Recent Articles
Why a Home Inspection Is a Must for Homebuyers
Learn why a home inspection is essential for buyers—even in a competitive market. Discover how it protects your investment and helps avoid costly surprises.
Published on 05/14/2025
Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
Mortgage rates dipped slightly to 6.86% as bond markets stabilized. Learn how rates are tied to investor expectations—and why lenders adjust pricing ahead of market changes.
Published on 05/07/2025
March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers
March 2025 housing data shows rising inventory, slowing price growth, and a shift in buyer behavior. Learn what this means for buyers and sellers heading into spring.
Published on 04/30/2025
Why the Housing Market Isn't Crashing in 2025
Discover why the housing market isn’t crashing in 2025—and why now might still be a smart time to buy. Learn about market stability, lending trends, and how equity protects today’s homeowners.
Published on 04/23/2025
How Are Property Taxes Calculated? Here’s What Homebuyers Should Know
Learn how property taxes are calculated, what factors impact them (like land value and zoning potential), and how to budget smart as a homebuyer in 2025.
Published on 04/16/2025
Down Payment Assistance
Mojave River Mortgage's Empowered Down Payment Assistance (DPA) Program helps homebuyers by offering a forgivable grant of 2% or 3.5% of the home’s purchase price for use toward the down payment. Eligible borrowers include first-time buyers, professionals, and those in underserved areas or within income limits. The program supports various property types and requires a minimum credit score of 580, a DTI ratio under 50%, and completion of homebuyer education. Seller concessions up to 6% are allowed. Available in California, it applies only to 30-year fixed FHA loans. It’s a great option to make homeownership more accessible.
Published on 04/10/2025
Southern Housing Markets Offer New Opportunities for Homebuyers
Explore how southern U.S. cities like Miami and Memphis are becoming more accessible to homebuyers due to increased inventories and price reductions.?
Published on 04/09/2025
Townhomes: A Smart Solution for Today's First-Time Homebuyers
Discover why townhomes are becoming a popular choice for first-time homebuyers, offering affordability, low maintenance, and community amenities in today's housing market.
Published on 04/02/2025
Why Waiting to Buy a Home Could Cost You
Waiting to buy a home in today’s market could cost you more in the long run. Learn why acting now—despite mortgage rates—might be the smartest move for future homeowners.
Published on 03/26/2025
Falling Mortgage Rates Could Revitalize the Housing Market – What It Means for Buyers & Sellers
Mortgage rates have dropped to their lowest levels since December, making homeownership more affordable. Learn what this means for buyers and sellers in today’s market.
Published on 03/19/2025
California Housing Market Forecast for 2025
The California Association of Realtors (C.A.R.) projects that existing single-family home sales will reach 304,400 units in 2025, marking a 10.5% increase from 2024's anticipated 275,400 units. This uptick suggests a revitalized market with more transactions occurring statewide. In terms of pricing, the median home price in California is forecasted to rise by 4.6% to $909,400 in 2025, following a projected 6.8% increase to $869,500 in 2024. This steady appreciation reflects sustained demand and limited housing supply.
Published on 03/14/2025
Smart Homebuyer’s Advantage: Working with a Wholesale Mortgage Broker
Navigating the mortgage process can feel overwhelming, especially when every lender claims to offer the best deal. But what if you had someone who could compare dozens of loan options for you and find the perfect fit—all while saving you time and money? That’s exactly what a wholesale mortgage broker does.
Published on 03/14/2025
Selling Your Home? What You Need to Know About Capital Gains Taxes
Learn how capital gains taxes work when selling your home and how to reduce what you owe. Consult a tax professional for personalized advice.
Published on 03/12/2025
Why Now Is the Time to Apply for a Mortgage
Mortgage demand is surging as rates drop. Don’t wait—now’s the time to apply and lock in your opportunity before competition heats up.
Published on 03/05/2025
Mortgage Rates Hit 4-Month Lows: What This Means for You
Mortgage rates have dropped to a 4-month low, creating new opportunities for homebuyers and homeowners looking to refinance. Learn how to take advantage of lower rates today.
Published on 02/26/2025
Buying vs. Renting in 2025: Why Homeownership Still Wins
In 2025, buying a home is more affordable than renting in most U.S. markets. Learn why homeownership remains the smarter long-term investment.
Published on 02/19/2025
Home Prices Are Rising—But That’s a Good Thing!
Home prices are rising at a steady pace, creating great opportunities for buyers and sellers in 2025. Learn how this balanced market benefits you!
Published on 02/13/2025
Thinking About Moving in 2025? Here’s How to Make It Happen!
Thinking about moving in 2025? Learn why so many Americans are relocating and how to turn your dream move into reality with the right planning
Published on 02/05/2025
How the Latest Executive Order and Mortgage Rates Impact Homebuyers in 2025
President Trump's executive order targets housing costs, but mortgage rates remain steady. Learn how these changes impact homebuyers and homeowners in 2025.
Published on 01/29/2025
Celebrating American Resilience: A Look at Recent Mortgage Rate Trends
Explore mortgage trends and homeownership insights this Inauguration Day.
Published on 01/20/2025