“Why Black Friday Is One of the Best Times to Start Your Homebuying Journey”

Here’s why:

⭐️ 1. 

Less Competition = More Buying Power

Most buyers take a break during the holidays. That means if you’re preparing now, you’re ahead of the 2026 rush. When fewer buyers are active, you get more negotiating room and stronger pricing power.

⭐️ 2. 

Motivated Sellers & More Incentives

In many California markets — including Chico, San Diego, Sacramento and the Bay Area — sellers are offering credits toward closing costs, repairs, and even rate buydowns.

These are real savings that make your monthly payment lower.

⭐️ 3. 

Rates Are Showing Improvement

While rates continue to move week-by-week, we’ve seen gradual softening compared to earlier in 2024. Even a small drop can increase your purchasing power by thousands.

⭐️ 4. 

Pre-Approval Today = A Strong Start to 2026

One of the top SEO-searched questions right now is: “When is the best time to get pre-approved?”

The answer is simple: before the new year begins.

By getting pre-approved now, you:

• Understand your exact price range

• Can fix anything on credit without pressure

• Get a customized plan based on your goals

• Stay ready for opportunities as soon as January–March

⭐️ 5. 

I Offer Bilingual, Personalized Guidance

As a mortgage advisor based in Chico and serving all of California, I create loan plans that match your needs — low monthly payments, first-time buyer options, down-payment assistance, or ITIN programs.

My goal is to make the process simple, stress-free, and strategic.

🏡 

Ready to Start? Let’s Make a Plan.