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Home Loan Blog Articles from Golden Pacific Home Loans of San Ramon

Stay informed and learn more about home loan matters and housing market from our home loan blog articles below. Scroll down to the Categories section or to the bottom of this page to see more home loan blog articles.

Contact our Golden Pacific Home Loan agents in San Ramon for questions about best home loan mortgage and refinance opportunities.

Walkability

Walkability

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. What Buyers Will Give Up for Walkability Living in areas that are close to shops and restaurants is becoming increasingly attractive for both young and older...

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Mortgage Rates Inch Down

Mortgage Rates Inch Down

Mortgage rates decreased for the second consecutive week but still remain above 6.5%, a far cry from a year ago, muting any celebration from borrowers. Freddie Mac reports the 30-year fixed-rate mortgage averaged 6.69% this week.

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Mortgage Rates Rise as Debt Ceiling Deadline Looms

Mortgage Rates Rise as Debt Ceiling Deadline Looms

Home buyers faced higher mortgage rates this week as all eyes remain on negotiations in Washington over the nation’s debt ceiling. Economists warn of dire economic consequences if America goes into default on its debt, and that would almost definitely impact borrowing costs.

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Mortgage Rates Are Poised To Fall

Mortgage Rates Are Poised To Fall

The U.S. Federal Reserve isn’t expected to announce another interest rate hike in the wake of the banking crisis, especially as the inflation the Fed has been fighting continues to slow. The change in policy could give mortgage interest rates some room to come down. (Mortgage rates are separate from the Fed’s short-term rates, but they have been following a similar upward trajectory.)

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Are More Homeowners Cashing In on Their Equity?

Are More Homeowners Cashing In on Their Equity?

Despite increasing equity, fewer homeowners are taking out home equity lines of credit. A March 18 report from ATTOM Data Solutions shows the number of HELOCs issued in the fourth quarter of 2021 was down 5.5% from the previous quarter, and 4.2% below the level issued in the fourth quarter of 2020.

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Mortgage Prepayments Climb to 6-Year High

Mortgage Prepayments Climb to 6-Year High

Question about mortgage rate and refinancing? Contact our San Ramon mortgage broker Mortgage Prepayments Climb to 6-Year HighMortgage prepayments, a common gauge for housing and refinancing demand, jumped to its highest level since May 2013—a good sign for...

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For the Fourth Straight Week, Mortgage Rates Rise

For the Fourth Straight Week, Mortgage Rates Rise

Question about what mortgage lenders can approve? Contact our loan agent in San Ramon. For the Fourth Straight Week, Mortgage Rates Rise Mortgage rates have slowly been inching up over the past month, but they remain below their levels a year ago. “Despite the recent...

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MORE HOME LOAN BLOG ARTICLES

Mortgage Prepayments Climb to 6-Year High

Mortgage Prepayments Climb to 6-Year High

Question about mortgage rate and refinancing? Contact our San Ramon mortgage broker Mortgage Prepayments Climb to 6-Year HighMortgage prepayments, a common gauge for housing and refinancing demand, jumped to its highest level since May 2013—a good sign for...

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For the Fourth Straight Week, Mortgage Rates Rise

For the Fourth Straight Week, Mortgage Rates Rise

Question about what mortgage lenders can approve? Contact our loan agent in San Ramon. For the Fourth Straight Week, Mortgage Rates Rise Mortgage rates have slowly been inching up over the past month, but they remain below their levels a year ago. “Despite the recent...

read more
Mortgage Rates Post Biggest Drop in a Decade

Mortgage Rates Post Biggest Drop in a Decade

Learn more about the latest mortgage rates. Contact our mortgage broker in San Ramon. Mortgage Rates Post Biggest Drop in a Decade The 30-year fixed-rate mortgage plunged 22 basis points this week, the largest one-week drop in 10 years, Freddie Mac reports in its...

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Mortgage Rates Dropped ‘Dramatically’

Mortgage Rates Dropped ‘Dramatically’

15 Year Fixed or 30 Year Fixed mortgage loan? Contact our mortgage broker in San Ramon. Mortgage Rates Have Dropped ‘Dramatically’ Since Start of the YearMortgage rates edged lower to kick off the start of the spring homebuying season this week. Borrowing costs are...

