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11 Mar Mortgage Rates are Rising! What Does That Mean For You?

Posted at 17:49h in Mortgages by Luis Carranza 0 Comments
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As experts predicted, mortgage rates are increasing. In order to understand what this means for you, it's important to first know why rates are projected to increase. At the end of February, mortgage rates hit well over three percent. What is happening?...

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10 Dec The FHFA and FHA Set New Increasing Loan Limits for 2021

Posted at 11:12h in Mortgages by Luis Carranza 0 Comments
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Both the FHFA and FHA announced loan limits will be increasing starting first of the year. What does this new limit mean for prospective home buyers and home owners?...

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20 Oct Foreclosure Impact Will Hit the Industry in 2021 – but it’s Not as Bad as You Think

Posted at 09:23h in Mortgages by Luis Carranza 0 Comments
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The housing market has seen stable recovery, but a flood of foreclosures to hit the industry is in anticipation of 2021. About one-third of all Americans...

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24 Sep How to Increase Your Home Equity and Why It is Important

Posted at 10:03h in Mortgages by Luis Carranza 0 Comments
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What is home equity and why do I need it? This is a common question, but an important one. Building equity is a large part of owning a home because it can build wealth over time. ...

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18 Jun How has Lending Recently Changed?

Posted at 16:38h in Mortgages by Luis Carranza 0 Comments
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Plenty has changed in 2020. In the financial world, recent pandemic limitations pushed digitization to meet the high demand for continuing existing and new transactions; in fact, 82 percent of financial institutes expect to increase their use of technology....

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21 Apr Alternative Home Financing Options

Posted at 09:32h in Mortgages by Luis Carranza 0 Comments
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The conditions were set for a very competitive housing market. Mortgage rates, housing inventory and unemployment rates were all at record lows. And then COVID-19 changed everything. ...

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18 Feb New FICO Model Could Change Scores by 20 Points – for Better or Worse…

Posted at 07:04h in Mortgages by Luis Carranza 0 Comments
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It was just announced that coming this summer, FICO will be changing the formula for how credit scores are calculated. With about 90 percent ...

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10 Dec New Increased Loan Limits Effective in 2020: What Does this Actually Mean?

Posted at 07:08h in Mortgages by Luis Carranza 0 Comments
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Just before the end of November, the Federal Housing Finance Agency (FHFA) announced new maximums for 2020 conforming loan limits on mortgages...

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13 Nov Getting Over the Biggest Hurdle: How to Save for a Down Payment

Posted at 09:15h in Real Estate by Luis Carranza 0 Comments
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One of the biggest deciding factors when purchasing a home is if you have enough saved for the down payment. For first-time buyers, a down payment causes the most delay in making that initial step. ...

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19 Jun June 2019 Real Estate and Mortgage Trends, San Diego California

Posted at 08:30h in Market Trends by Luis Carranza 0 Comments
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Mortgage rates continue to plummet hitting their lowest since early 2018. After Memorial Day weekend, rates fell in response to trade war tensions and market volatility....

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Recent Posts
  • 2021 April Real Estate and Mortgage Trends
  • Mortgage Rates are Rising! What Does That Mean For You?
  • Consider Building New if You Are In the Market to Buy
  • 2021 March Real Estate and Mortgage Trends
  • Why it’s a Good Idea to Work with Your Lender if you are on a Forbearance Plan
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LUIS CARRANZA

Loan Officer
NMLS# 502320

[email protected]
Cell: 619.972.6144
Fax: 877.766.4549

 

 

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