Shelliegalindonmls#805986

11/11/2025

🇺🇸 Honoring Our Veterans Today and Every Day 🇺🇸

Today we pause to honor the brave men and women who have served our country with courage, sacrifice, and unwavering dedication. Here in Bakersfield, we are surrounded by heroes — fathers, mothers, sons, daughters, neighbors, and friends — who have worn the uniform and protected our freedoms.

From the bottom of our hearts, thank you for your service, your strength, and your selflessness. May we never take for granted the peace and opportunity your sacrifices have made possible.

❤️🤍💙
Happy Veterans Day.

10/15/2025

"Mortgage Rates" are shifting for the better — and some “California Homeowners” are using it to “clean up debt” without blowing up their payment…

The challenge? Most don’t realize this move exists until the window’s already closed.

This short video explains how flexible loan options — like W-2, self-employed, or even ITIN — are making cash-out refis possible in 2025.

🎥 Watch now then book a call to see if the numbers make sense for you:
👇
https://mortgageswithshellie.com/meta-cash-out-consult

09/18/2025

How homeowners are locking in cash-out savings without waiting on the Fed — using a shift Wall Street saw before the headlines hit.

The Fed finally cut rates. But the real drop?

That already happened.

Mortgage rates fell fast — days ago — because of a bond market shift most people didn’t see coming.

If this feels like déjà vu…

It is.

We saw the same setup last year. And rates bounced back just as quick.

🎥 Watch the video to understand what’s really behind this rate drop —
then click the link to book a quick call and get a custom refi estimate
with cash-out options available.

https://www.mortgageswithshellie.com/meta-cash-out-consult

09/12/2025

Curious about what’s really happening in today’s housing market? 🏡 Diana Olick from CNBC breaks down the latest trends you need to know. Worth the watch if you’re thinking of buying, selling, or just staying informed!

CNBC’s Diana Olick joins 'The Exchange' to discuss the latest housing data.

05/02/2025

Your monthly reminder:

Builders DON’T always have your back.
Their flashy incentives? Usually come with a catch.

3 things I’ve learned while working at a new construction tract:
1. Their lenders aren’t always your best bet.
2. “Special deals” often cost you extra.
3. You have more buying power than you realize.

Watch the video—I break it all down

04/23/2025

If you’re self-employed, getting a home loan can feel impossible.

But the truth is, most people don’t know there’s a smarter way to qualify.

Here are 4 things about this self-employed mortgage you probably didn’t know — watch the video before you start applying the hard way.

03/13/2025

Fascinating 2025 Data on Credit Card Debt in the U.S. (Federal Reserve Report)

🙃😲 Total credit card debt reached a staggering $18.04 trillion in Q4 2024
📊 Gen X carries the highest average balance at $9,557 per person
💳 Credit card transactions increased by 7.4 billion
⚠️ Average credit card interest rates hit 28.71%—the highest in decades

Signals of where Americans’ financial mindset is headed.

10/15/2024

Good morning! A quick update:
The bond market improved over the weekend, mainly because of easing tensions in the Middle East and falling oil prices. While oil and bonds don’t always move together, big changes in oil prices can influence bonds. Trading gains were small at first, but weaker manufacturing data from the NY Fed boosted further bond buying...

- Bond market strengthened due to less conflict in the Middle East and lower oil prices.
- Oil and bonds aren’t always linked, but oil price drops got some attention.
- Initial gains were modest until weak NY Fed Manufacturing data pushed more bond buying.

10/15/2024

Down Payment Assistance (DPA): What’s the Catch? Is it really free money for a down payment?

- Lenders often adjust loan terms, sometimes lowering rates, to help.
- DPA programs come with eligibility requirements.
- The key is finding one that fits your needs.

10/11/2024

Two key reports were published today: the Producer Price Index (PPI) and Consumer Sentiment (consumers' confidence in the economy). But almost zero response from the markets.

These two reports potentially can cause a stir in the market, but bonds remained stable, leaving the national 30-yr fixed rate hovering around 6.62%

Currently, the market is waiting on more data to make a move.

The good news is that our wholesale lenders offer rates lower than the national average, depending on the borrower's profile.

Feel free to call/text me with questions at (661) 703-3702.

Thanks,
Shellie

10/10/2024

💡 New DPA Grant Opportunity!
Take advantage of the Elevate FHA & Conventional DPA Grant, offering up to 3% down payment assistance with no 2nd lien or repayment required! Available for primary residences (1-4 units), with credit scores as low as 620 for FHA and 620 for FNMA/FHLMC.

- No First-Time Homebuyer requirement
- Fixed 30-year term
- Conforming loan balances only

Reach out for more details and see how you can qualify! 🏡✨

10/10/2024

Confused about mortgage rates? You’re not alone:

- Even after the Fed rate cut, rates have been rising.
- Largely due to stronger-than-expected economic data.
- This week’s bond market showed signs of stabilizing