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Over the last couple weeks, many buyers have noticed mortgage rates moving higher again. A big reason is the uncertainty happening globally right now, including ongoing conflict in the Middle East and broader economic volatility. Whenever uncertainty increases,...
One of the things I hear most often from buyers who are new to Sonoma County is some version of this: "I was pre-approved somewhere else, so I figured I was all set." And sometimes they are. But more often than not, the picture is a little more complicated than that —...
One of the hardest conversations I have is with successful self-employed clients who assume they can’t qualify for a mortgage. Not because their business isn’t doing well. But because their taxes are complicated. I recently spoke with a business owner here in...
Many people assume a mortgage denial is final. Especially when the reason given sounds definitive: “Your debt-to-income ratio is too high.” But often, that’s not the end of the story. I recently spoke with a borrower here in California earning a strong six-figure...
One thing I've learned after years of working with buyers and homeowners across Sonoma County is that most people don't fit neatly into a box. And the mortgage industry, for all its evolution, still tends to reward the borrower who does. W-2 income. Two-year...
I had a few clients reach out today after hearing about some new loan programs being promoted locally — things like “buy now, sell later” and “no income limit” options. And while those can sound great on the surface, there’s usually more to the story. Most of these...
Over the past couple of weeks I’ve had several conversations with clients who are feeling hesitant about making offers because of everything happening in the world right now. When major news breaks—wars, economic headlines, market swings—it’s completely natural for...
I wanted to give a quick market update since I’ve been getting quite a few questions this week about why interest rates suddenly moved higher. Below is a simple explanation of what we’re seeing right now and what we’ll be watching moving forward. When geopolitical...
Buying your first home is exciting. It is also a big financial step. The more prepared you are before applying for a mortgage, the smoother the process will be. Here is a simple, step-by-step checklist to help you feel confident and ready before you submit your first...
Many buyers assume the only way to purchase a home is to save a large down payment over several years. That belief quietly keeps capable buyers on the sidelines longer than necessary. That’s why California’s Dream For All program is getting renewed attention right...