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Thrilled to announce we’ve just funded a VA loan for a $1.7M 4-unit property in Ventura, CA! Our loan officer, Chris James, secured $1.518M with a VA loan to purchase his client's dream 4-plex! Proof of the power of VA financing for multi-family investments. At Pacific Oaks Mortgage, we specialize in VA loans, offering tailored solutions with 60+ 5-star Google reviews and 20% faster closings. Ready to fund your next property? Contact us for expert VA loan support! hashtag#VALoans hashtag#WestlakeVillage hashtag#MortgageFunding hashtag#RealEstateInvestment hashtag#VeteranHomeLoans hashtag#CaliforniaRealEstate hashtag#PacificOaksMortgage hashtag#HomeFinancing hashtag#MultiFamilyProperties hashtag#LoanExperts

As of March 17, 2025, the mortgage landscape is shifting with the Federal Reserve’s recent rate cuts, offering a golden window for homebuyers and refinancers. At Pacific Oaks Mortgage, we’ve analyzed the latest data and uncovered opportunities you can’t afford to miss. Here’s how to seize the moment: 1. Lower Rates, Bigger Savings The Fed’s 0.25% rate cut in February 2025 (projected based on early 2025 trends) has dropped average 30-year fixed mortgage rates to around 6.2%—down from 6.5% in late 2024. For a $400,000 loan, that’s a monthly savings of $100, totaling $36,000 over 30 years. Act fast—rates may rise as inflation stabilizes. 2. Refinance Smartly Homeowners with rates above 6.5% can refinance now. Our clients who refinanced in the last month saved an average of $150/month. Use our…

As we leave behind the challenges and opportunities of 2024, real estate investors are setting their sights on new opportunities for growth and expansion in 2025. Whether you're flipping properties, developing new construction, or building a long-term rental portfolio, one thing is certain—adaptability, speed, and diversification are critical for success. In this guide, we’ll break down what 2024 taught us and how investors can capitalize on fix-and-flip projects, new construction, and rental property investments in the coming year. Top Lessons from 2024 That Will Shape 2025 Adaptability is Key to Success The real estate market experienced rapid shifts in 2024, from fluctuating interest rates to changing buyer preferences. Investors who adjusted their strategies—targeting emerging markets, pivoting to rental properties, and identifying high-growth suburban areas—stayed ahead of the curve. In 2025,…

Rates marched higher to the highest levels in March today, but most lenders are only microscopically worse off than Friday afternoon. In the slightly bigger picture rates have moved up roughly a quarter of a percent in just over a week and that's a relatively quick move. The last time rates rose a quarter of a point in short order was at the beginning of February. The entire jump happened in a single day following the release of much stronger jobs data. It was also followed by additional momentum thanks to inflation data in the following week. The current move is also data driven with two inflation reports coming in hotter than expected last week. The average lender is now very close to their highest levels in several months, which…

Another satisfied customer and glowing review @ Pacific Oaks with the help and guidance from Louann Davis our certified Reverse Mortgage Specialist! "Our mother had a reverse mortgage for many, many years. It was a lifesaver for her since our father had passed away 20 years earlier. It was only because of this reverse mortgage that our mom was able to live happily in her own home for 50 years until she passed away at the age of 89. When our mother passed away, we wanted her house to go to my sister, who had lived with and taken such good care of her for seven years. The trick was figuring out how to do this. The problem was that we couldn’t afford to purchase the house and had no…

Building permits rise year-over-year, signaling growth, while a significant decline in housing starts and completions points to ongoing challenges and market volatility. The pace of housing construction showed mixed signals in January, with building permits showing growth year-over-year, while housing starts experienced a significant decline from December, according to a report from the U.S. Department of Housing and Urban Development and the U.S. Census Bureau. Building permits, a leading indicator of future construction activity, were issued at a seasonally adjusted annual rate of 1,470,000 units in January, marking a slight decrease of 1.5% from December's revised rate of 1,493,000. However, this figure represents an 8.6% increase compared to January 2023, signaling continued interest in new housing development. Specifically, single-family home authorizations rose by 1.6% to a rate of 1,015,000 from…

The Fed could slash rates more than expected in 2024, Wells Fargo strategist Erik Nelson said. That's because the job market is likely weaker than it looks on the surface. Weakening job growth could be the negative catalyst that pushes the Fed to ease monetary policy. Steep rate cuts from the Federal Reserve could be coming later this year thanks to weakening in the job market, which likely isn't as robust as some of the latest data has made it out to be, according to Wells Fargo strategist Erik Nelson. Speaking with Bloomberg TV on Monday, Nelson estimated that the Fed could cut interest rates 100-125 basis points over the next nine months, reflecting a quicker pace of easing than what investors or central bankers have suggested this year. Markets…

A top question on the minds of investors and consumers alike is when might the Federal Reserve make its first interest rate cut after two years of rapid hikes, which have sent mortgage and credit card rates soaring. But after Tuesday's hotter-than-forecast inflation report, economists have a partial answer: Expect to wait longer. Even before Tuesday's inflation data, the Federal Reserve had signaled that it would take a cautious approach. Fed chair Jerome Powell told CBS News' "60 Minutes" earlier this month that the central bank wants to have more confidence that inflation is receding "before we take that very important step of beginning to cut interest rates." The Federal Reserve began hiking rates in March 2022 to battle red-hot inflation, relying on an effective tool to depress consumer spending…

How to choose the right refinance type and term The rates advertised online often require specific conditions for eligibility. Your personal interest rate will be influenced by market conditions as well as your specific credit history, financial profile and application. Having a high credit score, a low credit utilization ratio and a history of consistent and on-time payments will generally help you get the best interest rates. 30-year fixed-rate refinance For 30-year fixed refinances, the average rate is currently at 7.28%, an increase of 7 basis points over this time last week. (A basis point is equivalent to 0.01%.) A 30-year fixed refinance will typically have lower monthly payments than a 15-year or 10-year refinance, but it will take you longer to pay off and typically cost you more in…

Higher-than-expected inflation in Jan. likely pushes back interest rate cuts by the Federal Reserve by a little bit. Before last month’s inflation reading, we looked for the Fed to make a small cut at its May 1 meeting. Now, its June meeting looks like a better bet. While the overall trend in inflation is still down, price gains aren’t moderating as fast as the Fed would like. It will want to see more progress first. The bigger picture remains the same: Only a modest drop in rates this year, despite persistent hopes on Wall Street for more and faster cuts. Too many investors have declared inflation beaten too soon…one cause of the recent run-up in stocks. - The Klipinger Letter Reported from Washington, D.C. • kiplinger.com • Vol. 101, No.…