program | Oct 8, 2024 | First Time Home Buyers, Home Buying, Market Update, Mortgage Rates
Timing is everything, maybe. The recent jobs report was a reminder to homebuyers and homeowners looking to refinance that trying to time mortgage rates is tricky and can be risky. Many people expecting lower rates were surprised when they went up instead. Last week,...
by Chris Kobz, SVP & Director of California Employee Loan Program | Aug 27, 2024 | First Time Home Buyers, Home Buying, Market Update, Mortgage Rates
Today’s mortgage scene is looking a bit brighter! The average rate for a 30-year fixed mortgage is now 6.51%, a small drop from last week. Meanwhile, the 15-year fixed rate is sitting at 5.91%, also down slightly. With inflation finally cooling off and the job...
