Buyers are counting on

Future Refis!

ON THE PULSE

Buyers Are Banking on Future Refis

More and more buyers are betting that rates will drop — and refinancing later will be their saving grace. A recent national survey found that today’s buyers aren’t just buying homes — they’re buying with a plan.

Here’s what stood out:

• 56% of recent buyers are counting on refinancing later to make their homes affordable.
• Gen Z & Millennials are feeling the strain — 1 in 4 already feels financially uneasy post-purchase.
• Stress levels are high: 90% of younger buyers said the process was stressful, with a third calling it major.
• Refinancing = lifeline: For 1 in 4 buyers, the ability to refinance is critical to their financial stability.
• Fear of missing out: Many are buying now because they believe prices will keep rising.

I highly recommend either of these Lenders.

Please call them if you need help.

Mike Fake​​​​

Branch Manager

NMLS #125241

O: 858.472.2053

Email: mfake@mf-financial.net

Kevin Kennedy

Loan Officer

D 925.719.1919

W ccm.com/Kevin-Kennedy

Email: kevin.kennedy@ccm.com

HOWARD SCHWARTZ

SENIOR LOAN OFFICER 

Cell: 619.992.2570 |

eFax: 866.375.4418

Email:  howard@raterepublic.net

I work solely by referral - who do you know who is thinking of selling?

FOR SALE

3112 Del Rey Ave

Carlsbad, CA 92009

A truly stunning House. So much more than you expect. The upgrades alone show how well this home has been maintained and loved.

Whole house was painted inside and out

New Roof 2023

New furnace – to be installed during escrow.

All windows have elevated craftsman

farmhouse frames.

Double Hinged Windows

9’ La Cantina Door

New Flooring upstairs

New 3,100 BTU heated gas fireplace/furnace

Tankless water heater

All new toilets

Whole house had Copper Plumbing installed.

Remodeled guest bathroom upstairs.

Ceiling Speakers downstairs

New epoxy garage flooring

Washer & Dryer - convey, 5yrs old.

Garage was painted

New deck in backyard

New equipment for Swim/Spa

Culligan Water Softener can stay or go – Monthly charge $67.11

Contact me for more information

Here’s why the right answer is so important for you to know. 

A lot people overestimate how much they really need to save for a down payment.

The most common answers? 10 or 20%. 

The truth: you may be able to put down as little as 3%. 

According to First HomeIQ, only 8 out of 100 people actually get this right.

Don’t let misinformation hold you back.

What did you guess? If you want more information, talk to a trusted lender or give me a call. 760-580-1696

RENTED

Tewa Court

Charming 1-Bedroom Cottage with Ocean Views Del Mar

This bright and sunny unfurnished 1 bed, 1 bath cottage in the heart of Del Mar offers cozy coastal living with beautiful ocean views. Featuring beamed ceilings, large windows, and an open layout, the space is filled with natural light and charm. The kitchen includes granite countertops and a full-size refrigerator, while the compact bathroom offers a stand-up shower.

So happy for the tenant - they found super cute place to call it home!

-Master Negotiator-

Here’s When Mortgage Rates Could Finally Fall Below 6%

Mortgage giant Fannie Mae has issued new projections forecasting that mortgage rates will finally fall below 6% by the end of 2026, a level that has not been reached in three years.

Fannie Mae's latest monthly economic and housing outlook for September predicts mortgage rates will average 6.4% at the end of this year, and 5.9% at the end of 2026.

Those are downward revisions from a month ago, when Fannie saw year-end mortgage rates at 6.5% in 2025 and 6% next year.

Read More