Mortgage Industry News | California

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Winter Home Buying Up with Mortgage Rate Increases

There has been an increase in winter home buying as mortgage rates go up and fear of even higher rates spark additional home buyer activity.

Transparent Mortgage Recognized as Best San Diego Mortgage Broker

We’re excited to announce that Transparent Mortgage has been named the Best San Diego Mortgage Broker in 2021 by the San Diego Award Program.

Inflation-Adjusted MBS Yields Hit Record Lows

“Real” inflation-adjusted yields in the MBS market hit record lows this week. Here’s how inflation may affect mortgage rates.

New Conforming Loan Limits for 2022

The Federal Housing Finance Agency (FHFA) has announced the new conforming loan limits for 2022. Here’s what you need to know.

Meet Justin Flynn, Mortgage Loan Originator

Justin Flynn is a Mortgage Loan Originator at Transparent Mortgage. Learn more about him and his professional background.

Mortgage Rates Trending Upward

Mortgage rates spiked upward in late September. Here are the latest interest rate and real estate trends to know if buying a home.

Tappable Equity at an All-Time High

What is tappable equity and why was it so high in Q2 2021. Transparent Mortgage looks at the latest market home values and equity availability.

Transparent Mortgage Named One of the Best Mortgage Brokers in San Diego

Transparent Mortgage is honored to be named by Expertise.com as one of the Top 21 Best Mortgage Brokers in San Diego, CA for 2021.

How Your Rental Payment History Can Improve Your Chances of Buying a Home

A positive rental payment history can help you buy your first home, thanks to the new policy introduced by Fannie Mae and the FHFA.

About the RefiNow Home Refinancing Program

Fannie Mae recently announced the RefiNow limited cash-out home refinance for eligible borrowers. Learn more about this low-interest loan.

Mortgage Rates Reach Lowest Levels in 5 Months

Mortgage rates dropped to the lowest they’ve been since February 2021. Here’s what you need to know about this latest interest rate drop.

Is an ARM a Good Idea Right Now?

After the sub-prime market crash in 2008, the term “adjustable-rate mortgage” (or just “ARM”) has almost become a curse word in the world of finance. However, experienced mortgage lenders know that it is sometimes a better solution compared to a traditional fixed-rate mortgage. ARMs have made a slight comeback in Continue Reading →

How to Qualify for Down Payment Assistance

Here’s what you need to know about the CalHFA MyHome down payment assistance (DPA) program for first-time home buyers in California.

Luxury Home Sales Increased Significantly in Q1

According to recent sales data collected by Redfin, luxury home sales in the United States went up significantly in the first quarter of 2021. Compared to Q1 2020, they went up an astounding 41.6% in the high-end market between January and March of this year! By the Numbers Some may Continue Reading →

How to Use a DPA Loan to Eliminate Your Down Payment

What is a Down Payment Advantage (DPA Loan) and how can it help you eliminate your down payment for an FHA Loan? Here’s some helpful insight.

The Effect of Inflation on the Bond Market

Inflation is expected with the recovering economy. How will Fed policies impact the bond markets, stocks and mortgage rates?

The Truth About Skipping Mortgage Payments During a Refinance

Are you really skipping mortgage payments when refinacing your home loan? Transparent Mortgage has your answers!

Mortgage Rates Just Made a Big Jump Higher

Mortgage rates are on the move again, with a significant increase in interest rates on 30-year fixed loans and refinances. Learn more…

How is COVID-19 Affecting Home Buying Trends?

Today’s home buying trends have been dramatically impacted by the COVID-19 pandemic. Here are some interesting facts to consider.

Housing Credit Availability: Risks vs. Reality

The Urban Institute’s Housing Finance Policy Center is a think tank that analyzes mortgage and housing data throughout the United States. They recognize trends and provide insightful information to help lenders and consumers. Housing Credit Availability Index Every quarter, they update the housing credit availability index (HCAI), which measures the Continue Reading →

California Looking to Avoid a Wall Street Takeover of Foreclosures

A massive wave of foreclosures could be in California’s future, with new legislation to prevent them all from being converted into rentals.

Demand for Mortgage Refinancing is on the Rise

Mortgage refinancing demand spiked 20% after last week’s small mortgage rate increase. Transparent Mortgage analyzes this trend.

Jumbo Loans—What Today’s Mortgage Borrowers Need to Know

In the most basic sense, a “jumbo loan” (also known as a “jumbo mortgage”) is exactly what it sounds like. It is a larger-than-usual mortgage loan for borrowers purchasing a more expensive luxury property or in a highly competitive real estate market. It is important to understand what jumbo loans Continue Reading →

2021 Conforming Loan Limits Released by FHFA

On November 24, the Federal Housing Finance Agency (FHFA) announced the new maximum conforming loan limits for mortgages that can be acquired by Fannie Mae and Freddie Mac starting on January 1, 2021. Per the Housing and Economic Recovery Act (HERA) the conforming loan limits are adjusted every year based Continue Reading →

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