by JJ Mack | Jul 24, 2026 | Financing Strategies, Homebuyer Tips, Local Market Insights, Mortgage Programs & Loan Types
Loomis has a character all its own. Tucked between Rocklin and the Sierra foothills, the Town of Loomis offers larger lots, a more rural feel, and a strong sense of community that draws buyers looking for space and quiet without giving up access to everything Placer...
by JJ Mack | Jul 24, 2026 | Financing Strategies, Homebuyer Tips, Local Market Insights, Mortgage Programs & Loan Types
Somewhere between getting pre-approved and closing on your Roseville home, your lender will ask a question that catches a lot of buyers off guard: do you want to lock your rate? It sounds simple, but the decision has real financial consequences. Lock too early and you...
by JJ Mack | Jul 24, 2026 | Financing Strategies, Homebuyer Tips, Local Market Insights, Mortgage Programs & Loan Types
Short answer: yes, you can use a co-borrower on a CalHFA loan — but only if that person will actually live in the home with you. CalHFA does not permit non-occupant co-borrowers or co-signers on any of its programs. This is one of the most common points of confusion...
by JJ Mack | Jul 17, 2026 | Financing Strategies, Homebuyer Tips, Local Market Insights, Mortgage Programs & Loan Types
If you bought your Roseville home using a CalHFA loan, you may be wondering whether refinancing is an option — to lower your rate, reduce your monthly payment, or access equity. The short answer is yes, CalHFA borrowers can refinance. But how it works, and what it...
by JJ Mack | Jul 17, 2026 | Financing Strategies, Homebuyer Tips, Local Market Insights, Mortgage Programs & Loan Types
If you’re an eligible veteran or active-duty service member looking to buy a home in Roseville, there’s a strong chance you have access to one of the best mortgage programs available — and a strong chance nobody has explained it to you fully. The VA loan...
