Recent Articles
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
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