top of page
Search

Thinking About Buying a Home in Chico, CA? Here’s What You Need to Know Right Now

  • jcobian91
  • Apr 30, 2025
  • 1 min read

If you’ve been sitting on the fence about buying a home in Chico, CA, now might be the perfect time to take the next step. As we move deeper into spring, we’re seeing more homes hitting the market, and serious buyers are starting to gain an edge—with the right strategy in place.

 

Here’s what’s happening locally:

Inventory in Chico has seen a slight uptick compared to earlier in the year, which means more options and potentially more negotiating power for buyers. While mortgage rates continue to fluctuate, working with a local loan advisor (like me!) can help you find the best possible terms for your unique situation.

 

Why Chico?

From Bidwell Park to the vibrant downtown scene, Chico continues to attract buyers looking for that balance of community, nature, and affordability. Whether you’re a first-time homebuyer or looking to move up, Chico offers a lifestyle that’s hard to beat in Northern California.

 

Tip of the week:

Get pre-approved before you start shopping. In a competitive market, being prepared makes all the difference—and I’m here to help you do just that.

 

Thinking of planting your roots in Chico? Let’s connect and create a plan that fits your goals. Homeownership isn’t just a dream—it’s something you can grow into with the right guidance.

 
 
 

Recent Posts

See All
Jobs Report & Mortgage Strategy in California

Today’s BLS Jobs Report is one of the most important economic updates for mortgage rates in California. If job growth exceeds expectations, home loans in California could see continued pressure. If we

 
 
 
Jobs Data & What It Means for Mortgage Rates

Today’s ADP employment report gives insight into where mortgage rates in California may head next. Strong job data can push intereses hipotecarios higher, while softer numbers may help improve pricing

 
 
 
Why Mortgage Rates Moved in California

Mortgage rates in California moved higher today as global tensions pushed bond yields up, putting pressure on home loans in California. When the 10-year Treasury rises, mortgage rates typically follow

 
 
 

Comments


Julio Cobian 
NMLS #691954
icon 2
11122 Mangrove, Chico CA 95926
1933 Bird St, Oroville CA 95965
icon 3
Office : 530-341-8376
icon 4
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.

icon 1

© 2025 by Julio Cobian.

bottom of page