Jeff Buffington Patriot Pacific Financial

10/02/2026

Obviously everyone likes new things, however, homes in mint condition often have significant upgrades included in the price, like hardscape, landscape, window treatments, etc. If you buy new, plan on spending more money once you move in.

A surge in homebuilding and builder incentives has made newly built homes more affordable than existing homes in many markets, according to a new Zillow analysis.

09/21/2026

We are currently closing loans with higher loan limits. Most Lenders will wait until they go in effect. Each county within a state can vary and will determine the conforming loan limit for that area.

07/31/2026

This is temporary. We closed loans in the 5’s prior to the Iran conflict.

As a reminder .50% on a 100k loan is $33

The Freddie Mac 30-year fixed mortgage rate rose 6 basis points this week to 6.49% as the yield on the 10-year Treasury rose as well. Interest rates picked up this week as the gradual breakdown of the ceasefire with Iran has stoked fears of further inflation and geopolitical instability.

03/16/2026

Love this idea. No more property taxes for 65 and older.

President Trump has announced a proposal aimed at providing financial relief to older Americans by exempting homeowners aged 65 and above from paying property taxes if their homes are fully paid off. He stated that housing in retirement should not become a financial strain for seniors living on fixed incomes.

Supporters say the policy would help many older homeowners who struggle with rising property tax bills despite owning their homes outright. The proposal is framed as a way to ease financial pressure and allow seniors to remain in their homes without facing increasing tax burdens.

Advocates argue that the idea challenges long-standing tax systems that may not fully account for the realities faced by an aging population, while positioning the policy as part of a broader effort to prioritize the needs of senior citizens.

02/24/2026

Typical mortgage payments now 8.4% lower than year ago

Homebuyers' purchasing power rose over $30,300 in past year as median-income households can now afford $331,483 homes with mortgage payments 8.4% lower than last year, Zillow found.

02/18/2026

⚕️ Attention Medical Professionals. Finally a loan program for those who take care of us. Multiple loan options to choose from.

For more details you can Message Me
Call me @ 951-743-1040
Email me @ [email protected]

NMLS # 322412
NMLS # 289913

01/05/2026

Most Buyers don't realize this.. STOP PAYING MORE

A new report by Georgetown University Professor Steven C. Salop adds fuel to two lawsuits charging Zillow with deceptive practices by requiring or incentivizing “affiliated” real estate agents to steer their clients to the popular listing site’s mortgage lending affiliate, Zillow Home Loans.

12/01/2025

YAY, Higher Loan Limits

FHFA raises 2026 conforming loan limit to $832,750
The Federal Housing Finance Agency (FHFA) today announced that the baseline conforming loan limit for mortgages acquired by Fannie Mae and Freddie Mac in 2026 will rise to $832,750, an increase of $26,250 from 2025.

The conforming loan limits are required by law to reflect the percentage change in the average U.S. home price during the most recent 12-month or four-quarter period ending before the time of determining the annual adjustment.

In 2026, the conforming loan limit will rise 3.26% because FHFA has determined that the average U.S. home value increased by that amount between the third quarters of 2024 and 2025.

Higher loan limits will be in effect in higher-cost areas as well. The new ceiling loan limit in high-cost markets will be $1,249,125, which is 150% of $832,750. The previous ceiling was $1,209,750.

11/28/2025

Credit is key when obtaining a loan, the higher the score the better the interest rate and the lower the PMI (Private Mortgage Insurance) premium you will pay for loan with less than 20% down. Often clients will tell me their score based on, lets say Credit Karma, which is a more Consumer friendly tool. When applying for a home loan, different scoring modules are factored into your score and typically contradit the Credit Karma score, meaning its lower.

A credit solutions expert shares the top three "timeless habits," tips and advice as America's mortgage market adjusts to new credit scoring models that widen the door to homeownership.

11/24/2025

NAR predicts housing market bounceback in 2026
Existing-home sales are expected to post a solid rebound in 2026, rising roughly 14% from this year’s levels, according to NAR’s Chief Economist Lawrence Yun.

The projected pickup follows a prolonged stretch of market whiplash. Yun says a confluence of easing mortgage costs, resilient hiring and steadier underlying demand is setting the stage for a firmer housing backdrop.

Prices are projected to climb about 4% next year, a reflection of buyers returning to a market still constrained by lean inventories. Borrowing costs, while elevated by historical standards, are forecast to drift lower, with the average 30-year rate hovering near 6% in 2026.