Anaheim Hills Caravan

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🇺🇸 VA TIP OF THE DAY: There Is No "VA Inspector."Veterans, let's clear this up. 🚨 The VA appraisal is NOT a home inspect...
09/02/2026

🇺🇸 VA TIP OF THE DAY: There Is No "VA Inspector."

Veterans, let's clear this up. 🚨 The VA appraisal is NOT a home inspection.

A VA appraiser is there to:
✅ Determine the property's value
✅ Observe whether it meets VA Minimum Property Requirements (MPRs)

They are NOT testing appliances or running operational checks on mechanical systems. VA Lenders Handbook 26-7, Ch. 12, Sec. 14 even says the utilities don't have to be on when the appraiser visits. 📖

Can an appraiser flag an MPR issue, like an exposed wire or safety concern? Absolutely. But that is very different from an inspection, and most MPR items get worked through with a lender who truly knows VA.

So stop believing:
❌ "The VA inspector checks everything."
❌ "The house won't pass VA inspection."

👉 Still hire your own professional home inspector. That's how you learn the true condition of the home.

🇺🇸 Who a Veteran works with matters.

09/02/2026

📉 Bonds sold off hard today, and lock decisions just got urgent.

Where things stand:

✅ MBS down 23 basis points
✅ 10-year Treasury at 4.793%, highest since 2023
✅ Oil at its highest level since late July on Middle East escalation
✅ German bunds at multi-year highs, Japanese yields at 30-year highs
✅ ISM Manufacturing came in soft at 54.6, the one bright spot

The Fed meets September 15-16. Friday brings Nonfarm Payrolls. That means tomorrow carries real reprice risk.

If you are floating right now, this is not the week to wait and hope. Strategy beats rate. Always. Let's look at your numbers and make the lock decision on purpose, not by accident.

🇺🇸 VA TIP OF THE DAYEveryone talks about $0 down. Nobody talks about what your VA loan does for you YEARS after closing....
09/01/2026

🇺🇸 VA TIP OF THE DAY

Everyone talks about $0 down. Nobody talks about what your VA loan does for you YEARS after closing.

🏠 ASSUMABLE — A qualified buyer may be able to take over your loan AND your rate. Imagine offering 5% in an 8% market.

📉 VA IRRRL — When rates improve, eligible Veterans may refinance with no VA-required appraisal and no traditional income verification.

❤️ FLEXIBILITY — Marriage, divorce, loss of a spouse? IRRRL guidelines may allow borrowers to be added or removed.

The question isn't "which loan is cheapest today?" It's "which loan gives this Veteran the best options tomorrow?"

Don't FHA my VA. Don't Conventional my VA. Understand the benefit before you give it up. You earned it.

Who a Veteran works with matters. The More You Know, The More We Serve!

09/01/2026

I’ve heard a lot of stories from buyers who were surprised by closing costs because they were only planning for the down payment.

That’s exactly why I like to let people know this up front.

Closing costs can include things like:
• appraisal fees
• inspection costs
• taxes
• insurance
• lender and title fees

These costs can add up fast, so it helps to know the full picture early and not get caught off guard.

If you’re thinking about buying, reach out. I’m happy to help you understand what to expect so you can plan with more confidence.

08/31/2026

The Calm Before the Jobs Storm: Lock, Load, and Brace for Friday

Mortgage bonds ended the day at their weakest level since July 31st, with the UMBS 5.5 coupon closing near 98.91 (-17bps) and the 10-year Treasury yield hitting a fresh 2026 high at 4.75%. Geopolitical escalation between the U.S. and Iran pushed oil prices higher, reigniting inflation concerns in the bond market. After Federal Reserve Chair Kevin Warsh's hawkish Jackson Hole remarks, markets now price a 65% chance of a rate hike in September, up from 40% just days ago. With the biggest employment report of the month landing Friday, the risk skews heavily toward higher rates this week.

🏘️ Buying a duplex, triplex, or fourplex with your VA loan? Read this before anyone tells you "no."🔥 FULL entitlement? T...
08/31/2026

🏘️ Buying a duplex, triplex, or fourplex with your VA loan? Read this before anyone tells you "no."

🔥 FULL entitlement? The county loan limit does NOT cap your zero-down purchase. If your COE shows no used entitlement, you can potentially finance 100% — as high as the lender allows. $500K. $800K. $1.2M+. Subject to qualifying, appraisal and lender requirements.

⚠️ The county limit only matters when you have USED entitlement that hasn't been restored — usually because you kept another home with a VA loan on it.

🏠 Here's what almost nobody gets right: on a 2–4 unit primary residence, the math uses the ONE-UNIT county limit — not the higher multi-unit limit.

✅ Live in one unit, and rental income from the others may help you qualify.

Who a Veteran works with matters. The More You Know, The More We Serve! 🇺🇸

08/31/2026

Are you currently waiting for rates to drop too? Let me know why if you are.

08/30/2026

Walked about half the island Saturday.

08/28/2026

Everyone expected Jackson Hole to be a snoozer. Sixty seconds later, the bond market had a whole new story. 👀

Bonds opened Friday calm — MBS even up 6bps. Then Fed Chair Warsh spoke: tough on inflation, upbeat on the economy. Bonds sold off, and rates ticked up to 3-week highs.

Where we landed:
📊 UMBS 5.5 at 99.09 (-30bps)
📈 10yr yield 4.713%
🏠 Top-tier 30yr fixed near 6.81%
✅ MBS still UP ~3bps on the week — the bigger trend is intact

Floating a rate? Days like this are exactly why the numbers matter. Run your Loan Estimate through our free LE Analyzer on our website — it shows the costs that often get left out of the quote you were given. 💡

▶️ Full breakdown in 1 minute.

🇺🇸 VETERANS: A BIG VA LOAN GUIDELINE CHANGE JUST DROPPEDPer the latest VA Pamphlet 26-7, Ch. 4 update, VA changed how no...
08/26/2026

🇺🇸 VETERANS: A BIG VA LOAN GUIDELINE CHANGE JUST DROPPED

Per the latest VA Pamphlet 26-7, Ch. 4 update, VA changed how non-medical collections are counted when you qualify.

OLD: 5% of the collection balance = monthly payment
NEW: 5% of the balance ÷ 12 months

📊 Example — $10,000 in collections:
OLD → $500/month
NEW → about $42/month
That's $458 LESS per month counted against your DTI and residual income. 🤯

Medical collections? Still no monthly payment required.

⚠️ But here's the part nobody is talking about: a lower payment doesn't automatically make the credit history acceptable. Major collections inside the last 12 months can still be a real challenge for VA manual underwriting. The math may work — the credit history still has to make sense.

✅ If you were told NO because of collections — especially if they're now more than 12 months old — it may be time to have your VA loan reviewed again by a lender who actually understands manual underwriting.

🤝 And when we introduce a Veteran to a Realtor, we donate at least HALF of any referral fee we receive to a non-profit.

Who a Veteran works with matters.
The More You Know, The More Veterans We Serve! 🇺🇸

Address

5753 E Santa Ana Canyon Road, Ste G-321
Anaheim, CA
92807

Opening Hours

9am - 10am

Telephone

(800) 306-1990

Website

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