Every few months the news cycle grabs onto a dramatic housing headline , and the most recent one claims that “foreclosures are rising sharply.” Technically, some foreclosure categories have increased year-over-year, but the real question is: compared to what? When you look at the actual data, ... » Learn More about Are Foreclosures Really “Surging”? Here’s the Real Story Behind the Headlines
Not All Mortgages Are Created Equal: Understanding the Power of Non-QM Loans
When you're navigating the lending world, especially here in the San Fernando Valley and Greater Los Angeles, you’re going to hear two terms thrown around a lot: Qualified Mortgage (QM) and Non-Qualified Mortgage (Non-QM). They sound technical, and honestly they are. But understanding the difference ... » Learn More about Not All Mortgages Are Created Equal: Understanding the Power of Non-QM Loans
San Fernando Valley Housing Market Update December 2025
As we wrap up 2025, I want to break down what’s really going on in the San Fernando Valley housing market. The big takeaway: single family homes and condominiums are behaving very differently, and lumping them together doesn’t tell the full story. Single Family Homes: Still Holding Their ... » Learn More about San Fernando Valley Housing Market Update December 2025
Reverse Mortgages vs. Home Equity Investments: Understanding the True Long Term Cost of “No Payment” Options
I have heard from several homeowners lately that want to tap into their equity. Refinancing into a standard forward mortgage is an option for some, but many don't want to mess with their existing mortgage, deal with a Home Equity Line of Credit with another payment, or they want to eliminate their ... » Learn More about Reverse Mortgages vs. Home Equity Investments: Understanding the True Long Term Cost of “No Payment” Options
Fed Rate Cuts, Mortgage Rates, and Housing: Understanding the Disconnect as We Head Into 2026
On December 10, 2025, the Federal Reserve once again trimmed the overnight federal funds rate, reducing the target range by 0.25% to 3.50%–3.75%, the third consecutive cut this year. The move shows policymakers are responding to slowing economic momentum, particularly in the job market, while ... » Learn More about Fed Rate Cuts, Mortgage Rates, and Housing: Understanding the Disconnect as We Head Into 2026