The JJ Mack Team Blog
Your go-to source for expert insights on mortgages, refinancing, and home loans. Whether you’re a first-time buyer, seasoned investor, or looking to lower your interest rate, we share timely advice, loan program breakdowns, and updates from across the housing market.
How Mortgage Points Work (And When You Should Buy Them)
When you're buying a home in California—especially in competitive markets like Roseville, Rocklin, and Loomis—every bit of savings helps. One strategy many buyers overlook is purchasing mortgage points, a tool that can lower your interest rate and reduce your...
How to Get a Mortgage If You’re Self-Employed in California
Buying a home when you’re self-employed can feel overwhelming — especially in California, where lending rules are strict and income documentation is more complex. The good news? Thousands of self-employed buyers purchase homes across Roseville, Sacramento, and the...
Best Neighborhoods in Rocklin for Families and First-Time Homebuyers
Buying a home in Rocklin is a smart move for families and first-time buyers looking for strong schools, community amenities, and good value. Below are three of the best neighborhoods in Rocklin for families to consider — plus tips on what to look for and how to match...
How to Refinance Your Mortgage and Lower Your Monthly Payment
Refinancing your mortgage in California can be one of the most effective ways to reduce your monthly payment and save money over time. Whether you’re a homeowner in Roseville, Rocklin, Loomis, or anywhere in California, knowing the right steps can help you secure...
A Homebuyer’s Guide to Roseville School Districts
If you’re considering buying a home in Roseville, CA, you’ve probably noticed that the city offers a variety of school options — and that school ratings can have a big impact on home prices and neighborhood desirability. Whether you’re a young family or planning ahead...
How CalHFA Loans Help Roseville Buyers Achieve Homeownership
Buying a home in Roseville, CA has never been more competitive but California homebuyers have a powerful resource that many overlook: CalHFA loans. The California Housing Finance Agency (CalHFA) offers programs designed to make homeownership more attainable,...
Down Payment Assistance Programs Every California Buyer Should Know
Buying a home in California can feel out of reach for many first-time buyers, especially with rising prices and competitive markets. Fortunately, there are several down payment assistance programs in California designed to make homeownership more affordable. Whether...
Top Home Loan Options for Roseville, Rocklin, and Loomis Buyers
Finding the Right Home Loan for You Buying a home in Roseville, Rocklin, or Loomis is an exciting step but choosing the right mortgage can make all the difference. Whether you’re a first-time buyer or looking to refinance, understanding your loan options helps you...
How a Local Mortgage Broker Simplifies Home Buying
Buying a home is exciting — but it can also feel overwhelming without the right guidance. That’s where a local mortgage broker in Roseville can make a real difference. By combining expert advice, access to multiple loan options, and personal service, local brokers...