HMAC Team Cal Point Mortgage

Good Morning to all my fellow mortgage & real estate Colleagues! its about to get interesting again this year!!

Fed Officials Still See Three Interest-Rate Cuts This Year, Buoying Stocks Central bankers expect inflation slowdown to resume and maintain their lower-rate outlook.

As Black History Month 2023 draws to a close, we at Team Cal Point once again note the importance of Black History to the future of the Black Community. We honor all who have given so much.

HMAC Team Cal Point Mortgage will be closed Monday, February 20th, in observance of the Presidents' Day holiday.
We will resume regular business hours on Tuesday, February 21st.

“You can get excited about the future. The past won’t mind.” - Hillary DePiano, playwright and author

Happy New Year from all of us at HMAC Team Cal Point Mortgage.

Please note that we will be closed on Monday, January 2, 2023, and will resume regular business hours on Wednesday, January 3.

𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐚𝐭𝐞𝐬 𝐂𝐨𝐧𝐭𝐢𝐧𝐮𝐞 𝐃𝐨𝐰𝐧𝐰𝐚𝐫𝐝 𝐓𝐫𝐞𝐧𝐝

Mortgage rates continued to pull back from their early November peak, falling for the fifth consecutive week, according to the latest report from Freddie Mac.

Find out more at https://snip.ly/lbuy63.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Happy Holidays!

In observance of the Christmas Holiday, Cal Point Mortgage will be closed Dec. 26th and Jan. 2nd for the New Year Holiday.

𝗜𝘀 𝗮 𝗥𝗲𝘃𝗲𝗿𝘀𝗲 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗵𝗲 𝗥𝗶𝗴𝗵𝘁 𝗧𝗼𝗼𝗹 𝗳𝗼𝗿 𝗬𝗼𝘂?

A reverse mortgage is one option worth considering for seniors who have significant equity in their home. When this is the case, their property can act as an immediate source of funds. This provides seniors with a much-needed cash infusion. Additional funds are often used to cover the costs associated with long-term care at home. Some seniors also use this cash for home modifications or other costs associated with safely and comfortably aging in place.

Find out more at https://snip.ly/bq1wje.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗴𝗶𝗮𝗻𝘁𝘀 𝗿𝗮𝗶𝘀𝗲 𝗹𝗼𝗮𝗻 𝗹𝗶𝗺𝗶𝘁𝘀 𝘁𝗼 𝗮 𝗿𝗲𝗰𝗼𝗿𝗱 𝗹𝗲𝘃𝗲𝗹 𝗳𝗼𝗿 𝟮𝟬𝟮𝟯

The baseline conforming loan limit for 2023 will be $726,200, up $79,000 from this year’s limit of $647,200. Higher-cost areas will have a new loan limit of $1,089,300, or up to 150% of the baseline loan limit. This year, the loan limit for high cost areas is $970,800.

Read more at https://snip.ly/2rxgwl.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

📢 HMAC Team Cal Point Mortgage will be closed this Thursday and Friday, November 24 and 25th, for the Thanksgiving holiday.

We will resume regular business hours on Monday, November 28th.

To all who served,

WE ARE THANKFUL FOR YOUR SERVICE.

Happy Veteran's Day
11/11/2022

𝗠𝗮𝗻𝘆 𝗼𝗳 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗖𝗶𝘁𝗶𝗲𝘀 𝗳𝗼𝗿 𝗥𝗮𝗶𝘀𝗶𝗻𝗴 𝗮 𝗙𝗮𝗺𝗶𝗹𝘆 𝗔𝗿𝗲 𝗦𝘂𝗿𝗽𝗿𝗶𝘀𝗶𝗻𝗴𝗹𝘆 𝗦𝘁𝗶𝗹𝗹 𝗔𝗳𝗳𝗼𝗿𝗱𝗮𝗯𝗹𝗲

Those looking for a good place to raise a family might want to head South.

The best areas for families with children tend to be midsize cities in Texas and Virginia, where homes are still at least somewhat affordable, according to a recent ranking from the Yardi Systems company StorageCafé, which used Yardi Matrix data.

Learn more at https://snip.ly/slnn0h.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗛𝗼𝘄 𝘁𝗼 𝗹𝗼𝘄𝗲𝗿 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗽𝗮𝘆𝗺𝗲𝗻𝘁

There are ways to lower your monthly mortgage payments, but they may not all be right for you. Furthermore, some require far more effort and expense than others, so it’s worth weighing the benefits and drawbacks of each option to make an informed decision.

Find out more at https://snip.ly/dcdjcx.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗕𝘂𝘆𝗲𝗿’𝘀 𝗕𝗼𝗻𝗮𝗻𝘇𝗮: 𝗧𝗵𝗲 𝟭𝟬 𝗩𝗲𝗿𝘆 𝗕𝗲𝘀𝘁 𝗖𝗶𝘁𝗶𝗲𝘀 𝗶𝗻 𝗔𝗺𝗲𝗿𝗶𝗰𝗮 𝗳𝗼𝗿 𝗛𝗼𝗺𝗲 𝗦𝗵𝗼𝗽𝗽𝗲𝗿𝘀 𝗥𝗶𝗴𝗵𝘁 𝗡𝗼𝘄

The housing market’s quick shift into a cooldown has many watching carefully to figure out what’s next. Will the latest uptick in mortgage interest rates bring home prices down? Will sellers be more open to negotiating? Will more homes finally go up for sale?

