Recent Articles
Rent vs. Buy in 2025: Is Now the Right Time to Purchase a Home in California?
Is it smarter to rent or buy in 2025? With rising home prices and interest rates hovering around 6.75%, many California buyers are unsure. This guide from Mojave River Mortgage breaks down the real numbers for first-time buyers, move-up homeowners, and real estate investors—showing how homeownership can build equity, reduce taxes, and set you up for long-term wealth, even in today’s market.
Published on 06/10/2025
Asset-Based Home Loans with No Income Documentation | Mojave River Mortgage
Looking for a mortgage without traditional income proof? Our asset-based loan program lets high-net-worth borrowers qualify using liquid assets—no job or income documentation required. With loan amounts up to $4 million, flexible LTVs, and fast closings, Mojave River Mortgage helps you leverage your wealth without selling investments.
Published on 06/10/2025
Delayed Financing in California: Refinance Immediately After Paying Cash for a Home
Bought a home with cash? Refinance right away with Mojave River Mortgage’s Delayed Financing loan—no 6-month wait required. Get liquidity fast.
Published on 06/04/2025
Why Now Might Be the Best Time in Years to Buy a Home (Seriously)
The housing market is shifting—and it's shifting in your favor. Learn why rising inventory, slower sales, and increased negotiating power mean buyers have the upper hand. Don’t miss your window.
Published on 06/04/2025
🧮 Free Mortgage, Down Payment & Affordability Calculator – Instantly Know What You Can Afford!
Easily calculate your home affordability, monthly mortgage payments, and down payment needs with our free interactive Mortgage Calculator from Mojave River Mortgage. This real-time tool helps buyers and investors estimate their buying power and compare loan options to make smarter financial decisions.
Published on 06/03/2025
Introducing the Mojave 2nd: A Flexible Bank Statement Second Mortgage for Self-Employed Borrowers
Explore the Mojave 2nd — a bank statement-based second mortgage designed for self-employed borrowers. No W-2s required, fixed-rate options, up to 80% CLTV, and up to $500K loan amounts.
Published on 06/03/2025
Top Real Estate Crowdfunding Platforms to Raise Capital for Rental Property Investments in 2025
Discover the best real estate crowdfunding platforms for 2025 to raise capital for rental property investments. Compare top tools like Fundrise, CrowdStreet, and SyndicationPro to find the right fit for your investor base and funding goals.
Published on 06/03/2025
Get Pre-Approved for a Home Loan in Minutes — No Credit Impact
Get fast, free mortgage pre-approval from Mojave River Mortgage—serving homebuyers across California. No credit impact, valid for 120 days, and ideal for first-time buyers, investors, and move-up homeowners. Start your home loan journey with confidence today.
Published on 06/03/2025
1% Mortgage Rate Buydown – Limited-Time Homebuyer Incentive from Mojave River Mortgage
Get 1% off your mortgage rate for the first year! Limited-time offer for primary homebuyers. Ask Mojave River Mortgage how to qualify today.*
Published on 06/02/2025
Home Loans Made Easy | Trusted Mortgage Broker in Victorville, CA – Mojave River Mortgage
At Mojave River Mortgage, we make it easy to secure competitive home loans, whether you're a first-time homebuyer, looking to refinance, or shopping for low mortgage rates. As a leading mortgage broker in Victorville, CA, and Apple Valley, CA, we combine local expertise with powerful online tools like our secure loan application and trusted platforms like Zillow and Yelp.
Published on 05/30/2025
The Secret Every Successful Home Seller Knows (But Most Miss)
Discover the simple but powerful secret that helps homeowners sell faster and for top dollar in today's real estate market. Hint: It’s not just about price.
Published on 05/28/2025
April 2025 Housing Market Update: A Shift That Favors Buyers
Home prices are cooling, inventory is rising, and buyers are gaining leverage. See what the April 2025 housing market update means for you.
Published on 05/23/2025
Top 5 Best Reasons For A Cash-Out Refinance💰🏡
“A cash-out refinance isn’t just a loan—it’s a strategy. Used properly, it can help you build wealth, reduce financial stress, and achieve long-term goals.” “Using a cash-out refinance to upgrade your home is one of the best investments you can make. Renovations may increase your home’s resale value and improve your quality of life.” “Savvy homeowners often use cash-out refinances to fund down payments on rental properties or vacation homes—turning their equity into income-generating real estate.”
Published on 05/19/2025
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