Congress has officially passed H.R. 6644, the 21st Century ROAD to Housing Act, one of the most significant federal housing packages we've seen in years. The bill became law despite not being signed by President Trump, as Trump didn’t veto it, and under the Constitution, a bill that has passed both ... » Learn More about The 21st Century ROAD to Housing Act: A Step in the Right Direction, But Housing Is Still a Local Issue
economics
California Dream For All – First Time Buyer Program Returns For 2026
The California Housing Finance Agency (CalHFA) Dream For All Shared Appreciation Loan is back for 2026 and offering a powerful down payment assistance opportunity for first generation, first time homebuyers... especially here in Los Angeles, where saving for a down payment can feel daunting. The ... » Learn More about California Dream For All – First Time Buyer Program Returns For 2026
Mortgage Rates Have Dropped to Multi-Year Lows But Your Exact Rate Still Depends on Your Profile
I always say “When you hear it on the news, it’s obsolete”. When you hear the mortgage rates have dropped from the media, it’s based on Freddie Mac data that can be a week old. Rates can change a couple times a day, depending on financial markets. Over the past year, we’ve watched mortgage ... » Learn More about Mortgage Rates Have Dropped to Multi-Year Lows But Your Exact Rate Still Depends on Your Profile
Are Foreclosures Really “Surging”? Here’s the Real Story Behind the Headlines
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