If you currently have a VA or FHA loan, you may be able to lower your interest rate, reduce your monthly payment, and skip two mortgage payments without the hassle of an appraisal or full documentation. A Streamline IRRRL (VA) or FHA Streamline Refi lets eligible homeowners refinance quickly with minimal paperwork and no out-of-pocket costs, since fees can be rolled into the new loan. These programs are designed for one thing: helping homeowners secure better terms without income verification or home equity requirements. For example, a veteran with a 7.25 percent rate could refinance into a 6 percent rate, save $300 plus monthly, and transition smoothly into their new payment. If you want to explore whether you qualify or want to run scenarios, I’m here to help. Drop your questions in the comments or message me directly.

Every Monday we meet at baci coffee in mission valley at 10 am to get the week started off right! Lots of deals, mindset & business conversations happening 🤝 our question of the week was: what’s something new you’re looking to do in 2026? Drop your answer below & join us next week!

In today’s buyers market, sellers are offering powerful incentives and many buyers don’t realize how much they can benefit. From closing cost credits to temporary rate buydowns and repair allowances, these perks can significantly reduce upfront costs and monthly payments. For example, on a $500,000 loan at 6.5 percent, a 2 1 buydown can lower the first-year payment by more than $600 per month. These incentives exist because competition is lower and sellers are motivated. As demand increases, these opportunities can disappear. If you’re considering purchasing, this is an ideal window to explore your options and maximize affordability. I’m happy to walk you through which incentives make the most sense for your financial goals and help you move forward with confidence.

Buyers finally have leverage again. From closing cost credits to 2-1 buydowns, sellers are offering real savings that can cut your payment by hundreds. If you’re thinking about buying, this is the window to negotiate strong. Comment BUYERS MARKET and I’ll break down exactly what incentives you can use.

The Fed dropped the federal funds rate by 0.25 percent which is their first move toward easing after a long stretch of high rates. But mortgage rates actually ticked higher and here is the part most people miss. Investors expected a bigger cut. When the Fed hinted that future cuts are not guaranteed the market adjusted and pushed bond yields higher. Mortgage rates follow bonds not the Fed so the 10 year Treasury jumped and took mortgage rates with it. Inflation is still sticky and job growth is cooling which makes long term investors demand higher returns. Translation mortgage rates may stay elevated even though short term rates softened a bit. If you are house hunting or planning to refinance timing matters more than ever. Locking in when the numbers make sense is still key. If you want a breakdown for your scenario or want to see if now is a good time to lock just message me.