Posts Tagged ‘rosevillemortgagelender’
How (and Why) the Federal Reserve Sets Interest Rates
August 22, 2025 The Fed’s Dual Mandate The Federal Reserve has two main goals they shoot for to keep the U.S. economy humming along: Keep inflation near 2% Maintain maximum employment (as long as it doesn’t push inflation above that 2% target) The federal funds rate is the Fed’s primary tool for managing both of…
Read MoreWhy Buying In The 2025 Housing Market May Be The Smartest Move
August 12, 2025 Waiting for Lower Mortgage Rates Could Cost You While the 2025 Sacramento area housing market is similar to past markets, it’s also unique in today’s economic climate. Mortgage rates have remained steady this year, and although there are indications that we may see rates decrease, no one can say exactly when or…
Read MoreWhy Some Homes Still Have High Prices in a Slow Market (and Why They’re Not Selling)
August 11, 2025 It feels like a contradiction- sales have slowed down, yet asking prices in some neighborhoods are still sky-high. The truth? A lot of sellers locked in ultra-low mortgage rates in 2020–2021 and have been hesitant to move. But now, many have outgrown their homes and are testing the market… the problem is…
Read MoreYou’re In Contract…Now What?
August 9, 2025 You’ve found your dream home, made an offer, and got the offer accepted (Yay!). Now the real work begins. One of THE most important steps is scheduling the right inspections to protect your investment and avoid costly surprises. I recently sat down with local realtor Geanne Pack to talk about the importance…
Read MoreThe Fed Hits The Snooze Button On Rates
August 8, 2025 For the fifth straight meeting, the Federal Reserve kept its benchmark interest rate (the Federal Funds Rate) unchanged at 4.25%–4.5%. This “rate pause”, which has been in place since January, was expected as the Fed keeps one eye on inflation and the other on the job market. Here’s the part that matters…
Read MoreWhat’s Your DTI And Why Should You Care?
July 31, 2025 When you apply for a mortgage, lenders look at a lot of numbers, but your Debt-to-Income ratio (DTI) is one of the biggest deal-breakers (or deal-makers) in the whole process. Right up there with your credit score, this formula plays a major role in whether you qualify for a loan and how…
Read MoreDon’t Give Up on Owning a Home: Some Creative Paths For Today’s Challenging Market
July 22, 2025 With more sellers putting their homes on the market this year we’re seeing more inventory, which is starting to lead to some leveling out in prices in some areas. A good thing. But prices are still high, and with the median sold price of $705,000 in Placer County for June 2025 and…
Read More“One Big Beautiful Bill” Signed Into Law: What It Means for Homebuyers & Investors
July 11, 2025 H.R. 1: New Housing Provisions That Could Impact Your Wallet Last week, President Trump signed H.R. 1, nicknamed the One Big Beautiful Bill, into law—and it includes major housing-related provisions that could benefit both homebuyers and real estate investors. Here’s a breakdown of what’s inside: 1. Mortgage Insurance Premium Deductions Made Permanent…
Read More5 Things Every First-Time Homebuyer Needs to Know Before You Buy
July 7, 2025 You Don’t Need 20% Down Many buyers still believe they need to put down 20%, but that’s simply not true anymore. There are many loan options that allow for much lower down payments, some as low as 3% or even 0% for qualified buyers. Closing Costs Can Be Covered Don’t let closing…
Read MoreIs It Still a Good Time to Buy a Home? Here’s What the Current Market Is Telling Us
July 1, 2025 A Fluid and Dynamic Market Recently, someone asked me what I thought about the current housing market…and the honest answer is, it depends. The real estate market is incredibly fluid and ever-changing, but if we’re looking at where things stand today, the overall sentiment is that it remains solid and stable. Inventory…
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