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Category: Market Update
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Should You Buy Now or Wait for Rates to Drop?
Categories: Market Update
By David Delgado | Freedom Choice Lending 🤔 The Big Question Every Buyer Is Asking If you’ve been watching mortgage rates lately, you’re not alone.…
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What First-Time Buyers Should Know About New Construction Homes
Categories: Market Update
By David Delgado | Freedom Choice Lending Buying your first home is exciting — and when you start exploring brand-new construction homes, the idea of…
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Down Payment Assistance Programs
Categories: Market Update
Make Homeownership Possible — Even With Little or No Money Down At Freedom Choice Lending, we believe that your financial situation shouldn’t hold you back…
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Introducing the 2026 Dream For All Shared Appreciation Grant Program
Categories: Market Update
By David Delgado, Freedom Choice Lending Homeownership is the foundation for building wealth, stability, and legacy. Yet in California, soaring home prices and steep down…
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How Local Job Growth Impacts Home Prices in California
Categories: Market Update
By David Delgado, Freedom Choice Lending When it comes to understanding California’s housing market, most buyers focus on interest rates and home inventory. But there’s…
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Mortgage Market Update – October 9, 2025
Categories: Market Update
Current Rate Environment (as of early October 2025) In short: we’re seeing modest relief from some of the pressure earlier in the year, though rates…
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Why Inventory Levels Matter to First-Time Buyers
Categories: Market Update
By David Delgado, Mortgage Professional with Freedom Choice Lending If you’re a first-time home buyer, you’ve probably heard a lot of talk about housing inventory.…
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Mortgage Market Update — October 2, 2025
Categories: Market Update
As of early October 2025, mortgage rates remain elevated compared to the lows seen in prior years, though there has been some downward movement lately.…
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Forecast for California: Is Now a Good Time to Buy?
Categories: Market Update
As a mortgage professional here in California, one of the most common questions I hear is:“Is now really a good time to buy a home?”…
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The Mortgage Market as of September 25, 2025
Categories: Market Update
Current Rates Snapshot So, rates remain elevated compared to the low-rate era of the past decade, but have softened a bit from peaks earlier in…