A key inflation metric turns negative for the first time since the initial Covid-19 outbreaks For the past few years, interest rates have remained at elevated levels due to high inflation. The words to describe the inflation have evolved over time; initially it was called transitory, and then persistent, stubborn, and sticky. Now inflation can be […]

The answer depends on where you look Recent headlines have touted “All-Time” Highs for home prices. Despite higher mortgage rates, the real estate market has marched upward, with most areas seeing price increases over the past year. In fact, the median home price in California topped $900,000 for the first time ever in April and […]

If your credit card balances are creeping up on you, it may be time for a cash-out refinance Total US household debt continues to climb even as borrowing costs rise with higher interest rates, particularly on credit cards. The total debt level for credit cards hit a record amount of $1 trillion…with a T!!! And […]

May seems to always be the most hectic month of the year.  Graduations, picnics, school parties, sports, boating…commitments and fun keep us busy all month long, and we’re sure the same is true for you. The real estate market has a way of hitting its full stride in May as well.  For the last few […]

Let’s Get Real about California’s new loan program coined Dream For All. The Blue Waters Group has this shared appreciation 2nd mortgage available to eligible applicants when it comes back on April 3rd, but is it really a Dream “For All?” It truly is a great loan program for those who qualify, as it will allow […]

  Our team has become well-versed with the new California Dream For All Loan program and is ready to offer it to first-generation home buyer clients when the program is released on April 3rd.  Let’s unpack a common example and see how this program functions. Assume someone buys a home for $500,000.  They would obtain […]

For those of us who miss the sunshine during these cold wintery months, springtime is a welcomed season. With daylight savings and the spring equinox both later this month, it feels like Spring is right around the corner. But for the real estate market, spring is already here! The months of April-June (known as the […]

What do house cleaners and business coaches have in common?  For me, they both provide accountability, but in very different ways. Let me explain, in hopes of inspiring you to recommit to any 2024 goals and resolutions! Thursdays used to be our family’s ritual clean-up night.  We would tidy up the house in preparation for our […]

The difference between mortgage rates & U.S. treasury rates (aka-The Spread) is the story to watch in 2024 For the past 6 months we’ve been pointing out how many interest rate markets are out of whack. While technical in nature, these topics are SUPER IMPORTANT to watch if you are even remotely interested in the […]

More evidence lower mortgage rates should be on their way At the beginning of summer, We wrote a fun Top Gun themed post about how inverted “yield curves” are an indicator that lower mortgage rates are on their way (click on the link above for a refresher). As we now approach the end of summer, We’re […]