Market updates
Straight talk on rates, Orange County housing and strategy for buyers, homeowners and investors.
Rates
Mortgage rates track the 10-year Treasury, inflation data and Fed outlook. Watch the monthly jobs and CPI reports — that's when rates move most. Ask me about a rate lock or float-down if you're under contract.
Orange County
With limited listings across Irvine, Newport Beach and South County, a fully underwritten pre-approval and a quick close can win against higher offers.
Equity
If your first mortgage rate is below today's market, a HELOC can unlock cash for a remodel, ADU or debt payoff without refinancing the whole loan.
Self-employed
Write-offs lower taxable income — and your qualifying income with traditional lenders. Bank statement loans use deposits instead, often qualifying for far more.
Investors
DSCR loans qualify on rent vs. payment, with no personal income docs, and can close in an LLC. Great for buyers in TX, FL, AZ and beyond.
Refinance
When you need a large lump sum and the blended cost beats a HELOC + existing mortgage. I'll run a side-by-side so the math is clear.
Soft credit check only. No SSN required to see options.