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Mortgage Rates Mostly Holding Steady

Mortgage Rates Mostly Holding Steady

The 30-year fixed-rate mortgage barely inched up this week Mortgage Rates Mostly Holding Steady Mortgage rates haven’t been this stable since the fall of 2016. Rates did inch up this week, but only slightly and are still offering prospective buyers a window of...

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Mortgage Rates Mostly Holding Steady

Mortgage Rates Mostly Holding Steady

Mortgage rates haven’t been this stable since the fall of 2016. Contact San Ramon Mortgage Broker for refinancing or new home loans. Mortgage Rates Mostly Holding Steady Mortgage rates haven’t been this stable since the fall of 2016. Rates did inch up this week, but...

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Benchmark Interest Rates Unchanged

Benchmark Interest Rates Unchanged

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. Benchmark Interest Unchanged, But Hikes Coming The Federal Reserve voted on Wednesday January 31 to leave its benchmark interest rate unchanged, but it continues to...

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Loan Demand Stalls in Volatile Week

Loan Demand Stalls in Volatile Week

The highest mortgage rates in four years caused a pause in mortgage applications from home buyers and refinancers during a time when the market generally starts picking up in preparation for the spring season.

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Mortgage Rate Projections: 4.5%

Mortgage Rate Projections: 4.5%

The recent tax bill could cause the Federal Reserve’s rate increases to come faster—mortgage rate projections display an increase of three or four times in 2018. This could push 30-year mortgage rates up past 4 percent in the new year.

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Higher Loan Limits: January 1

Higher Loan Limits: January 1

Real estate professionals have some good news to share with their clients. On Jan. 1, buyers will be able to get much larger mortgages, whether they’re applying for conventional or FHA-backed loans due to higher loan limits.

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Prevent Costly Wear and Tear With 3 Tips

Prevent Costly Wear and Tear With 3 Tips

The winter season brings more foot traffic, which can be risky on a home—holiday parties, family gatherings and even open houses in the winter can bring tears and marks on the floors. How do you prevent costly wear of scratches and stains that result in costly floor repairs?

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Fixer-Upper: A Money Pit?

Fixer-Upper: A Money Pit?

With inventories so tight, some home buyers may be giving a fixer-upper home a second thought. The price point and location may attract more buyers to bite, even though the home itself may need some TLC.

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Deeper Debt for Millennial Buyers

Deeper Debt for Millennial Buyers

Millennials are taking out the greatest share of all new mortgages and buying homes across price ranges. But a new study also shows they’re going more into deeper debt at an alarming rate.

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Top Three Holiday Hazards

Top Three Holiday Hazards

A new study from insuranceQuotes has identified the top three holiday hazards to homes this holiday season: porch pirates, decoration vandals, and house fires. The survey was based on responses of more than 1,000 consumers.

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Autonomous Cars Change Housing

Autonomous Cars Change Housing

New home sales are up. Are you ready for new home purchase? Contact our mortgage broker in San Ramon. Autonomous Cars Change Housing Experts predict the advent of autonomous cars will radically change homes and towns alike. By 2021, major automakers, like Ford, Volvo,...

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Density: An Issue with Inventory

Density: An Issue with Inventory

Total mortgage application volume for refinancings and home purchases tumbled last week, plunging 7.4 percent from the previous week, the Mortgage Bankers Association reported Wednesday.

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Mortgage Rates Got Cheaper This Week

Mortgage Rates Got Cheaper This Week

30-year fixed-rate mortgages averaged 4.14 percent, with an average 0.5 point, falling from last week’s 4.23 percent average. Last year at this time, 30-year rates averaged 3.71 percent.

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Closing Times Are Speeding Up

Closing Times Are Speeding Up

Home purchase loans took an average of 45 days to close in February, down from 48 days in January. Refinanced loans took an average of 47 days to close in February, down from 53 days

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FHA Strong Enough for MIP Cut?

FHA Strong Enough for MIP Cut?

Is now a good time for FHA to reduce hurdles to homeownership with a lower mortgage insurance premium? NAR says yes, but the Trump administration and some members of Congress aren’t so sure.

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Big Down Payment Myth

Big Down Payment Myth

Having the spare capital to put 20 percent down on a home purchase is great, but it’s certainly not the norm. Still, many people think it is and that belief may be holding some would-be home buyers back, particularly young adults.

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