As we head into the holiday week, many buyers assume this is a slow season for real estate—but the truth is, this is one of the best times to get your homeownership journey started. With less competition, motivated sellers, and lenders ready to help, November can be a powerful month to take the next step.   Right now, mortgage rates continue to show gradual improvement compared to the highs we saw earlier in the year. Buyers who were on the sidelines are slowly returning, and

Buying a home is like planting a seed — it starts with preparation, care, and the right support. As your bilingual mortgage lender in Chico, I help you nurture your credit, income, and savings so that when the time comes, your préstamo de casa blooms into homeownership. Whether it’s your first home or your forever home, my goal is to guide you through the process with transparency, education, and compassion. Because just like in gardening, small steps today lead to growth tom

Every buyer’s journey is unique — and your loan should be too. Whether you’re looking for low monthly payments, a shorter loan term, or first-time buyer programs, choosing the right mortgage lender makes a big difference. As a Chico mortgage lender, I take time to review your full financial picture and find a program that matches your long-term goals. FHA, Conventional, USDA, VA — each has its benefits. And if you’re not ready today, that’s okay — I’ll help you build a person

Language shouldn’t be a barrier to homeownership. As a bilingual mortgage lender and prestamista de casas en español, I’m proud to help the Hispanic community understand their loan options clearly — without confusion or miscommunication. From préstamos de casa con asistencia para el pago inicial to credit-building advice, my goal is to make every client feel seen, heard, and empowered. Whether you prefer to speak English or Spanish, I’ll guide you through each document, expla

Before you fall in love with a home, make sure you’re pre-approved. As a bilingual mortgage lender in Chico, I often see buyers skip this step — only to face delays or disappointment later. A true pre-approval verifies income, assets, and credit upfront, giving you a strong advantage when making an offer. Sellers take you seriously, and your realtor can negotiate with confidence knowing your financing is solid. Best of all, I offer free pre-approvals with a soft credit pull,

When it comes to buying a home, having a local mortgage lender in Chico on your side can make the process smoother and more personal. A local lender understands the Chico real estate market, neighborhood values, and the unique financial needs of local buyers. Unlike big banks, I provide one-on-one guidance from pre-approval to closing, making sure your loan fits your goals — whether that’s low monthly payments, a shorter term, or down payment assistance. As a bilingual mortga

Happy Friday! As a local mortgage lender in Chico, one of my favorite things about this job is seeing how homeownership strengthens our...

If you’ve been keeping an eye on the housing market, you’ve probably noticed how much people talk about interest rates. But what do they...

If you’ve been browsing homes online and daydreaming about backyard barbecues or cozy living rooms, that’s the fun part — but the real...

Buying a home starts long before you fall in love with the perfect house. The real foundation begins with your finances — and as a local...

Buying a home is one of the biggest decisions of your life — and the right mortgage lender can make all the difference. Whether you’re a...

As a mortgage loan officer in Chico, I keep a close eye on our local housing market—and what I’m seeing is both exciting and encouraging....

Imagine walking into a store and not knowing how much money you can spend. That’s what buying a house without pre-approval feels like....

One of the most common questions I get as a mortgage advisor in Chico is: “Do I really need 20% down to buy a home?” The answer is no! In...

Buying your first home is exciting—but it can also feel overwhelming if you don’t have the right guidance. As a mortgage loan officer...

The mortgage market continues to be a hot topic for both homebuyers and real estate professionals. Every week, economic shifts, inflation...

By Julio Cobian, Mortgage Advisor in Chico, CA Buying a home is one of the biggest financial decisions you’ll ever make. While the...

By Julio Cobian, Mortgage Advisor in Chico, CA One of the biggest decisions you’ll make when choosing a home loan is whether to go with a...

By Julio Cobian, Mortgage Advisor in Butte County, CA Buying your first home is a huge milestone—but saving for the down payment can feel...

By Julio Cobian, Mortgage Advisor in Chico, CA When it comes to buying a home, your credit score can make a big difference. Many buyers...