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
housing affordability
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
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
Updated 2026 Conforming, FHA & VA Loan Limits for Los Angeles & Ventura Counties
Every year, the Federal government updates mortgage loan limits to reflect housing market conditions, and 2026 is no different. Not all counties are created equal. Both Los Angeles and Ventura Counties are in high cost areas, but they can have different loan limits. That means for homebuyers ... » Learn More about Updated 2026 Conforming, FHA & VA Loan Limits for Los Angeles & Ventura Counties