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 to Use Your 401k to Help with a Home Down Payment
Buying a home is a major milestone—and one of the biggest hurdles for many first-time buyers is saving for the down payment. If you're exploring all your options, you might be wondering: Can I use my 401k for a home down payment? The answer is yes, but with a few...
Roseville CA Mortgage Guide: Everything You Need to Know Before Buying a Home
Buying a home is one of the biggest financial decisions you'll ever make—and understanding how the mortgage process works can make the difference between a smooth journey and a stressful one. Whether you're a first-time homebuyer or considering refinancing, this...
How to Recover From a Major Credit Issue Before Applying for a Mortgage
A major credit issue doesn’t mean your dream of homeownership is over. Whether you've experienced a job loss, medical emergency, bankruptcy, or unexpected debt, there are proactive steps you can take to rebuild your financial foundation. With the right strategy and a...
Understanding Property Taxes in Roseville and How They Affect Your Mortgage
When buying a home in Roseville, California, it's easy to focus on your interest rate, loan term, and monthly payment—but don't forget about property taxes. These local taxes play a significant role in your total housing costs and can directly impact your mortgage....
How to Shop for the Best Mortgage Rates in Roseville
Finding the best mortgage rates in Roseville can make a significant difference in your monthly payments and the total cost of your home over time. Whether you're a first-time buyer or refinancing your current mortgage, understanding how to shop for the best mortgage...
What to Expect During a Home Appraisal in Roseville, CA
When you're buying or refinancing a home in Roseville, CA, one critical step in the mortgage process is the home appraisal. A professional appraisal helps determine the fair market value of the property and ensures that lenders are not lending more than the home is...
How Credit Score Affects Your Mortgage Approval
Your credit score is one of the most important factors lenders consider when deciding whether to approve your mortgage application. It serves as a snapshot of your financial responsibility and history of debt repayment, giving lenders an idea of how likely you are to...
Is Now a Good Time to Refinance in Roseville, CA?
If you're a homeowner in Roseville, CA, you may be wondering: Is now a good time to refinance my mortgage? With shifting interest rates, rising property values, and inflation pressures, it’s a question worth asking—especially if you’re looking to save money or adjust...
Your Guide to Down Payment Assistance Programs in Roseville
Buying a home in Roseville, CA, can feel like a big financial step—especially when it comes to the down payment. Fortunately, there are several down payment assistance programs in Roseville that can help make homeownership more affordable and accessible for first-time...