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Spring Into Homeownership: Why Now Is the Time to Plant Your Financial Roots

  • jcobian91
  • May 12
  • 1 min read

Spring in California is all about growth—plants bloom, days get longer, and it’s the perfect season for fresh starts. For many people in Chico and surrounding areas, that fresh start could be buying a home.


If you’ve been thinking about owning a home but aren’t sure where to begin, you’re not alone. A lot of future homeowners I talk to feel overwhelmed at first—but the key is to just start planting small seeds. Whether it’s checking your credit, getting pre-approved, or learning about down payment options, each step brings you closer to your dream.


In today’s market, preparation is everything. Interest rates change, home prices fluctuate, but the opportunity to build long-term stability stays consistent when you have the right strategy. I help people from all backgrounds create customized plans to become homeowner-ready—no pressure, just guidance.


Let’s turn this season of growth into real progress for your future. Whether you’re buying your first home, moving up, or just exploring your options, I’m here to help you every step of the way.

 
 
 

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Julio Cobian 
NMLS #691954
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11122 Mangrove, Chico CA 95926
1933 Bird St, Oroville CA 95965
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Office : 530-341-8376
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Cell : 619-793-6994

Not a commitment to lend. Rates and terms subject to change without notice. Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759, WY: #3964. NMLS #1141. www.nmlsconsumeraccess.org

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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