By Julio Cobian, Mortgage Advisor in Chico, CA One of the top questions I hear from homebuyers is: “Should I buy a home now, or wait...

By Julio Cobian, Mortgage Advisor in Chico, CA Buying a home is exciting, but it can also feel overwhelming if you don’t have the right...

🌟 Sunday Spotlight: How to Get Pre-Approved for a Home Loan in Chico, CA     If you’ve been considering homeownership, pre-approval is...

Homeowners in Chico are asking: “Should I refinance my mortgage this fall?” Let’s break it down.     🔑 Reasons to Refinance     Lower...

Fall isn’t just pumpkin spice and cooler weather—it’s also one of the best times to buy a home. Here’s why:     🍁 Motivated Sellers    ...

Buying your first home is exciting—but saving for a down payment can feel overwhelming. That’s where first-time homebuyer programs in...

Chico is full of vibrant communities, but which neighborhoods are best for buying a home this fall? As a local mortgage advisor, I see...

One of the most important questions I get as a mortgage loan officer in Chico is: “Where are mortgage rates heading this month?”    ...

If you’ve been wondering whether September 2025 is the right time to buy a home in Chico, CA, the answer might surprise you. With the...

Sundays are for resetting and planning ahead. As we close the chapter on summer, take a moment to review your finances. Budgeting,...

Weekends in September are perfect for both relaxing and planting. As the weather cools in Chico, it’s an ideal time to refresh your...

With cooler weather on the way, now is the perfect time to warm up your finances by exploring a refinance. If you’ve been paying a higher...

September is more than the end of summer—it’s back-to-school season. For families, this time of year is about structure, routines, and...

As the summer winds down and we step into September, the housing market begins to shift. While spring and summer are often considered...

Weekends are a time to recharge, reset, and focus on what matters most. For me, that often means spending time in my home gym, going for...

When buying a home, most buyers focus on the down payment—but there’s another important part of the process: closing costs.   If you’re...

One of the biggest questions I hear from homebuyers is: “Do I need 20% down to buy a home?” The truth is, that’s a myth.   Here in Chico,...

If you’re thinking about buying a home, the first step isn’t house hunting—it’s getting pre-approved.   Pre-approval gives you a clear...

If you’ve been waiting for the perfect moment to buy a home, you’re not alone. Many buyers across California are asking themselves the...

If you’ve been waiting for the perfect moment to buy a home, you’re not alone. Many buyers across California are asking themselves the...