Looking for a seamless mortgage experience? At Locke Your Loan, we specialize in personalized mortgage solutions that put the client first. With expert guidance, competitive rates, and a streamlined process, we make home financing easy and stress-free. Whether you're a first-time homebuyer or refinancing, trust us to lock in the best loan for your needs. Contact us today to get started!

The market is looking fantastic this weekend, with rates holding steady and offering great opportunities for homeowners and buyers alike. Whether you're considering refinancing or stepping into the housing market, now is a great time to explore your options!

Got questions? Don’t hesitate to reach out and give me a call—I’m here to help you navigate the best path for your mortgage needs.

If you're house-hunting, chances are you've come across one of those handy online mortgage calculators. They promise to give you a clear idea of your future mortgage payment with just a few clicks. But here's the thing—most of them aren't giving you the full picture. And that can lead to some serious sticker shock when it comes time to sign the papers. While mortgage calculators are great for giving you a general sense of what your payment might look like, they’re not designed to dig into the details. That’s where we come in. My team and I spend up to 20 minutes for each estimate, making sure we’re pulling accurate property tax rates, looking at insurance costs (especially if you’re near a fire zone or a higher-risk area), and accounting for things like solar and HOA fees. If you want a clear and accurate picture of what your monthly mortgage payment will actually look like, don’t hesitate to reach out. My team and I are here to do the heavy lifting, so you don’t have to rely on incomplete online tools. Get in touch with us today, and let’s make sure you’re fully prepared for your next home purchase!

If you're feeling overwhelmed by debt, you're not alone. It can feel like you're drowning in payments, interest rates, and accounts to keep track of. The key to getting back on track is to face your finances head-on—not hide from them. Let’s break down three strategies to get your debt under control, whether you're just starting or already deep in.

The most important step? Don’t bury your head in the sand. Write down every single account, balance, and interest rate, and then create a plan. Whether it's the Snowball, Waterfall, or HELOC method, there's a solution for you. The goal is to get you back on solid financial ground—step by step.

Navigating the New Real Estate Landscape

The NAR settlement brings both clarity and complexity to the real estate process. On the one hand, having clear contracts between buyers and agents helps professionalize the industry and provides a better experience for everyone. On the other hand, new challenges, particularly for first-time homebuyers and appraisers, need to be navigated carefully.

As always, if you’re feeling uncertain or have questions about how these changes might affect your home buying or selling process, don’t hesitate to reach out. I'm here to help guide you through this ever-evolving real estate landscape. Let’s make sure you’re fully informed and prepared for what’s ahead!

New FAST and EASY Home Equity Line of Credit.

The slowdown shown in last week’s job market is exactly what mortgage rates needed to continue to travel lower

The last month has shown inflation is going down, which is starting to reflect in mortgage rates!

Learning about the ADU mastermind coming up in roughly 10 days and why mortgage rates ticked up this wee.

Lot’s of movement in the Mortgage Back Security market over the recent Consumer Price Index (CPI) and Producer Price Index (PPI) reports and how they've influenced mortgage rates. I'll explain why mortgage rates dropped despite unexpected PPI figures and what this means for future rate trends.

t’s a number that’s been creeping upward since the early ‘70s but has swung up precipitously in the last 15 years. The decennial US Census measures multigenerational living slightly differently (three or more generations living together), but the trend still checks out. From 2010 to 2020, there was a nearly 18 percent increase in the number of multigenerational households.

The research arm of the apartment listing and resident services company RentCafe went granular on Gen Z and found that 68 percent over the age of 18 still live with a parent or parents. As for millennials, 20 percent are back with mom and/or dad (or just never left).

Given the bum stigma (to paraphrase Layla Ahmed), what’s going on here?

Last week was a rollercoaster for mortgage rates, peaking on Wednesday. Thankfully, Friday saw some improvement, though we hoped for more