Refinancing

June 25, 2026

If Mortgage Rates Drop in the Future, Can I Refinance and Lower My Payment Later?

If Mortgage Rates Drop in the Future, Can I Refinance and Lower My Payment Later?

The phrase I use with buyers who are nervous about today's rates is this: "Marry the house, date the rate." It's a real estate saying that's stood the test of time for …

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June 25, 2026

Is Now a Good Time to Buy a Home in Sacramento, or Should I Wait for Rates to Come Down?

Is Now a Good Time to Buy a Home in Sacramento, or Should I Wait for Rates to Come Down?

Let me be straight with you — this is the number one question I get from buyers right now. Every week somebody calls me asking some version of: "Patrick …

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