by Chris Kobz, SVP & Director of California Employee Loan Program | Apr 29, 2025 | First Time Home Buyers, Home Buying
What if buying a home was easier — and more affordable — than you thought? Most buyers overestimate what it takes to qualify for a home. With the CELP Team, it only takes a few minutes to see what’s truly possible — and you can do it all from the comfort of your own...
by Chris Kobz, SVP & Director of California Employee Loan Program | Apr 16, 2025 | First Time Home Buyers, Home Buying, Home Prices, Real Estate
If you’re a California public employee and feeling overwhelmed by multiple monthly bills—credit cards, car payments, student loans—you’re not alone. It’s tough to get ahead when everything’s pulling from your paycheck at once. But there’s a smarter way to manage it...
by Chris Kobz, SVP & Director of California Employee Loan Program | Mar 18, 2025 | Down Payment Assistance, First Time Home Buyers, Home Buying, Home Prices
California is known for its beautiful landscapes, vibrant cities, and diverse communities—but it’s also famous for its competitive housing market. If you’re considering purchasing a home in California, understanding the mortgage process is essential to ensuring a...
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 | Jan 21, 2025 | First Time Home Buyers, Home Buying, Mortgage Rates, Real Estate, Selling Your Home
One of the biggest misconceptions in home buying is focusing solely on interest rates. Here’s the truth: you only get one chance to lock in a lower home price. Interest rates, on the other hand, can always be improved through a refinance when they drop in the future....
by Chris Kobz, SVP & Director of California Employee Loan Program | Dec 3, 2024 | First Time Home Buyers, Home Buying, Market Update, Real Estate
More Buying Power for Homebuyers in 2025: Conforming Loan Limits Raised to $806,500! Big news for homebuyers—your purchasing power just got a boost! The Federal Housing Finance Agency (FHFA) has announced an increase in the conforming loan limit for...