Learn more at https://snip.ly/0pfy43.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗦𝗵𝗼𝘂𝗹𝗱 𝗜 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗻𝗼𝘄, 𝗼𝗿 𝘄𝗮𝗶𝘁?

Find out, https://snip.ly/n7pe5j.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗛𝗼𝗺𝗲 𝗘𝗾𝘂𝗶𝘁𝘆 𝗧𝗵𝗿𝗶𝘃𝗲𝘀 𝗜𝗻 𝗤𝟮 𝟮𝟬𝟮𝟮

According to CoreLogic’s Home Equity Report (HER) for the second quarter of 2022, homeowners are still gaining near-record equity, despite home-price growth slowing on an annual basis in the second quarter.

Learn more at https://snip.ly/5v9z8w.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

In observance of Labor Day, our offices are closed on Monday, September 5, 2022.

We will re-open on Tuesday, September 6, 2022, with normal business hours

Have a safe and enjoyable holiday!

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For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗦𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝘂𝘆 𝗮 𝗵𝗼𝘂𝘀𝗲 𝗱𝘂𝗿𝗶𝗻𝗴 𝗮 𝗿𝗲𝗰𝗲𝘀𝘀𝗶𝗼𝗻?

Learn more at https://snip.ly/jqsbhv.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

We give a strong commitment to client satisfaction & success. All our mortgage loan programs are designed to help you get the most out of them. Together with our professional & emphatic loan officers, you are in good hands.

Buy a new home today or get a refinance!

Contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗔𝗳𝘁𝗲𝗿 𝗮 𝗿𝗲𝗰𝗼𝗿𝗱 𝗿𝘂𝗻, 𝘁𝗵𝗲 𝗵𝗼𝘂𝘀𝗶𝗻𝗴 𝗺𝗮𝗿𝗸𝗲𝘁 𝗳𝗶𝗻𝗮𝗹𝗹𝘆 𝘀𝗵𝗼𝘄𝘀 𝘀𝗶𝗴𝗻𝘀 𝗼𝗳 𝗰𝗼𝗼𝗹𝗶𝗻𝗴

The housing market is finally showing signs of slowing. Home price appreciation, while still in double digits, is cooling. And the supply of homes for sale is rising as a spike in mortgage rates creates a drag on sales activity.

Source: https://snip.ly/mj9a1v.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Whether your goal is to renovate your home this year or sell it, making home improvements can increase your home’s value.

Here are 8 ways to increase your home value, https://snip.ly/gsuaqn.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

The labor of our past leaders should not be in vain. As we rejoice today, let’s remember them and pledge to always strive to uphold the freedom and unity they fought for. Have a wonderful Independence Day!

As a reminder, we will be closed on Monday, July 4th, in observance of Independence Day. We will resume normal business hours on Tuesday, July 5th, 2022, at 9 AM.

For your mortgage needs, contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

We are proud this month to acknowledge the celebration of all the LGBTQIA+ community has achieved over the years.

May their many contributions to our community continue each and every day.

Need a mortgage? Contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Homeowners with mortgages prior to 2008 still have opportunity to refinance

Learn more at https://snip.ly/k2fing.

Want to get a mortgage? Contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Honoring This Important Day In The Growth Of Our Nation.

Want to get a mortgage? Contact us.
🌐homemac.com/teamcalpointmortgage
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

What are the best and worst places for first-time homebuyers in 2022?

Check out, https://snip.ly/33neeh to find out.

Want to get a mortgage? Contact us.
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Mortgage rates continued to decline this week, but remain much higher than last year, according to the latest weekly survey released today by Freddie Mac.

Want to get a mortgage? Contact us.

🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

Reference: https://nationalmortgageprofessional.com/news/freddie-mac-mortgage-rates-inch-downward-again

ARM loans have been rising in popularity, according to Redfin, as mortgage rates surge at their fastest pace in decades.

Learn more at https://nationalmortgageprofessional.com/news/mortgage-industry-will-soon-be-armed-teeth.

Contact us today!
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

HMAC Team Cal Point Mortgage joins the whole nation in celebrating Memorial Day this Monday - May 30, 2022.

Contact us today!
🌐https://lnkd.in/gk5zSRgE
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org

𝗕𝗶𝗱𝗲𝗻’𝘀 𝗔𝗱𝗺𝗶𝗻𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗔𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱 𝗔 𝗡𝗲𝘄 𝗣𝗹𝗮𝗻 𝘁𝗼 𝗜𝗺𝗽𝗿𝗼𝘃𝗲 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗖𝗼𝘀𝘁𝘀

With home prices still sky high and inflation hamstringing the economy, President Joe Biden’s administration has announced a new plan to gradually improve housing costs by furthering the supply of affordable housing.

Noting that home prices are a major upward pressure on inflation, a statement from the White House introduced the executive branch’s Housing Supply Action Plan, which includes legislative and administrative steps aimed at addressing the country’s inventory shortfall in five years. The first step, per the release, will be the “creation and preservation of hundreds of thousands of affordable housing in the next three years.”

Learn more at https://snip.ly/bd4mc2.

Contact us today!
🌐homemac.com/teamcalpointmortgage/
✉[email protected]
📞(714) 417-9966

NMLS # 1165808
www.nmlsconsumeraccess.org