by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 26, 2024 | First Time Home Buyers, Home Buying, Real Estate
Investing in real estate as early as possible is one of the smartest financial decisions you can make, especially if you’re in California, where programs like bond initiatives can help you purchase a home with no down payment. These opportunities make entering the...
by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 19, 2024 | First Time Home Buyers, Home Buying, Real Estate, Technical Mortgages
Ever wondered how some investors in their 20s manage to own 20 (or more!) properties before they even hit 30? It’s not because they’ve won the lottery or inherited millions. Their secret? DSCR Loans (Debt Service Coverage Ratio Loans). We specialize in programs like...
by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 13, 2024 | Home Buying, Home Refinance, Market Update, Mortgage Rates
With all the news about the Federal Reserve lowering rates, you’d think mortgage rates would be plummeting. Unfortunately, it hasn’t quite played out that way—mortgage rates have actually been inching up! So, what gives? Fed Cuts vs. Mortgage Rates: A Misunderstood...
by Chris Kobz, SVP & Director of California Employee Loan Program | Nov 5, 2024 | First Time Home Buyers, Home Buying, Home Prices, Market Update, Mortgage Rates
With the presidential election around the corner, mortgage rates might be feeling the effects, depending on who wins. Here’s a quick look at what could happen: Rates Are Rising Mortgage rates have increased in recent weeks, influenced by market expectations...
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,...
